Ezmyloans || Loans

Commercial Property Loan

If you want to buy a commercial property, you can get a loan for up to 70% of the purchase price at low-interest rates and other special incentives. To apply for a commercial property purchase loan, you must meet a few eligibility conditions.

Essentials

Eligibility Criteria

Applicant must be a salaried individual, self-employed professional, or business entity.

Applicant must be a salaried individual, self-employed professional, or business entity.
Minimum age should typically be 21 years at loan application.
Maximum age should not exceed 65 years at loan maturity.
Applicant must have a stable income or business track record.
Minimum annual income criteria as per lender (varies by bank).
Business or profession should be operational for at least 2–3 years.
Good credit score (usually 700 or above is preferred).
Property must be legally clear and approved for commercial use.
Loan amount depends on income, property value, and repayment capacity.
Applicant must submit complete KYC and financial documents.

Documents Required

Individual

Aadhar Card + Passport Pan Card Copy
Address Proof If Rented Also Required Permanent Address Proof
Last 3 Years Form -16, ITR With Computation Of Income If File
Last 1 Year Bank Statement - Salary Account
Loan Schedule & Sanction Letter (If Running)
Complete Property Papers With Chain & Map +Ats
Processing Fee Cheque In Favour Of the Bank
All Director’s Photograph
Clear Pan Card - Company And All Directors
Address Proof – Company And Directors
List Of Director& Share Holder With Ca Certified As On Date
GST, Sale, Vat And Ssi Registration Certificate
1 Year GST Returns
All Directors Individuals ITR & Computation Last 3 Years
Last 3 Years Complete Financial With Tax Audit Report And Annexure
Company All Bank Account Statement 1 Year Updated
All Directors Saving A/C Statement 6 Month
Property Papers Complete Chain With Sanction Map
Last 3 Months’ Salary Slip + Appointment Letter

Proprietary firm

Pan Card Clear Copy Proprietor
Address Proof (Pass Port, Voter Id Card) Proprietor
Office Address Proof Latest (Electricity Bill, Telephone Bill)
Firm Registration Certificates & GST Registration Copy
Last 1 Year GST Return Copy
Firm 3 Years ITR Computation, Profit Loss A/C, Balance-Sheet, Tax Audit Report, All Scheduled & Annexure
Provisional Financial Ay 2023-24
Bank Accounts (Current Account, Cc Account, Od Account Last 1 Year Updated)
6 Month Saving Account Statement Updated (Proprietor)
If Running Any Loan Please Provide a Sanction Letter And Repayment Scheduled
Agreement To Sell Copy
Aadhar Card + Passport Pan Card Copy
Property Papers Complete Chain With Sanction Map

Partnership Firm LLP

Pan Card - Company, All Partners
Address Proof - All Partners (Pass Port, Voter Pan Card, Adhaar)
Firm Address Proof - Latest Any Utility Bill
Partnership Deed Copy
GST Certificate
GST Return Last 1 Year
3 Year Company ITR COI P/L A/C Balance Sheet + Audit Report 3cb 3cd, All Annexures, Scheduled With C.A. Certified
Provisional Financial Ay 2023-24
3 Years all Partner Individuals ITR + Computation
Firm All A/C Bank Statement 1 Year Updated
All Partner Saving A/C Statement 6 Month
If Running Any Loan – Latest Sanction Letter + Track Records Or Repayment Scheduled
Agreement To Sell Copy
Property Papers Complete Chain With Map

PVT LTD

Photograph
Clear Pan Card - Company And All Directors
Address Proof – Company And Directors
List Of Director & Share Holder With CA Certified As On Date
Memorandum Order In Hand And Complete Copy (If Applicable)
GST, Sale, Vat, And SSI Registration Certificate
1 Year GST Returns
All Directors Individuals ITR & Computation Last 3 Years
Last 3 Years Complete Financial With Tax Audit Report And Annexure
Provisional Financial FY last year Or Month Wise Sale Figure Last 1 Year
Company All Bank Account Statement 1 Year Updated
All Directors Saving A/C Statement 6 Month
If Running Any Loan – The latest Sanction Letter And Repayment Scheduled
Property Papers Complete Chain With Sanction Map