A New Commercial Property Purchase Loan is designed for entrepreneurs, business owners, and investors looking to acquire a newly built commercial property directly from a developer or builder. This loan enables you to purchase a property in a prime business location, ensuring better growth opportunities and long-term value.
Loan Amount Starting from ₹1 Lakh: Get financial assistance based on your business requirements.
Eligible Properties Include: Development Authority-Approved Commercial Spaces RERA-Registered Commercial Projects Municipal Corporation/Nagar Palika Approved Units Freehold Commercial Properties Gram Panchayat Approved Business Premises
Applicable for Various Commercial Properties: Purchase an office, shop, showroom, warehouse, or industrial unit directly from builders or developers.
Flexible Loan Tenure: Up to 30 years for salaried professionals (Government, PSU, and Private sector). Up to 25 years for other salaried individuals. Up to 20 years for self-employed borrowers.
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Frequently Asked Questions
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You can initiate a Home Loan application at any point after deciding to purchase or construct a property, even before finalizing the property or commencing construction.
Certainly, resident Indians qualify for tax advantages on both the principal and interest components of a home loan as per the Income Tax Act. It is recommended to seek advice from your tax advisor for specific details.
The security for the loan usually includes a legal interest in the property financed by us and/or any extra collateral or temporary security deemed necessary by us.
The repayment of the principal starts from the month subsequent to the month in which you receive the complete disbursement of your loan. During the interim disbursement period, you are required to pay interest on the disbursed portion of the loan.
Encumbrance refers to claims, charges, or liabilities on a property, typically arising from factors like unpaid loans, outstanding bills, or other financial obligations.
You need to provide an 'own contribution' ranging from 10-25% of the total property cost, depending on the loan amount. A housing loan can cover 75 to 90% of the property cost.
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Unico Housing Finance Private Limited, an RBI-registered housing finance company, is dedicated to offering affordable housing solutions for lower and middle-income customers. Unico’s services provide diverse benefits, catering to individuals in the affordable housing segment.
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