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Commercial Loan Calculator
EMI and cost for a commercial property or business expansion loan.
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Frequently asked questions
How is a commercial loan different from a home loan?
Rates are usually 1–2% higher, LTV is lower (50–70% vs 80–90%), tenure is capped at 15–20 years, and documentation is far more extensive (GST, ITR, P&L, balance sheet).
What is Lease Rental Discounting (LRD)?
A commercial loan structured against future rental income from a tenanted property. The bank finances a portion of the present value of locked-in rentals.
Is GST applicable on processing fees?
Yes. 18% GST applies to processing fees, foreclosure charges, and most other lender fees.
Can interest be claimed as business expense?
Yes. Interest on a loan used for business purposes is fully deductible under Section 36 / 37 of the Income Tax Act.