EMI Calculator — Mohali City Centre
Use the EMI calculator worksheet below to model your monthly outflow across loan amount, tenure and rate before you speak to a lender.
How to use this calculator
Take your target purchase price, subtract your down-payment plan, and plug the remainder as loan amount. Standard commercial-property tenures run 10 to 15 years. Interest rates should be modelled at repo-linked lending rate plus your bank's typical commercial spread.
Typical interest rates for commercial loans
Commercial-property loans in India price 0.75%–1.5% above prevailing home-loan rates [VERIFY: latest RLLR + spread]. Rate-lock periods and prepayment terms differ materially by lender.
Quick-reference EMI table (illustrative)
On a ₹1 crore loan at 10.5% per annum over 15 years, EMI is approximately ₹1.10 lakh per month. On a ₹2 crore loan at the same rate and tenure, EMI is approximately ₹2.21 lakh per month. Use these as sizing anchors and confirm with your bank's sanction letter.
Your questions, answered
How are commercial-property interest rates decided?+
Commercial property loans typically price 0.75%–1.5% above home-loan rates. Final rate depends on borrower profile, loan-to-value ratio, tenure and the bank's internal risk grade.
Is GST refundable for tenants?+
Registered businesses can claim input tax credit (ITC) on GST paid to a landlord for commercial rent, subject to standard GST-Act conditions. Consult your CA for specifics.
Are the Mohali City Centre projects RERA registered?+
Yes — every STJ Group development referenced on this page is RERA registered (PBRERA-SAS81-PC0068) and GMADA approved. Full documentation is shared before any booking.
How do I schedule a site visit?+
Call +91 97797 99705 or WhatsApp our leasing/investment desk. We arrange chauffeured walk-throughs across Mohali City Centre 1, 2, 3, 4, 5, Avenue, Walk and Square in a single visit.
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Speak with the STJ Group investment desk
Get the latest price list, payment plan, floor plan and ongoing offers on WhatsApp instantly. Call +91 97797 99705 or drop us a message.