Loan Partner Banks for Mohali City Centre Properties
Empanelled banks and NBFCs that finance commercial and residential purchases at Mohali City Centre, with the typical loan-to-value and approval process buyers should expect.
Approved banks and NBFCs
- SBI
- HDFC Bank
- ICICI Bank
- Axis Bank
- Punjab National Bank
- Kotak Mahindra Bank
- Bajaj Finserv
- LIC Housing Finance
Loan-to-value ratios
Residential purchases: up to 80% LTV. Commercial purchases: 55%–65% LTV depending on unit type, tenant status and borrower profile. Pre-leased commercial assets often qualify for a higher LTV bracket than under-construction stock.
Documentation for loan approval
- Latest 2 years ITRs / audited financials
- 6 months' bank statement
- Business ownership / employment proof
- Property agreement copy
- RERA & sanctioned plan copy
- Existing lease deed (for pre-leased buys)
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.