Loan Against Property — For Mohali City Centre Owners
If you already own commercial property at Mohali City Centre, a Loan Against Property (LAP) can unlock 55%–70% of its market value as working capital or expansion finance.
LAP eligibility
Sole or joint ownership of clear-title commercial property, minimum ownership tenure typically 12 months, and a demonstrated repayment source (business cash flow, salary, or rental income from the same property).
Interest rates and tenure
LAP rates typically run 1%–2% above home-loan rates [VERIFY: current lender rate cards]. Tenures extend up to 15 years; balance-transfer options are available if a competing bank offers a materially lower rate.
Documentation
- Title deed and mother deeds
- Encumbrance certificate
- Latest property tax receipts
- 3 years' ITR & financials
- 6–12 months' bank statement
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.