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.
You may also like
DeliveredMohali City Centre 1
Delivered commercial landmark with 100% occupancy on 200 ft Airport Road
ReadyMohali City Centre 2
Ready to move commercial shops & SCOs starting ₹40 Lakhs
OngoingMohali City Centre 3
Tricity's largest 10-acre commercial market at Airport Roundabout
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.
Disclaimer: Prices, sizes, rental yields, appreciation figures and timelines on this page are indicative market estimates compiled from publicly available corridor data and STJ Group sales records, and are subject to change without notice. They are not an offer, a contract, or a promise of assured or guaranteed returns. Please verify all commercial, legal and RERA details with our team and your own advisors before taking any investment decision.