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Loan offerings > Commercial Loans For Professionals

Hassle Free Non Residential Property/ Office Premises Loan to Professionals:

OCHFL is proud to empower all strata’s of Indians and to make it possible for them to realize their dream of a home. We are now introducing a unique loan product catering to present day professionals - with the help of which they can buy any non-residential property and operate their line of business.

Buy or construct a property if one is :

  • Medical practitioner
  • Chartered accountant
  • Architect
  • Solicitor, etc.

Amount of loan

As a practicing professional, One can avail a loan from Rs. 2, 00,000 to 50,00,000-/ but not exceeding 80% of the total cost of the property. The actual loan amount is determined taking into account factors like:

  • Repayment capacity
  • Age
  • Educational qualifications
  • Stability and continuity of income
  • Number of dependents
  • Co-applicant's income
  • Assets
  • Liabilities
  • Saving Habits etc.

Loan tenure & EMI

The tenure of Home Loan ranges from 1 to 10 years. The term however does not extend 75 years for practicing professionals.

The size of EMI depends on:

  • Quantum of loan
  • Interest rate applicable
  • Loan tenure

Special payment schemes:

One can enjoy the exclusive 'Regressive Payment Scheme' if one is a home loan seeker due for retirement within the term of the loan and have applied jointly with an eligible One Younger co-applicant.
One can prepay the loan, ahead of the contracted schedule in part or full, subject to payment of nominal fees / charges as stipulated by OCHFL from time to time.

Our existing Fixed Prime Lending Rate (RPLR) – 15 % Applicable ROI: FPLR +2% i.e 17 %

Check your eligibility criteria and EMI using the links below.

EMI Calculator  |   Loan Eligibility  |   FAQ  |   Check List  |   Application Form
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