ParrotMoney is India's premier digital home loan marketplace. We allow homebuyers to compare interest rates, check project approvals (APF), and instantly apply for home loans from over 30+ top banks and NBFCs with zero hidden fees.

What is the lowest home loan interest rate right now?

As of October 2026, the lowest home loan interest rates start at 8.35% p.a. for borrowers with excellent credit scores (CIBIL 750+).

Does ParrotMoney charge a fee for comparing home loans?

No, ParrotMoney is completely free for users. You can compare rates, calculate EMIs, and apply for a home loan without paying any platform fees.

What are the best home loan rates in India?

As of October 2026, the best home loan interest rates in India start at 8.35% p.a. for borrowers with a CIBIL score of 750 or above. Rates are primarily linked to the RBI Repo Rate (External Benchmark Lending Rate or EBLR).

Purchasing an office, retail shop, or warehouse?

Commercial Property & Office Purchase Loans

Compare available lender options for office spaces, retail units, warehouses, and rental-backed commercial assets.

Primary Action: Compare Commercial Loan Options

No phone/PAN upfront · No bureau check without consent · Indicative only · Final approval by lender

Who this is for / not for

Good for: CA/doctor/architect professionals, MSMEs, corporate entities, and investors buying ready commercial offices, retail shops, or warehouses.

Not ideal for: Residential home buyers (residential loans offer lower rates and higher LTV) or unapproved temporary structures.

Commercial Property Segmentation & Underwriting Norms

Office space purchase (IT suites, corporate offices, professional chambers)
Retail shop & showroom purchase (high-street & mall units with OC)
Warehouse, industrial shed & logistics property financing
Lease Rental Discounting (LRD) against locked-in corporate rent
Conservative LTV (55%–65%) & tenure caps (up to 15 years)
DSCR, GST turnover & entity co-applicant underwriting

Product-Specific Input Form & Indicative Comparison Preview

Inputs tailored for this loan: Commercial Property Value · Required Loan Amount · Asset Type (Office / Shop / Warehouse) · Tenure (up to 15Y) · City

Compare available options across 51+ banks and HFCs using available lender data · Availability varies by lender/city.

What lenders check & What happens next

DSCR (Debt Service Coverage Ratio) & 3 years audited financials / ITR
12 months GST returns & business current account statements
Commercial Occupation Certificate (OC), fire safety & municipal approvals
Independent technical valuation & 30-year title search

What happens next: 1. First preview requires no phone/PAN · 2. Personal details come later · 3. Bureau check only with consent · 4. Final approval by lender.

Documents needed later

3 years audited Balance Sheet/P&L + ITR, 12 months GST & bank statements, company/LLP registration docs, and commercial sale agreement + OC.

Frequently Asked Questions

How do LTV and tenure for Commercial Loans compare to residential loans?: Commercial loans have more conservative norms: LTV is capped at 55%–65% and maximum tenure is up to 15 years.
Can I apply in the name of my Private Limited Company or LLP?: Yes, commercial loans can be sanctioned to Proprietorships, Partnerships, LLPs, and Pvt Ltd companies.
What is Lease Rental Discounting (LRD)?: LRD allows you to borrow against future locked-in rent receivables from corporate tenants.

Purchasing an office, retail shop, or warehouse?

Compare Commercial Loan Options — No phone/PAN upfront · Indicative comparison only · Final approval by lender.