HDFC Bank offers significant solution for commercial properties leased to various reputed corporates / banks / insurance companies / retail chains. The product offering involves discounting the future receivables every month (or depending on any other frequency) and providing an upfront loan to the landlord, thus extending good liquidity in the hands of the landlord. The loan can be used for any purposes except those restricted by the RBI.
We provide funding...
a. To a borrower who presently owns commercial premises / property leased out to reputed corporate(s) by obtaining liquidity in their hands.
b. To a borrower who is planning to buy a pre-leased property and looking to part finance the purchase of such property.
c. To a borrower who is considering switching to another bank an existing account due to competitive interest rate offering and
d. For a combination of (b) and (c) above.
HDFC Bank also provides solutions to various corporates/ banks / insurance companies / retail chains who take premises on long term lease and helps them in reducing interest free security deposit amount. This is achieved by imparting good liquidity to their landlords via a loan at the time of origination of the lease tenor. Thus, the lessee benefits from the savings which would be otherwise blocked as security deposit for the tenure of the lease.
Information evaluated in the product offering include :
Lessee details
Lessor details
Property profile including criticality of the premises for the lessee's operations
Deal structure and
Cash flow pattern envisaged in the agreement(s).
The loan eligibility of the prospective borrower is calculated based on the evaluation of the above details.
For more details, write in to us at sme@hdfcbank.com and we shall get in touch with you for a satisfactory solution.
