ALL FINANCE SOLUTION ACROSS INDIA
Home Loans Help
Flexible options for residential and commercial financing
About Galaxy Finserv
Galaxy Finserv is a registered financial service provider based in Kolkata. Galaxy Finserv is a loan assistance service provider and not a direct lender, offering assistance in securing personal, business, and other types of loans through trusted banking and NBFC partners across India.
UDYAM Registration No: UDYAM-WB-10-0150997
Type: Micro Enterprise
Business Activity: Financial Services (Loan Assistance)
Established: 2023
Type: Micro Enterprise
Business Activity: Financial Services (Loan Assistance)
Established: 2023
UDYAM Registration No: UDYAM-WB-10-0150997
Type: Micro Enterprise
Business Activity: Financial Services (Loan Assistance)
Established: 2023
Home Loan (Residential)
A commercial property loan helps you purchase, construct, or refinance offices, shops, showrooms, or other commercial spaces. Whether you’re expanding your business or investing in commercial real estate, we provide structured assistance through banks and NBFCs with competitive lending options.
We can also help you transfer your existing commercial loan to a lower interest rate, depending on eligibility and lender approval.
Home Loan (Commercial Property)
Turn your dream home into reality with our residential home loan solutions. Whether you’re buying a new house, resale property, or constructing your own home, we offer competitive interest rates, higher loan eligibility, and a smooth assistance process through our partner banks and NBFCs.
We also help you transfer your existing loan and potentially reduce your interest burden with better rates, subject to eligibility and lender approval.
Assistance in comparing loan options
Guidance through application process
Support for salaried & self-employed
Help with documentation
Key Features
Flexible options for residential and commercial properties.
Home Loan (Commercial Property)
• Loan Amount: Up to 70%–75% of property value
• Approval Time (TAT): 4–7 working days (subject to lender process)
• Rate of Interest (ROI):
9.5% to 14% per annum (depends on profile & property type)
• Loan Tenure: Up to 15–20 years
• Balance Transfer: Available with top-up facility
• Property Type: Office, shop, showroom, commercial unit
Home Loan (Residential)
• Loan Amount: Up to 80%–90% of property value
• Approval Time (TAT): 3–5 working days (subject to lender processing)
• Rate of Interest (ROI):
8.5% to 12% per annum (subject to applicant profile & lender terms)
• Loan Tenure: Up to 30 years
• Balance Transfer Facility: Available with top-up option
• Prepayment: Flexible options as per lender policy
Benefits
Home Loan (Commercial Property)
• High Loan Value – Fund your commercial investment
• Competitive ROI – Based on eligibility
• Balance Transfer Option – Reduce existing loan burden (subject to approval)
• Flexible Tenure – Manageable EMI options
• Capital Appreciation – Invest in growth locations
• Rental Income Advantage – EMI support through rental yield
Home Loan (Residential)
• Attractive ROI – Lower EMIs and long tenure
• High Loan Eligibility – Based on income and repayment capacity
• Balance Transfer Support – Option to shift your current loan to a lower interest rate (subject to approval)
• Tax Benefits – As per applicable income tax laws
• Flexible Repayment Options – Step-up / EMI customization
• Quick & Transparent Assistance Process
Eligibility Check
Eligibility Criteria
Home Loan (Commercial Property)
• Salaried professionals / self-employed / business owners
• Stable income or profitable business
• Minimum 2–3 years income stability
• Good CIBIL score preferred (650+)
• Property must be commercially approved
Home Loan (Residential)
• Salaried or Self-employed individuals
• Stable income and repayment capacity
• Minimum work experience / business vintage required
• Good CIBIL score preferred (650+)
• Age: Typically 21 to 65 years
Documents Required
Home Loan (Residential)
🏠 Property Documents (West Bengal – Kolkata)
For residential property assistance, the following documents are generally required:
• Sale Agreement / Agreement for Sale
• Title Deed (Mother Deed) – Clear ownership chain
• Previous Chain Documents (20–30 years, if applicable)
• Mutation Certificate (KMC / Municipality records)
• Property Tax Receipts (Latest Paid)
• Approved Building Plan
• Completion Certificate (CC)
• Occupancy Certificate (OC) (if applicable)
• Municipal Records Extract
• NOCs (if required)
• Encumbrance Certificate (EC)
• Allotment Letter (for new projects)
• Builder-Buyer Agreement (if applicable)
👤 KYC & Income Documents
• PAN Card & Aadhaar Card
• Address Proof
• Salary slips (last 3 months) / ITR (2–3 years for self-employed)
• Bank statements (last 6 months)
• Employment / Business proof
Documents Required
Home Loan (Commercial Property)
🏠 Property Documents (West Bengal – Kolkata)
• Sale Agreement / Agreement for Sale
• Title Deed (Mother Deed)
• Chain Documents (20–30 years)
• Mutation Certificate
• Latest Property Tax Receipts
• Approved Building Plan
• Completion Certificate (CC)
• Occupancy Certificate (OC) (mandatory for commercial)
• Trade License / Commercial Approval
• Encumbrance Certificate (EC)
• NOCs (if applicable)
• Allotment Letter
• Builder-Buyer Agreement
👤 KYC & Income Documents
• PAN Card & Aadhaar Card
• Address Proof
• Salary slips / ITR (2–3 years)
• Bank statements (last 6 months)
• Business proof (if applicable
Why Choose Us?
• Access to multiple banks & NBFCs
• Structured funding solutions for businesses
• Assistance in balance transfer to lower interest rates
• Expert help in commercial documentation
• Faster coordination for approvals
• Support for complex and moderate CIBIL cases
Important Disclaimer
We are loan facilitators/consultants, not direct lenders. Loan approval, interest rates, and terms are subject to the respective bank/NBFC policies and applicant eligibility. Interest rates mentioned are indicative and may vary. Balance transfer and lower interest rates are not guaranteed and depend on lender approval and borrower profile.
Contact
Contact us for loan guidance
Chatterjee International Centre , 19th Floor, Room no. 6 ,33A, Jawaharlal Nehru Road,Park Street, Kolkata 700071
+91-75960 57715
Copyright © Galaxy Finserv. All rights reserved.
Address
Phone
support@galaxy-finserv.com