Lease Rent Discounting

Easy application process

Apply for a Lease Rent Discounting easily online.

If you own a commercial property with a steady tenant, Lease Rent Discounting helps you unlock the value of your rental income , without selling the property. It’s a smart way to fund growth using predictable cash flow.

Types of Lease Rent Discounting

Choose the right LRD solution based on your leased commercial property type.

🏒

Office Space LRD

For office spaces leased to corporates, IT companies, startups, and MNCs.

πŸ›οΈ

Retail Property LRD

Ideal for shops, showrooms, and retail outlets leased to established brands.

🚚

Warehouse & Logistics LRD

For warehouses leased to logistics, e-commerce, and supply chain companies.

🏭

Industrial Unit LRD

For factories, production units, and industrial premises with long-term tenants.

πŸ’Ό

IT Park & Commercial Complex LRD

For large commercial buildings, business parks, and multi-tenant IT complexes.

Eligibility Criteria

Ensure you meet the basic requirements before applying.

πŸ‘₯

Applicant Type

Individuals, companies, LLPs, and partnerships owning commercial property.

πŸ“„

Active Lease Agreement

Registered lease with clearly defined tenure and rental terms.

🏒

Tenant Profile

Financially strong and reputed tenant preferred by lenders.

⏳

Remaining Lease Period

Generally 3 years or more remaining at the time of application.

🏠

Property Compliance

Clear title, approved plans, and valid commercial usage compliance.

Documents Required

Submit the following documents for quick processing.

πŸͺͺ

Identity & Entity Proof

PAN, Aadhaar, incorporation or registration certificates.

πŸ“‘

Lease Documents

Registered lease agreement and rent receipts.

πŸ‘€

Tenant Details

Tenant KYC, company profile, and financial stability proof.

🧾

Property Documents

Title deed, approvals, and occupancy certificate.

🏦

Bank Statements

Bank statements showing consistent rental credits.

How Keystones Helps You?

We don’t just forward your application. Keystones evaluates your business profile, matches you with the right lenders, negotiates better terms, verifies property compliance, and manages the entire process , from documentation to disbursement , so you avoid delays, rejections, and surprises.

Lease Rent Discounting (LRD) Calculator

Calculate eligible loan and EMI based on leased rental income and tenure.

Monthly EMI

β‚Ή β€”

Total Interest Payable

β‚Ή β€”

Total Amount Payable

β‚Ή β€”

* EMI is indicative for commercial & industrial properties. Final terms depend on lender assessment.

Consult a Commercial LAP Expert

Frequently Asked Questions

How much loan can I get for a commercial property?
Loan amount depends on your business income, credit profile, property value, and lender policies. Typically, funding ranges between 60–75% of property value.
Are interest rates higher than home loans?
Yes, commercial property loans usually carry slightly higher rates than residential loans due to higher risk and commercial usage.
Can rental income be considered for eligibility?
Yes. Existing or expected rental income can improve eligibility and repayment capacity.
Is GST mandatory for commercial property loans?
In most cases, yes. GST registration and compliance are required.
Can startups apply for commercial property loans?
Generally, lenders prefer businesses with at least 2–3 years of operational history. Startups may face stricter eligibility.
Can I prepay or foreclose the loan early?
Yes, most lenders allow prepayment, though foreclosure charges may apply depending on the lender.
Cart (0 items)