Our financing
Commercial property loan
Finance commercial walls or professional premises.
The commercial property loan finances the purchase of business premises. The asset is the collateral, which opens financing to varied structures.
- Amounts
- from €50,000 to €2,000,000
- Terms
- from 84 to 240 months
Indicative rates by term
| Term | Fixed rate | Variable rate |
|---|---|---|
| 84 months | 4.20% | 3.90% |
| 144 months | 4.80% | 4.50% |
| 240 months | 5.50% | 5.20% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€2,294.98Estimated monthly payment: €2,294.98
- Indicative APR
- 4.59%
- Total cost of credit
- €113,096.33
- Financed amount
- €300,000.00
- Capital€300,000.00
- Interest€113,096.33
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €300,000.00
- Term
- 180 months
- Fixed borrowing rate
- 4.50%
- Fixed APR
- 4.59%
- Monthly payment
- €2,294.98
- Total cost of credit
- €113,096.33
- Total amount payable
- €413,096.33
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- A business buying its walls or operating premises
- A professional asset serving as collateral
- Accounts evidencing repayment capacity
Not suitable if…
- Premises with no real professional use
- A structure whose debt is already critical
Documents to provide
- Company registration extract
- Purchase agreement for the premises
- Last two sets of accounts
- Business account statements
Worked example
Buying the walls
€300,000 over 180 months to acquire premises, secured by the asset itself.
Frequently asked questions
Property company or operating company?
Both structures are studied; an advisor guides you by your situation.
What term?
Up to 240 months, depending on the asset and the structure.
Fixed or variable rate?
Both exist; the table above gives indicative pointers.