Investing in the real estate industry has always been profitable. It provides the possibility of long-term financial stability and wealth accumulation. However, real estate investments demand a substantial amount of money upfront to submit a deposit. As a real estate investor, I can tell you how much deposit required for investment property in India. The minimum deposit or down payment required is 10% of the property value.
What Factors Influence the Required Down Payment for Investment Properties?
- Type of property
you are interested in for investment. Deposit requirements for commercial properties are different from those for residential homes. For commercial, they may ask you to pay 25% to 30% as a down payment.
The
lenderyou are thinking about using to get a loan. Loan-to-value (LTV) ratios and deposit requirements vary among banks and financial institutions. Some might give a first-time buyer or a salaried person a greater LTV.
The
type of loanyou are planning to take. Compared to standard residential mortgages, buy-to-let mortgages for investment properties typically require larger deposits.
When I invested in a residential property, lenders required a 15% down payment, with a minimum of 5% in savings. I had a large deposit, a solid credit history, and an easily marketable investment property, so I was eligible for a 90% investment loan.
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How much Deposit Required for Investment Property in India?
Rishu52
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5 months
2025-07-11T08:09:49+00:00 2025-07-11T08:09:51+00:00Comment
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