We know how personal and practical your assets feel. You built a space that supports your business and now you want it to work for you. Turning equity into steady cash can ease stress and open new growth paths.
At Property Equity Loan, we guide you through clear, practical steps. We explain value, tenure and rate options so you can choose financing that fits your cash flow. Our team translates bank terms and benchmarks market packages so you decide with confidence.
Whether you need working capital for inventory, payroll, or a renovation, tapping equity lets you access meaningful amounts without selling the asset. For a quick comparison of market packages and eligibility, consider this helpful reference from OCBC on commercial property financing.
Key Takeaways
- Use existing equity to fund business needs without selling your asset.
- We help align repayment and rate choices with your business cycles.
- Expect clear guidance on value, tenure, and probable amounts.
- We coordinate steps to speed up valuation and document prep.
- Contact us — Whatsapp us at to get latest deals and tailored scenarios.
Unlock working capital and growth with your commercial property equity
Turn built-up equity into a predictable funding source so your business can act on opportunity quickly.
Who this service suits: SMEs, professional investors, and owner-occupiers in Singapore seeking practical ways to release value without selling or diluting ownership.
We help you structure a plan for a purchase, straightforward refinancing, or a bundled package that covers up to 100% of renovation costs when sustainable upgrades are included.
- Typical outcomes: up to 80% of the property value in mortgage-style lending, with renovation financing available at 100% under Eco-style bundles.
- Packages: lenders offer fixed promotions and SORA-pegged options plus calculators to estimate monthly amounts.
- What we do: clarify documentation and valuation details, show side-by-side cost comparisons, and outline how tenant mix or lease length affects investment appetite.
Next step: Whatsapp us at to get latest deals; we’ll send secure links so you can upload basic details and receive tailored indicative structures fast.
Commercial property loan eligibility, loan amounts, and tenure in Singapore
Understanding how lenders assess your case helps you plan a realistic borrowing strategy.
In Singapore, banks commonly lend up to 80% of an asset’s appraised value. Some lenders may offer higher leverage to operating companies — in select cases this can reach about 90% of the purchase price.
Typical tenures run from 1 to 25 years, though market offers can extend to 30 years. A longer period lowers monthly instalments but raises total interest paid.
- What lenders check: valuation or contract price (whichever is lower), existing encumbrances, and tenancy terms.
- Company profile: last two years’ financials, recent bank statements, deposits history and serviceability tests.
- Other factors: asset class, location, condition, and required insurance to protect collateral and income continuity.
Affordability calculators estimate monthly payments based on the amount, rate and years. Share your target period and tolerance for prepayment — Whatsapp us at to get latest deals and a tailored eligibility walkthrough.
Interest rates, packages, and repayment options
Your choice of fixed or SORA-linked structure determines short-term certainty and long-term flexibility.
Fixed-rate packages lock your installments for an initial period, commonly the first two years. This gives budgeting certainty for renovations or tenant onboarding.
SORA-pegged options use the 3-month compounded SORA published by MAS. SORA reflects interbank trades from 8:00am to 6:15pm and is published by 9:00am the next business day, so movements are transparent.
Managing tenure, lock-in and refinancing windows
Tenures usually run from 1 to 25 years. Lock-in clauses mean early refinancing within the lock-in can incur break costs.
We help you weigh a shorter tenure against total interest, and outline any charges so you can plan refinancing windows with confidence.
Estimating monthly installments
Use affordability calculators on our website to model different amounts, months and years. Small changes in the rate or tenure show big effects on cash flow.
- Blend fixed and floating tranches to balance certainty and upside from lower rates.
- Ask about a flexible repayment timetable after lock-in to preserve optional prepayment.
When you’re ready, Whatsapp us at to get latest deals; we’ll send links so you can run scenarios and shortlist the best property loan package for your business.
Application process, required documents, fees, and current promotions
Start your application online and expect a clear timeline from submission to signing within a few weeks.
From submission to sign-off: Begin with a simple online application. You’ll get an acknowledgement the same day and a list of next steps. Guarantors receive e-endorsement requests early to avoid delays. A relationship manager from the bank will call with a conditional offer and outline fees, conditions, and timing.
Documents checklist
Prepare these documents to speed assessment:
- Exact address, floor size, tenure, and recent valuation or price evidence.
- Option to purchase if available, plus latest two years’ financial statements.
- Latest three months’ bank statements (may be retrieved directly if your main bank handles the case).
Fees, subsidies and campaign notices
During promotions like SG60, lenders may offer legal and valuation subsidies and reduced processing fees (for example, 60% off for qualified online submissions before 30 September 2025). The bank can vary terms conditions or end discounts without prior notice and its decision is final. Early refinancing within lock-in usually attracts a break fee; ask your relationship manager for a precise calculation.
Fast-track tips
To speed up assessment, submit exact property address, floor area and a recent valuation. Use our website links to upload documents securely, or visit a branch for sign-off. For current promotions and a guided start, Whatsapp us at to get latest deals; we’ll coordinate the application and keep you informed at every stage until final sign-off.
Conclusion
To finish, plan a financing path that protects cash flow while unlocking usable equity.
We build a clear structure that balances attractive interest choices, fixed or SORA-linked rates, and sensible terms so you can act with confidence over the coming years.
We focus on total cost — not just the headline rate — and flag fees, break costs and lock-in issues early to avoid surprises during application or refinancing.
For a tailored assessment and a concise checklist, contact Property Equity Loan. Whatsapp us at to get latest deals and clear links to calculators and documents.
FAQ
What is a commercial property loan using property equity in Singapore?
This is a financing option that lets you access cash against the value of a business-owned asset in Singapore. You use the equity tied up in the asset as security to unlock working capital, refinance existing debt, or fund purchases and renovations. Lenders evaluate value, business cash flow, and borrower profile before approval.
Who is this service for?
We built this for SMEs, investors, and owner-occupiers who own business real estate in Singapore and need funds for growth, operating capital, or asset improvement. It suits asset-rich owners, middle-aged professionals, and retirees seeking flexible financing without selling their asset.
What can I finance with the funds?
You can finance property purchase, refinance existing credit, or fund renovations — in some cases up to 100% of renovation costs when bundled with a purchase or refinance. Funds also work for working capital, equipment, and business expansion.
How much can I borrow and what determines the amount?
Typical loan-to-value (LTV) goes up to 80% of the assessed value, though certain lenders may offer higher LTVs to operating companies. The approved amount depends on valuation, price, business cash flow, and the borrower’s financial standing.
What loan tenures are available?
Tenures are flexible, commonly from 1 to 25 years, with some market options extending further. Shorter terms mean higher monthly repayments; longer terms lower instalments but may increase total interest paid.
Which property types and borrower profiles are considered?
Lenders assess office, retail, industrial, shophouse, and mixed-use assets. They also review the borrower’s company structure, credit history, cash flow, and relationship with the bank to decide risk and terms.
How do valuation and price affect approval?
The assessed value sets the LTV ceiling, while the purchase price influences required deposit and loan size. A professional valuation and clear evidence of price and floor area speed up underwriting and can improve terms.
What interest rate packages are available?
You’ll typically see fixed-rate packages and SORA-pegged variable rates. Fixed rates lock payments for a set period. SORA-linked loans follow the market benchmark and may offer lower initial rates but fluctuate over time.
How do repayment options and lock-ins work?
Repayment options include principal-and-interest or interest-only periods where permitted. Lock-in periods vary by lender; early exit during a lock-in may trigger break fees. Refinancing windows are usually defined in the facility letter.
Can I estimate monthly installments before applying?
Yes. Use an affordability calculator to estimate monthly instalments based on loan amount, tenure, and rate type. This helps you compare fixed vs. variable packages and plan cash flow.
What is the application process?
The process runs from online application to final offer: submit basic property and business details, provide documents, a relationship manager (RM) may contact you, and after underwriting you sign the facility agreement. Guarantor endorsement may be required for some structures.
What documents will I need?
Typical checklist: proof of property address and floor size, valuation or recent sale price, company financial statements, bank statements, identity documents, and corporate records. Providing clear documentation speeds assessment.
What fees should I expect?
Expect legal fees, valuation fees, processing fees, and possible government charges. Some lenders run promotions offering subsidies on legal or valuation charges or discounts on processing fees for a limited time.
Are there tips to fast-track approval?
Yes — apply with the exact property address, floor size, current valuation or asking price, and recent bank statements. A complete, well-organized application reduces review cycles and speeds up credit assessment.
Can I refinance later if rates change?
Many borrowers refinance to capture better rates or adjust tenure. Check your facility for early exit or break fees and any notice period. Refinancing can lower monthly costs or consolidate debts.
How does insurance and deposits factor into the process?
Lenders often require fire or mortgage insurance on the asset. You may need to maintain deposit accounts or meet minimum balance conditions as part of the facility terms. These protect both you and the lender.
How long does approval take and is there a fast-track option?
Typical approvals take several weeks from submission, depending on valuation and document completeness. Fast-track options exist with complete information, lender promotions, or existing bank relationships to shorten turnaround.
