We know how personal this decision feels. You may be weighing the future of your asset and wondering how much breathing room you can secure without losing control.
Our tool helps you estimate borrowing capacity, monthly payment, and how different terms affect your cash flow. Over 50 local lenders in Singapore use similar checks — operating history, revenue, and cash flow — when they assess applications.
Enter your asset value and basic details to preview results and see how fixed versus SORA-pegged rates can change payments. For reference, DBS and other banks offer packages up to 25 years, and SORA is the market benchmark published by MAS.
When you’re ready, compare commercial samples and Whatsapp us at to get latest deals tailored to your needs. We guide you step-by-step so you keep control and protect what matters.
Key Takeaways
- Get quick estimates for borrowing power and monthly payment before you apply.
- Understanding LTV and valuation helps set realistic financing expectations.
- Fixed and SORA-pegged options affect cash flow differently; compare both.
- Singapore lenders review operating history, revenue, and cash flow closely.
- Contact Property Equity Loan via Whatsapp us at for tailored offers and guidance.
Secure, transparent business property financing for Singapore SMEs — try our calculator and Whatsapp us at to get the latest deals
Get a clear view of your financing options and how different rate types shape monthly payments.
We combine a simple tool with hands-on support from Property Equity Loan. You can compare fixed and SORA-pegged rate structures and see how each affects expected payments and total costs.
DBS offers fixed and 3‑month compounded SORA packages with tenures from 1 to 25 years. Online applications enjoy a 60% processing fee discount until 30 September 2025. Banks may also provide legal and valuation subsidies.
Underwriting for non-residential borrowing is bank-specific. We flag the key details lenders check—asset specifics, company financials, and guarantor information—so you can prepare strong submissions.
| Feature | Fixed rate | 3‑month SORA |
|---|---|---|
| Rate stability | Locked for tenor | Varies with SORA movements |
| Typical fees | Processing, valuation | Processing, valuation |
| When to pick | Prefer certainty | Prefer potential lower interest |
| Common subsidies | Legal/valuation support | Legal/valuation support |
- We explain indicative fees and likely costs so you see net cash outlay.
- We compare lender appetites while you stay focused on running and growing your company.
- Whatsapp us at to get tailored offers and the latest rates.
Business property loan calculator: estimate loan amount, rates, and monthly payments in minutes
We make it simple to test scenarios so you can take confident next steps. See in minutes how adjusting the amount, period years, or rate shifts your expected monthly payment.
How the tool works for commercial and industrial assets
The engine models fixed and variable setups—such as a fixed package versus 3‑month compounded SORA plus a spread.
It factors tenure limits for leasehold assets and common bank rules on remaining lease years.
Key inputs to enter
- Property value: current market value or recent valuation.
- Loan amount / amount: the sum you plan to borrow or test.
- Interest rate: an assumed rate or bank spread for variable scenarios.
- Period / period years: chosen tenure to show monthly payment and total cost.
- Indicative fees to reveal effective cost over time.
What you’ll see
Estimated monthly payment, total interest paid, and a timeline showing early-year interest versus principal.
Use the output to compare: shorter terms with higher payments or longer terms with more total interest.
Pro tips to improve accuracy
- Include leasehold years left—banks often need 5–10 years remaining after repayment.
- Stress-test with a rate buffer (+0.5% to +1.0%) if rates rise.
- Align payments with cash flow; if tight, try a longer period or different rate package.
When ready, Whatsapp us at to turn estimates into lender-ready proposals and tailored offers from Property Equity Loan.
Commercial property interest rates and packages in Singapore
Interest packages today come in clear formats: SORA-pegged variable plans and short fixed windows. We explain how each option affects your cash flow and overall cost so you can decide with confidence.
SORA‑pegged variable rates explained
Variable packages commonly quote a 3‑month compounded SORA plus a bank spread. SORA is published by MAS and is computed by compounding daily SORA over the prior three months.
This setup makes the rate transparent and trackable. Expect resets every three months, which can change payments quarter to quarter.
Fixed packages versus floating
Fixed offers often lock your interest rate for 2–3 years. Lenders such as DBS have promoted fixed windows near 3.2% p.a., sometimes lower than floating options.
That stability helps budgeting, but watch for lock-in penalties and early repayment charges if you exit within the locked years.
Total cost considerations
- Compare headline rates and the full cost: processing fees, legal and valuation subsidies, and early repayment charges.
- Promotions—like up to 60% off processing fees for eligible online submissions until 30 September 2025—can cut upfront costs.
- Match your choice to cash flow: fixed can protect short-term interest, while SORA exposure may benefit if rates fall.
Need a tailored comparison? Whatsapp us at to get the latest deals and a side‑by‑side view aligned to your asset and timeline.
Eligibility, borrowing limits, and repayment periods for business property loans
Before you apply, know how much you can borrow and how tenure limits affect monthly repayments.
Typical LTV ranges depend on use. For commercial property used by your own company, lenders commonly offer 80%–90% of the value. For investment cases, expect 60%–70%.
Tenure varies by lender. Many banks allow 20–30 years, though some (DBS) list 1–25 years. Leasehold assets usually need 5–10 years remaining after the repayment period, which can shorten available years and raise monthly amounts.
Application flow and documents
Prepare the property address, floor size, tenure, valuation or price, option to purchase, two years of financial statements, and recent bank statements. Guarantor endorsements and conditional offers often follow an online application, then final sign-off.
Ownership and credit assessment
Banks prefer operating companies with track records. Holding companies may need corporate guarantees and individual checks on total debt. We can also explore combining a mortgage with an unsecured term facility to raise the amount, while guarding against excessive debt.
For a tailored eligibility check and current terms, Whatsapp us at — Property Equity Loan will review your profile and next steps.
Plan your financing strategy: refinancing, repricing, and cash flow management
Map key dates now so you can compare repricing and refinancing options with enough lead time.
Start reviews three to four months before a lock-in ends. Most commercial and industrial packages carry a 1–3 year lock-in and rates often change after that period.
Legal conveyancing for a refinance commonly takes 2–3 months. That gives you time to get quotations, arrange valuation, and decide on an end loan without stress.
Combine financing to raise effective LTV
You can pair a mortgage at about 80% LTV with an unsecured term loan to reach 100%–120% financing. Use this sparingly and stress-test repayments first.
Cash flow first
We focus on working capital and repayment capacity before approving structures. Align repayment terms, rates, and cash needs to avoid pressure on operating cash flow.
Compare 50+ lenders
- Terms vary by asset type and credit profile; some banks exclude certain JTC or mixed-use assets.
- We model interest scenarios and build a refinancing playbook to time valuation, legal, and disbursement steps.
Protect liquidity and keep interest manageable. Whatsapp us at to get latest deals and a custom side-by-side of competing loans and repricing options.
Conclusion
, Finish by turning scenario outputs into a practical repayment roadmap for the next few years.
Use clear numbers to decide. Lenders in Singapore offer fixed and SORA‑pegged packages, with typical LTVs around 80%–90% for owner-occupiers and 60%–70% for investors. Start reviews 3–4 months before any lock‑in ends and allow 2–3 months for conveyancing if you refinance.
We help you translate estimates into action. From document checks to fee planning, we compare 50+ lenders so terms, rates, and payments match your cash flow and risk appetite.
Ready to proceed? Whatsapp us at to get latest deals and a fast, lender‑ready application through Property Equity Loan.
FAQ
How does the Business Property Loan Calculator – Property Equity Loan work?
The tool estimates your monthly repayment and total interest using key inputs: current property value, amount you wish to borrow, interest rate, repayment term, and any fees. It runs a simple amortization to show payments over time so you can see cash flow impact and total cost.
What inputs do I need to use the calculator for commercial and industrial assets?
You’ll need the property value, the desired borrow amount or target LTV, the interest rate (fixed or SORA-pegged), the repayment period in years, and one-off costs such as processing or legal fees. Include leasehold years left if applicable for more accurate results.
What outputs should I expect after running an estimate?
The calculator gives an estimated monthly repayment, total interest paid over the term, and an effective cost metric across the chosen years. It may also show amortization details so you can track principal vs interest per period.
How do SORA-pegged variable rates work for commercial financing in Singapore?
SORA-pegged packages use a compounded 3‑month SORA reference plus the bank’s spread. The rate resets periodically and reflects current money-market conditions, making repayments fluctuate with SORA movements plus the agreed margin.
When should I choose a fixed-rate package versus a floating rate?
Choose fixed if you want predictable repayments or expect rates to rise. Floating can be cheaper if SORA stays low and you’re comfortable with some variability. Compare lock-in periods, break costs, and total projected cost before deciding.
What fees and charges should I include in total cost calculations?
Include processing fees, valuation and legal costs, government stamp duties, and any early repayment or break fees. Some lenders offer fee subsidies — factor those in to find the true effective cost.
What typical LTV ranges and borrowing limits apply for commercial real estate?
Loan-to-value often ranges from about 60%–90% depending on use. Owner-occupied assets usually qualify for higher LTVs (closer to 80%–90%), while investment assets trend lower (60%–70%). Lender policy, tenant mix, and debt servicing capacity also affect limits.
How does leasehold tenure affect the loan term I can get?
Lenders require a buffer of remaining lease years after the loan matures. Typical tenures run 5–30 years, but short leaseholds reduce maximum loan term and may lower eligible LTV. Always disclose remaining lease years for an accurate offer.
What documents and steps are involved from application to approval?
You’ll provide title documents, valuation, financial statements, tenancy schedules, and ID for directors or guarantors. The steps are application, credit and valuation checks, conditional offer, acceptance, legal completion, and drawdown. Timelines vary but early preparation speeds approval.
How do ownership structures affect credit assessment?
Lenders assess operating companies, holding companies, and director guarantees differently. They review company accounts, related-party liabilities, and security quality. Personal or corporate guarantees may be required to reach higher LTVs or better rates.
When should I consider repricing or refinancing an existing facility?
Start evaluating three to four months before your lock-in ends. Reprice if market spreads have improved or refinance to extend tenure, consolidate debt, or access better terms. Factor in any early repayment charges when comparing options.
Can I combine financing types to increase available funds?
Yes. Lenders often allow a primary mortgage plus an unsecured term loan or working capital facility to raise effective financing. Combining facilities can increase usable cash while keeping mortgage LTV limits intact.
How should I align repayment period with cash flow needs?
Match the loan term to expected operating cash flow and asset life. Longer terms lower monthly obligations but increase total interest. Consider buffers for rent or revenue volatility and keep a cash reserve for rate rises or vacancies.
Why do terms vary so much between lenders for similar assets?
Differences arise from each lender’s risk appetite, funding costs, appraisal methods, and policy for specific asset types. Some banks specialize in industrial or retail; others price higher but offer faster turnarounds. Compare at least several offers.
How can I improve the accuracy of calculator estimates?
Use the latest valuation, include leasehold term, add expected fees, and test different rate scenarios. Build a buffer for potential rate rises and align the repayment period with realistic cash flow forecasts for a clearer picture.
How do processing times and tracking work after I submit an application?
Processing times vary by lender and complexity. Simple, owner-occupied deals often move faster. Most banks provide conditional offers and milestone tracking. Stay responsive to document requests to avoid delays.
Are there options to include working capital or operating assets in a single facility?
Yes. Many lenders offer blended solutions: a mortgage for the real asset plus an unsecured or secured working capital tranche. This can provide liquidity while preserving mortgage headroom against the asset value.
