You may feel a mix of excitement and caution when thinking about using your asset to fund growth. We understand that tapping equity is personal and can change the direction of your business and life.
We help you turn equity into usable capital without complicating day‑to‑day plans. Our approach pairs clear guidance with flexible options — up to 80% of value may be available for purchase or refinance, subject to bank assessment.
Repayments can stretch from 1 to 25 years. You can choose a fixed rate for the first two years or a SORA‑pegged package tied to 3‑month compounded SORA. We explain interest mechanics in plain language so you feel in control.
Apply online with ACRA/MyInfo support, get guarantor endorsement by email, and track progress by email until the final offer for signing. Promotional savings include 60% off processing fees until 30 September 2025 and subsidies for legal and valuation costs.
Talk to us at Property Equity Loan — WhatsApp us to get the latest deals.
Key Takeaways
- Access up to 80% of your asset value for purchase or refinance.
- Flexible terms from 1 to 25 years with fixed or SORA‑pegged options.
- Online application, email tracking, and quick conditional offers.
- Promotions include processing fee discounts and subsidies.
- Eco Renovate financing can cover up to 100% of eligible sustainable works.
Why Choose Property Equity Loan for Business Property Financing in Singapore
We help convert asset value into working capital with clarity and practical steps. Our priority is to protect your cash flow while unlocking useful funds.
Transparent options: enjoy competitive interest choices, including a fixed rate for the first two years or SORA‑pegged packages. Apply online to qualify for a 60% processing fee discount until 30 September 2025 and benefit from common bank subsidies on legal and valuation fees.
We act as your advocate, comparing rates and terms so your business property objectives become a clear, low‑friction financing path. Early provision of address, floor size, and valuation speeds up decisions.
- We explain how fixed vs SORA affects instalments and timing.
- We structure plans that support working capital for upgrades, debt consolidation, or tenancy shifts.
- SME owners gain practical savings through fee subsidies and limited‑time discounts.
Whatsapp us at to get latest deals.
commercial property loan singapore: What You Can Get Today
Today’s financing options let you unlock a large share of your asset value to fund growth, refinance existing balances, or cover upgrades. We focus on clarity so you see what is realistic for your plans.
Loan amount and LTV
Typical approvals reach up to 80% of current value for a purchase or refinance, subject to bank assessment. For eligible operating companies, some packages allow up to 90% of the purchase price.
Flexible repayment and tenure
You can choose instalments spread over 1 to 25 years in most cases. Some offerings allow 5–30 years to lower monthly stress while you focus on business operations.
Interest, rates, and renovation financing
Pick a fixed interest rate for the first two years if you prefer payment certainty. Or select a SORA‑pegged package that tracks 3‑month compounded SORA for more market‑linked pricing.
Eco Renovate bundles can fund up to 100% of eligible sustainable works, helping reduce running costs and boost asset value.
“We’ll map your numbers to current criteria so you know what is achievable today.”
- Use cases: property purchase, a refinance loan to free up working capital, or investment expansions.
- We compare tenure, prepayment rights, and rate resets so you choose with facts.
- Ready to check numbers? See current package details and apply via our partner page: industrial and commercial financing.
Whatsapp us at to get latest deals and a quick assessment tailored to your business.
Interest Rates, Packages, and Fees Explained
Understanding how rates move helps you avoid surprises in monthly payments.
Fixed vs SORA‑pegged
Fixed packages keep instalments unchanged for the first two years, giving you short‑term certainty.
We model both fixed and SORA scenarios so you can compare expected payments across years.
SORA‑pegged packages reference the 3‑month compounded SORA published by MAS. Banks then add a spread to form your effective rate. We translate these technical pieces into plain English and show payment paths under different market moves.
Fees, discounts and subsidies
Online applications receive a 60% processing fee discount until 30 September 2025.
Banks commonly subsidize legal and valuation fees, lowering upfront cash and improving breakeven.
Lock‑in, early repayment and refinance
Lock‑in period rules vary. Repaying or refinancing inside the lock‑in period can trigger charges or notice requirements.
We explain timing, expected charges, and how refinance windows affect your flexibility.
| Feature | What it means | Typical impact | Action |
|---|---|---|---|
| Fixed package | Stable instalments for 2 years | Predictable budgeting | Model payments for worst-case rate moves |
| SORA‑pegged | Tracks 3‑month compounded SORA + spread | Payments can rise or fall | Stress‑test income scenarios |
| Fees & subsidies | Processing fee discount; legal/valuation aid | Lower upfront cost | Apply online and provide price/valuation |
- We review repricing cycles, notice periods and terms so you pick the best package.
- Provide price, valuation and recent statements to speed assessment and credit checks.
- Property Equity Loan: Whatsapp us at to get latest deals and tailored details.
Eligibility, Credit Assessment, and Required Documents
A focused data pack speeds review: who you are, what you own, and how the numbers look matter most. We guide you through eligibility so the credit assessment is clear and fast.
Business types and how banks view them
Whether you are an operating company occupying the space or an investment holding firm leasing it out, banks apply different criteria. We explain how that affects your application and expected terms.
Core property and financial details
Prepare address, floor size, tenure, valuation or purchase price and any option to purchase. Also supply the latest two years of financial statements and the most recent three months of bank statements.
- We help SMEs: use ACRA or MyInfo Business to auto‑retrieve company details and cut paperwork.
- For investment cases, present rental income, yield and lease terms so underwriters see consistent numbers.
- If you plan an overseas purchase or refinance, we outline extra documents and bank terms early.
Next steps: send your pack to Property Equity Loan and Whatsapp us at to get latest deals and a practical timeline for approval.
Application to Approval: How the Loan Process Works
We guide you from submission to signing so the process stays calm and clear. Start online with ACRA/MyInfo Business to auto-fill company details and speed the initial review. That single step reduces back-and-forth with the bank and helps avoid common delays.
Submit your application online
Step 1: We help you submit a complete application using ACRA/MyInfo Business. This auto‑populates core business data and shortens review time.
Notify guarantors for endorsement
Step 2: The bank sends an email to guarantors for endorsement. We coordinate follow-ups so this step does not stall the process.
Receive a conditional offer
Step 3: A relationship manager calls with a conditional offer. We walk you through the rate structure, packages, and any conditions so you know what to expect.
Track status and updates
Step 4: You receive tracking emails and status updates. We monitor notices and respond quickly to requests for extra documents or clarifications.
Review final offer, sign, and disburse
Step 5: After final checks, you get the final offer to sign. We confirm disbursement timing and brief you on repayment instructions and relevant period considerations.
“We consolidate documents early — valuation, recent statements and property facts — so the lender’s assessment runs smoothly.”
- Typical documents: address, valuation or price, latest 2 years of financial statements, and recent 3 months of bank statements.
- Be aware that restructuring inside a lock-in period may incur charges depending on months remaining and notice rules.
- We remain available to clarify fees, explain rate resets, and help you compare packages or loans that fit your business needs.
Property Equity Loan: Whatsapp us at to get latest deals and a quick assessment tailored to your situation.
Conclusion
Start by estimating a sensible loan amount and matching tenure to the cash flow you can sustain. We will help you check figures so the purchase or refinance stays strategic, not stressful.
Whether you need working capital, to complete a property purchase, or to refinance existing balances, we design a clear repayment period and show fees, rates, and years side by side.
We model interest rate scenarios, highlight available savings (legal, valuation, and processing fee discounts), and ready your credit assessment so approval moves smoothly.
For a concise offer and next steps, Whatsapp us at to get latest deals. We’ll map loan amount, tenure, and notice windows so you can act with confidence.
FAQ
What types of business property financing can I get today?
You can access purchase financing, refinance packages, or working capital tied to your asset. Typical offers include up to 80% LTV against value for purchases or refinancing, and eligible operating companies may qualify for up to 90% of the purchase price.
How long can I take to repay the financing?
Repayment tenures usually range from 1 to 25 years, with some packages extending to 30 years. Choose shorter terms to save on interest or longer tenures to lower monthly instalments.
What interest rate options are available?
Lenders commonly offer fixed-rate deals for the initial 1–2 years or SORA-pegged (floating) packages. Fixed rates give payment certainty; SORA-linked options may move with market rates and can be cheaper over time.
Can I borrow to fund renovations or sustainability upgrades?
Yes. Many packages finance renovation works and green upgrades—some allow up to 100% financing for qualifying sustainability improvements, subject to assessment and supporting quotes.
What fees should I expect during application?
Typical costs include processing fees, legal fees, valuation fees, and possible early repayment charges during any lock-in period. Some offers provide fee subsidies or discounts—online applications often carry promotional processing fee savings.
Is there a lock-in period and can I repay early?
Many deals include a lock-in period that incurs break costs or penalties for full repayment within that time. After the lock-in, you can usually refinance or prepay with minimal fees—check the specific package terms.
What documents do I need to apply?
For businesses: latest two years of financial statements, at least three months of corporate bank statements, ACRA business profile, and property information (address, tenure, floor area, valuation, purchase price). Personal guarantor documents may also be required.
Which business types qualify for higher LTVs?
Operating companies that actively run a business on the premises often qualify for higher LTVs compared with pure investment holding companies. Lenders assess cash flow, business trading records, and asset use when deciding eligibility.
Can I use the proceeds for overseas acquisitions?
Some banks offer cross-border options for purchasing or refinancing overseas assets. Availability and terms depend on the jurisdiction, property title, and lender risk policies—expect additional due diligence and documentation.
How does the application-to-approval process work?
Submit your application online (using ACRA/MyInfo Business where supported). Lenders may request guarantor endorsement via emailed links. You’ll receive a conditional offer from a relationship manager, track status online, review the final offer, sign, and then proceed to disbursement once conditions are met.
Are there special promotions I can use to reduce upfront costs?
Yes. Promotions may include reduced processing fees, legal or valuation subsidies, or lower initial rates. For example, some online campaigns provide substantial processing fee discounts for a limited period—confirm expiry dates and eligibility.
What determines the loan amount lenders will offer?
Lenders base the facility on valuation, purchase price, your company’s financial strength, and intended use of funds. They also consider loan-to-value ratios, cash flow coverage, and any existing encumbrances on the asset.
How does credit assessment affect my terms?
Strong financials, consistent cash flow, and a solid credit record typically secure better rates, higher loan amounts, and more flexible repayment terms. Weak or inconsistent records may lead to lower LTVs, higher rates, or additional guarantees.
What happens after I receive a conditional offer?
Review the conditions carefully. You’ll need to submit outstanding documents, meet any pre-disbursement requirements (e.g., insurance, legal checks), sign loan agreements, and satisfy conditions before funds are released.
Who can I contact to get the latest deals and personalised advice?
Speak with a relationship manager at your chosen bank or use the lender’s messaging channels—many providers list a WhatsApp contact for up-to-date offers and quick clarifications. They can run tailored illustrations and explain fees, rates, and tenure options.
