We know the weight of big decisions — and how a clear path can calm your mind. Many of us hold a significant asset and want flexible options without confusing jargon. We help you move forward with care.
Property Equity Loan offers tailored advice and up to 75% financing for private home purchases or refinancing in Singapore. Our relationship managers explain fixed and floating interest rates clearly, so you see the trade-offs and the timeline.
Choose tenures up to 35 years, or options that extend until age 70 depending on entry age. We support Singaporeans, PRs, and foreigners with clear documentation and fast processing.
If you want quick answers, WhatsApp us and we’ll compare rates and promotions across leading banks in minutes. We stand beside you to protect value and keep your goals in view.
Key Takeaways
- Up to 75% financing for private home purchase or refinance.
- Clear guidance from a dedicated relationship manager.
- Competitive fixed and floating interest rates explained simply.
- Tenures up to 35 years or up to age 70 options.
- Support for Singaporeans, PRs, and foreigners with eligibility clarity.
- WhatsApp available for fast rate comparisons and promotions.
Why choose Property Equity Loan for your home financing in Singapore
We guide you through every step so your financing fits your life, not the other way round.
Personalized service from dedicated relationship managers
Our relationship managers work with you to make choices that match your life stage and cash flow. They explain fixed and floating options in plain language so you can compare total costs and terms.
Expect a clear, side-by-side breakdown of packages. We highlight lock-in periods, repricing paths, and upfront fees. This helps you decide with confidence and fewer surprises.
WhatsApp us to get the latest deals, rates, and promotions
WhatsApp us to get the latest deals—message us now for real-time package comparisons and time-sensitive promotions. We monitor markets and alert you when better options arise.
- We treat your objectives as the brief and tailor the mortgage structure to fit cash flow and risk appetite.
- Prompt responses, clear next steps, and regular updates from approval to disbursement.
- We align the loan structure with your plan—faster principal reduction or protection against rate shocks.
“Our goal is simple: protect value and keep your goals in view.”
| Service | What we show | Benefit |
|---|---|---|
| Package comparison | Fees, lock-in, reprice paths | Clear cost view |
| Market alerts | Rate movement and promotions | Opportunity to save |
| Post-approval support | Disbursement & ongoing service | Smoother journey |
Property loan interest rates and packages
Pick a package that balances payment certainty with the chance to benefit when market rates fall.
Attractive interest rates: competitive floating and fixed options
Attractive interest rates are available in both fixed and floating formats. Fixed packages give payment certainty for set years. Floating packages track market benchmarks so you can gain when rates ease.
Zero partial prepayment fee for flexible repayments
We offer zero partial prepayment fee on select packages. That means you can reduce your outstanding balance with bonuses or lump sums without penalty.
How rates, terms, and tenure affect your total interest
Small changes in interest can shift total cost significantly over long tenures. We model scenarios so you see outcomes across different terms and years.
“We compare headline rates against effective costs after fees, so you pick real value—not just promotions.”
- Fixed: predictable payments, good for budgeting.
- Floating: potential savings when market rates fall.
- Mixed: switch options and caps for downside protection.
| Package Type | Key Feature | When to pick |
|---|---|---|
| Fixed | Stable monthly payment | When you prefer certainty |
| Floating | Tracks benchmarks | When you can tolerate market swings |
| Hybrid | Conversion options & caps | Balance of safety and upside |
Present-time note: Packages and eligibility differ by bank and may change. Terms and conditions apply. WhatsApp us to get the latest deals on fixed and floating packages, plus bank promotions for your profile.
Financing amount and tenure options tailored to your needs
The right financing amount and tenure can make your monthly payments manageable and predictable.
High margin of financing: Loan-To-Value (LTV) of up to 75%
Up to 75% financing is available for eligible private property borrowers in Singapore. We calculate your maximum LTV alongside prudent scenarios so you see the trade-offs between cash outlay today and costs over time.
Flexible loan tenure: up to 30–35 years, or up to age 70
Tenure options often extend to 35 years or until age 70 depending on your entry age. Longer terms reduce monthly payments; shorter terms cut total interest.
Structuring for affordability over the years
We model monthly installments and principal/interest splits so you can compare real outcomes.
- We show optimal financing amounts that balance cash flow and total interest.
- Age, income, and existing borrowings affect allowable tenure and affordability.
- Prepayment strategies and renovation buffers help keep payments comfortable.
- For investors, we benchmark rental yield against installments to protect returns.
Prefer a quick estimate? WhatsApp us and we’ll run LTV and tenure options tailored to your home value and income.
“We help you right-size monthly payments and plan a sustainable path to full ownership.”
Eligibility and minimum requirements for a property loan
Before you apply, check a few simple eligibility rules so you know if you qualify.
Who can apply
You can apply if you are a Singaporean, PR, or foreigner aged 21 and above. We review basic checks quickly so you can move forward or adjust plans without delay.
Income and minimum thresholds
Minimum annual income must be more than S$24,000. Banks generally set a minimum facility size from S$200,000 to keep processing efficient.
Eligible uses and documentation
Financing is available for private residential purchase or for refinancing from another institution. We pre-validate your documents and credit profile to reduce hold-ups.
- We confirm eligibility, review key documents, and flag issues before submission.
- We explain co-borrower options and how they affect tenure and LTV outcomes.
- Message us on WhatsApp for a personalised checklist and a fast pre-qualification.
“Property Equity Loan lists everything you need upfront to speed approvals.”
Refinancing your existing mortgage for better rates and terms
If market rates fall or your lock-in ends, refinancing may unlock meaningful savings and flexibility.
Refinancing can secure a lower rate, reset your tenure, and reduce total interest paid over the years. We assess the numbers side-by-side so you see net savings after fees and any early-exit charges.
When refinancing makes sense
- Beneficial when your lock-in ends or benchmark rates drop.
- Use refinancing to smooth monthly payments or shorten total repayment years.
- We model the trade-off: lower monthly outlay versus higher total interest if tenure is extended.
Required documents for quick approval
To speed approvals, prepare these items. They let us validate your profile and estimate savings fast.
- Latest 6 months’ statements for your current bank plan and CPF withdrawal statement.
- NRIC or Passport; Option to Purchase or Sale & Purchase Agreement if applicable.
- Evidence of sale or tenancy agreement if renting out; income docs (latest tax assessment and CPF for employed; two years’ tax assessments for self-employed).
| What we compare | Current package | Refinance option | Result |
|---|---|---|---|
| Headline rate | Existing rate | Today’s fixed/floating rate | Potential lower interest |
| Tenure | Remaining years | Reset tenure choices | Lower monthly payment or faster payoff |
| Fees & waivers | Break costs | Legal subsidies or fee waivers | Net savings after charges |
Ready to review your loan? WhatsApp us for a free refinancing assessment with side-by-side comparisons, estimated savings, and clear next steps. We typically return preliminary figures within one working day.
“We quantify savings, explain the terms, and help you pick a path that protects your finances.”
Documents, fees, and important terms to know
Collecting the right paperwork early saves time and reduces surprises during approval.
Documents checklist
Prepare clear copies of NRIC or Passport for all applicants and owners.
Include the Option to Purchase or Sale & Purchase Agreement for new purchases and the latest six months’ loan statements if you are refinancing.
Also gather CPF withdrawal statements, tenancy or sale evidence where relevant, and income docs—latest notice of assessment and CPF for salaried staff, two years’ tax assessments and proof of two years in business for the self-employed.
Fees, RoR, and key terms
We list expected fees up front: legal, valuation, and any package-specific charges so you see true cost beyond headline rates and attractive interest figures.
Banks may include a Right of Review (RoR) clause that allows pricing or feature changes under set conditions. We explain implications and timelines before you sign.
Current promotions and disclaimer
- Refer a friend or family member and each may earn up to S$1,000 in shopping vouchers (until 31 Dec 2025).
- For qualifying GREEN buildings with valid BCA Green Mark (2022+), receive S$200 eCapitaVouchers.
Disclaimer: Terms, eligibility, and availability vary by bank and by year. We verify promo eligibility and provide a written summary as your reference.
“We make paperwork simple. WhatsApp us for a complete, personalized checklist and to confirm any fees or promotions before you proceed.”
| What to prepare | Why it matters | Typical timing |
|---|---|---|
| NRIC/Passport, OTP/S&P | Identity and ownership proof | Before application |
| Latest 6 months’ statements, CPF | Verifies existing commitments | With submission |
| Income documents | Confirms repayment ability | Needed for approval |
Conclusion
When you want clarity fast, we summarise options, fees, and timing so you can act with confidence.
Ready to move forward? WhatsApp us for current deals, a customised plan, and hands‑on support from application to approval. Promotions run until 31 December 2025, including referral rewards and GREEN incentives.
We compare rates, mortgage packages, and tenure to show real costs over the years. We also model refinancing savings and prepayment strategies so you keep flexibility.
What you get: clear terms, fewer surprises, and a step‑by‑step action plan tailored to your home goals.
Contact: WhatsApp us now for personalised offers and the exact next steps you should take today.
FAQ
What types of financing packages do you offer?
We provide competitive floating and fixed-rate packages, including options with attractive introductory rates and longer fixed legs. Packages can be tailored to your cashflow needs and risk profile so you get a mix of stability and savings.
How do interest rates, terms, and tenure affect the total interest paid?
Shorter tenures usually mean higher monthly payments but lower total interest. Lower rates reduce monthly cost and lifetime interest. We model scenarios so you can compare total cost, monthly commitment, and flexibility before choosing.
Who is eligible to apply?
Singapore citizens, permanent residents, and foreign applicants aged 21 and above may apply. Eligibility also depends on income, credit history, and the type of property you hold.
What is the minimum financing amount and income requirement?
Minimum financing typically starts from S0,000. As a guideline, applicants should have an annual income above S,000, though exact thresholds depend on the product and underwriting.
What loan-to-value (LTV) can I expect?
We offer high margins of financing with LTVs up to 75%, subject to applicant profile, property type, and regulatory limits.
What maximum loan tenure can I choose?
Tenures are flexible — generally up to 30–35 years. Final tenure may also be limited by your age at entry, often capped so repayment completes by age 70.
When should I consider refinancing my current mortgage?
Refinancing makes sense if you can secure a lower rate, want to reset tenure for affordability, or aim to restructure monthly payments. We help quantify savings after fees to confirm it’s worthwhile.
What documents are required for an application or refinancing?
Prepare identification (NRIC or passport), sale documents (OTP or S&P), recent loan statements, CPF statements if used, and income proof such as payslips or tax returns. Additional items may be requested during assessment.
Are there fees or penalties I should know about?
There are standard fees such as processing charges, legal fees, and potential early repayment costs depending on your current contract. Some packages waive partial prepayment fees; always check the detailed terms and bank review clauses.
Do you offer promotions or referral rewards?
Yes — subject to terms, promotions may include referral rewards up to S
FAQ
What types of financing packages do you offer?
We provide competitive floating and fixed-rate packages, including options with attractive introductory rates and longer fixed legs. Packages can be tailored to your cashflow needs and risk profile so you get a mix of stability and savings.
How do interest rates, terms, and tenure affect the total interest paid?
Shorter tenures usually mean higher monthly payments but lower total interest. Lower rates reduce monthly cost and lifetime interest. We model scenarios so you can compare total cost, monthly commitment, and flexibility before choosing.
Who is eligible to apply?
Singapore citizens, permanent residents, and foreign applicants aged 21 and above may apply. Eligibility also depends on income, credit history, and the type of property you hold.
What is the minimum financing amount and income requirement?
Minimum financing typically starts from S$200,000. As a guideline, applicants should have an annual income above S$24,000, though exact thresholds depend on the product and underwriting.
What loan-to-value (LTV) can I expect?
We offer high margins of financing with LTVs up to 75%, subject to applicant profile, property type, and regulatory limits.
What maximum loan tenure can I choose?
Tenures are flexible — generally up to 30–35 years. Final tenure may also be limited by your age at entry, often capped so repayment completes by age 70.
When should I consider refinancing my current mortgage?
Refinancing makes sense if you can secure a lower rate, want to reset tenure for affordability, or aim to restructure monthly payments. We help quantify savings after fees to confirm it’s worthwhile.
What documents are required for an application or refinancing?
Prepare identification (NRIC or passport), sale documents (OTP or S&P), recent loan statements, CPF statements if used, and income proof such as payslips or tax returns. Additional items may be requested during assessment.
Are there fees or penalties I should know about?
There are standard fees such as processing charges, legal fees, and potential early repayment costs depending on your current contract. Some packages waive partial prepayment fees; always check the detailed terms and bank review clauses.
Do you offer promotions or referral rewards?
Yes — subject to terms, promotions may include referral rewards up to S$1,000 and S$200 vouchers for green loan initiatives. Availability and eligibility change periodically, so contact us for live offers.
How quickly can I get an approval?
Simple cases with complete documentation can receive conditional approvals within days. Turnaround varies with case complexity, verification needs, and the property’s status.
Can I make extra repayments without penalty?
Some plans allow zero partial prepayment fees, offering flexible repayments. Confirm whether your chosen package imposes any prepayment charges or requires notice periods.
How does age affect my tenure options?
Entry age influences maximum repayment age. Many institutions cap repayment so it finishes by around age 70, which may shorten your available tenure if you apply later in life.
Is information on rates and offers up to date?
We update rates and promotions regularly. The details provided are accurate at the time of enquiry, but all offers are subject to change and final terms and conditions.
How can I get personalized help or the latest deals?
Reach out to our relationship managers for tailored advice. You can also message us on WhatsApp to receive current rates, promotions, and a quick case assessment.
,000 and S0 vouchers for green loan initiatives. Availability and eligibility change periodically, so contact us for live offers.
How quickly can I get an approval?
Simple cases with complete documentation can receive conditional approvals within days. Turnaround varies with case complexity, verification needs, and the property’s status.
Can I make extra repayments without penalty?
Some plans allow zero partial prepayment fees, offering flexible repayments. Confirm whether your chosen package imposes any prepayment charges or requires notice periods.
How does age affect my tenure options?
Entry age influences maximum repayment age. Many institutions cap repayment so it finishes by around age 70, which may shorten your available tenure if you apply later in life.
Is information on rates and offers up to date?
We update rates and promotions regularly. The details provided are accurate at the time of enquiry, but all offers are subject to change and final terms and conditions.
How can I get personalized help or the latest deals?
Reach out to our relationship managers for tailored advice. You can also message us on WhatsApp to receive current rates, promotions, and a quick case assessment.
