Borrow against property you or your business already owns — usually the largest quantum and lowest rates available, in exchange for a longer, more document-heavy process.
A property-backed business loan uses residential, commercial, or industrial property as collateral. Because the lender has a clear asset to recover against, this route typically unlocks larger loan amounts and materially lower interest rates than unsecured business financing — the trade-off is a longer approval timeline and more documentation.
Actual LTV, rate and tenor depend on property type, valuation, and the specific lender — your advisor will confirm exact figures for your situation.
Enquire About This LoanIf you already own private property or an executive condominium past its Minimum Occupation Period, you may be able to borrow against the equity you've built up — without selling.
These three regulatory limits determine how much you can borrow before you even look at a specific lender's offer.
The maximum percentage of a property's value a lender will finance. The rest must come from your own funds — cash, CPF, or equity.
All your monthly debt repayments — across every loan and credit facility — are capped at a set percentage of your gross monthly income. Existing debts reduce how much new financing you can take on.
A stricter, property-specific limit applying to HDB flats and ECs: your property loan repayments alone are capped at a set percentage of gross monthly income.
You may come across "caveat loans" — fast cash secured by lodging a caveat on a property title, offered by Private Funders rather than banks. They can carry interest well above bank rates and are generally a last resort for borrowers who don't qualify for a standard bank or equity term loan.
If a caveat loan is ever relevant to your situation, we'll walk you through exactly what it means before you commit, and we always recommend exhausting standard bank options first and seeking independent legal advice before signing anything that puts your property title at risk.
