Commercial Property Loans
Finance approved offices, retail units and commercial premises for your own use or investment, with commercial costs and assessment explained separately.
Maximum amount
Varies by provider — contact us for an assessment
Indicative rate
Varies by provider — contact us for an assessment
Maximum tenure
Varies by provider — contact us for an assessment
Processing time
Varies by provider
These figures are a guide only. The actual amount, rate, tenure, fees and approval depend on the provider and your situation.
01
What can it be used for?
Purchase, refinance and commercial equity release
Commercial financing covers approved offices, retail units and commercial premises, whether owner-occupied or rented out. Purchase financing pays part of the acquisition; refinancing replaces an existing facility. Cash-out, if the provider permits it, depends on accepted valuation, existing secured debt and a viable use and repayment plan. A shophouse with residential space needs a mixed-use assessment rather than being treated as entirely commercial.
02
What does it cost?
Provider interest and charges
Check whether the rate is annual or monthly, flat or reducing-balance, and whether repayments include principal. EIR, where published, is separate from the advertised rate. Allow for processing, upfront, annual, legal, valuation and early-settlement charges where applicable.
Loura service fee
Separate from provider charges; no fee is assumed in the estimate. Your adviser confirms whether a Loura fee applies and its amount before you decide to proceed. All provider charges must be confirmed in the offer.
Down payment and upfront commercial costs
Budget cash for the purchase portion the provider does not finance, stamp duty, legal work, valuation and facility charges. Do not assume residential CPF housing savings are available for a new commercial purchase. GST may apply to the non-residential transaction depending on the seller and transaction; residential ABSD rules do not simply carry across to an entirely non-residential property. Mixed-use premises need separate tax advice.
IRAS: property stamp dutyIRAS: real estate GSTSingapore legislation: CPF non-residential scheme
Repayment and refinancing considerations
For your own premises, test instalments against business cashflow, not only against the rent you currently pay. For an investment, allow for vacancies, maintenance and changes in rent. Compare total switching costs, repayment structure, lock-in and early-redemption terms. The calculator assumes constant interest and equal monthly repayments; it is not a model for an interest-only or balloon facility.
Commercial Property Loan Calculator
Offices, retail units and commercial premises. Residential mortgage rules are not applied.
Purpose
Illustrative loan-to-value (LTV)
Repayment tenure (years)
- Estimated monthly repayment (20 yrs)
- S$21,209
- Estimated loan amount (70% LTV)
- S$3,500,000
- Estimated downpayment / equity
- S$1,500,000
- Total scheduled repayment
- S$5,090,235
- Estimated interest
- S$1,590,235
- Upfront fees
- S$0
- Total estimated financing cost
- S$1,590,235
Reducing-balance annual interest; fees paid upfront, not financed. Rental income, business cashflow and debt-service coverage may need separate provider assessment.
About these LTV figures
The LTV options are illustrative examples, not confirmed limits. MAS’s housing-loan LTV rules cover residential property (MAS Notice 632); for commercial property, the LTV, tenure and pricing are set by each financing provider. Residential mortgage rules are not applied in this estimate.
The highest option is not an amount you can definitely borrow. Actual financing depends on the property, the borrower, any outstanding loan and the provider’s assessment.
Illustrative example at S$5,000,000 over 20 years, 4.0% p.a.
| LTV | Loan amount | Downpayment / equity | Monthly |
|---|---|---|---|
| 50% | S$2,500,000 | S$2,500,000 | S$15,150 |
| 60% | S$3,000,000 | S$2,000,000 | S$18,179 |
| 70% | S$3,500,000 | S$1,500,000 | S$21,209 |
| 80% | S$4,000,000 | S$1,000,000 | S$24,239 |
Illustrative estimate only, using illustrative example figures (amounts, rates, LTV and fees) — not verified provider offers, a loan offer or approval. Actual rates, fees, LTV, tenure and approval depend on the financing provider and your assessment. Provider, legal, valuation and other fees are excluded unless shown. Any Loura service fee is separate and disclosed before you decide to proceed.
03
Who may qualify?
- Approved commercial use and valuation
- Business cashflow or personal income, depending on borrower
- Existing loans and security charges
- Lease remaining, tenancy and rental risk
- Applicable TDSR rules for individuals or property-purchase vehicles
Commercial valuation and borrower assessment
The provider reviews approved use, location, lease remaining, condition and valuation alongside rental income or business cashflow. Existing mortgages and other secured facilities reduce the scope for further borrowing. Individuals and sole proprietors can be subject to TDSR for non-residential property too. Companies generally undergo business credit assessment instead, but a vehicle set up solely to purchase property can fall within the TDSR rules. Company ownership is not an automatic exemption.
04
Documents
No documents are needed for the initial enquiry.
- Property title, approved-use and purchase documents
- Borrower identity or company ACRA profile
- Personal income or company financial and bank records
- Current property loan statements if refinancing
- Tenancy agreements and rental evidence if applicable
Additional documents may be requested by the financing provider depending on your case.
Commercial documents: company or individual borrower
Prepare the option or sale agreement, title and permitted-use details, plus existing facility statements for refinancing. A company may need its ACRA profile, financial statements and business bank records; an individual may need income and identity records. Add tenancy agreements and rental evidence if let out. A provider may ask for guarantees, but requirements must be confirmed for that product.
05
How it works
- 1Tell us what you need
- 2We look at your situation
- 3We explain the options that may suit you
- 4You decide whether to go ahead
06
Provider options
We only show providers whose information we have checked on their official website. Being listed here does not mean a provider partners with or endorses Loura.
Varies by provider — contact us for an assessment. No verified product offer is currently listed; rates, amounts and terms are not assumed.
Current indicative information. Terms, rates, fees and eligibility may change and are subject to provider assessment.
07
Frequently asked questions
Can an individual or company buy commercial premises?
Providers may finance either, but the assessment and documents differ. Individuals can be subject to TDSR; companies are assessed on business credit, with special rules for property-purchase vehicles. Do not assume buying under a company removes all affordability checks.
Can I use CPF or do residential taxes apply?
Do not rely on residential CPF housing savings for a new commercial purchase. An entirely non-residential property has different tax treatment; GST may apply, while mixed-use property needs separate checks. Your solicitor should confirm the taxes and cash budget.
Does rental income guarantee eligibility?
No. The provider assesses tenancy quality, vacancy risk, valuation, your other debts and repayment capacity. Owner-occupied premises are assessed against business cashflow rather than an assumed rent.
Can I refinance and release extra cash?
Only if the provider accepts the property and additional borrowing after checking existing charges and affordability. Compare lock-in costs, new fees and the use of funds before deciding. No amount or approval timeframe is promised.
What is needed for the first enquiry?
Just the information in the enquiry form; no documents are required initially. Later assessment may need title, purchase or mortgage records and company or income evidence. Provider charges and any Loura service fee are explained separately.
Want to know your options?
Start with a short enquiry. No documents are required initially; approval and final terms are decided by the provider.
Check Your Eligibility