Property financing
Property Financing, Assessed Before Anything Is Submitted
Explore purchase, refinancing and equity release, with residential, commercial and industrial requirements explained separately. Property type, ownership, existing debt and repayment capacity determine the route to assess.
Amount, tenure and loan-to-value depend on the property, the profile and provider assessment
- Indicative amount
- Varies by provider — contact us for an assessment
- Interest / fee structure
- Varies by provider — contact us for an assessment
- Repayment tenure
- Varies by provider — contact us for an assessment
- Processing time
- Varies by provider — contact us for an assessment
Amounts and terms depend on eligibility and provider assessment. Response time is not approval time; no approval date is promised.
What can it be used for?
Tell us what you need the financing for, and we'll help you explore suitable options.
Property purchase
Buying a home, shop, office or factory.
Refinancing
Moving or repricing an existing property loan.
Cash-out / equity release
Using the value in a property you own.
Bridging
Short-term cover between selling and buying.
Commercial / industrial property
Premises bought by a company or its owners.
Residential property: homes and private investment
Private residential financing covers homes such as condominiums and landed properties. Home-loan rules, outstanding housing loans and eligible CPF usage matter. HDB has separate requirements; do not treat HDB cash-out or eligibility as equivalent to private housing.
Commercial property: offices, retail and mixed-use
Commercial premises are assessed on approved use, value, business or rental cashflow and the borrower. Non-residential tax and CPF treatment differ from home purchases. Mixed-use shophouses need their residential and commercial portions checked separately.
Industrial property: factories and warehouses
Industrial loans need a check of approved activity, remaining lease, valuation and any lessor consents. JTC-related requirements apply to the relevant lease, not to every property automatically. An industrial unit cannot simply be assessed using retail or residential rules.
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.
Purchase budget, down payment and upfront costs
Your budget includes the purchase price not covered by the approved loan, stamp duty, legal and valuation costs, and provider fees. Residential purchases may allow eligible CPF usage and may attract ABSD; non-residential transactions may involve GST instead. Keep Loura's service fee separate. Confirm the property's classification and your own tax position with a solicitor before committing.
CPF: using CPF to buy a homeIRAS: property stamp dutyIRAS: real estate GST
Refinancing, equity release and bridging risks
Refinancing replaces an existing loan; repricing changes terms with the same lender. Equity release requests extra borrowing against accepted security, not automatic access to all paper equity. Bridging needs a credible repayment event and a plan if completion is delayed. Compare redemption penalties, fees and total repayment, and do not assume either savings or a completion date is guaranteed.
Residential Property Loan Calculator
Estimate a home loan amount, downpayment and monthly repayment, for purchase or refinancing.
Purpose
Illustrative loan-to-value (LTV)
Repayment tenure (years)
- Estimated monthly repayment (25 yrs)
- S$6,639
- Estimated loan amount (70% LTV)
- S$1,400,000
- Estimated downpayment / equity
- S$600,000
- Total scheduled repayment
- S$1,991,688
- Estimated interest
- S$591,688
- Upfront fees
- S$0
- Total estimated financing cost
- S$591,688
Reducing-balance annual interest; fees paid upfront, not financed.
About these LTV figures
The LTV options are illustrative examples, not confirmed limits. For residential property, MAS sets maximum LTV limits that depend on your age, the loan tenure and how many housing loans you already have — the top 75% applies only in the most favourable case (MAS: tenure and LTV limits). Bank loans are capped at 30 years for HDB flats and 35 years for other homes, and total debt repayments are limited to 55% of gross monthly income (TDSR), with a 30% mortgage servicing limit for HDB flats and ECs (MAS: rules for new housing loans).
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$2,000,000 over 25 years, 3.0% p.a.
| LTV | Loan amount | Downpayment / equity | Monthly |
|---|---|---|---|
| 55% | S$1,100,000 | S$900,000 | S$5,216 |
| 60% | S$1,200,000 | S$800,000 | S$5,691 |
| 70% | S$1,400,000 | S$600,000 | S$6,639 |
| 75% | S$1,500,000 | S$500,000 | S$7,113 |
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.
Who may qualify?
- Property classification, value and remaining lease
- Borrower type: individual or company
- Income or business cashflow and existing loans
- Applicable regulatory and provider requirements
Valuation, outstanding debt and who borrows
A valuation is not a guaranteed loan amount: the provider sets financing subject to applicable rules and its assessment. Existing property loans, charges, income and repayment obligations all matter. 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.
Documents
No documents are needed for the initial enquiry.
- Purchase or ownership records
- Existing property loan statements
- Income or company financial records
- CPF records for eligible residential cases
- Lease and use consents for relevant industrial cases
Additional documents may be requested by the financing provider depending on your case.
Documents and repayment planning
No documents are required for the first enquiry. Later, prepare purchase or ownership records, valuation details, existing loan balances and income or business records relevant to the borrower. Residential cases may need CPF records; industrial cases may need lease and use consents instead. The calculator illustrates equal monthly repayments at a constant customer-entered rate, excluding fees, rate changes and bridging repayment structures.
How it works
01
Tell us what you need
A short enquiry with the basics.
02
We review your situation
We review your situation against the provider's requirements.
03
We help you explore suitable options
We explain the options that may suit you.
04
You decide whether to proceed
We do not submit an application without your instruction.
FAQ
Are all property loans assessed the same way?
No. Residential, commercial and industrial properties have different financing, tax and document considerations. The borrower type and approved use also matter, so we assess the route before discussing figures.
What is loan-to-value?
LTV is the loan as a share of the property's value. The provider considers applicable limits, accepted valuation, debt and repayment capacity. It is not a promise to lend a fixed percentage.
Is cash-out available for every property?
No. It depends on the property class, existing security, applicable rules and provider acceptance. Private-property equity release should not be treated as an HDB option.
Will refinancing always save money?
No. Compare interest over the relevant period with penalties, legal fees, valuation and clawbacks. A lower instalment from a longer tenure may mean more total interest.
What do I need to enquire?
No documents are required initially. Tell us the property type, purpose and any existing loan so an adviser can discuss the next step. A provider decides approval and final terms.
Ready to explore your financing options?
Tell us what you need and a Loura adviser will contact you.