Commercial/Industrial Property
From offices and warehouses to shopfronts and industrial sites, our property loans help you secure the space your business needs to grow. Whether you're expanding operations or investing for the future, it's a smart way to build long-term value.
Enquire nowFeatures and Benefits
Our competitive terms and rates are designed to match your needs so that you can own the property of your choice.
Financing for All properties
Applicable for Refinancing or New Purchase (Uncompleted/Completed) properties.
High Loan Quantum
High loan ratio help you secure the property you need. Finance up to 90% of Purchase Price or Valuation, whichever is lower.
Flexible Repayment Plans
Choose a repayment schedule that fits your budget, with tenures of up to 25 years for added flexibility.
Competitive Interest Rates
Benefit from attractive rates designed to keep financing affordable.
Eligibility
Who can apply?
Corporate Borrower
- Singapore incorporated/registered firms & Singapore registered Associations & Societies/Charitable Organisations
- At least 30% of the company is owned by Singaporeans / PRs
- Profitable business and sufficient cashflow to service debt
Individual Borrower/Personal Guarantor
- Singaporean, Singapore P.R. and Foreigner* residing in Singapore
- Minimum age: 21 years old
- Minimum income of Main applicant: $24,000 per annum
- Not bankrupt or on a debt repayment programme administered by the Official Assignee
- Stable employment history & Fulfil MAS's TDSR guidelines
*Terms & Conditions apply
What documents will I need?
Standard documents (applicable to all)
- Signed application form
- Address, and information of property (size, tenure)
- Valuation report on the property
- Option to purchase (if available)
- Statement from existing financier of property (for refinancing)
- Tenancy Agreements (if applicable)
- Any other information/documents as required by SFL
Corporate Borrower (additional documents)
- Latest 2 years financial reports/statements
- Latest 6 months' bank statements (where applicable)
Individual Borrower/Personal Guarantor (additional documents)
- Copy of NRIC/Passport for all applicants and owners
- Latest 2 years tax assessment & CPF statement
#1 IWAA - Income Weighted Average Age. Applicable to joint borrowing, the IWAA is used to compute their average age for the purpose of granting the loan tenure. For more information on computing your IWAA, please refer to the MAS website
#2 TDSR – Total Debt Servicing Ratio. We will calculate your TDSR based on your monthly total debts divided by your gross monthly income. All your outstanding loans - such as credit card repayment, unsecured personal loan repayments, car loan repayments, renovation loan etc - will be considered when we're calculating these monthly debt obligations. Your gross monthly income will include your fixed monthly salary, average of your variable income (e.g. commission, bonus and other allowances), and can be subject to haircuts.
*Terms & Conditions apply/subject to regulatory restrictions
*Foreigner: Terms & Conditions apply