Commercial and Industrial Property Loans - Office, Retail Shop, Coffeeshop, Warehouse, Factory

Compare Latest Lowest Cheapest Best Industrial Commercial Property LoansPromotional Commercial & Industrial Property Loans:

  Commecial Commercial Commercial / Industrial
1st yr From 2.55% From 2.10% From 1.80%
2nd yr From 2.55% From 2.40% From 1.80%
3rd yr From 2.55% From 3.18% -
       
Lock in period 3 years 3 years 2 years
Interest Rate Reference Fixed Rates Fixed Deposit Pegged Sibor Pegged
Interest-Only
No Yes No
Eligibility Individuals Individuals / Investment Holding Companies Investment Holding Companies / Operating Companies
Legal & Valuation Subsidies Yes Yes Yes

 *Minimum loan amount may apply. Many other promotional offers, contact us for full list of details and offers.

 

Features and Benefits:

 

  • Legal and Valuation subsidies (New Purchase and Refinancing)
  • Variable Board Rate
  • Sibor Pegged
  • Fixed Rates
  • Interest-only
  • Free Conversion

 

Features of a commercial mortgage loan include but are not limited to lock in period, prepayment penalties, legal subsidy, valuation subsidy, fire insurance subsidy, quantum of financing, loan tenure, bank valuation and credit assessment guidelines. Other lending characteristics may vary between different banks and lenders.

 

Types of Borrowers:

A commercial property loan is commonly made secured against 3 types of borrowers:

  • An individual person
  • An investment holding company
  • An operating enterprise

 

Investment holding companies are a form of special purchase vehicle commonly set up by individual property investors to hold, trade and buy/sell phycial properties. An example of a large scale investment holding company is a Real Estate Investment Trust (REITS). GST is payable for the purchase of non-residential properties if the seller is GST-registered.

 

Our Brokerage Services:

  • New Purchase (Completed / Under-Construction)

We provide mortgage comparisons from over 22 banks and finance houses for the finest and widest selections of commercial & industrial property loans. Lending limits are capped at up 80% loan to value, applicable for individuals, investment holding and operating comapines.

  • Remortgaging / Refinancing

Refinancing your commercial property loan after your lock in period may provide you with thousands of dollars in savings. Legal and valuation subsidy plans available.

  • Development Financing

We work with financial lenders to provide project construction financing for a new commercial plot / building etc.

  • Cash out Property Term Loan / Equity Term Loan

If your commercial property has appreciated in value over the years, an additional secured cash out property term loan may provide additional working capital for you and your business, subject to bank lending limits and assessments.

  • Part Purchase Fractional Mortgages

Due to a change in situation and needs, borrowers may need to decouple their commercial property loans. Example. Liquidating of company assets.  Borrower A will purchase over borrower B part share of the commercial property. Other scenarios or situations may apply for part purchase mortgages.

  • Alternative Financial Lender

We work with alternative financial lenders to provide business property finance for operating business low in credit score, applicable only for live operating businesses.

  • Indicative Property Valuation Check

If you have would like to conduct an indicative valuation check, kindly text us details of the property like the address, build in area, age of property, property type, types of tenure, remaining tenure, number of storey and asking price.

 

Application Process - Step by Step Guide:

Application Process - Step by Step Guide