Commercial Property Loans for Individuals in Singapore

Buying or refinancing a commercial property in your personal name? Loan$upermart helps you compare available bank financing and understand the documents, cash requirements and repayment terms.

How much can you borrow?

The loan amount depends on the bank’s assessment of your income, existing debts, property valuation, remaining lease and property type. An advertised financing percentage is not a guaranteed approval or a fixed cash requirement.

Individuals are generally subject to a 55% Total Debt Servicing Ratio (TDSR) threshold, with the lender applying the relevant assessment rules and any applicable exemptions.

What cash and costs should you allow for?

CPF housing savings cannot fund a purely commercial property purchase. Budget for the cash portion not financed by the bank, stamp duty, legal and valuation fees, and GST where applicable. Allow for ongoing property tax, maintenance and periods without rental income.

Read our commercial property loan checklist before choosing a package. If the borrower will be a business, see commercial property loans for companies.

Request a free, no-obligation comparison. Approval and final terms remain subject to the lender.