Property-backed Loan
Unlock Up to 85% of Your Property’s Value
for Business Growth
Property-backed loans allow businesses to tap into the equity of their residential or commercial properties, providing a valuable source of cash flow for operations, expansion, or new investments.
Access Top Property-backed Loan Offers From Leading Lenders.
How Much Can I Cash Out?
The amount you can cash out depends on three main factors: the loan-to-value (LTV) ratio, your outstanding home loan amount, and the total CPF funds used. Additionally, general regulatory limits—such as the Total Debt Servicing Ratio (TDSR)—may apply. Lenders will also assess your business’s ability to meet future monthly repayments.
Loan-to-Value (LTV) Ratio
The LTV represents the maximum loan a lender can offer based on your property’s appraised value. For example, a 70% LTV on a $1 million property means you may borrow up to $700,000. The higher the LTV, the greater your potential cash-out amount. Refer to the table below for typical LTV limits based on different property types.
As high as
97%*
Approval Rate
As low as
1.85%*
Interest Rate
|
LTV
|
Banks / NBFI | Alternative Lenders |
|---|---|---|
|
Residential
|
75% | 85% |
|
Commercial
|
80-90%
|
70%
|
|
Shop houses
|
80-90% |
70%
|
|
Industrial
|
80-90% |
60%
|
Understand Your Mortgage
