Commercial Business Property Loan | OCBC Business Banking SG

Commercial Property Loan

Say 'yes' to lower interest rates online

Why you will love this

Enjoy fast loan approvals

Opt for the green loan and save more

More financing options to suit your business needs

Who can apply

Any locally incorporated business that is at least 15 months

At least 30% of the company is owned by Singaporeans / PRs

Company turnover must be less than or equal to S$20 million

Lock in lower rates to maximise your savings when purchasing or refinancing a business property.

Simple loan application

Simple loan application

Apply online within minutes.

Apply online within minutes.

Fast loan approval*

Fast loan approval*

Get approval within 72 hours.

Get approval within 72 hours.

Comprehensive loan packages

Comprehensive loan packages

Choose from 2 loan packages and borrow up to 80% of your property purchase price or valuation.

Choose from 2 loan packages and borrow up to 80% of your property purchase price or valuation.

Loan types

Commercial Property Loan

Looking to buy or re-mortgage a commercial property? Benefit from lower rates when you apply online with us.

Ready to start?
Submit your application online.

Green Commercial Property Loan

Looking to go green and save? Your energy-efficient commercial property can help you save on both electricity bills and interest rates.

Not sure how?
Qualify right away when your commercial property is located in a BCA Green Mark GoldPLUS or Platinum building.

Apply now

Assess the energy efficiency of your commercial property and learn ways to retrofit your property for energy savings.

Assess now

How much financing can you get?

Find out how much you can borrow based on your property purchase price, loan amount and tenure using our OCBC loan calculator.


5 years
30 years

Estimated monthly instalment in Year 1 and 2


Enquire Online

Monthly payments in the first two years of the loan, afterwhich, depending on the loan package you obtain, the interest rate may differ.

Disclaimer / Important Notice
This is not a financing offer from OCBC Bank. The computations shown are based on the information provided by you. These computations are intended to give an indication of repayment information based on certain loan parameters, and are provided solely for reference only. Actual interest rates may differ and may be higher than what is shown here. We hereby disclaim any responsibility for any errors or omissions in the computations or past transaction values reflected. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of relying on the computations and/or past transaction values reflected. For the applicable terms and conditions of any financing offer made to you by OCBC Bank, please refer to the relevant Letter(s) of Offer issued.

commercial property loan packages

Choose the package that suits your needs best.

  • OCBC 2Y fixed rate
  • SORA-pegged package
OCBC 2Y fixed rate SORA-pegged package
Protects you from rate fluctuations for the first 2 years
Cashflow certainty with fixed instalments for the first 2 years
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1-month compounded SORA rate^ as published by the Monetary Authority of Singapore

^This is computed by compounding the daily published SORA rate over the historical 3-month period.
Free switch to another pricing package after the first year (for new loans only).
Read more less
Already have an exisitng Commercial Property Loan?

Contact us to lock in lower rates now if you are nearing the end of your lock-in period.

I am looking to

If you have an existing Commercial Property Loan from another bank, you may choose to refinance it with us. Here are some common reasons why people consider refinancing:

  • Lower your monthly payments
  • Enjoy more favourable terms on your loan
  • Tap on your property’s equity to acquire funds for business needs or add new commercial properties to your growing portfolio

If your existing OCBC Commercial Property Loan is nearing the end of its lock-in period, you may secure a new OCBC Commercial Property Loan and enjoy these benefits:

  • Greater savings on your monthly instalments
  • No paperwork and legal fees associated with refinancing
  • Switch to another loan package that suits your current needs

Before you apply

Eligibility requirements

Business registration
The company must be locally incorporated for at least 15 months
Business ownership
At least 30% of the company must be owned by Singaporeans / PR
The company’s turnover must be less than or equal to S$20 million

Terms and conditions

*Loan approval within 72 hours is subject to the relevant terms and conditions, a satisfactory credit assessment and all forms and supporting documents having been duly completed and submitted. Please note that delays or non-approvals of applications may occur for various reasons.

Before you apply

Eligibility requirements

Lock-in period

From 3 months before the end of your lock-in period

Minimum remaining loan amount


Minimum remaining loan tenure

5 years

Terms and conditions

*All forms and supporting documents must be duly completed and submitted. All loans are subject to satisfactory credit assessment.

Additional information

  1. Repricing fee applies unless stated otherwise in your Letter of Offer.
  2. Your repricing application is subject to satisfactory conduct of your accounts.
  3. Our officer will contact you within 2 working days upon submission of our online form.

Common questions
What is the maximum tenure for commercial property loan?

The maximum tenure is 30 years.

What is the maximum loan amount for commercial property?

The maximum loan amount is $5 million.

Can I use CPF to buy a commercial property?

Unlike residential properties, you will not be able to use your CPF funds to fund the purchase of an industrial (warehouse or factory), retail or office unit.

What is the BCA Green Mark Scheme and which buildings have been awards Green Mark or Green GoldPLUS, Platinum and SLE by BCA?

Please visit the Green Mark Buildings Directory - SLEB to view the full list of buildings.

or call us at 1800-BIZLOAN (1800-2495626).

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