=
Estimated monthly instalment in Year 1 and 2
S$0
Monthly payments in the first two years of the loan, afterwhich, depending on the loan package you obtain, the interest rate may differ.
Commercial Property Loan
Say 'yes' to lower interest rates online
Lock in lower rates to maximise your savings when purchasing or refinancing a business property.
Benefits
Simple loan application
Apply online within minutes.
Apply online within minutes.
Fast loan approval*
Get approval within 72 hours.
Get approval within 72 hours.
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.
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 | ||
|---|---|---|---|
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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
Turnover
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
S$100,000
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
- Repricing fee applies unless stated otherwise in your Letter of Offer.
- Your repricing application is subject to satisfactory conduct of your accounts.
- Our officer will contact you within 2 working days upon submission of our online form.
FAQs
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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