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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 attractive rates on your Commercial Property Loan
Finance or refinance your commercial property with up to 120% of its value
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.
Choose between a fixed rate or SORA-pegged package
Enjoy attractive rates and access up to 120% financing when you use your property loan to grow your business.
Enjoy attractive rates and access up to 120% financing when you use your property loan to grow your business.
Loan types
Commercial Property Loan
Looking to buy or re-mortgage a commercial property? Benefit from attractive rates when you apply online with us.
Ready to start?
Submit your application online.
Unlock working capital with your commercial property
Already have a commercial property loan with us? You may be eligible to unlock additional financing of up to 120% of your property’s value through a combination of loan and overdraft facility.
Request a call back
Green Commercial Property Loan
Looking to go green and save? Your energy-efficient commercial property can help you save on electricity bills and enjoy attractive interest rates on your loan.
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. This calculator estimates Commercial Property Loan only. Overdraft financing is assessed separately.
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 Package
Enjoy attractive rates on your commercial property loan when you choose between a fixed rate package or a SORA-pegged package.
SORA (Singapore Overnight Rate Average) is the volume-weighted average rate of borrowing transactions in the unsecured overnight interbank SGD cash market in Singapore, between 8am and 6.15pm. SORA takes into consideration the total monetary value of actual transactions by banks in Singapore.
- SORA-pegged package
| SORA-pegged package | Fixed rate 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
*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.
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.
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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.
Disclaimer / Important Notice
You may be directed to third party websites. OCBC Bank shall not be liable for any loss suffered or incurred by any party for accessing such third party websites or in relation to any product and/or service provided by any provider under such third party websites.
The information provided herein is intended for general circulation and/or discussion purposes only. Before making any decision, please seek independent advice from professional advisors. No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake any obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein. Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.
How can I access additional financing with my commercial property?
If you have an existing Commercial Property Loan (CPL), you can enhance it by applying for additional financing through an overdraft secured on the same property - allowing you to borrow up to 120% of the property's value.
For example, if your property is valued at S$1 million and your outstanding loan is S$700,000, you may unlock up to S$500,000 in additional financing.
Is the additional financing secured against the same property?
Yes, it is secured against the same property under your existing commercial property loan.
What are the interest rates for the overdraft?
The indicative pricing is between the range of 3-6%, offering a more competitive alternative to unsecured rates.
How fast can I access the additional financing?
For new property purchase, the additional financing can only be drawn down after the disbursement of the commercial property loan. For existing commercial property loans, the additional financing can be drawn down after it has been approved.
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