Overseas Property Loan
Expand your property portfolio overseas
Secure financing for properties across major cities in Australia, Japan, Malaysia, the UK and the US.
Secure financing for an overseas property
Obtain a loan amount up to 70% of your property purchase price or current market value (whichever is lower).
Borrow in your preferred currency
Enjoy the flexibility of financing your property in SGD or in the currency of the property location.
Learn more about location-specific overseas loan details.
Other than for Malaysia properties, only properties that are for investment will qualify for this loan.
Australia
Finance the purchase of your property in Melbourne, Perth and Sydney, obtain an equity loan or refinance your existing property loan.
| In SGD | In AUD | |
| Rates info | 3M SGD COF + 2.50% | 3M AUD COF + 2.75% if the Loan to Value (LTV) is up to 50% and 3M AUD COF + 3.25% if the Loan to Value (LTV) is above 50% |
| Minimum loan amount | SGD300,000 | AU$200,000 |
| Maximum loan amount | Up to 55% | Up to 60% |
United Kingdom
Finance the purchase of your property in London, obtain an equity loan or refinance your existing property loan.
| In SGD | In GBP | |
| Rates info | 3M SGD COF + 2.50% | 3M GBP COF + 2.75% if the Loan to Value (LTV) is up to 50% and 3M GBP COF + 3.25% if the Loan to Value (LTV) is above 50% |
| Minimum loan amount | SGD300,000 | £200,000 |
| Maximum loan amount | Up to 55% | Up to 60% |
Japan
Finance the purchase of your property in Tokyo.
| In SGD | In JPY | |
| Rates info | 3M SGD COF + 2.75% | 3M JPY COF + 3.50% |
| Minimum loan amount | SGD200,000 | ¥25,000,000 |
| Maximum loan amount | Up to 60% | Up to 70% |
Malaysia
Finance the purchase of your property in Kuala Lumpur or Johor Bahru.
| In SGD | In RM | |
| Rates info | Year 1 to 5 at 3M SGD COF + 2.50% Thereafter at 3M SGD COF + 3% |
Not applicable |
| Minimum loan amount | SGD200,000 | Not applicable |
| Maximum loan amount | Up to 60% | Not applicable |
USA
Finance the purchase of your property in New York.
| In SGD | In USD | |
| Rates info | 3M SGD COF + 2.75% | 3M USD COF + 3.50% |
| Minimum loan amount | SGD300,000 | US$200,000 |
| Maximum loan amount | Up to 70% | Up to 70% |
Step 1
Prepare your documents
- NRIC / passport
- Latest Notice of Assessment
- Payslips for the last 3 months, if employed
- For property purchase: Reservation Form / Booking Form / Contract For Sale
- For loan refinancing: Latest loan statement loan outstanding, and insurance policy on your property. If your existing loan is with not with a bank in Singapore, submit 12 months account repayment history
Step 2
Apply for a loan and accept your loan offer
Step 3
Accept your loan offer
After your accept the Letter of Offer, you can expect the following:
- We will appoint our panel law firm overseas to handle the legal conveyancing. You will bear the legal cost.
- You will be contacted by the value regarding inspection of your property before loan disbursement.
- You will receive our letter advising disbursement. Monthly instalments will also commence.
Eligibility requirements
Minimum age
21 years old
Nationality
Singaporeans, Singapore PRs and foreigners employed and residing in Singapore
Minimum loan amount
SGD300,000 or $200,000 in foreign currency for Australia, United Kingdom, USA
SGD200,000 or JPY25,000,000 for Japan
SGD200,000 for Malaysia
Additional information
ABS Guide: The Association of Banks in Singapore and MoneySENSE guide, "What You Should Know About Housing Loans - Key Questions to Ask The Bank Taking a Housing Loan" is available and you are encouraged to read it before committing to a residential property loan.
Apply for an OCBC Overseas Property Loan today
or contact us at +65 6363 3333.