Should I apply if I haven’t decided on the property to purchase?

We will process your application based on the information you provide. To speed up your application, you are highly encouraged to apply with the address, floor size, valuation or price of the property so that we can quickly give you a conditional offer for your consideration.

Are there any other fees I should be prepared for?

We provide legal and valuation subsidies which amount to a substantial amount of savings. Our relationship manager will explain the benefits and terms after you’ve submitted your application.

Are there any fees for repaying my loan earlier?

If you choose to refinance your loan within the lock-in period, there will be some charges. For details, contact your relationship manager.

Can I buy or refinance an overseas property?

Absolutely! Contact us so we may assist you with your business expansion plans.

Industrial & Commercial Property Loan, Save Up to S$1,000 with a Fee Waiver

Commercial Property Loan

Get up to 90% of your property value when
you finance or refinance your property with us

Commercial Property Loan

Get up to 90% of your property value when
you finance or refinance your property with us

At a Glance

Looking for a new office or factory to expand your business? Or require more business capital to boost your cash flow needs?

Boost your capital!

Get up to 90% of your property value and up to 100% of your business renovation cost when you finance or refinance your property with us. Learn more about Eco Renovate loan that provides access to financing on renovation works which incorporates sustainable materials, fixtures or equipment here.

Loan amount is approved based on the bank’s assessment.

Competitive interest rates in the market

Enjoy competitive interest rates in the market when you apply today.

Flexible loan packages

In addition to the fixed rate loan promotion package, you also have the option of a SORA*-pegged loan package if it suits your business needs better.

Take up to 25 years to repay

Enjoy a flexible repayment period of 1 to 25 years.

Try our commercial property loan calculator below to estimate your monthly payments.

* SORA (Singapore Overnight Rate Average ) is the average rate of all interbank lending transactions made in Singapore between 8am and 6.15pm. It is published by 9am the next business day on the MAS (Monetary Authory of Singapore) website.

Find out what is SORA and how it will apply to Business Property Loan. Click here

Learn more about the interest rate benchmark reform, including SORA.

Calculate your commercial property loan affordability

Loan Packages

Fixed rate package	SORA-pegged package
Fixed rate for the first 2 years	3-month compounded SORA rate^{^} as published by the Monetary Authority of Singapore
Fixed instalments for the first 2 years	No repapering of loans in the future when SORA becomes the standard interest rate

^{^}This is computed by compounding the daily published SORA rate over the historical 3-month period.

How it works

Submit your application online

View this application checklist for supporting info you may need to prepare.

Inform guarantors about your application

We will email your guarantors to endorse your application.

Expect a call from our relationship manager

Once your application is received, our relationship manager will contact you with a conditional offer.

Track your application status

Upon submission, you’ll also receive an email with details on how to check updates about your application.

Review the offer and sign the agreement

When everything is in order, you’ll receive the final offer for your sign-off.

Application checklist

If you apply using ACRA or MyInfo Business, we can retrieve most of the required information so most businesses do not need to provide financial documents. However, additional information may be required on a case-by-case basis.

Additional information you may need to prepare are:

Address, floor size, and tenure of property
Valuation or price of property
Option to purchase, if available
Latest 2 years financial statements
Latest 3 months bank statements
Not required if DBS is your main operating bank

Frequently asked questions

	Should I apply if I haven’t decided on the property to purchase?
	We will process your application based on the information you provide. To speed up your application, you are highly encouraged to apply with the address, floor size, valuation or price of the property so that we can quickly give you a conditional offer for your consideration.

	Are there any other fees I should be prepared for?
	We provide legal and valuation subsidies which amount to a substantial amount of savings. Our relationship manager will explain the benefits and terms after you’ve submitted your application.

	Are there any fees for repaying my loan earlier?
	If you choose to refinance your loan within the lock-in period, there will be some charges. For details, contact your relationship manager.

	Can I buy or refinance an overseas property?
	Absolutely! Contact us so we may assist you with your business expansion plans.

	Can I finance the renovation works done on my property?
	Yes. You can enjoy up to 100% financing of your renovation costs with our Eco Renovate loan bundle when you finance or refinance your property with us. Eco Renovate Loan provides financing for renovation works which incorporates sustainable materials, fixtures or equipment. Read more here.

Commercial Property Loan