Services

Home Loans / Housing Loans (New Loans and Refinancing)- Completed and Uncompleted Homes

We provide various packages and rates that will surely cater to your needs and requirements. We can assist you with the following types of properties:

HDB flats
Condominiums
Private landed properties

Commercial and Industrial Property Loans (New Loans and Refinancing)

We provide financing for the following types of commercial and industrial properties:

Commercial shops
Commercial offices
HDB shophouses
Industrial factories
JTC factories

Cashing Out or Equity Loan- Unsold Property

What is a cash out or equity loan?

Equity loans, commonly known as 'cash out', refers to obtaining additional funds from a property. For example, if a property is fully paid up, the owner may choose to re-mortgage it with the bank for a loan. The bank will assess the property and grant the loan accordingly.

Calculate How much cash out can I get from my property?

You can obtain up to 80% of the value of the property. For example, if the value of the property is at S$1,000,000 then the maximum amount of equity loan is S$800,000.

Consider the same scenario with an outstanding property loan of S$300,000 on the property, the maximum amount of equity loan would beS$500,000*

TheminimumloanamountisS$100,000.
* Conditions apply

LTV (Loan To Value)
	Based on MAS regulations, Banks and Financial Institutions can lend up to 80% of the valuation of the purchase price or valuation of the property (whichever is lower) for your first property and up to 60% for the subsequent properties. For example, Tom purchases his first property at S$1,000,000 which is valued at S$950,000. The maximum loan amount he can apply for is S$760,000 (80% x S$950,000).

To apply for cash out on your property

Renovation Loan

Are you thinking of giving your home a makeover? We understand the phrase "Home is where the heart is " and your need to have your own home done up exactly like your dream home. Achieving the design of your dream home is now a breeze with the flexibility of monthly repayments.

We offer various renovation loans that will surely cater to your needs and requirements.

Business Financing
Whether you are looking for additional working capital or to expanding your business, we provide the following business facilities to help you fulfil your needs:
Business Loans
To meet your daily business needs, we offer business loans with the following attractive benefits :
	Unsecured (No collaterals required)
	Fast approval
	Attractive and affordable rates
	Up to a maximum of S$500,000

Bridging Loans
We provide bridging loans for your working capital needs. Every customer will be designated with our dedicated consultant to address your business loan queries and render advice accordingly to your needs.

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Latest Updates --- Property Loans

Interest rate for Residential property BUC

Package 1- 0 Years Lock In
1.22% year 1, Var(Sibor+0.5%)
1.27% year 2, Var(Sibor+0.55%)
1.32% year 3. Var(Sibor+0.6%)

Package 2- 0 Year Lock In
1.40% year 1, Var(FDPR+0.75%)
1.50% year 2, Var(FDPR+0.85%)
1.50% year 3. Var(FDPR+0.85%)

Interest rate for Residential property Completed

Package 3- 2 Year Lock In
1.37% year 1, Var(Sibor+0.65%)
1.42% year 2, Var(Sibor+0.7%)
1.47% year 3. Var(Sibor+0.75%)

Package 4 ~ 1 Years Lock in
1.41% year 1, Var(1MSibor+0.7%)
1.41% year 2, Var(1MSibor+0.7%)
1.41% year 3. Var(1MSibor+0.7%)

Interest rate for commercial property under operating company

Package 1- 2 Years Lock In
1.68% year 1, Var
1.98% year 2, Var
2.28% year 3. Var

Package 2- 1 Year Lock In
1.98% year 1, Fixed
2.38% year 2, Var
3.48% year 3. Var

Package 3- 2 Year Lock In (Owner Used)
1.68% year 1, Fixed
1.88% year 2, Var
6.00% year 3. Var

Under personal name

Package 1 ~ 1 Year Lock In
2.18% year 1, Fixed
2.38% year 2, Var
3.48% year 3. Var

Package 2 ~ 2 Years Lock in
2.18% year 1, Var
2.48% year 2, Var
2.78% year 3. Var

Property Summary

	Latest Property Cooling Measures Summary - 11th March 2017 Loan to Valuation Limit from 12 Jan 2013

	For 1st property loan: 80%, for 30yrs or up to age 65. 60% for exceeding 30yrs or 65 years old. For 2nd property loan: 50%, for 30yrs or up to age 65 yrs old. 30%, for exceeding 30yrs or 65 years old For 3rd property loan onwards: 40% for 30yrs or up to age 65 yrs old. 20%, for exceeding 30yrs or 65 years old


	Additional Buyer Stamp Duty from 12 Jan 2013

	For Citizen: 0% for 1st property, 7% for 2nd property, 10% for 3rd and subsequent property For PRs: 7% for the 1st property, 10% for 2nd and onwards purchase. For Foreigners and Non-individuals: 15% from 1st property onwards. MSR Vs TDSR Computation MSR For HDB Flat Loan = 30% TDSR For Private Residential Property = 60% Loan Tenor Available HDB Loan - Maximum 25 Years Bank Loan - Maximum 30 Years Seller Stamp Duty - Latest 11 March 2017 Property Sold Within Year 1 - 12% Property Sold Within Year 2 - 8% Property Sold Within Year 3 - 4% TDSR Not Applicable If - Latest 11 March 2017 Asset Rich Property Owners not subjected to TDSR if Mortgage Equity Withdrawal Loan to Loan -To-Value does not exceed 50% of Valuation ! Cash-Poor Retirees or Asset-Rich able to use residential properties as collateral to get cash. Free Advise & Call Us 94551263 Singapore Citizen Vs Singapore PR Buying HDB Flat Singapore Permanent Resident (SPR) Households with no Singapore citizen owner, need to wait three years from the date of obtaining SPR status, before they can buy a resale HDB flat.

TESTIMONIALS

"Thank you for helping me in Getting Money out from my property Without me having to move out and sell it ! If I have not know this website, I would have missed a lot of opportunity" - Daniel - Engineering Analyst

"Your Sincerity in helping me to SAVE MORE MONEY on top of my housing loan savings when refinancing by negotiating a Lower legal fees on conveyancing and Housing Loan interest rates than if I were to negotiate with the Lawyer and Banker myself. I Need Not have to pay anything to the Lawyer." - Mdm Koh -Training Consultant

"With over more than 40 types of banks' housing loan interest packages around to choose, Only Your Housing Loan Analysis System can help me make a Decisive decision on my home loan package needs based on my own risk and rewards profile which your System is the only One in Singapore that provide this service " - Linda Kwek - Foreign Bank Banker

"Your experience in structuring property loan help me to maintain the quality of my lifestyle in retirement and also solve my problem in getting infinite monthly income without me having to sell my house and depend on my children for living expenses - Mr Lim -Retired Teacher "

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