Commercial Property Loans
SBI provides financing against commercial properties – be it retail shops, office units or factory warehouses. Contact us today to find out more about our attractive offers in Fixed rates as well as SORA-linked rates.
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Terms and conditions apply.
- Option of floating rates – linked directly to the Singapore Overnight Rate Average (SORA); or fixed rates – providing stability against market fluctuations
- Competitive & Attractive pricing
- Promotional packages available for new purchases, refinancing and equity loans
- Additional benefits: Subsidies for legal fees and valuation fees
- Borrowers must be between the age of 21 – 65yrs
- Singapore Citizens, Permanent Residents and Foreigners may apply
- Minimum income: S$50,000 per annum
- Minimum loan amount is S$250,000
- Minimum property value of S$500,000 for foreigners
Floating Rate : 2 years lock-in floating package :
| Year | 3M Compounded SORA Package (% p.a.) |
|---|---|
| 1 | 3M SORA + 1.25% |
| 2 | 3M SORA + 1.25% |
| 3 onwards | 3M SORA + 1.25% |
FixedRate : 2 years lock-in FIXED Rate package with effect from 04-Jul-2025 :
| Year | Interest (% p.a.) |
|---|---|
| 1 | 2.50% Fixed |
| 2 | 2.50% Fixed |
| 3 Onwards | 3M Comp SORA + 1.25% |
- 3M- 3 Month Compounded SORA Rate
- All Floating rates are pegged to Singapore Overnight Rate Average (SORA) and refreshed accordingly to the frequency compounded. The existing rates are visible at https://eservices.mas.gov.sg/statistics/dir/DomesticInterestRates.aspx
- No processing fee
- Pre-payment/redemption/cancellation fees as applicable (depending on package)
- Application form (filled & signed by all borrowers)
- Copy of NRIC
- Income documents (Income Tax NOA, Payslip, Bank statements, etc.)
- Option to purchase (for new purchase)
- Loan statements from existing bank (for refinancing/ equity loans)
- Tenancy agreement (if applicable & required)
- Walk in to any of our branches to talk to our relationship managers, or
- Email us at loans@sbising.com