UOB Business Property And Equity Loan

  • Own your business property with the lowest down payment required.Own your business property with the lowest down payment required.

    Own your business property with the lowest down payment required.

    Apply now with only 10% down payment required – the lowest in Singapore, and get an approval status as fast as 1 business day^.

    ^Terms and conditions apply

    Apply now

Benefits

Lowest down payment required

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1-Day^ Loan Decision Service Guarantee

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High loan quantum, low interest rates

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  • With only 10% down payment required – the lowest in Singapore, you can own your business property from just S$65K* and be able to direct more cash resources into growing your business.

*Calculation is based on average loan amount of S$650,000.

  • Fast turn around within 1 business day , with an SMS updates on the status of your loan applications.
  • Receive an approval status on your loan application via SMS as fast as 1 business day^

^Terms and conditions apply 

  • For new industrial / commercial property purchase
    • Get financing of up to 90% of your property value or purchase price for your mortgage.
    • With a short lock-in period, you have the flexibility to exercise your refinance option with competitive and attractive interest rates available in the market.
  • For loan refinancing
    • Leverage on your existing commercial property as equity collateral to get extra funds for your business needs.
    • Up to 100% of your business property value can be used to cash out as extended loan when you refinance with us.
  • Attractive financing options with fixed rates, board rates or SIBOR rates.
  • Competitive loan tenor durations and subsidies for legal and valuation fees are available

Calculators

Buy vs Rent Calculator

 

Is it better to buy or rent your commercial property? Calculate to find our which option provides you with more savings over time.

Rental information
 
Monthly rent 
 

Includes the sum paid as rent or hire for the use of furniture where premises are let furnished or where premises are let and the furniture therein is hired by the landlord to the tenant.

(<= S$100 Million)
Please enter a valid value.
 
Intended period of stay 
 

The period in which you intend to use or hold the property for your business or investment needs.

(1 year to 30 years)
Please enter a valid value.
Property loan information
 
Purchase price 
 

The purchase price should less off any discounts, rebates, or other benefits offered by the developer or any other party.

(<= S$100 Million)
Please enter a valid value.
 
Interest rate 
 

The interest rate that the bank charges on the property loan.

(1%-5%)
Please enter a valid value.
 
Loan tenure 
 

The tenure of the property loan, capped at 30 years.

(1 year to 30 years)
Please enter a valid value.
Calculate
Market forecast 
Purchase/Sale fees 
Other rental costs 
Maintenance fees 
Savings summary

Please enter your Rental and Property Loan information to continue.

Renting is the better option

Buying is the better option

There would be savings of9,628,859over 15 years if you RENT a Property

Find out how a business loan can help finance your property rental needs.

To find out how you can finance your property, request for a callback from us now.

Request callback
There would be no difference in cost between buying and renting a property for X years. Nevertheless, talk to us today to find out how to finance your ownership of the property that would be worth Y.
Cost after 15 yearsRentBuy
Set up costs8,000102,053
Downpayment/Deposit4,00034,851
Agent fees4,000261
Legal fees 2,500
Mortgage duty 500
Buyer stamp duty 1,743
GST 12,198
Initial renovation 50,000
Running Costs4,000371,958
Rent Payments965,813.73 
Mortgage Payments-789,064
Property Tax 90,000
Maintenance Costs 12,000
Facilities Fees 54,000
Opportunity Costs4,0005,701
Set Up1512,174
Running Costs3,4475,926.69
Net Proceeds 164,024
Proceeds from sale412,14810,000
Seller Stamp Duty  
Agent Fees 1,393
Legal Fees 2,500
Total Cost16,000315,687

To help you make your decision if you should buy or rent a property, click here to find out more.

Business Property Loan Affordability Calculator

 

 
Property value (100,000 - 999,999,999)
Please enter a valid value.
 
Loan amount (80,000 - 99,999,999)
Please enter a valid value.
 
Loan tenure (5-30 years)
Please enter a valid value.
 
Interest rate (1-5)
Please enter a valid value.
Calculate
Repayment summary

Please enter the mortgage information to continue.

The estimated repayment amount would be:

4,553

Based on your input, plan ahead by getting a loan repayment schedule done up for you.

To find out more about above, simply have us call you at your convenience. Request a callback from us.

 

The computation above is for indicative purposes only. The Bank accepts no liability for errors or omissions, nor for any loss arising from use of or reliance on the calculation herein.

How to Apply

Step 1

Get in touch with us by filling up the Call Back form. We will contact you within 24 hours~

Step 2

Complete the loan application form, submit the documents required

, and receive an approval status via SMS as fast as 1 business day^

If support is needed, our loans specialists are available to walk you through on this process and assist in finalising your application.

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Step 3

A formal loan approval will be given and funds will be ready for disbursement upon completion/fulfillment of all conditions precedent+.

+ Terms and conditions of the applicable Letter(s) of Offer apply.

Documents required, include, without limitation, the following*:

  • Company’s last 6 months’ bank statement
  • Company’s financials (in any)
  • Photocopy of NRIC/Passport for all applicants and owners
  • Latest tax assessment for all guarantors

* This list is not exhaustive. The Bank may request for such further documents and information as the Bank may so require at its discretion at any time.

Eligibility & FAQs

Eligibility

 

  • Singapore registered entities (sole proprietor, partnership or private limited company)
  • Registered and operating in Singapore
  • Minimum 3 years of business operations

FAQs

UOB Business Property Loan provides financing option for SMEs looking to purchase industry/commercial property or refinancing their existing industry/commercial property loans with other banks.

The UOB Property Loan aims to help SMEs expand their business via property purchases or improve business cash flow via providing a cash out option through  the property.

You may use our Business Property Loan Affordability Calculator to find out the indicative monthly installment payment of your business and commercial property loans.

Our UOB buy vs rent calculator aims to illustrate the potential cost involved in buying a property, as compared to renting. The results and information provided can be used to evaluate options available for business  cost savings. The computation above is for indicative purposes only. The Bank accepts no liability for errors or omissions, nor for any loss arising from use of or reliance on the calculation herein.

We offer attractive SIBOR pegged packages, internal board rate packages and fixed rate packages, to suit your finanancing needs.


To understand more, please leave your contact details here, and one of our sales specialists will contact you soon.

~For enquiries that reach UOB within the Stipulated Timing, we will contact you by the next Business Day with an indicative loan amount that you may apply for. “Business Day” is defined as Mondays to Fridays (Singapore date and time, and excluding Singapore public holidays). “Stipulated Timing” is defined as 8am to 8pm from Mondays to Saturdays (Singapore date and time, and excluding Singapore public holidays). For enquiries that reach UOB at times other than the Stipulated Timing, we will contact you within two Business Days after UOB receives your enquiries, with an indicative loan amount that you may apply for. Full product terms and conditions apply. The quote of the indicative loan amount is based on the information provided by the customer and does not constitute an offer, an invitation to offer, a solicitation or recommendation to enter into or conclude any transaction, and the quote of the indicative loan amount is not a contractual agreement by UOB to provide the UOB Business Property Loan or any other products/ services to the customer. Accordingly, the actual approval of the UOB Business Property Loan application is subject to the submission of the required full and complete documentation as UOB may so require at its discretion and UOB’s credit assessment. UOB has the absolute right and discretion to decide, for whatever reason and without prior notice and without being liable to any person, whether to approve the customer’s application for the UOB Business Property Loan and whether (i) to grant (or not to grant) the customer the amount of the UOB Business Property Loan requested for in the customer’s application form; or (ii) to grant the customer a lower amount from the amount of the indicative loan amount quoted or from the amount of the UOB Business Property Loan requested for in the customer’s application form.

^Terms and conditions governing the "Next Business Day Response" program apply.
Click here for full terms and conditions.

  

Documents required

  • Company’s last 6 months’ bank statement
  • Company’s financials (in any)
  • Photocopy of NRIC/Passport for all applicants and owners
  • Latest tax assessment for all guarantors

* This list is not exhaustive. The Bank may request for such further documents and information as the Bank may so require at its discretion at any time.