Bank Financing
Industrial Property Loan & LTV Guidelines
Financing options for owner-occupier businesses and property investors.
Indicative Bank LTV Ratios
Owner-Occupier Business PurchaseLTV depends on company financial strength, turnover, and director guarantees. There is no fixed MAS LTV cap on industrial loans — each bank sets its own.
Investment / Holding Company PurchaseIndicative LTVs are typically lower for investment or rented-out units. Many banks prefer or require purchase through a company, with director guarantees.
Tenure & TDSR NotesLoan tenure is sized against the remaining lease with a 5–10 year buffer, so the 33-year lease shortens the loan term. TDSR (55%) applies to individuals and sole proprietors, not companies. CPF cannot be used for industrial purchases.
Indicative market ranges only, not offers. Confirm with IRAS and your bank.
Launch Updates
Request a Banker Assessment
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