COMMERCIAL PROPERTY FINANCING IN SINGAPORE
Commercial Property Loan Calculator Singapore
Estimate your monthly repayments and upfront purchase costs. Adjust the figures to explore a financing scenario for your business.
For initial planning and guidance only. Banks and funders use different methods; confirm actual terms with your lender or Bizsquare.
Estimate your commercial property loan
Adjust the property and financing details to see how your estimated repayments change.
Your property and loan details
Estimated monthly repayment
per month · principal and interest
Assumed loan amount
Purchase price balance
Interest to facility maturity
Total payments, including any balloon
Planning estimate only, not a financing offer or approval. Banks and funders may calculate repayments differently. Confirm actual terms with your lender or Bizsquare.
Explore higher-rate scenarios
Each row shows the regular monthly payment based on that constant rate and your repayment basis. It excludes any balloon. These are separate scenarios, not the main repayment schedule. Not a forecast or regulatory stress test.
Assumes a fully disbursed loan with monthly principal-and-interest payments. Optional balloon mode pays the remaining debt at the selected facility maturity. Interest-only and progressive-disbursement facilities are not modelled. Actual daily-interest conventions, repricing, fees and payment dates may change lender results.
Your valuation is below the purchase price. The difference increases the purchase price balance you must fund.
Your repayment, at a glance
See how your repayments are split and how the outstanding loan balance changes over time.
Remaining loan balance
Annual repayment mix
Repayment schedule
Review your estimated principal, interest and remaining balance by year or month.
Estimated payments from the first repayment month. These are relative month numbers, not calendar due dates. Your lender’s actual schedule may differ.
| Year | Principal | Interest | Balance |
|---|
Scroll the table sideways on a small screen to see all columns. Highlighted rows mark a rate change or a balloon at maturity. The payment column includes the balloon, if any.
| Month | Rate p.a. | Payment incl. balloon | Balloon included | Principal | Interest | Balance |
|---|
Print includes the displayed page only. Download the CSV for the complete month-by-month schedule.
Monthly interest and regular payments are rounded to cents (half-up). Principal is payment less interest, so displayed rows and balances reconcile. The final payment clears any rounding residual and includes any balloon. Fees, taxes and ownership costs are excluded. Actual lenders may use other conventions.
Need help making sense of your property financing options?
Discuss your property, business profile and repayment requirements with Bizsquare.
Compare two financing scenarios
Save the current loan inputs as Scenario A, then adjust the calculator to create Scenario B. Comparison covers loan repayments only, excluding acquisition and ownership costs.
No scenario saved yet. Your saved scenario stays in this page only.
Estimate upfront purchase costs
Tax totals are unavailable for mixed-use or unconfirmed property classifications. Have the residential and non-residential portions assessed. Repayment estimates remain available.
Seller GST status and transaction treatment matter. Confirm with your conveyancer.
For a new mortgage instrument using the modelled principal as the secured amount. Confirm instrument type and secured amount with your conveyancer. No relief or previously paid duty assumed.
Purchase-price deposits only. Do not include taxes or fees already paid.
Covers only the items shown, before any deposit already paid. No assumption of GST financing or recovery. Enter fee amounts inclusive of any applicable GST. Check that legal, registration, valuation, facility, documentation and other applicable transaction charges are covered without duplication. Ongoing ownership costs are estimated separately below.
Estimate monthly ownership costs
Optional budgeting inputs, not tax calculations. Enter your own amounts. Annual property tax is not calculated from the purchase price.
Annual bills are averaged monthly for budgeting; actual payment timing differs. Include applicable GST in your amounts. No rental income, tax deductions or GST recovery is offset.
A PRACTICAL GUIDE TO COMMERCIAL PROPERTY FINANCING
Understand the loan behind the property purchase
What is a commercial property loan?
A commercial property loan helps finance business premises such as an office, shop, factory or warehouse. The property usually secures the loan. Before choosing a facility, consider the property, the borrower’s financial position and the cash your business will need after completion.
Compare the whole loan package
Compare the initial interest rate and what happens afterwards. A fixed introductory rate can expire; a floating package can change with its benchmark and margin. Check the repayment period, facility maturity, lock-in period, early-repayment charges and any conditions attached to subsidies. A lower first-year instalment alone does not establish the lowest overall cost.
Budget for upfront and ongoing property costs
Your monthly loan repayment is only part of the budget. Review the purchase price balance, Buyer’s Stamp Duty, applicable GST, mortgage duty, legal costs, valuation fees and other transaction expenses. Unknown or omitted items can make an estimate incomplete.
IRAS calculates Buyer’s Stamp Duty on the higher of the purchase price or market value. Non-residential rates are progressive, with a top marginal rate of 5%, rather than a flat 5% charge on the whole property value. See the IRAS Buyer’s Stamp Duty guidance. Mixed-use properties require separate consideration of their residential and non-residential components.
Confirm the transaction’s GST treatment before selecting an option in the calculator. Ongoing ownership expenses may include property tax, maintenance, insurance and other recurring costs. Enter your own estimates or quotations; the calculator does not establish tax liability or entitlement to recover GST.
Check cash flow and plan for maturity
Test whether your business can meet the property repayment alongside existing debts and operating expenses. Allow for higher interest rates, unexpected repairs and, where rental income is involved, vacancy periods. A longer repayment basis can reduce the monthly amount while increasing total interest. Check how any balloon balance will be settled rather than assuming refinancing will be available.
Repayment period and facility maturity can differ. If you select earlier maturity, regular repayments still use the longer repayment basis, but the remaining balance becomes a balloon payment at the chosen facility end date. Refinancing or renewal is not guaranteed.
Financing amount and your cash contribution
The advertised financing percentage is not an approval. Ask which valuation the lender will accept, how much it will lend and which costs you must fund separately. Keep the purchase balance, transaction expenses and a working-capital reserve in your budget. If an offer bundles a property loan with an overdraft or another facility, assess each facility’s rate, fees and repayment terms separately.
How rates and repayment periods affect your budget
The calculator uses a reducing-balance model: each monthly payment covers interest on the outstanding balance and repays part of the principal. It converts the annual rate into a monthly rate and spreads repayment across your selected period. At a constant rate, the regular payment stays broadly level while the interest and principal portions change.
A longer repayment period generally lowers the monthly payment but increases total interest if the loan amount and rate remain the same. A shorter period generally does the reverse. The higher-rate scenarios help you assess a different budget; they are not forecasts or regulatory stress tests.
Prepare for a lender’s assessment
Have the property address, floor area, tenure, price or valuation and available purchase documents ready. The lender may also request financial statements, bank statements and information about the business and guarantors. Requirements vary by lender and application; obtain its current checklist before submitting documents.
Why your lender’s quotation may differ
Each bank or funder applies its own assessment and facility terms. The accepted valuation, approved loan amount, rate structure, fees, payment dates and daily-interest conventions can change the outcome. This tool does not model progressive disbursement or interest-only facilities.
Use the results for initial assessment and information only. Confirm the repayment schedule, any balloon amount, lock-in conditions and charges directly with your lender before making a commitment.
How to use this commercial property loan calculator
Plan the monthly repayments and purchase budget for a commercial property in Singapore. Use the calculator above to explore a financing scenario, then compare the estimate with a lender’s written quotation.
- Choose your starting point. Use Purchase planning if you have a property price, or Repayment estimate if you already know the loan amount.
- Enter the property figures. Enter the price excluding GST. Adjust the valuation if it differs. The assumed loan uses the lower of these two figures and your selected financing percentage.
- Set your repayment assumptions. Enter the annual interest rate and repayment period. Use the optional controls only if you want to model a later rate or an earlier facility maturity with a balloon payment.
- Review the full budget. Check repayments, higher-rate scenarios, upfront costs and monthly ownership expenses. Save Scenario A before changing inputs to compare two financing options.
- Keep a record. Browse the annual or paginated monthly schedule. Download the complete monthly CSV or a branded PDF summary for your discussion with Bizsquare.
Commercial property loan repayment example
For a purchase price and valuation of S$1,500,000, an assumed financing percentage of 80% gives a loan of S$1,200,000. At a constant annual interest rate of 3.5% over 25 years, the estimated monthly principal-and-interest repayment is:
S$6,007.48 per month
Illustrative example only. Not a lender quotation or financing offer.
The purchase price balance is S$300,000 before taxes, fees and other acquisition costs. This example assumes a fully disbursed loan, no rate changes and no earlier balloon maturity. The final repayment may differ slightly because of rounding. The example values are not advertised market rates or approved borrowing limits.
How Bizsquare can help with property financing
Explore Bizsquare’s property loan financing services or discuss your property and business profile with our team. Bring your estimate and any lender quotation so the discussion can cover both repayments and the wider purchase budget.
YOUR QUESTIONS, ANSWERED
Commercial property loan calculator FAQs
Clear answers to common questions about your commercial property loan estimate.
How do I estimate commercial property loan repayments in Singapore?
Enter the loan amount, annual interest rate and repayment period in Repayment estimate mode. If you are starting with a property price, use Purchase planning to calculate an assumed loan first. Review the monthly result and repayment schedule together.
Why do the purchase price and valuation matter?
They serve different purposes. This calculator bases assumed financing on the lower of price or valuation. Buyer’s Stamp Duty uses the higher figure. A lender’s accepted valuation and approved financing terms may differ from your inputs.
Does the monthly repayment include stamp duty, GST and legal fees?
No. The main monthly figure covers loan principal and interest. Review the separate upfront purchase costs section for acquisition expenses and the ownership costs section for recurring expenses. Check any items marked unknown or excluded.
What happens if the interest rate increases?
A higher rate generally increases repayments for the same balance and remaining repayment period. Use the higher-rate comparisons for constant-rate examples, or the optional later-rate setting to model a rate change after an initial period.
What is a balloon payment?
A balloon payment is the outstanding loan balance due when a facility ends before the longer repayment period is complete. It is additional to the regular payment due at maturity. Check the facility terms and your plan for settling that balance.
Does this estimate mean my loan will be approved?
No. The calculator does not assess eligibility or approve financing. Banks and funders make their own credit decisions and confirm the actual amount, rate, security requirements and repayment terms.
Plan your next property financing step
Review your estimate, available options and repayment requirements with Bizsquare.
Results are estimates for initial planning and guidance. Banks and funders use different assessment and calculation methods; confirm actual terms with your lender or Bizsquare. This calculator does not approve financing. Calculator inputs are processed in your browser.