Yes, you can take a commercial property loan in Singapore as an individual for around $100,000–$120,000, but the options and terms may differ from residential loans.
Key things to know about commercial property loans
✅ Commercial loans do exist for individuals
✅ Banks treat them differently from home loans
⚠️ Loan size, LTV (loan-to-value), and interest rates are usually tighter
⚠️ Tenure is often shorter than residential property loans
What banks typically offer commercial property financing
Most of the major banks in Singapore provide commercial property loans (subject to credit assessment and property type). Examples include:
• DBS / POSB
• OCBC
• UOB
• Standard Chartered
• HSBC
• Maybank
Each bank has slightly different criteria and appetite for smaller commercial loans.
A few things you should expect:
???? Lower LTV than residential — often around 50–70% depending on risk
???? Interest rates may be higher than HDB/ condo home loans
???? Shorter tenures — sometimes 10–15 years instead of 30
???? Banks will look closely at your income stability and cash flow
Since you’re aiming for $100k–$120k (which is on the smaller side for commercial deals), some banks might treat it more like a SME property facility or even a term loan secured against the property. That’s not unusual.
What you should do next
✔ Approach 2–3 banks with the property details (address, usage, tenure, rental plan if any)
✔ Provide your personal income documents (CPF, tax, bank statements)
✔ Ask for a credit assessment and indicative LTV / interest rates
✔ Compare risk spreads and repayment flexibility
If you want, I can also recommend which banks tend to be friendlier to smaller commercial financing deals, and what kind of structure (term loan vs mortgage loan) might suit your plans best.
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