Commercial Property Loan Calculator Singapore

Q: Can an individual (non-company) take a commercial property loan in Singapore?

Yes. Individuals can obtain commercial property loans in Singapore. However, stamp duty (BSD + ABSD) rules differ for commercial vs residential. Commercial properties are not subject to ABSD.

Q: What is the stamp duty for commercial property in Singapore?

Commercial properties are subject to Buyer's Stamp Duty (BSD) only — no Additional Buyer's Stamp Duty (ABSD) applies. BSD rates: 1%–4% on first S$1M, sliding scale above. No Seller's Stamp Duty (SSD) for commercial.

Q: How is commercial property loan eligibility assessed?

Banks assess commercial loan eligibility based on: property type and tenancy, rental income (DSCR), borrower's business financials, creditworthiness, and the property's remaining lease.

Calculate monthly repayments for commercial property loans in Singapore, including shophouses, offices, industrial, and retail units.

Updated 6 May 2026 · Free · No sign-up required

How to use:① Enter your loan amount using the slider or type directly② Adjust the interest rate to match your bank's offer③ View your monthly repayment and full schedule instantly

Loan Details

Commercial Loan Amount

S$100,000S$10,000,000

Interest Rate (p.a.)

1%8%

Loan Tenure25 yrs

5 yr30 yrs

Your Estimate

Monthly Repayment

S$8,337.49

25 years · 300 monthly payments

Principal

S$1,500,000

Interest

S$1,001,246

Total RepaymentS$2,501,246.15

Total InterestS$1,001,246.15

Loan AmountS$1,500,000

Interest Rate4.50% p.a.

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At 4.5% p.a. over 25 years, you pay 67% extra in interest on top of your principal.

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Show this estimate to your bank or mortgage broker. Actual rates may vary based on your credit profile.

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Monthly repayment S$8,337.49 must be within 55% TDSR limit of your gross income (MAS rule).

About Commercial Property Loan Calculator Singapore

Commercial property loans in Singapore finance the purchase of non-residential properties including shophouses, office units, industrial properties (B1, B2), retail spaces, and HDB commercial properties. Unlike residential loans, commercial property loans are not subject to TDSR but banks apply their own debt service coverage ratio (DSCR) tests.

Before you apply: Check your TDSR → and your max budget →

How This Commercial Property Loan Calculator Singapore Works

This calculator uses the standard amortisation formula — the same one Singapore banks use to build your repayment schedule. Interest each month is charged only on the balance still outstanding, so the interest portion of your instalment shrinks over time while the principal portion grows, even though the instalment itself stays level.

Amortisation formula

M = P × i × (1 + i)ⁿ ÷ [(1 + i)ⁿ − 1]

M = monthly instalment · P = loan amount · i = annual rate ÷ 12 · n = tenure in months

Worked example

On a S$1,500,000 commercial property loan at 4.5% p.a. over 25 years, this calculator returns a monthly instalment of S$8,337. Across the full tenure you repay S$2,501,246 in total, of which S$1,001,246 is interest — 66.7% on top of what you borrowed.

Change any input above and the schedule recalculates instantly. The result is an estimate based on the rate you enter — it excludes legal fees, valuation fees, fire insurance and any lock-in penalties, and it is not a loan offer or a statement of what you will be approved for.

Sources & Last Reviewed

Regulatory limits and indicative bank rates on this page were last reviewed on 6 May 2026. Bank rates are indicative and change frequently — always confirm the current rate directly with the lender before committing. This calculator is an estimate, not a loan offer.

↗ MAS — Residential property loan limits (LTV)

Commercial Property Loan Calculator Singapore — Frequently Asked Questions

Common questions about commercial property loan calculator singapore in Singapore.