🏦 Industrial Property Finance

Loan & Return Calculator

Estimate your monthly repayment, cash outlay, rental yield and return on equity — with Singapore-specific industrial loan rules built in.

Property & Purchase Details

Company / Investment: Max LTV typically 80%. TDSR does not apply — bank assesses company NOI and DSCR instead.
Loan Parameters
80%
Bank caps tenure so borrower age + tenure ≤ 75
yrs
Interest Rate (SORA-based)
%
Current ~1.02% (May 2026, 3M Compounded SORA)
%
Typical: 1.0–1.8% above SORA
4.50% p.a.
Tax & Running Costs
%
Singapore corporate tax: 17%
Check your property tax bill or IRAS portal
Strata units: check MCST fees. Landed: estimate repairs/upkeep per year.
Operating Expenses — optional, use defaults if unsure
Calculation Results
Fill in the details and click Calculate.

Lease Tenure Rule

Bank Policy

Banks generally require the remaining lease to exceed the loan tenure by 10 years.

Example: If 30 years remain, the maximum loan tenure is capped at 20 years, which significantly increases monthly repayments.

Tax Deductibility

Investment Advantage

For investment properties held under a company, mortgage interest is a tax-deductible expense under Singapore corporate tax rules.

This reduces the effective cost of borrowing by up to 17% (corporate tax rate).

BSD (Buyer's Stamp Duty)

Transaction Cost
  • First S$180k: 1%
  • Next S$180k: 2%
  • Next S$640k: 3%
  • Next S$500k: 4%
  • Remainder: 4%

No ABSD on industrial properties. No SSD after 3 years.

💰 Referral Programme

Know Someone With a Property or Looking for One?

Earn a referral fee on any successful transaction you refer to us. For property sales: 5% of our 2% agent commission. No licence required. Just connect us to the right people.

🏭 Property Sale or Lease 🏢 Business + Property 🏗 A&A / Design & Build
Submit a Referral → WhatsApp to Refer