industrial commercial propert loan

Property Loan

Purchase or refinance your property for
working capital.

Property Loan

Purchase or refinance your property for
working capital.

At a Glance

With DBS’ Property Loan, you can borrow up to 60% # of your property’s value ^ . Whether you want to purchase a property, or refinance your current mortgage for business expansion, we can help structure a mortgage loan solution that will move your business forward.

SME clients can utilise the property loan to purchase new industry or commercial properties for their business operations, such as acquiring manufacturing facilities, office spaces, retail outlets, or other properties necessary for daily business activities. The property loan provides the necessary funds to facilitate smooth business operations and promote growth.

SME clients can also utilise the property loan to invest in residential properties, for instance, to purchase residential properties with the intention of generating rental income or capital appreciation. The property loan serves as a financial tool to support SME clients in diversifying their investment portfolio and maximising returns.

business

Attractive rates

Maximise your savings with attractive interest rates.

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Flexibility

Choice of fixed or floating packages to suit your business needs.

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Convenient to apply

Apply for a DBS’ Property Loan online today, making financing for your property convenient and time-saving!

Features

Loan Amount

·    Up to 60%#of the property value^of commercial and industrial property

·    Up to 50%#of the property value^of residential property

Loan Tenor

·    For SME clients seeking to invest in residential properties, the maximum loan tenor available can be up to 30 years. This extended tenor allows for greater affordability and flexibility in managing repayments, enabling clients to optimise their investment strategies.


·     For SME clients purchasing industry or commercial properties for business operations, the maximum loan tenor available can be up to 20 years. This duration provides ample time for clients to leverage the property for their business needs and generate sustainable revenue streams.

 

How to apply

To apply for DBS’ Property Loan and expand your SME businesses, simply call DBS SME Loan Hotline at 2290 8123 or visit our SME Banking Centres and our Relationship Manager will be glad to assist you.

Remarks:
#Such indicative loan amounts are subject to the Bank’s final approval decision, the final decision may be different on case-by-case basis. 
^The property value is calculated based on the purchase price or latest valuation of the property, whichever is lower.

 

Apply loan under HK$10 million
Apply loan over HK$10 million
Loan Advisor

Not sure which loan suits you or how much you need? Try our Loan Advisor tool for recommendations now!

FAQ

What is a Property Loan?

A Property Loan gives SMEs the opportunity to obtain funding by mortgaging their commercial and industrial properties or residential properties. This helps increase the company's working capital and enables business expansion. The loan amount for property loans from DBS will be adjusted based on the property valuation in the real estate market.

What are the benefits of Property Loan?

Property loans offer SMEs the opportunity to achieve several purposes, including the purchase of property, increase liquidity, improve cash flow, and enhance business flexibility through financing.

What is the maximum amount of DBS’ Property Loan?

DBS’ Property Loan will cover up to 60% of your business’s commercial and industrial property, and up to 50% of your  the residential property value. To learn more about property loan and fixed asset services, please call DBS BusinessCare at 2290 8068 or visit our SME Banking Centres and our Relationship Managers will be glad to assist you.

How long do I have to pay back my Property Loan?

For SME clients seeking to invest in residential properties, the maximum loan tenor available can be up to 30 years. For SME clients purchasing industry or commercial properties for business operations, the maximum loan tenor available can be up to 20 years. 


This duration provides ample time for clients to leverage the property for their business needs and generate sustainable revenue streams, but this depends on the property your business wants to purchase in Hong Kong and its property valuation in the market. The property loan amount will be dependent on the assessment of the independent appraisers appointed by DBS.

How can the Property Loan help my business grow?

Our Property Loan can  also offer the option to include other facilities, such as an overdraft or trade facility, which means we can help you manage your cash flow and you can raise funds to purchase property through property loans.

What type of loan packages do you offer, and which is the right loan for me?

We offer both prime basis and HIBOR rate basis packages, as well as specially customised solutions to support your business plan and match your appetite for risk. DBS’ Property Loan will provide you with the required loan based on your property value, helping you expand your business.

What is the basis of DBS valuation of the property?

We appoint independent appraisers to assess the value of your property to provide a valuation for your reference.

Why should I refinance?

Refinancing with DBS could help you better manage your cash flow for repayments by offering flexible repayment tenures with low interest rates.

What can I do if my loan application is not accepted? Is there a process to review the decision?

If you have any questions or need to discuss the result of your loan application, please contact our "SME Credit Approval Review Hotline" at 2290 8050 or email to [email protected]

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