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Property-Backed Loan

How much can I cash out?

How much you can cash out depends on a mixture of 3 key factors, namely, loan-to-valuation (LTV), Outstanding home loan amount and total CPF funds used. Of course you might be subjected to general regulatory limits like total debt servicing ratio (TDSR). Businesses should also show an ability to make good on future monthly debt repayments.


The LTV is calculated by the maximum loan a lender is able to provide over the valuation of your property. Example, a 70% LTV on a $1million property means the maximum loan you can take is $700,000. Therefore the higher the LTV, the more you can cash out. See table's LTVs for different property types.
Banks / NBFI
Alternative Lenders

Loan outstanding and total CPF used

With the LTV, your total cash out amount is now %LTV of your property minus your outstanding loan and the CPF used to purchase the property (with accrued interest).

Bank vs. non-bank

Here’s a full breakdown on the pros and cons between a bank and a non-bank.

Property Backed
Interest Rate
2.5% p.a. onwards
5.5% p.a. onwards
Up to 25 years
Typically up to 5 years (able to stretch to 15 years)
Repayment Schedule
Principal + interest monthly
Principal + interest monthly OR Interest servicing only
Processing Fee

As you can see, while banks are much cheaper in terms of pricing, a non-bank option offers a wider range of flexibility. This includes a higher LTV, and interest servicing option. This may be a deciding factor as an interest servicing option greatly reduces your monthly repayment and increases your cash flow.

Why get your Property Backed Loan through Beez Rev?

A team that will support you

We have a dedicated team that will walk you through your entire loan process and help you do the market research you need.

We let lenders compete for your loan

Be ready to be spoilt for choice when we help you compare the best deals across all banks and non-banks so you only get the lowest interest rate and the highest cash out amount. Our rates are same as what the banks can offer or even better.

Frequently Asked Questions

Different banks might arrive at substantially different valuation estimations, implying that some of the process is based on guessing rather than established appraisal rules. It’s most likely from the Singapore Institute of Surveyors and Valuers (SISV) for private homes. If the property is owned by HDB, you can acquire a valuation report from their own panel of valuers, who are all IRAS-licensed professionals.
  • Legal and appraisal expenses may be subsidized depending on the bank with whom you take out a commercial property loan. It’s also worth noting that most commercial property loans cost a little more than equivalent residential property loans.
  • When you take out a commercial property loan, you’re usually locked in for two to three years. If you opt to pay in advance or sell the property before the deadline, you will almost certainly be charged a penalty cost of roughly 1.5 percent.
  • You can choose between a fixed and a flexible package when getting a business property loan. You’ll be locked in for around 2 to 3 years with any form of business property financing. There will very certainly be consequences if you opt to prepay or sell your home during this window.
  • Fixed packages provide firms with more confidence, as they have a predictable cash outflow for the next two to three years. Variable packages tend to be somewhat less expensive at first, but this might change depending on how interest rates fluctuate.
Brokers deal with a wide range of lenders, giving them access to a wide range of products at various pricing points. That means you may go to a single mortgage broker and examine a variety of lending options. To select the best financing, the broker will assist you comprehend the interest rate, LTVs, and other information of each offer. This is opposed to you applying with each direct lender independently and analyzing them on your own.
A typical application can take as quickly as a few weeks and drawdown and cash out arrangements can take an additional month to complete as there will be legal arrangements that needs to be made especially if there is a transfer of charge over the asset.