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Estimated monthly repayment
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Monthly payments in the first two years of the loan. After the first two years, the interest rate may differ depending on the loan package you obtain.
COMMERCIAL AND INDUSTRIAL MORTGAGE
Save your money with attractive Commercial and Industrial Mortgage rates
Looking to purchase or refinance a business property? Lock in attractive rates to save for later
BENEFITS
Covers multiple property types
Our Commercial and Industrial Mortgage service lets you finance completed commercial and industrial properties in the primary or secondary market. Owner-occupied and leased properties are eligible
Our Commercial and Industrial Mortgage service lets you finance completed commercial and industrial properties in the primary or secondary market. Owner-occupied and leased properties are eligible
Increases your company’s cash flow
Need additional working capital or cash reserves to grow your business or capture investment opportunities? By refinancing your existing property, you can cash out funds while enjoying our attractive mortgage rates.
Need additional working capital or cash reserves to grow your business or capture investment opportunities? By refinancing your existing property, you can cash out funds while enjoying our attractive mortgage rates.
Offers a flexible mortgage solution
We offer competitive interest rates and flexible repayment options tailored to your mortgage needs. If you are a corporate client, we can customise a solution to fit your unique financial requirements and circumstances.
We offer competitive interest rates and flexible repayment options tailored to your mortgage needs. If you are a corporate client, we can customise a solution to fit your unique financial requirements and circumstances.
How much financing can I get?
Use our OCBC loan calculator to discover how much you can borrow based on your property purchase price, loan amount and tenure.
Disclaimer & Important Notice
This is not a financing offer from OCBC Bank (Hong Kong) Limited (the “Bank”). The computations shown are based on the information provided by you, and are provided solely for reference only. Actual interest rates may differ from what is shown here. The Bank hereby disclaims any responsibility for any errors or omissions in the computations. The Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of relying on the computations. For the applicable terms and conditions of any financing offer made to you by the Bank, please refer to the relevant Facility Letter issued.
ALREADY HAVE AN EXISTING COMMERCIAL AND INDUSTRIAL MORTGAGE?
Contact us to lock in lower rates today if you are nearing the end of your lock-in period.
If you have an existing Commercial and Industrial Mortgage from another bank, you can refinance it with us. Here are some common reasons why many customers choose to refinance with OCBC:
- Enjoy lower monthly payments
- Secure more favourable terms
- Tap into the property’s equity to acquire funds for business needs or to grow the business portfolio
FAQs
Common questions
What is the maximum tenure for a Commercial and Industrial Mortgage?
The maximum tenure is 25 years.
What is the maximum loan amount for a commercial or industrial property?
The mortgage loan amount can be up to 70% of our appraised value on a commercial or industrial property.
What properties are eligible for a Commercial and Industrial Mortgage?
Both owner-occupied and leased properties are eligible.
What Flexible Repayment Methods are available for a Commercial and Industrial Mortgage?
- Straight line repayment method
You can maintain a fixed repayment amount throughout the whole repayment period, which gives you stable control over your finances.
- Step-up repayment method
You can increase the repayment amount annually at a fixed step-up rate during the repayment period, which allows you to shorten your loan period and save on payments.
- Repay monthly or bi-weekly
You can choose to repay monthly or bi-weekly with any of the above repayment methods. Bi-weekly repayments will reduce interest payments and shortens the repayment period.
Note: Availability of the above Flexible Repayment Methods depends on the chosen mortgage plan. Please visit any of our branches for details.
Before you apply
To borrow or not to borrow? Borrow only if you can repay!
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