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Terms & ConditionsAnnual Interest Rate
Max Loan Amount
Processing Fee
Monthly Repayment
Apply NowThe property equity term loan product allows borrowers to leverage their owned property to access capital for various needs such as business expansion, debt consolidation or working capital support. With a competitive interest rate of 4.5% per annum, borrowers enjoy predictable financing costs over the course of their repayment period.
This loan product is especially suitable for those requiring large principal amounts with a maximum approved loan value of up to S$5,000,000 and loan tenures extending to 15 years. Importantly, there are no annual fees or lock-in periods which makes this a flexible and cost-effective solution for property-backed financing.
For a sample loan of S$100,000 over 5 years, the total interest paid is S$11,858.12 with a fixed monthly installment of S$1,864.30. This straightforward structure empowers borrowers to plan their finances efficiently.
Overall, the ORIX property equity term loan represents a robust financing alternative for asset-rich clients who value long-term loan stability, transparent pricing and high loan ceilings.
High Loan Ceiling for Asset-Backed Borrowers
ORIX Leasing’s property equity term loan offers funding of up to S$5,000,000, making it an excellent option for individuals and businesses looking to unlock the value of owned properties. This high ceiling is particularly suitable for borrowers who need large capital injections without diluting equity or incurring unsecured debt.
Extended Tenure up to 15 Years
With a maximum loan tenure of 15 years, borrowers can spread their repayments over a longer period. This reduces monthly financial pressure and improves long-term cash flow management. The loan is well-suited for strategic investments with extended payback periods.
Low Annual Cost Structure
The loan carries no annual fees and no lock-in period. This provides borrowers with the flexibility to repay early or refinance without penalty. The structure is ideal for those seeking financial agility with minimal ongoing overheads.
Transparent and Predictable Repayment Terms
A fixed interest rate of 4.5% per annum with a processing fee of just 1% ensures cost predictability from the outset. For example, with a loan of S$100,000 over 5 years, monthly repayments are fixed at S$1,864.30. The total repayment amount stands at S$111,858.12.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7%-10% | 1% or S$200 | No | $2,970.18 |
| DBS | 7% | 1% | No | $2,970.18 |
| Maybank | 7%-10% | 1-2% | No | $2,970.18 |
| OCBC | 7% | 1-2% | No | $2,970.18 |
| Orix | 8.5 % | 1-2% | No | $3,077.48 |
| Ethoz | 7-10% | 1.25% | One time off $1,500 Commitement Fee | $2,970.18 |
| Funding Societies | 9.6 % | 4% | No | $3,157.61 |
| SCB | 9.00 % | 1-3% | $288 | $3,113.75 |
* Rates Updated 12 Jan 2026 - Loan Amount Example S$150,000 In 5 Years
Because there are no stringent income or credit score requirements disclosed, the evaluation process emphasizes asset quality and loan-to-value considerations. This asset-based lending approach allows for more inclusive access compared to unsecured loan offerings.
Start your application directly through the ROSHI.sg marketplace, where you can compare lenders and access ORIX Leasing’s property equity term loan application page. The platform ensures secure submission and efficient routing to the lender.
Applicants will be required to provide documentation that proves property ownership, along with basic identification and income-related records. While the exact requirements may vary by applicant profile, typical documents include:
– NRIC or passport for identification
– Property title deed or proof of ownership
– Recent income documents or NOA (if applicable for individual borrowers)
– Business registration and property-holding records (for company applicants)
These documents help ORIX evaluate both collateral value and borrower profile without relying heavily on turnover or business age.
Once documents are reviewed, ORIX will provide a preliminary loan offer based on the valuation of the pledged property and the requested loan terms. This process may involve property appraisal conducted by ORIX or an appointed valuer.
Upon acceptance of the preliminary offer, final documentation is prepared. The applicant will be scheduled for a formal loan agreement signing. Legal due diligence may also be conducted at this stage to finalize the mortgage process.
Once approved and signed, funds are disbursed directly into the borrower’s designated bank account. The timeline for disbursement may vary depending on property title checks and legal processing but is typically completed within a few working days.
Borrow up to S$5,000,000 backed by your property. This is ideal for major investments or business scaling.
Enjoy tenures up to 15 years, giving you greater control over monthly repayment and cash flow.
The loan comes with zero annual fees and no lock-in period, allowing for flexible refinancing or early exit.
Flat interest rate of 4.5% p.a. with a clear sample breakdown: a S$100,000 loan over 5 years results in a total repayment of S$111,858.12.
Early loan closure incurs a 1.5% penalty on the outstanding principal balance.
Applicants must own qualifying property. This loan is not available to unsecured borrowers.
