Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
ORIX Leasing Singapore offers a highly competitive property equity term loan designed for property owners seeking substantial funding solutions with long-term repayment flexibility. As a leading financial services firm with global roots and a strong local presence, ORIX has developed a reputation for structured financing solutions that cater to both individuals and SMEs.
The property equity term loan product allows borrowers to leverage their owned property to access capital for various needs—whether it’s 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, making 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—a straightforward structure that 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, reducing monthly financial pressure and improving long-term cash flow management. This makes the loan well-suited for strategic investments with extended payback periods.
Low Annual Cost Structure
The loan carries no annual fees and no lock-in period, which provides borrowers with the flexibility to repay early or refinance without penalty. This structure is ideal for those seeking financial agility and minimal ongoing overheads.
Transparent and Predictable Repayment Terms
A fixed interest rate of 4.5% per annum and a processing fee of just 1% ensure cost predictability from the outset. For instance, with a loan of S$100,000 over 5 years, monthly repayments are fixed at S$1,864.30, and the total repayment amount stands at S$111,858.12.
Processing Fee
ORIX applies a one-time processing fee of 1% on the approved loan amount. This fee is deducted upfront upon loan disbursement. For example, for a loan of S$100,000, the processing charge amounts to S$1,000. There are no hidden administrative or legal charges beyond this.
Annual Maintenance Fee
Unlike many traditional property-backed loans, ORIX Leasing imposes no annual maintenance fee. This significantly reduces the recurring cost burden on borrowers and enhances the product’s appeal for long-term financial planning.
Early Repayment Penalty
Borrowers who choose to repay the loan before the agreed term will incur a 1.5% early repayment penalty on the outstanding balance. This ensures flexibility while keeping exit costs moderate for those who experience early liquidity or want to restructure financing.
Lock-In Period
There is no lock-in period attached to this loan product. Borrowers are not contractually bound to retain the loan for a minimum period, offering the freedom to refinance or close the loan early without incurring time-based penalties.
| Lender | Annual Interest Rate | Processing Fee | Annual Fee | Monthly Repayment |
|---|---|---|---|---|
| Anext | 7% | 1% or S$200 whichever is higher | $0 | $2,970.18 |
| DBS | 6% | 1% | no | $2,899.92 |
| Maybank | 7% | 1-2% | $2,970.18 | |
| OCBC | 7.5 % | 1-2% | no | $3,005.69 |
| Orix | 8.5 % | 1-2% | no | $3,077.48 |
| Ethoz | 9 % | 1.25% | One time off $1,500 Commitement Fee | $3,113.75 |
| Funding Societies | 9.6 % | 7% | $3,157.61 | |
| SCB | 10.88 % | 1-3% | $288 | $3,252.39 |
* Rates Updated 14 Jul 2025 - Loan Amount Example S$150,000 In 5 Years
Processing Fee
ORIX applies a one-time processing fee of 1% on the approved loan amount. This fee is deducted upfront upon loan disbursement. For example, for a loan of S$100,000, the processing charge amounts to S$1,000. There are no hidden administrative or legal charges beyond this.
Annual Maintenance Fee
Unlike many traditional property-backed loans, ORIX Leasing imposes no annual maintenance fee. This significantly reduces the recurring cost burden on borrowers and enhances the product’s appeal for long-term financial planning.
Early Repayment Penalty
Borrowers who choose to repay the loan before the agreed term will incur a 1.5% early repayment penalty on the outstanding balance. This ensures flexibility while keeping exit costs moderate for those who experience early liquidity or want to restructure financing.
Lock-In Period
There is no lock-in period attached to this loan product. Borrowers are not contractually bound to retain the loan for a minimum period, offering the freedom to refinance or close the loan early without incurring time-based penalties.
Start your loan application journey with our quick online application multistep form—it takes just 30 seconds to complete. Our advanced technology and expert loan specialists work together to match you with suitable options on our platform
Our team will reach out requesting the following necessary documents: company registration information, bank statements, financial reports and your IC/FIN details.
Our dedicated customer success team will carefully examine your application, contacting you if any additional information is required. Once we’ve verified your details, we’ll begin the process of matching you with appropriate lenders and loan options.
Compare loan offers in real-time through your application dashboard. Our customer success team is available to discuss loan details.
Once you’ve agreed on the loan terms and signed the contract, you’ll receive a copy of the agreement. This document will outline your monthly payment schedule. Your funds will then be disbursed either in cash or via bank transfer.
Borrow up to S$5,000,000 backed by your property—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.
