OxProp Capital Property Equity Term Loan (January 2026)
(Product review)

Product Review

OxProp Capital’s property equity term loan offers a robust financing solution tailored for individuals and businesses looking to unlock capital through their real estate assets. With a maximum loan quantum of up to S$15,000,000 and a loan tenure of up to 15 years, this product is ideal for borrowers seeking large-scale funding with long-term repayment flexibility.

The loan is secured against the equity of a property, making it especially useful for asset-rich but cash-constrained borrowers. With a fixed annual interest rate of 7% and no annual fee, the product maintains cost transparency, while the processing fee ranges from 1% to 3% depending on the loan profile and risk assessment.

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Up to 1% Cashback*

$100 Grocery Voucher*

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How much do you want to borrow?

$50,000

$500,000

Over what period would you like to pay?

1 Month

60 Months

Your monthly payment

337

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Rate Disclaimer*

Based on a $20,000 loan at 6.95% APR over 5 years, total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%.

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*Based on a $20,000 loan at 6.95% APR over 5 years, read more total repayable amount is $26,940 with $449 monthly payments. Your personal APR will be provided upon application completion. Loan terms available from 3 to 72 months. Maximum APR 8.88%. show less

Notably, OxProp Capital imposes no minimum turnover or years of incorporation, allowing even newly established businesses and individuals to access funding. While a lock-in period and penalty fee may apply under specific circumstances, the overall structure is borrower-friendly, especially for those comfortable using property equity as leverage.

Key Factors

Flexible Loan Size for High-Value Needs
With loan amounts available up to S$15,000,000, this facility is well-suited for borrowers seeking substantial capital injections. Whether for property investments, business expansion or refinancing purposes, the high ceiling enables borrowers to leverage real estate equity for strategic goals.

Long-Term Tenure Structure
Borrowers can choose a loan tenure of up to 15 years, offering extended timeframes to manage repayment. This is especially advantageous for those aiming to optimize cash flow or align repayments with long-term financial cycles, such as rental yields or phased development plans.

No Income or Incorporation Requirements
Unlike many traditional lenders, OxProp Capital imposes no minimum turnover or years of business incorporation, making the product accessible to start-ups, SMEs and individuals with sufficient property collateral. This opens financing opportunities for early-stage ventures or non-traditional borrowers.

Fixed Interest Rate with Predictable Outflows
A fixed interest rate of 7% per annum ensures predictability in loan servicing. This stability is crucial for planning around debt obligations with

OxProp Capital Fees

• Processing Fee
  OxProp Capital charges a processing fee between 1% and 3% of the approved loan amount. The exact percentage is typically determined based on the loan size, borrower profile and property valuation. For a loan of S$100,000, this would equate to S$1,000 to S$3,000 upfront.
• Annual Fee
  Unlike many institutional lenders, no annual maintenance fee is applied throughout the loan tenure. This ensures that borrowers are not subject to recurring charges beyond the one-time processing fee.
• Penalty Fee
  A penalty fee is enforced in the event of early loan termination during the lock-in period. The specifics vary based on contract terms, so borrowers should review the loan agreement carefully to assess the financial implications of early settlement.
• Late Payment Charges
  While not disclosed as a fixed rate, OxProp Capital applies late payment penalties if scheduled repayments are missed. These may include additional interest accrual or fixed penalty amounts per late installment, contributing to increased overall loan cost.
• Other Legal or Administrative Costs
  As this is a property-backed facility, legal documentation and valuation costs may apply depending on property type and transaction complexity. These are typically borne by the borrower and handled through appointed law firms or service providers during the disbursement process.

Overview of Interest Rates

Eligibility for Oxprop Capital property equity term loan

• Open to All Business Types and Individuals
  Oxprop Capital’s property equity term loan is accessible to a broad range of applicants, including individual property owners, sole proprietors, private limited companies and start-ups. This inclusiveness distinguishes it from traditional bank loans that often impose narrow eligibility conditions.
• No Minimum Turnover or Operational History Required
  Applicants do not need to meet any minimum revenue benchmarks or demonstrate a specific number of years in business. This makes the loan particularly appealing to newly incorporated entities and early-stage entrepreneurs with qualifying real estate assets.
• Collateral Requirement – Singapore Property Ownership
  Eligibility is primarily based on ownership of a qualifying property located in Singapore. The property’s equity serves as collateral and plays a key role in determining the loan amount and approval terms. Both residential and commercial properties may be considered, subject to valuation.
• Age and Residency Considerations
  For individual applicants, a minimum age of 21 is generally expected. While Oxprop Capital primarily serves Singapore residents, specific arrangements for foreign nationals or overseas property owners may be evaluated on a case-by-case basis.
• Documentation-Based Approval
  Unlike unsecured loans, this facility places greater emphasis on property title documentation, ownership verification and property valuation reports rather than income proof or credit history alone. However, providing clear financial records may support faster processing and more favorable terms.