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

Product Review

VM Capital’s property equity term loan is a specialized financing product tailored for property owners seeking to unlock liquidity from their existing real estate assets. With a competitive fixed annual interest rate of 8.4%, the loan is designed for individuals or businesses looking to access substantial capital without liquidating their property holdings.

This loan product supports high-value financing needs with a maximum loan amount of up to S$20,000,000 and a maximum tenure of 18 years. It is suitable for long-term investment strategies, property enhancements or working capital requirements. The structure of the loan prioritizes flexibility and accessibility. There is no minimum turnover requirement or incorporation period, which opens access to newer companies and diverse borrower profiles.

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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

While the loan includes a processing fee of 1%, it does not impose annual fees or penalty fees. The lock-in period ensures repayment commitments are clearly structured over time. The absence of hidden charges together with a clearly defined interest total (S$22,810 for a S$100,000 loan over five years) makes this offering transparent and predictable for planning purposes.

VM Capital positions this product as a powerful solution for asset-rich borrowers who want to maintain ownership while leveraging property value. It is an excellent option for entrepreneurs, business owners or individuals with long-term asset growth strategies.

Key Factors

High Loan Ceiling for Asset-Backed Borrowing
VM Capital provides a generous maximum loan amount of up to S$20,000,000. It is ideal for borrowers who possess valuable property assets and seek large-scale capital access for investment, refinancing or business expansion.

Long-Term Financing Flexibility
With a maximum tenure of 18 years, this term loan offers extended repayment flexibility. It is particularly beneficial for borrowers who prefer a lower monthly commitment or want to structure long-term cash flow management.

Predictable Monthly Instalments
A five-year term on a S$100,000 loan results in a fixed monthly instalment of S$2,046.84. This consistency supports budgeting and financial planning. The total amount payable is S$122,810.21, which ensures there are no unexpected interest spikes.

Minimal Entry Requirements
With no minimum turnover requirement and no years of incorporation needed, this loan is accessible to startups, new SMEs or individuals who may not meet stricter banking criteria. It is one of the more inclusive property-backed loans in the market.

Transparent Upfront Cost Structure
A straightforward 1% processing fee is charged on the approved loan amount. This clear cost breakdown combined with a fixed interest rate of 8.4% per annum provides upfront clarity and reduces borrower uncertainty.

VM Capital Fees

• Processing Fee
  VM Capital applies a one-time processing fee of 1% on the approved loan amount. For example, a loan of S$100,000 would incur a S$1,000 processing fee. This charge is deducted upfront and does not recur annually, making it easy for borrowers to anticipate their initial outlay.
• Annual Fee
  There is no annual maintenance fee associated with this loan, which distinguishes it from many traditional property term loans. Borrowers are not subject to recurring annual charges, resulting in lower long-term cost of ownership.
• Penalty Fee
  VM Capital does not impose any penalty fees for late payments or early repayment. This fee-free structure provides borrowers with added flexibility in managing their repayment schedule without the fear of unexpected charges.
• Lock-In Period
  A lock-in period is in effect during the early stages of the loan. While the exact duration may vary depending on loan terms, borrowers should be aware that full prepayment or refinancing within the lock-in phase may not be allowed without prior arrangements.

Eligibility for VM Capital property equity term loan

• Open to Individuals and Businesses
  VM Capital’s property equity term loan is open to both individual property owners and incorporated businesses, making it a versatile financing solution for various borrower profiles seeking to unlock property value.
• No Years of Incorporation Needed
  The loan is accessible to companies with zero years of incorporation, eliminating one of the most common barriers faced by startups and new ventures in securing large financing options.
• Singapore-Based Applicants Only
  To qualify, applicants must hold property assets located in Singapore, as the loan is structured around local property equity. Borrowers must also comply with standard identity verification and documentation procedures as required by financial regulations.
• Property Ownership as Key Criterion
  Eligibility is primarily determined by the value and condition of the pledged property, rather than traditional credit metrics alone. This focus allows more asset-rich but credit-light applicants to gain approval.