Updated July 14, 2025
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Terms & Conditions
Annual Interest Rate
Max Loan Amount
Processing Fee
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 and businesses looking to access substantial capital without needing to liquidate 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, making it 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 or incorporation period required, which opens access to newer companies and diverse borrower profiles.
While the loan includes a processing fee of 1%, it does not impose any annual or penalty fees, and the lock-in period ensures repayment commitments are clearly structured over time. The absence of hidden charges and a clearly defined interest total (S$22,810 for a S$100,000 loan over five years) make 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—ideal for entrepreneurs, business owners, or individuals with long-term asset growth strategies.
High Loan Ceiling for Asset-Backed Borrowing
VM Capital provides a generous maximum loan amount of up to S$20,000,000, ideal for borrowers who possess valuable property assets and are seeking 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—particularly beneficial for borrowers who prefer a lower monthly commitment or wish 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 aids in budgeting and financial planning, with the total amount payable at S$122,810.21, ensuring no unexpected interest spikes.
Minimal Entry Requirements
With no minimum turnover and no years of incorporation required, this loan is accessible to startups, new SMEs, and individuals who may not meet stricter banking criteria—making it 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—allows for upfront clarity and reduces borrower uncertainty.
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.
| 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
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.
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$20,000,000, ideal for leveraging high-value property assets for capital-intensive needs.
Flexible loan term of up to 18 years, allowing for manageable monthly instalments and better long-term cash flow planning.
Zero annual maintenance fees and no penalty charges, minimizing ongoing cost burden for borrowers.
No minimum turnover or incorporation period required, making it accessible for startups and newly registered companies.
Prepayment or refinancing is restricted during the initial phase of the loan term due to the lock-in condition.
While stable, the 8.4% per annum interest rate may be higher than some market alternatives depending on borrower profile and use case.
