Singapore · Singapura Finance bridging loan
Singapura Finance bridging loan in Singapore
Singapura Finance is one of three MAS-regulated finance companies operating in Singapore under the Finance Companies Act 1967. With a focused property-lending book, Singapura Finance often offers more flexible eligibility on bridging facilities than the larger banks, particularly for borrowers with non-standard income profiles.
What Singapura Finance offers
Singapura Finance provides bridging facilities for 2 product types:
HDB bridging loan
Bridges the cash-flow gap between buying a new HDB flat and receiving sale proceeds from your existing HDB. Available to HDB upgraders, downgraders and lateral movers. Sale proceeds of the existing flat secure the loan.
HDB bridging loan guidePrivate property bridging loan
Bridges the timing gap when transitioning from one private property to another, or from HDB to private. Secured against sale proceeds of the outgoing property.
Private property bridging loan guideStandard bridging-loan mechanics at Singapura Finance
Most major SG bank bridging facilities follow the same general shape:
- Tenure: 6 months from disbursement (industry standard)
- Security: Net sale proceeds of your outgoing property
- Pricing model: Pegged to bank prime / board rate or SORA — quoted on application
- Eligibility: OTP signed on new property, firm sale arrangement on existing property, standard credit underwriting
- Bundling: Most commonly offered alongside the onward mortgage from the same bank
For full pricing context, see the bridging-loan interest rate guide. For the complete bridging-loan framework, see the Singapore bridging-loan guide.
How to compare Singapura Finance against other lenders
Singapura Finance is one of 12 MAS-regulated SG bridging-loan lenders. To compare Singapura Finance's offering against other banks and finance companies:
- See the rate comparison table grouped by product type
- Browse all lenders for source-cited bridging-loan pages
- Use the free shortlist tool to receive parallel quotes from MAS-regulated mortgage brokers
Frequently asked questions
Is Singapura Finance the same as a bank?
No — Singapura Finance is a MAS-regulated finance company supervised under the Finance Companies Act 1967, which is a different regulatory framework from the Banking Act 1970 governing banks. Finance companies in Singapore can offer many lending products under MAS supervision but with a more focused scope than full banks.
When does Singapura Finance fit better than a bank?
Finance companies are sometimes more flexible on eligibility for borrowers whose income, credit or transaction profile doesn't fit standard bank underwriting — e.g. self-employed applicants with non-standard income documentation, or buyers needing faster turnaround. Pricing is quoted on application.
What is the Singapura Finance bridging-loan interest rate?
Singapura Finance bridging-loan rates are quoted on application. Banks typically price bridging facilities against their prime / board rate or against SORA, with the specific spread depending on the transaction. Singapura Finance does not publish a fixed bridging-loan rate. See the bridging-loan interest rate guide for the full pricing-model context.
What is the typical tenure on a Singapura Finance bridging loan?
6 months is the industry-standard tenure across virtually all MAS-regulated SG lenders. Some lenders allow extension at materially higher rates if your existing-property sale completes late.
How do I apply for a Singapura Finance bridging loan?
Apply through a Singapura Finance mortgage adviser, directly via Singapura Finance's online channels (if available), or via a MAS-regulated mortgage broker who can compare Singapura Finance against other lenders in parallel.
Source & verification
All facts ingested from Singapura Finance's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework. This page is informational only and does not constitute financial advice. For binding rates, contact Singapura Finance directly or use the free shortlist tool.