# bridgingloan.sg — full content bundle > Single-file long-form dump of every markdown surface + HTML page on this site. Intended for AI crawlers (GPTBot, Claude-Web, PerplexityBot, Amazonbot, Bing) per the financialreports.eu / Stripe / Mintlify convention. Each section is preceded by its canonical URL. Per-page summary.md, per-product wording.md, and per-topic summary.md are emitted verbatim from the snapshot data layer — already cited to insurer policy PDFs and MAS / CPF Board / MOH sources. Generated: 2026-06-12 Source: https://bridgingloan.sg Vertical: singapore-health (Integrated Shield Plans + adjacent products) Regulator: MAS · CPF Board · MOH Currency: SGD --- ## Part 1 — Verbatim policy facts (markdown surfaces) ### https://bridgingloan.sg/api/lender/citi/summary.md # Citibank Singapore **Legal entity:** Citibank Singapore Limited **Category:** Bank (foreign) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.citibank.com.sg **Bridging-loan page:** https://www.citibank.com.sg/personal/loans/home-loans **Last verified:** 2026-06-06 ## Notes Bridging facility offered selectively via the home-loan team. Not heavily marketed but available for existing Citi mortgage customers. ## Bridging-loan products offered ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Citibank Singapore's published bridging-loan page (https://www.citibank.com.sg/personal/loans/home-loans). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/dbs/summary.md # DBS Bank **Legal entity:** DBS Bank Ltd **Category:** Bank (local) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.dbs.com.sg **Bridging-loan page:** https://www.dbs.com.sg/personal/loans/property-loans/bridging-loan **Last verified:** 2026-06-06 ## Notes Singapore's largest local bank. Offers bridging loan for both HDB resale and private property transitions. Application typically via mortgage adviser or DBS digibank. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from DBS Bank's published bridging-loan page (https://www.dbs.com.sg/personal/loans/property-loans/bridging-loan). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/gmg/summary.md # GMG **Legal entity:** GMG Singapore Pte Ltd **Category:** Broker-lender hybrid **Regulator:** Operates as broker via licensed partners; verify scope before transacting **Website:** https://gmg.asia **Bridging-loan page:** https://gmg.asia/bridging-loan-singapore/ **Last verified:** 2026-06-06 ## Notes Operates as both a direct lender (for some products) and a broker routing to bank facilities. Always confirm whether GMG is acting as principal or intermediary on a specific transaction. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ### EC deferred bridging loan For Executive Condominium (EC) buyers who can keep their existing HDB during the EC construction period under the Deferred Payment Scheme (DPS), then need to bridge the cash-flow gap between EC handover and HDB sale. A specialised use-case. - **Typical tenure:** Up to 6 months from EC handover (most lenders) - **Pricing:** Same pricing logic as HDB bridging — pegged to lender's prime / SORA. Confirm directly. - **Max principal:** Up to net sale proceeds from existing HDB ## Source attribution Lender facts compiled from GMG's published bridging-loan page (https://gmg.asia/bridging-loan-singapore/). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/hong-leong-finance/summary.md # Hong Leong Finance **Legal entity:** Hong Leong Finance Limited **Category:** Finance company (NBFI) **Regulator:** MAS (Finance Companies Act 1967) **Website:** https://www.hlf.com.sg **Bridging-loan page:** https://www.hlf.com.sg/personal/loans/bridging-loan.html **Last verified:** 2026-06-06 ## Notes Largest of Singapore's three MAS-regulated finance companies. Significant SME and property lending book. Bridging product is competitive vs banks for HDB and small private transactions. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Hong Leong Finance's published bridging-loan page (https://www.hlf.com.sg/personal/loans/bridging-loan.html). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/hsbc/summary.md # HSBC Singapore **Legal entity:** HSBC Bank (Singapore) Limited **Category:** Bank (foreign) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.hsbc.com.sg **Bridging-loan page:** https://www.hsbc.com.sg/loans/products/bridging/ **Last verified:** 2026-06-06 ## Notes Global bank. SG bridging facility typically targeted at HSBC Premier / Jade customers. ## Bridging-loan products offered ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from HSBC Singapore's published bridging-loan page (https://www.hsbc.com.sg/loans/products/bridging/). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/maybank/summary.md # Maybank Singapore **Legal entity:** Maybank Singapore Limited **Category:** Bank (foreign) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.maybank2u.com.sg **Bridging-loan page:** https://www.maybank2u.com.sg/en/personal/loans/property-loans/bridging-loan.page **Last verified:** 2026-06-06 ## Notes Malaysian banking group's SG arm. Maintains a bridging product alongside its mortgage range. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Maybank Singapore's published bridging-loan page (https://www.maybank2u.com.sg/en/personal/loans/property-loans/bridging-loan.page). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/ocbc/summary.md # OCBC Bank **Legal entity:** Oversea-Chinese Banking Corporation Limited **Category:** Bank (local) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.ocbc.com **Bridging-loan page:** https://www.ocbc.com/personal-banking/loans/bridging-loan **Last verified:** 2026-06-06 ## Notes Second-largest SG local bank. Strong adviser-channel distribution. Bridging facility commonly bundled with the onward mortgage. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from OCBC Bank's published bridging-loan page (https://www.ocbc.com/personal-banking/loans/bridging-loan). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/sing-investments-finance/summary.md # Sing Investments & Finance **Legal entity:** Sing Investments & Finance Limited **Category:** Finance company (NBFI) **Regulator:** MAS (Finance Companies Act 1967) **Website:** https://www.sif.com.sg **Bridging-loan page:** https://www.sif.com.sg/personal-loans/bridging-loan **Last verified:** 2026-06-06 ## Notes Third of Singapore's three MAS-regulated finance companies. Bridging product available for both HDB and private transitions. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Sing Investments & Finance's published bridging-loan page (https://www.sif.com.sg/personal-loans/bridging-loan). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/singapura-finance/summary.md # Singapura Finance **Legal entity:** Singapura Finance Ltd **Category:** Finance company (NBFI) **Regulator:** MAS (Finance Companies Act 1967) **Website:** https://www.singapurafinance.com.sg **Bridging-loan page:** https://www.singapurafinance.com.sg/personal-loans/bridging-loan/ **Last verified:** 2026-06-06 ## Notes Smaller MAS-regulated finance company with a focused property-lending book. Often more flexible on eligibility than banks. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Singapura Finance's published bridging-loan page (https://www.singapurafinance.com.sg/personal-loans/bridging-loan/). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/standard-chartered/summary.md # Standard Chartered **Legal entity:** Standard Chartered Bank (Singapore) Limited **Category:** Bank (foreign) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.sc.com/sg **Bridging-loan page:** https://www.sc.com/sg/loans/home/bridging-loan/ **Last verified:** 2026-06-06 ## Notes Foreign bank with substantial SG mortgage book. Bridging facility commonly tied to SC home-loan products. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Standard Chartered's published bridging-loan page (https://www.sc.com/sg/loans/home/bridging-loan/). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/tradition-credit/summary.md # Tradition Credit **Legal entity:** Tradition Credit Pte Ltd **Category:** Moneylender (MinLaw-licensed) **Regulator:** Ministry of Law (Moneylenders Act 2008) **Website:** https://traditioncredit.com.sg **Bridging-loan page:** https://traditioncredit.com.sg/bridging-loan/ **Last verified:** 2026-06-06 ## Notes Licensed moneylender (not a MAS-regulated bank or finance company) offering bridging facilities. Different regulatory framework — verify current licence on MinLaw's Registry of Moneylenders before transacting. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from Tradition Credit's published bridging-loan page (https://traditioncredit.com.sg/bridging-loan/). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/lender/uob/summary.md # UOB **Legal entity:** United Overseas Bank Limited **Category:** Bank (local) **Regulator:** MAS (Banking Act 1970) **Website:** https://www.uob.com.sg **Bridging-loan page:** https://www.uob.com.sg/personal/loans/home-loans/bridging-loan.html **Last verified:** 2026-06-06 ## Notes Third local bank. Active mortgage book. Bridging loan typically priced against UOB board rate. ## Bridging-loan products offered ### 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. - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) ### Private 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. - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Pricing:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. - **Max principal:** Up to the equivalent of net sale proceeds from outgoing property ## Source attribution Lender facts compiled from UOB's published bridging-loan page (https://www.uob.com.sg/personal/loans/home-loans/bridging-loan.html). Specific rates, fees and eligibility quoted on application. Always verify current MAS / regulator licence status before transacting. *Generated 2026-06-12T09:38:16.734Z from src/data/sg-bridging-lenders.json. Re-pulled on every build.* --- ### https://bridgingloan.sg/api/product-type/ec-deferred-bridging/summary.md # EC deferred bridging loan For Executive Condominium (EC) buyers who can keep their existing HDB during the EC construction period under the Deferred Payment Scheme (DPS), then need to bridge the cash-flow gap between EC handover and HDB sale. A specialised use-case. ## Key facts - **Typical tenure:** Up to 6 months from EC handover (most lenders) - **Typical max principal:** Up to net sale proceeds from existing HDB - **Pricing model:** Same pricing logic as HDB bridging — pegged to lender's prime / SORA. Confirm directly. ## Typical fees - Standard bridging-loan fees apply - Additional EC-specific legal documentation may add to conveyancing cost ## Typical eligibility - EC TOP date approaching (typically within 6-12 months) - HDB sale arrangement firm - EC was purchased under the Deferred Payment Scheme - Available from a narrower subset of lenders than standard HDB or private-property bridging ## Key risks - Not all lenders offer EC deferred bridging — verify availability before signing the EC OTP - EC handover timelines can shift, affecting bridging window - Concurrent HDB ownership during construction is allowed for EC DPS — different rules than standard EC purchase ## Lenders offering EC deferred bridging loan - **GMG** (Broker-lender hybrid) — verified 2026-06-06 Page: https://gmg.asia/bridging-loan-singapore/ ## Source attribution Product-type facts compiled from each MAS-regulated lender's published bridging-loan page (linked above). This is a cross-lender editorial framework, not a binding product description. For binding rates and eligibility, contact the lender directly. *Generated 2026-06-12T09:38:16.734Z.* --- ### https://bridgingloan.sg/api/product-type/hdb-bridging/summary.md # 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. ## Key facts - **Typical tenure:** Up to 6 months from disbursement (most lenders); occasionally extendable - **Typical max principal:** Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) - **Pricing model:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. ## Typical fees - Legal fees (conveyancing): commonly SGD 1,500–3,000 - Valuation fee (if not bundled with onward mortgage): SGD 300–500 - Processing fee: varies by lender, sometimes waived if bundled with onward loan ## Typical eligibility - Option to Purchase (OTP) signed on the new property - Sale and Purchase agreement signed on the existing property OR firm sale arrangement in place - TDSR / MSR rules apply to the onward mortgage; bridging loan itself usually does not affect TDSR - Some lenders restrict to existing customers of their mortgage products ## Key risks - If your existing flat doesn't complete sale within the tenure window, you may need to extend or refinance — usually at materially higher interest rates - Interest accrues from disbursement until repayment from sale proceeds - Lock-in obligations on the onward mortgage may apply ## Lenders offering HDB bridging loan - **DBS Bank** (Bank (local)) — verified 2026-06-06 Page: https://www.dbs.com.sg/personal/loans/property-loans/bridging-loan - **OCBC Bank** (Bank (local)) — verified 2026-06-06 Page: https://www.ocbc.com/personal-banking/loans/bridging-loan - **UOB** (Bank (local)) — verified 2026-06-06 Page: https://www.uob.com.sg/personal/loans/home-loans/bridging-loan.html - **Standard Chartered** (Bank (foreign)) — verified 2026-06-06 Page: https://www.sc.com/sg/loans/home/bridging-loan/ - **Maybank Singapore** (Bank (foreign)) — verified 2026-06-06 Page: https://www.maybank2u.com.sg/en/personal/loans/property-loans/bridging-loan.page - **Hong Leong Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.hlf.com.sg/personal/loans/bridging-loan.html - **Singapura Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.singapurafinance.com.sg/personal-loans/bridging-loan/ - **Sing Investments & Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.sif.com.sg/personal-loans/bridging-loan - **Tradition Credit** (Moneylender (MinLaw-licensed)) — verified 2026-06-06 Page: https://traditioncredit.com.sg/bridging-loan/ - **GMG** (Broker-lender hybrid) — verified 2026-06-06 Page: https://gmg.asia/bridging-loan-singapore/ ## Source attribution Product-type facts compiled from each MAS-regulated lender's published bridging-loan page (linked above). This is a cross-lender editorial framework, not a binding product description. For binding rates and eligibility, contact the lender directly. *Generated 2026-06-12T09:38:16.734Z.* --- ### https://bridgingloan.sg/api/product-type/private-property-bridging/summary.md # Private 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. ## Key facts - **Typical tenure:** Up to 6 months (industry standard); occasionally extendable - **Typical max principal:** Up to the equivalent of net sale proceeds from outgoing property - **Pricing model:** Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. ## Typical fees - Legal fees (conveyancing): commonly SGD 2,000–4,000 for private property - Valuation fee: SGD 300–800 - Processing fee: varies ## Typical eligibility - OTP signed on incoming property - Sale arrangement (OTP signed or S&P executed) on outgoing property - Often offered only when bundled with the onward private-property mortgage from the same lender - Standard credit underwriting + TDSR on the onward mortgage ## Key risks - Private-property sale timelines are less predictable than HDB — buyer-side financing can fall through - Stamp duty and ABSD interaction can affect overall cash-flow needs - Currency / overseas-buyer transactions add operational complexity ## Lenders offering Private property bridging loan - **DBS Bank** (Bank (local)) — verified 2026-06-06 Page: https://www.dbs.com.sg/personal/loans/property-loans/bridging-loan - **OCBC Bank** (Bank (local)) — verified 2026-06-06 Page: https://www.ocbc.com/personal-banking/loans/bridging-loan - **UOB** (Bank (local)) — verified 2026-06-06 Page: https://www.uob.com.sg/personal/loans/home-loans/bridging-loan.html - **Standard Chartered** (Bank (foreign)) — verified 2026-06-06 Page: https://www.sc.com/sg/loans/home/bridging-loan/ - **Maybank Singapore** (Bank (foreign)) — verified 2026-06-06 Page: https://www.maybank2u.com.sg/en/personal/loans/property-loans/bridging-loan.page - **HSBC Singapore** (Bank (foreign)) — verified 2026-06-06 Page: https://www.hsbc.com.sg/loans/products/bridging/ - **Citibank Singapore** (Bank (foreign)) — verified 2026-06-06 Page: https://www.citibank.com.sg/personal/loans/home-loans - **Hong Leong Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.hlf.com.sg/personal/loans/bridging-loan.html - **Singapura Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.singapurafinance.com.sg/personal-loans/bridging-loan/ - **Sing Investments & Finance** (Finance company (NBFI)) — verified 2026-06-06 Page: https://www.sif.com.sg/personal-loans/bridging-loan - **Tradition Credit** (Moneylender (MinLaw-licensed)) — verified 2026-06-06 Page: https://traditioncredit.com.sg/bridging-loan/ - **GMG** (Broker-lender hybrid) — verified 2026-06-06 Page: https://gmg.asia/bridging-loan-singapore/ ## Source attribution Product-type facts compiled from each MAS-regulated lender's published bridging-loan page (linked above). This is a cross-lender editorial framework, not a binding product description. For binding rates and eligibility, contact the lender directly. *Generated 2026-06-12T09:38:16.734Z.* --- ## Part 2 — HTML pages (text-only) ### https://bridgingloan.sg/about/ About Bridging Loan Singapore — Independent Lender Comparison Surface Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · About About Bridging Loan Singapore Bridgingloan.sg is an independent comparison surface for the Singapore bridging-loan market. We are not a lender. We are not a MAS-licensed financial adviser or broker. We exist to make the public information about Singapore bridging-loan products structured, source-cited and easy to compare. What we do Every MAS-regulated bank and finance company in Singapore offering bridging facilities publishes a marketing page describing the product. We ingest these published pages into a structured catalogue covering 12 lenders and 3 product types (HDB / private property / EC deferred bridging), with every fact carrying a source URL back to the lender's published page and an ingestion-verified date. On top of that catalogue, we publish source-cited guides covering eligibility (with MAS Notice 645 TDSR / MSR framework cited), fees (with IRAS BSD / ABSD references), pricing models (with MAS SORA transition cited), and the product-type framework HDB-bridging / private / EC deferred. What we don't do We do not lend. We are not a bank, finance company or licensed moneylender. We do not provide financial advice. For personalised recommendations, consult a MAS-regulated mortgage broker or licensed financial adviser. We do not publish fabricated rates. Specific bridging-loan rates are quoted on application; we describe pricing-model mechanics, not invented numbers. We do not take exclusive distribution agreements. Every MAS-regulated lender is represented equally in the lender library, regardless of commercial arrangement. Compliance posture Bridgingloan.sg operates under Singapore law, including the Personal Data Protection Act 2012 (PDPA), the Consumer Protection (Fair Trading) Act (CPFTA), and ASAS advertising-standards guidance. Lead-collection forms carry plain-language PDPA consent text adjacent to the submit button (not a checkbox). Information submitted via /quotes/ is shared only with MAS-regulated mortgage brokers or lenders preparing your shortlist. Methodology Lender facts are ingested into a structured JSON catalogue (committed to the repo) and surfaced via per-lender pages and a comparison table. Every figure carries a SourceChip showing the source URL and verified date. See our methodology page for the full ingestion + verification pipeline. Contact General queries, corrections, partnership inquiries — hello@bridgingloan.sg . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/api/mcp/ MCP Server — Singapore Bridging Loan Lender Library API Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · MCP server Singapore bridging-loan MCP server The bridgingloan.sg Model Context Protocol server exposes the lender library to Claude desktop, AI agents and any MCP-aware tool. Anonymous. Rate-limited at 60 requests/minute per IP. Free. Endpoint JSON-RPC 2.0 over HTTP POST: https://bridgingloan.sg/api/mcp Spec: modelcontextprotocol.io 2024-11-05 5 tools lookup_lender(lender_slug) Get profile + products offered for a SG bridging-loan lender. list_active_lenders((none)) List every MAS-regulated SG bridging-loan lender (12 total). compare_lenders(a_lender, b_lender) Side-by-side comparison of two lenders. get_product_type(product_type_slug) Get product-type details — HDB / private / EC bridging — plus list of lenders offering it. sg_bridging_market_facts((none)) Structural facts about the SG bridging market — regulators (MAS, MinLaw), Banking Act 1970, Finance Companies Act 1967, Moneylenders Act 2008, TDSR, MSR, IRAS, HDB. Quick test (curl) curl -X POST https://bridgingloan.sg/api/mcp \ -H "Content-Type: application/json" \ -d '{"jsonrpc":"2.0","id":1,"method":"tools/list","params":{}}' Use with Claude Desktop Add to your claude_desktop_config.json in the mcpServers block. Use the mcp-remote proxy to bridge from Claude's stdio transport to our HTTP endpoint: { "mcpServers": { "bridgingloan-sg": { "command": "npx", "args": ["-y", "mcp-remote", "https://bridgingloan.sg/api/mcp"] } } } Restart Claude Desktop. The 5 tools appear under the bridgingloan-sg server. Ask Claude things like "use bridgingloan-sg to list every SG bridging-loan lender" or "compare DBS and OCBC bridging on bridgingloan-sg". Limits & SLA Rate limit: 60 requests per minute per IP. 429 on overflow. Anonymous. No API keys. Best-effort uptime. No formal SLA. The server runs as a Netlify Function reading from committed JSON files (no Supabase round-trip). Data source. Every fact ingested from MAS-regulated lender published bridging-loan pages + regulator references (MAS, HDB, IRAS, CPF Board, MinLaw). See /methodology/ . For commercial use Production use cases beyond anonymous browsing — authenticated access, higher rate limits, custom tools, bulk data feeds — email hello@bridgingloan.sg . Related machine-readable surfaces /llms.txt + /llms-full.txt — llmstxt.org-compliant discovery indexes /api/all-lenders.json — combined index of all 12 lenders /api/lender/{slug}/facts.json — per-lender static endpoint /api/lender/{slug}/summary.md — per-lender markdown /api/product-type/{slug}/facts.json — per-product-type endpoint Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-application-process/ Bridging Loan Application Process Singapore — Step-by-Step Walkthrough Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Application process Bridging loan application — step by step A full bridging-loan application takes 2-4 weeks from initial enquiry to disbursement. This guide walks through each step — documentation prep, lender selection, application submission, underwriting, facility letter, disbursement, and final repayment from sale proceeds. Step 1 — Pre-application preparation Before you formally apply, prepare: Credit Bureau Singapore report — order your CBS report (1 free per year at creditbureau.com.sg ) to spot any issues Income documentation — latest 3 months payslips, latest IRAS NOA, CPF contribution history Existing mortgage statement showing outstanding balance on your current property CPF withdrawal statement for the outgoing property Estimated sale price for your outgoing property (a recent valuation or comparable transactions) Step 2 — Lender selection Decide whether to approach lenders directly or via a MAS-regulated mortgage broker. Direct approach works when you have a clear lender preference (e.g. already banking with DBS, want DBS to handle everything). Broker approach surfaces parallel quotes from multiple lenders. For broker-led applications, the broker submits to multiple lenders simultaneously and reports back with quotes. Allows comparison on rate, fees, and bundling terms. See all SG bridging-loan lenders with source-cited bridging pages, or use the free shortlist tool to route to MAS-regulated brokers. Step 3 — Sign OTP on new property The bridging facility cannot be applied for until you have a firm commitment to the new property purchase. Most lenders require the Option to Purchase (OTP) signed on the new property as a precondition to submitting the application. Don't sign the OTP until you've had preliminary lender conversations confirming bridging is viable for your transaction profile. Step 4 — Firm sale arrangement on existing property The bridging facility is secured against expected sale proceeds. You need a firm sale arrangement on the existing property — typically OTP signed by your buyer, ideally with Sale & Purchase agreement executed. If your existing property isn't yet under firm sale, list it for sale immediately when you start the bridging discussion. Some lenders accept marketing-evidence in lieu of buyer-side OTP for the initial application but require buyer-side documentation before approval. Step 5 — Submit application Application documentation typically required: OTP / S&P on new property OTP / S&P on existing property (buyer-side) NRIC / passport Income documentation (payslips, NOA, CPF history) Credit Bureau Singapore report (if requested) Existing mortgage statement CPF withdrawal statement for outgoing property Valuation report on outgoing property (some lenders commission their own) Step 6 — Lender underwriting Lender underwriting takes 1-3 weeks depending on complexity. During this period the lender: Pulls Credit Bureau Singapore record Verifies income via CPF contribution history Commissions / accepts valuation on outgoing property Calculates TDSR on onward mortgage Calculates MSR if HDB / EC purchase Reviews buyer-side OTP / S&P on existing property May make follow-up requests for additional documentation Step 7 — Facility letter On approval the lender issues a facility letter specifying: Bridging principal amount Interest rate structure (prime + spread, SORA + spread, or fixed) Tenure (typically 6 months) Fees (legal, valuation, processing) Extension terms if sale completes late Refinancing options if applicable Acceptance deadline Review carefully, discuss any unclear terms with the lender, ideally with a property lawyer or mortgage adviser. Don't sign until extension and worst-case scenarios are documented. Step 8 — Disbursement at new-property completion When the new-property purchase completes, the bridging facility is drawn down and disbursed — typically directly to the seller's law firm to complete the purchase, in coordination with your conveyancing lawyer. Interest begins accruing from disbursement. Most facilities are interest-only — no principal repayments during the tenure. Step 9 — Existing-property sale completion + repayment When your existing property sale completes, sale proceeds are typically routed to discharge any existing mortgage on the outgoing property and then to repay the bridging facility principal + accrued interest. Any surplus is paid to you. This step is coordinated by the conveyancing law firm. Your involvement is primarily ensuring you've signed required documents and provided any final information requested. Frequently asked questions How long does a bridging-loan application take? From initial enquiry to disbursement, typical timeline is 2-4 weeks if all documentation is in order. Faster turnarounds (1-2 weeks) are possible with existing bank customers using a single lender. Foreign-buyer applications, complex property structures, or self-employed income documentation can extend the timeline. When should I start the bridging-loan application? Start discussions with potential lenders when you're actively shopping for a new property — typically when you're close to signing the OTP on the new property. Application proper begins once OTP is signed and you have transaction documentation. Don't wait until completion is imminent. Can I apply for bridging without taking the bank's onward mortgage? Some lenders offer bridging only to customers also taking the onward mortgage from them. Others offer standalone bridging facilities. Discuss with the specific lender or use a MAS-regulated mortgage broker to identify which lenders allow standalone bridging. What if my application is declined? Lender-side decline can reflect specific factors: credit profile, sale-side documentation issues, income evidence, transaction-specific risks. Mortgage brokers can help re-route to another lender with different appetite. The decline at one lender doesn't close off other options. How do I track application status? Most banks provide application reference numbers and adviser contact for status updates. Brokers act as intermediaries when applications are submitted via broker channels. Maintain weekly check-in contact with the lender adviser during the application period. Sources Application process drawn from MAS-regulated lender published bridging-loan documentation. CBS reports at creditbureau.com.sg . CPF contribution data at cpf.gov.sg . This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-calculator/ Bridging Loan Calculator Singapore — Interest, Fees & All-in Cost Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan calculator Bridging-loan cost calculator Estimate total interest, fees and all-in cost across the three SG bridging-loan pricing models. No email required. Inputs Bridging loan amount SGD 400,000 — typical SG bridging principal sized to expected net sale proceeds. Tenure (months) 6 months Industry-standard tenure across SG bridging is 6 months. Some lenders allow extension at materially higher rates. Pricing model Bank prime / board rate + spread Compounded SORA + spread Fixed rate (typical NBFI quote) The 3 standard SG bridging-loan pricing models. Banks typically quote prime/board or SORA; finance companies often quote fixed. Effective annual rate (%) Specific bridging rates in Singapore are quoted on application — this calculator works off a rate you enter for scenario planning. Property type (for fee estimate) HDB Private EC Processing fee (SGD, optional) Some lenders waive when bundled with the onward mortgage. Leave at 0 if unknown. Estimated cost Total interest ( 6 -mo) SGD 11,000 Typical one-off fees Legal / conveyancing SGD 1,500 – SGD 3,000 Valuation SGD 300 – SGD 500 Mid-point used in all-in: SGD 2,650 All-in cost (interest + fees mid-point) SGD 13,650 Get a shortlist Match to MAS-regulated brokers. Free. No obligation. Estimates only Specific bridging rates are quoted on application. Fee bands are industry-typical for SG bridging facilities, not a quote. Stamp duty (BSD / ABSD) is paid separately to IRAS per the published schedule and is not part of bridging interest. Not financial advice — verify rate + fee specifics with the lender or a MAS-licensed mortgage broker. How the calculation works Singapore bridging loans are interest-only over a 6-month tenure. There's no amortising principal repayment schedule — the principal is settled in a single lump sum when your existing property sale completes. So the interest calculation is straightforward: Total interest = Loan Amount × Annual Rate × (Months ÷ 12) Example: a SGD 400,000 bridging loan over 6 months at an effective 5.5% per annum: 400,000 × 0.055 × (6 ÷ 12) = SGD 11,000 interest Add typical one-off fees (legal SGD 1,500–4,000, valuation SGD 300–800, optional processing fee) to estimate all-in cost. Stamp duties on the new-property purchase (BSD and possibly ABSD per IRAS ) are separate and not part of bridging interest. The 3 SG bridging-loan pricing models Bank prime / board rate + spread — DBS, OCBC, UOB, Maybank, HSBC. The bank publishes a prime or board rate; bridging is quoted as that rate plus a spread (often expressed as "P + x%"). Moves with the bank's reference rate. Compounded SORA + spread — increasingly the standard for new SG property-loan products since the SOR-to-SORA transition completed. Bridging quoted as 1M or 3M compounded SORA + spread. See MAS SORA benchmark page for the underlying. Fixed rate (per-transaction) — common for finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) and specialist lenders. The rate is quoted as a single fixed effective % per annum for the 6-month tenure. What the calculator does not cover Stamp duties — BSD and ABSD are paid to IRAS on the new-property purchase per the IRAS published schedule . Not part of bridging interest. Onward mortgage cost — the bridging facility is separate from the main mortgage on the new property. Use a mortgage calculator for the onward loan. CPF interaction — if your outgoing property had CPF used, sale proceeds need to refund CPF (principal + accrued interest at 2.5%) per CPF Board rules before becoming available for bridging repayment. Late-completion charges — if your sale completes after the bridging tenure expires, most SG lenders apply a step-up rate or treat as a fresh facility. See /bridging-loan-rollover-singapore/ . Frequently asked questions How is bridging-loan interest calculated in Singapore? Interest = Loan Amount × Annual Rate × (Months / 12). Bridging loans are interest-only — the principal is repaid in a single lump sum when your existing property sale completes. With a 6-month tenure, total interest is simply half of (loan × annual rate). What rate should I input? Specific bridging rates are quoted on application by each MAS-regulated lender. Banks typically reference prime / board rate + spread or compounded SORA + spread. Finance companies often quote a fixed effective rate per transaction. Ask the broker or lender for the effective rate including any administrative loading. What fees are typical beyond interest? Legal/conveyancing (SGD 1,500–4,000 depending on property type), valuation (SGD 300–800), and a processing fee that some lenders waive when the bridging is bundled with the onward mortgage. Stamp duties (BSD and possibly ABSD per IRAS schedule) are paid separately on the new property purchase and are not part of bridging interest. Does this calculator give a binding quote? No. Estimates only — for scenario planning. To get an actual quote, apply via the lender directly or through a MAS-regulated mortgage broker. The /quotes/ shortlist tool routes to brokers for a no-obligation comparison. Related Compare bridging-loan rates — pricing-model framework + lender table Bridging-loan interest rate guide — full pricing-model explanation Bridging-loan fees in Singapore — fee table with regulator citations Bridging-loan rollover — what if the sale doesn't complete in 6 months Get a personalised shortlist Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-dbs/ DBS Bridging Loan Singapore — How It Works, Eligibility & Apply Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · DBS bridging loan DBS bridging loan in Singapore DBS is Singapore's largest local bank by total assets and mortgage book. Its bridging-loan product covers HDB and private property transitions, with the facility typically bundled with the onward DBS home loan. Source Official DBS bridging-loan page Source: Bank page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab What DBS offers DBS Bank 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 guide Private 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 guide Standard bridging-loan mechanics at DBS 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 DBS against other lenders DBS is one of 12 MAS-regulated SG bridging-loan lenders. To compare DBS'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 Does DBS offer bridging loans for both HDB and private property? Yes — DBS offers bridging facilities for both HDB resale transitions and private-property purchases. The bridging facility is most commonly extended to customers also taking the onward home loan from DBS. How do I apply for a DBS bridging loan? Apply via DBS digibank, through a DBS home-loan mortgage adviser, or via a MAS-regulated mortgage broker who can submit the application alongside the onward home-loan application. The bridging facility is approved transaction-by-transaction. What is the DBS bridging-loan interest rate? DBS 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. DBS 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 DBS 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 DBS bridging loan? Apply through a DBS mortgage adviser, directly via DBS's online channels (if available), or via a MAS-regulated mortgage broker who can compare DBS against other lenders in parallel. Source & verification All facts ingested from DBS Bank'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 DBS directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-eligibility-singapore/ Bridging Loan Eligibility Singapore — TDSR, MSR, HDB Rules & Lender Criteria Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan eligibility Bridging loan eligibility in Singapore Singapore bridging-loan eligibility sits on top of three regulatory layers: MAS rules for the onward mortgage (TDSR + MSR for HDB / EC), HDB rules for HDB transactions, and lender-specific underwriting on credit, income and the transaction itself. This page covers each layer with source citations. The 5 eligibility checks lenders make For a typical bridging-loan application, expect the lender to verify: Firm purchase commitment on the new property — typically a signed OTP and S&P agreement Firm sale arrangement on the existing property — OTP signed by your buyer or S&P executed Onward-mortgage approval on the new property (usually applied for in parallel with bridging) Income + credit underwriting via CPF contribution data, latest payslips or NOA (self-employed), and Credit Bureau Singapore report Lender-specific criteria — some banks require you to be taking the onward mortgage from them; some have minimum sale-proceeds thresholds MAS regulatory rules — TDSR and MSR The Total Debt Servicing Ratio (TDSR), set under MAS Notice 645, caps total monthly debt obligations at 55% of gross monthly income for property loans. TDSR applies to the onward mortgage on your new property — it is the binding ceiling for most borrowers. The short-tenure bridging facility itself is treated differently because it is secured against pending sale proceeds rather than ongoing income; lenders confirm specific bridging treatment at application. The Mortgage Servicing Ratio (MSR) caps monthly mortgage payments at 30% of gross monthly income, applicable to HDB flats and Executive Condominium (EC) units purchased directly from a developer. Private resale property is not subject to MSR — only TDSR applies there. References: MAS Notice 645 — TDSR computation framework ; MAS — Property loan regulations . HDB-specific eligibility (if either property is HDB) If your outgoing or incoming property is an HDB flat, HDB rules indirectly shape the bridging-window risk by determining when your sale can complete. Key HDB rules to be aware of: Minimum Occupation Period (MOP) — typically 5 years from key collection (10 years for prime-location HDB launched under the PLH framework). Sellers cannot sell before MOP expiry. Affects whether your sale can even proceed. HDB resale eligibility for buyers — Singapore Citizens or PRs only (with eligibility scheme rules). Ethnic Integration Policy (EIP) and Singapore Permanent Resident (SPR) quotas apply per block / neighbourhood. HDB Loan vs bank loan on HDB — different LTV, eligibility and pricing rules. HDB Loan uses HDB concessionary rate; bank loan uses bank pricing. HDB resale completion timeline — typically 12-20 weeks from S&P signing to completion, driven by HDB documentation processing. Current rules at hdb.gov.sg . EC eligibility rules at HDB — Executive Condominium framework . Income documentation For salaried applicants, expect lenders to request: Latest 3 months' payslips (sometimes 6 months for variable / bonus components) Latest Notice of Assessment (NOA) from IRAS CPF contribution history (from CPF Board's online portal) Letter of employment / contract if recently joined a new employer For self-employed applicants: 2 years' NOA from IRAS Bank statements demonstrating revenue and personal cash-flow stability Business registration documents (ACRA Bizfile profile) Some lenders apply a 30% haircut to self-employed income when calculating TDSR Credit underwriting Lenders pull your Credit Bureau Singapore (CBS) report, which reports outstanding facilities, repayment patterns, defaults and credit inquiries. The CBS Risk Grade (AA to HH) is one factor lenders weigh; specific cut-offs vary by lender and product. Order your CBS report (1 free per year) at creditbureau.com.sg before applying. Resolve any errors or stale records that could affect underwriting outcomes. Joint applications If the existing property is jointly owned, all co-owners typically need to sign the bridging-loan documentation and the sale documentation. Lenders may underwrite each co-applicant separately. If the new property is being purchased jointly, both buyers' incomes count toward TDSR / MSR calculations. Frequently asked questions What documents do I need for a Singapore bridging loan? Typically: signed Option to Purchase (OTP) on the new property; signed OTP or executed Sale & Purchase agreement on the existing property; NRIC / passport; latest income documentation (CPF contribution history, latest 3-6 months payslips or 2 years' Notice of Assessment for self-employed); existing-mortgage statement showing outstanding balance; CPF withdrawal statement for the outgoing property. Specific document requirements vary by lender. Does the bridging loan affect my TDSR? The Total Debt Servicing Ratio (MAS Notice 645) applies primarily to the onward mortgage on your new property. The short-tenure bridging facility itself is treated differently because it is secured against pending sale proceeds rather than ongoing income. Lenders confirm specific TDSR treatment at application — confirm with the bank when applying. What is MSR and when does it apply? Mortgage Servicing Ratio (MSR) caps monthly mortgage payments at 30% of gross monthly income, applicable to HDB flats and Executive Condominium (EC) units purchased directly from a developer. MSR is set by MAS for HDB loans (also enforced by HDB for HDB Loan products) and bank loans on HDB or new EC. Private property is not subject to MSR — only TDSR applies. Can I get a bridging loan if I'm self-employed? Yes — most MAS-regulated lenders accept self-employed applicants. Required income documentation is typically more extensive: 2 years' Notice of Assessment from IRAS, bank statements demonstrating cash-flow stability, and sometimes business registration documents. Some lenders apply a haircut to self-employed income when calculating TDSR. What credit-score threshold do I need? Singapore does not have a single published "credit score" the way some Western markets do. Lenders pull data from the Credit Bureau Singapore (CBS) which reports your credit history including outstanding facilities, repayment patterns, and any defaults. The CBS Risk Grade (AA to HH) is one factor lenders consider; specific cut-offs vary by lender and product. Order a free CBS report annually at creditbureau.com.sg . Can I bridge if my existing property is jointly owned? Yes — but all co-owners typically need to sign the bridging-loan documentation and the existing-property sale documentation. Lenders verify all co-owners' consent and may underwrite each separately. Discuss specifics with the lender before signing the OTP on the new property. What if my buyer pulls out of the existing-property sale? You may need to extend the bridging facility (at materially higher rates) or refinance into a longer-tenure facility while finding a new buyer. Plan for this contingency before signing the bridging facility letter — ask the lender about extension terms and reach a workable arrangement in advance. Does HDB have specific rules for bridging? HDB does not directly regulate private-sector bridging loans, but HDB does set the eligibility framework for HDB resale transactions (Minimum Occupation Period for sellers, eligibility for buyers, ethnic-integration quotas under EIP/SPR). HDB rules indirectly shape what your sale-completion timeline will look like and therefore the bridging-window risk. See hdb.gov.sg for current resale-eligibility rules. Sources TDSR / MSR framework from MAS published regulations (Notice 645 and related). HDB resale eligibility, MOP and EC rules from hdb.gov.sg . Credit Bureau Singapore reports at creditbureau.com.sg . CPF data from cpf.gov.sg . IRAS at iras.gov.sg . This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-fees-singapore/ Bridging Loan Fees Singapore — Legal, Valuation, Stamp Duty & Total Cost Breakdown Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan fees Singapore bridging loan fees & costs A bridging loan has more cost components than just the headline interest rate. This guide breaks down the typical fees you'll encounter — conveyancing, valuation, processing, stamp duty interaction — with industry-cited SGD ranges and source references. We use ranges rather than fabricated specifics because fees vary by lender and transaction. Fee ranges, not fabricated specifics The SGD ranges on this page reflect industry-typical pricing observed from law firms, lender published pages and CASE / consumer-protection guidance. Specific fees depend on the lender, law firm, and transaction details. Always obtain a written all-in-cost quote from the lender and law firm before committing. 1. Legal / conveyancing fees Conveyancing covers the legal work of transferring property ownership — drafting / reviewing the Sale & Purchase agreement, lodging caveats, discharging the existing mortgage, registering the new mortgage. Industry-typical ranges: HDB resale conveyancing — typically SGD 1,500-3,000 from external law firms; somewhat less if using HDB's appointed conveyancing service for straightforward transactions Private property conveyancing — typically SGD 2,000-4,000 for residential transactions; can run higher for landed, multi-party or trust-structured matters EC purchases — typically SGD 2,500-4,500 due to additional EC-specific documentation requirements The Law Society of Singapore publishes recommended fee guidance, but firms set their own rates. Always obtain written fixed-fee quotes from 2-3 firms before engaging. The Law Society directory is at lawsociety.org.sg . 2. Valuation fees Lenders typically require a professional valuation of the outgoing property (to verify expected sale proceeds) and sometimes the incoming property too. Industry-typical ranges: HDB resale valuation — typically SGD 300-500 Private property valuation — typically SGD 500-800; higher for landed and large condominium units Sometimes bundled into the onward home-loan application — if the same lender is handling both bridging and the onward mortgage, the valuation may be re-used or waived. Confirm with the lender. 3. Processing fees Lender-charged processing or facility-arrangement fees. Varies materially: Some banks waive processing fees when bridging is bundled with the onward mortgage from the same bank Finance companies and specialist lenders may charge a flat processing fee or percentage-of-facility fee Always confirm the processing-fee structure in writing before committing 4. Stamp duty interaction (BSD & ABSD) Stamp duty applies to the new-property purchase, not specifically to the bridging facility. But because bridging often involves owning two properties simultaneously, the stamp-duty implications matter for total cost planning. Buyer's Stamp Duty (BSD) Payable on every residential property purchase. BSD is a progressive marginal-rate schedule starting at 1% on the first SGD 180,000 of purchase price. Specific rates and tier thresholds are set by IRAS — see iras.gov.sg for the current schedule. Additional Buyer's Stamp Duty (ABSD) Applies when buying a second residential property while still owning the first. Rates depend on residency status (Singapore Citizen, PR, foreigner) and how many properties you already own. Current rates published by IRAS. ABSD remission is available to Singapore Citizen married couples in defined circumstances — including selling the first property within a remission window (currently 6 months from completion of the new property; verify current timeline at IRAS). Bridging-loan timing often aligns with this 6-month window: the bridging facility lets you complete the new-property purchase before selling the existing one, while staying within the remission window. ABSD rules are complex and consequential. Consult a Singapore property lawyer for advice specific to your transaction. IRAS current guidance at iras.gov.sg . 5. Interest cost Interest is typically the largest single cost component. Calculated on the disbursed amount × actual tenure × applicable rate. Most facilities are interest-only — no principal repayments during the tenure; principal repaid in a single lump sum from sale proceeds. For specific rate pricing models — prime + spread vs SORA-linked vs fixed — see the bridging-loan rates page . Specific rate is quoted on application. 6. Extension charges (if sale completes late) If your outgoing-property sale completes beyond the standard 6-month bridging tenure, the lender may charge a higher extension rate or arrangement fee. Discuss extension terms with the lender before signing the facility letter — understanding the cost of delay is important risk management. Total-cost worked example (illustrative ranges only) Illustrative HDB upgrader — actual costs vary by transaction: Conveyancing fees (HDB sale + private purchase): SGD 3,500 - 7,000 total Valuation fees: SGD 600 - 1,300 Processing fees: SGD 0 - 500 (sometimes waived if bundled) Interest cost over actual bridging tenure — varies by drawdown size, rate and weeks-to-repayment BSD on new property purchase — per IRAS schedule ABSD on new property if applicable (may be remittable under the SC married-couple remission framework) All figures are industry-typical ranges, not lender-specific quotes. Obtain written all-in-cost quotes from your lender and law firm. Frequently asked questions What are the total fees on a Singapore bridging loan? Beyond the interest cost on the bridging itself, expect: conveyancing / legal fees (commonly SGD 1,500–3,000 for HDB, SGD 2,000–4,000 for private property), valuation fee (SGD 300–800), processing fees (varies by lender, sometimes waived if bundled with the onward mortgage), and any extension charges if your sale completes late. Property-transition stamp duties (BSD, ABSD) apply to the new-property purchase, not specifically to the bridging facility. How much are legal fees for HDB conveyancing? HDB resale legal fees vary by law firm but commonly fall in the SGD 1,500–3,000 range for a straightforward transaction. Some firms publish fixed-fee schedules; others quote per matter. Always obtain a fixed-fee quote in writing before engaging. Reference: HDB published guidance on legal fees and the Law Society of Singapore directory of conveyancing firms. How much are legal fees for private property? Private property conveyancing typically runs SGD 2,000–4,000 for residential transactions, sometimes higher for complex matters (overseas buyers, trust structures, multiple parties). Fees vary by law firm. The Law Society publishes recommended fee guidance but firms set their own rates. What is Buyer's Stamp Duty (BSD)? BSD is payable on every residential property purchase in Singapore. It applies to the new-property purchase, not specifically to the bridging facility. BSD rates as published by IRAS are progressive: a marginal-rate schedule starting at 1% on the first SGD 180,000 of purchase price and rising to higher marginal rates on amounts above defined thresholds. See IRAS published BSD schedule for current rates. What is Additional Buyer's Stamp Duty (ABSD)? ABSD applies when buying a second (or higher) residential property while still owning the first. Rates depend on residency status (Singapore Citizen, PR, foreigner) and how many properties you already own. Current rates published by IRAS at iras.gov.sg . SC buyers who sell their first property within a specified ABSD remission window may apply for ABSD remission — bridging-loan timing often aligns with this window. Consult a property lawyer for ABSD-specific guidance on your transaction. Can ABSD be remitted if I sell the existing property? Yes — ABSD remission is available to Singapore Citizen married couples buying a second residential property when both spouses meet eligibility criteria, including selling the first property within the remission window (currently 6 months from completion of the new property under IRAS rules — verify current timeline at IRAS). Bridging loans frequently align with this 6-month window. See IRAS ABSD remission guidance for current rules and documentation requirements. Are there any hidden bridging-loan fees? Most lenders publish their fee schedules on the bridging-loan page. Watch for: early-repayment charges (rare on bridging, but check), administrative fees on facility extension if your sale runs late, and CPF discharge / lodgement fees (typically nominal but real). Always request a written all-in-cost quote before signing. How is bridging-loan interest calculated? Interest typically accrues daily from disbursement at the agreed rate (prime + spread, SORA + spread, or fixed) and is paid in a single lump sum at repayment from sale proceeds. Most bridging facilities are interest-only — no principal repayments during the tenure. Confirm the specific interest-calculation method with the lender at application. Sources Conveyancing fee ranges drawn from law firm published fee schedules and industry observation; Law Society of Singapore guidance referenced. BSD and ABSD schedules from IRAS . HDB rules from hdb.gov.sg . Lender-specific fees from each lender's published bridging-loan page. CPF withdrawal interaction from cpf.gov.sg . This page is informational only and does not constitute financial, legal or tax advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-foreigners-singapore/ Bridging Loan Singapore for Foreigners — Residential Property Act, ABSD & Lender Eligibility Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · For foreigners Bridging loan in Singapore for foreigners Foreign buyers of Singapore property face structurally tighter rules than Citizens or Permanent Residents — Residential Property Act restrictions on property type, foreigner-specific ABSD rates, and narrower lender appetite for foreigner-bridging facilities. This guide covers what's actually available and the realistic path through. Consult a Singapore property lawyer before signing Foreigner property purchases in Singapore have complex interactions with the Residential Property Act, ABSD framework, and lender underwriting. Engage a Singapore-qualified property lawyer for advice specific to your residency status, source-of-funds, and target property before signing any OTP. What foreigners can and cannot buy Under the Residential Property Act 1976: Can buy: Condominium units, strata-titled apartments, certain commercial-residential developments Restricted (need Singapore Land Authority approval): Landed residential property outside Sentosa Cove. SLA approval is rarely granted Can buy on Sentosa Cove: Landed residential property within Sentosa Cove zone is available to foreigners without RPA restriction Cannot buy: HDB flats (resale or BTO), most landed residential property outside Sentosa Reference: Singapore Land Authority published guidance on RPA at sla.gov.sg . Foreigner ABSD rates Foreigner buyers of residential property in Singapore are subject to ABSD at foreigner-specific rates, materially higher than SC and PR rates. The foreigner ABSD rate has been increased multiple times in the past decade as part of the Singapore property-cooling-measures framework. Current rate at iras.gov.sg . ABSD is a material cost — for a SGD 2,000,000 condominium purchase, foreigner ABSD typically runs into hundreds of thousands of SGD. Budget this in addition to the down-payment, BSD, and any bridging-loan interest cost. Bridging-loan availability for foreigners Lender appetite for foreigner bridging facilities is materially narrower than for SC / PR applicants. Practical observations: EP holders with stable SG-side income are typically the most eligible foreigner category. Lenders are familiar with the EP framework. Non-resident foreigners (buying without an SG visa) face the narrowest lender appetite. Some lenders refuse bridging facilities entirely. HSBC, Citi, Standard Chartered — global banks with established foreigner-mortgage businesses may be more receptive than local banks for some foreigner profiles. Verify with the specific lender. Documentation requirements are more extensive — overseas income proof, source-of-funds, anti-money-laundering checks, longer application time Loan-to-value may be capped lower for foreigner applicants — some lenders limit non-resident foreigners to 50-60% LTV on the onward mortgage Common foreigner bridging scenarios Scenario 1: EP holder upgrading from condo to condo — Most workable foreigner scenario. SG-side income, established credit, sale arrangement on existing condo. Bridging facility broadly available subject to standard underwriting plus EP-specific documentation. ABSD applies at foreigner rate. Scenario 2: Non-resident foreigner buying SG investment property — Materially harder. Lenders may decline bridging entirely. ABSD at foreigner rate. Application typically requires substantial overseas-funded down-payment. Bridging usually not the right instrument; non-resident buyers often bring cash from sale of overseas property instead. Scenario 3: Foreigner relocating from overseas to SG — Selling overseas property, buying SG property. Bridging from a SG lender against overseas-property sale proceeds is rarely available — overseas property sale proceeds aren't typically acceptable security for a SG bridging facility. Alternative: take a longer-tenure SG mortgage on the new property, repay from overseas-sale proceeds when they arrive. Frequently asked questions Can a foreigner buy property in Singapore? Foreigners can buy most private residential property (condominium units, strata-titled property) in Singapore. Landed residential property is restricted under the Residential Property Act 1976 — foreigners need to apply for and obtain Singapore Land Authority approval, which is rarely granted outside Sentosa Cove. Foreigners cannot buy HDB resale or any property under HDB. Can a foreigner get a bridging loan in Singapore? Possibly, but materially harder than for Singapore Citizens or PRs. Lender appetite for foreign-buyer bridging facilities is narrower. Foreigner-specific underwriting checks apply: residency status, source of income, ability to demonstrate Singapore-side documentation. Some lenders restrict bridging entirely to Singapore residents. Consult a MAS-regulated mortgage broker before signing OTP on a Singapore property if you'll need bridging. What ABSD applies to foreigners? Foreigner buyers of residential property in Singapore are subject to ABSD at foreigner-specific rates — currently materially higher than SC or PR rates, as published by IRAS. The foreigner ABSD rate has been increased multiple times in the past decade and remains a material cost component. Verify current rate at iras.gov.sg. Does the Residential Property Act restrict foreigners? Yes. The Residential Property Act 1976 restricts foreigner ownership of landed residential property and certain other property types. Foreigners can buy: condominium units, strata-titled apartments, and (with SLA approval) certain landed properties in defined zones. Foreigners cannot buy: HDB flats, most landed residential property outside Sentosa Cove without SLA approval. Consult a Singapore property lawyer for application to your specific scenario. What documentation do foreigner applicants need? Typically more extensive than for SC / PR applicants: passport, visa or pass documentation (Employment Pass, Personalised Employment Pass, etc.), proof of overseas income (foreign tax returns, payslips, bank statements), evidence of source of funds (anti-money-laundering checks), Singapore tax-resident status if applicable, and overseas-bank documentation. Application takes longer than for SC / PR buyers. Can I use overseas income for the TDSR calculation? Lenders often apply a haircut to overseas income when calculating TDSR. Foreign-currency income may be converted at a conservative rate. Some lenders prefer SG-side income for TDSR purposes. Discuss with the lender or broker before submitting the application. What if I have a Singapore Employment Pass? EP holders are typically the most-eligible foreigner category for SG property purchases — lenders are familiar with the framework. EP holders pay foreigner ABSD rates (same as other foreigners) but can access most private residential property. Bridging-loan eligibility is materially better than for non-resident foreigners. Is HDB available to foreigners at all? No. HDB resale is restricted to Singapore Citizens and PRs under defined eligibility schemes. Foreigners cannot buy HDB flats under any framework. Foreigner property options in Singapore are limited to private residential property subject to Residential Property Act rules. Sources Residential Property Act 1976 from Singapore Land Authority . Foreigner ABSD rates from IRAS . Lender underwriting practices from MAS-regulated bank published bridging-loan pages. This page is informational only and does not constitute financial or legal advice — consult a Singapore-qualified property lawyer for foreigner property-purchase scenarios. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-gmg/ GMG Bridging Loan Singapore — Broker-Lender Hybrid Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · GMG bridging loan GMG bridging loan in Singapore GMG operates as a hybrid broker-lender in the Singapore property-financing market. For some bridging facilities GMG acts as principal lender; for others it acts as broker routing inquiries to MAS-regulated bank facilities. Confirm whether GMG is acting as principal or intermediary on any specific transaction before signing. Source Official GMG bridging-loan page Source: Bank page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab What GMG offers GMG provides bridging facilities for 3 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 guide Private 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 guide EC deferred bridging loan For Executive Condominium (EC) buyers who can keep their existing HDB during the EC construction period under the Deferred Payment Scheme (DPS), then need to bridge the cash-flow gap between EC handover and HDB sale. A specialised use-case. EC deferred bridging loan guide Standard bridging-loan mechanics at GMG 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 GMG against other lenders GMG is one of 12 MAS-regulated SG bridging-loan lenders. To compare GMG'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 GMG a bank? No — GMG operates as a hybrid broker-lender. On some facilities GMG is the principal lender; on others GMG acts as broker routing inquiries to MAS-regulated banks. Always confirm GMG's specific role on your transaction in writing. How do I know if GMG is lending directly or brokering? Ask GMG to disclose, in writing, on each facility offer: whether GMG is acting as principal lender or as broker; if broker, which underlying lender(s) the facility routes to; what GMG's referral / commission arrangement is with the underlying lender. Transparency on intermediary role is important in property-financing transactions. What is the GMG bridging-loan interest rate? GMG 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. GMG 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 GMG 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 GMG bridging loan? Apply through a GMG mortgage adviser, directly via GMG's online channels (if available), or via a MAS-regulated mortgage broker who can compare GMG against other lenders in parallel. Source & verification All facts ingested from GMG'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 GMG directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-hong-leong-finance/ Hong Leong Finance Bridging Loan Singapore — Finance Company Guide Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Hong Leong Finance bridging loan Hong Leong Finance bridging loan in Singapore Hong Leong Finance is the largest of Singapore's three MAS-regulated finance companies, supervised under the Finance Companies Act 1967. HLF maintains an active property-lending book, including bridging facilities for both HDB and private-property transitions. Finance companies often have more flexible eligibility criteria than banks. Source Official Hong Leong Finance bridging-loan page Source: Bank page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab What Hong Leong Finance offers Hong Leong 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 guide Private 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 guide Standard bridging-loan mechanics at Hong Leong 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 Hong Leong Finance against other lenders Hong Leong Finance is one of 12 MAS-regulated SG bridging-loan lenders. To compare Hong Leong 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 Hong Leong Finance a bank? No — Hong Leong Finance is a MAS-regulated finance company, supervised under the Finance Companies Act 1967 (a different regulatory framework from the Banking Act 1970 that governs banks). Finance companies in Singapore offer many of the same products as banks (loans, deposits) under MAS supervision but operate under a separate licensing regime. How does HLF bridging pricing compare to banks? HLF prices bridging facilities per transaction. Specific rates and fee structures are quoted on application. Finance-company pricing is sometimes more flexible than banks, particularly for borrowers whose situations don't fit a standard bank-loan profile. What is the Hong Leong Finance bridging-loan interest rate? Hong Leong 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. Hong Leong 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 Hong Leong 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 Hong Leong Finance bridging loan? Apply through a Hong Leong Finance mortgage adviser, directly via Hong Leong Finance's online channels (if available), or via a MAS-regulated mortgage broker who can compare Hong Leong Finance against other lenders in parallel. Source & verification All facts ingested from Hong Leong 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 Hong Leong Finance directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-hsbc/ HSBC Bridging Loan Singapore — For Premier & Private Property Buyers Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · HSBC bridging loan HSBC bridging loan in Singapore HSBC is a global bank with a SG presence focused on Premier and Jade segments. Its bridging-loan facility is targeted primarily at private-property transitions for existing HSBC customers. Source Official HSBC bridging-loan page Source: Bank page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab What HSBC offers HSBC Singapore provides bridging facilities for 1 product type: Private 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 guide Standard bridging-loan mechanics at HSBC 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 HSBC against other lenders HSBC is one of 12 MAS-regulated SG bridging-loan lenders. To compare HSBC'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 HSBC bridging available for HDB upgraders? HSBC's bridging facility is primarily oriented toward private-property transitions rather than HDB resale upgraders. HDB-focused bridging is more commonly sourced from local banks or finance companies. Confirm specific availability with HSBC directly. Does HSBC offer bridging to non-Premier customers? HSBC bridging is typically targeted at HSBC Premier and Jade-tier customers, often in conjunction with the broader wealth-management relationship. Eligibility for non-Premier customers varies and should be confirmed with HSBC directly. What is the HSBC bridging-loan interest rate? HSBC 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. HSBC 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 HSBC 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 HSBC bridging loan? Apply through a HSBC mortgage adviser, directly via HSBC's online channels (if available), or via a MAS-regulated mortgage broker who can compare HSBC against other lenders in parallel. Source & verification All facts ingested from HSBC Singapore'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 HSBC directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-interest-rate/ Bridging Loan Interest Rate Singapore — How Bridging Rates Are Priced 2026 Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan interest rate Bridging loan interest rates in Singapore — how pricing works Singapore bridging-loan rates are not published as fixed percentages on lender marketing pages. They're quoted on application, priced against either the lender's prime rate or against SORA. This guide explains the pricing models, what to ask for in the quote, and how to compare across lenders. No public rate table We deliberately do not publish a fabricated "current bridging-loan rate" table. Every bridging facility in Singapore is quoted on application; published numbers would be either out of date or inaccurate for your specific transaction. This page documents the pricing mechanics ; for a current quote, contact the lender or use the free shortlist tool . Two pricing models you'll see 1. Prime-rate / board-rate linked Used by most major Singapore banks. The bridging facility is quoted as the bank's prime/board rate plus a transaction-specific spread (for example, "Bank prime plus a margin determined at application"). The prime rate is published by the bank; the spread varies by transaction and is the bank's room to flex. When prime rate changes , the bridging rate changes by the same amount. Banks revise their prime when prevailing wholesale funding costs shift — irregular but real. 2. SORA-linked SORA (Singapore Overnight Rate Average) is the SG benchmark interest rate, calculated daily by MAS. SORA-linked bridging facilities quote as "Compounded SORA + spread" or "1M / 3M SORA + spread". The compounding window resets at defined intervals. SORA moves more frequently than bank prime rates because it reflects daily monetary conditions. For a 6-month tenure, modest SORA moves can shift your total interest cost — build in a small buffer. 3. Fixed-rate (some non-bank lenders) Some MAS-regulated finance companies and specialist lenders quote a fixed rate per transaction, locked at disbursement. Removes interest-rate-direction risk during the tenure but typically priced at a premium over equivalent bank facilities. What to ask for in a bridging-loan quote When you contact a lender for a bridging-loan quote, ask for: Reference rate used (prime, SORA, or fixed) and the current value Spread over the reference for your transaction Whether the rate is locked or floats during the bridging tenure Indicative total interest cost for your expected drawdown amount × expected tenure Extension-charge rate if the existing sale completes late All-in cost breakdown including legal, valuation, processing fees Bundle discount if you're also taking the onward mortgage from the same lender Why bridging rates are higher than home-loan rates Bridging facilities are typically priced at a small premium over the same lender's published home-loan rates. Reasons: Short-tenure facilities carry higher operational overhead per dollar lent Underwriting is transaction-specific rather than standardised The bank is exposed to completion-timing risk on the outgoing sale Bridging facilities are not typically eligible for the same wholesale-funding economics as 30-year mortgages Get a current quote from MAS-regulated lenders See all 12 lenders for direct contact details, or use the free shortlist tool to receive quotes from MAS-regulated mortgage brokers in parallel. Frequently asked questions What is the bridging loan interest rate in Singapore right now? There is no single published bridging-loan rate that applies across the SG market. Each lender prices on a different basis (prime/board rate plus a spread, SORA plus a spread, or fixed per-transaction). Specific rate is quoted on application after the lender reviews your transaction. Banks rarely publish fixed %ages on their bridging-loan marketing pages. Why don't banks publish a fixed bridging-loan rate? Bridging facilities are short-term and underwritten case-by-case. Factors include the bank's prevailing prime rate, the SORA reference if applicable, whether you're also taking the onward mortgage, your overall credit profile, and the transaction specifics. Banks typically prefer to quote at application rather than commit a public rate that may shift before you transact. Prime-rate vs SORA-linked bridging — which is better? Depends on rate-direction expectations and your tenure exposure. SORA moves more frequently and can be cheaper when rates are falling, more expensive when rising. Prime/board rate is more stable but lags market moves. For a 6-month bridging tenure, the difference is typically modest because the window is short. How much can rates change during the 6-month tenure? For prime-rate-linked facilities, rates can change when the bank revises its prime. For SORA-linked facilities, rates can move with each SORA reset. For fixed-rate facilities (mostly non-bank lenders), the rate is locked at disbursement. Build a small buffer into your interest-cost budget. Is the bridging rate higher than a normal home loan rate? Typically yes — bridging is short-term, unsecured against permanent property collateral, and the operational overhead per dollar is higher. Banks often price bridging at a small premium over their published home-loan rates. Can I negotiate the bridging loan rate? Some. Banks have more flexibility when you're also taking the onward mortgage from them — bundling improves your negotiating position. Non-bank lenders are typically more rigid on rate but may be more flexible on eligibility. Brokers can negotiate on your behalf across multiple lenders. What other charges affect the all-in cost? Legal / conveyancing fees (SGD 1,500-4,000), valuation fee (SGD 300-800), processing fees, and any extension charges if the existing-property sale completes late. The "rate" by itself is only one cost component. How do I get a current quote? Either approach a lender directly via their bridging-loan page, or use the free shortlist tool to receive quotes from MAS-regulated mortgage brokers who can compare across multiple lenders in parallel. Sources Rate-pricing mechanics drawn from each MAS-regulated lender's published bridging-loan page and home-loan documentation. SORA published by MAS at eservices.mas.gov.sg/statistics . This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-maybank/ Maybank Bridging Loan Singapore — How It Works Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Maybank bridging loan Maybank bridging loan in Singapore Maybank is the SG arm of the Malaysian banking group. It maintains an active bridging-loan product alongside its mortgage range, with the facility most commonly offered through Maybank mortgage advisers. Source Official Maybank bridging-loan page Source: Bank page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab What Maybank offers Maybank Singapore 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 guide Private 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 guide Standard bridging-loan mechanics at Maybank 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 Maybank against other lenders Maybank is one of 12 MAS-regulated SG bridging-loan lenders. To compare Maybank'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 Does Maybank offer bridging for HDB transitions? Yes — Maybank offers bridging facilities for both HDB resale and private-property transitions. Applications are typically routed through the Maybank home-loan team. Is Maybank's bridging facility competitive? Maybank prices its bridging facility against bank reference rates; competitiveness varies by transaction and timing. Mortgage brokers can compare Maybank quotes against other lenders in parallel — use the free shortlist tool to receive comparisons. What is the Maybank bridging-loan interest rate? Maybank 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. Maybank 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 Maybank 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 Maybank bridging loan? Apply through a Maybank mortgage adviser, directly via Maybank's online channels (if available), or via a MAS-regulated mortgage broker who can compare Maybank against other lenders in parallel. Source & verification All facts ingested from Maybank Singapore'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 Maybank directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-ocbc/ OCBC Bridging Loan Singapore — Product Guide & Application Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · OCBC bridging loan OCBC bridging loan in Singapore OCBC is Singapore's second-largest local bank with strong adviser-channel distribution. Its bridging-loan product is commonly bundled with the onward OCBC mortgage and serviced through the same adviser team. Source Official OCBC bridging-loan page Source: Bank page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab What OCBC offers OCBC Bank 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 guide Private 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 guide Standard bridging-loan mechanics at OCBC 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 OCBC against other lenders OCBC is one of 12 MAS-regulated SG bridging-loan lenders. To compare OCBC'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 OCBC bridging loan available for HDB and private? Yes — OCBC offers bridging for both HDB and private-property transitions. Most applications come through OCBC mortgage advisers as part of the broader home-loan package. How is OCBC bridging-loan rate calculated? OCBC bridging-loan rates are quoted on application. Banks typically price bridging against their prime/board rate or SORA-linked benchmark; specific rate depends on the transaction. Confirm with OCBC directly or via a mortgage broker. What is the OCBC bridging-loan interest rate? OCBC 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. OCBC 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 OCBC 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 OCBC bridging loan? Apply through a OCBC mortgage adviser, directly via OCBC's online channels (if available), or via a MAS-regulated mortgage broker who can compare OCBC against other lenders in parallel. Source & verification All facts ingested from OCBC Bank'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 OCBC directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-rates-singapore/ Bridging Loan Rates Singapore 2026 — Pricing Models & How to Get a Quote Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan rates Bridging loan rates in Singapore — what's published, what's not Singapore bridging-loan rates are not published as fixed percentages on lender marketing pages. Banks quote against their prime / board rate or against SORA; finance companies price per-transaction. This page covers the pricing models in use across 12 MAS-regulated lenders, what to ask for in a quote, and where to obtain current numbers. No fabricated rate table on this page We deliberately do not publish a "current bridging-loan rate" table because every facility in Singapore is quoted on application; any published rate would be either out-of-date or inaccurate for your specific transaction. This page documents how the pricing actually works ; for a current quote, contact the lender directly or use the free shortlist tool . Three pricing models in use across SG lenders 1. Prime / board-rate-linked (most banks) Quoted as the bank's prime or board rate plus a transaction-specific spread. The prime rate is published by the bank; it can revise when wholesale funding conditions shift. The spread reflects the bank's underwriting view on your transaction. Used by most of the major Singapore banks: DBS, OCBC, UOB, Standard Chartered, Maybank. 2. SORA-linked Quoted as compounded SORA (Singapore Overnight Rate Average) plus a spread, with defined reset windows. SORA is the benchmark interest rate published daily by MAS and is now the preferred benchmark for new SG home-loan products following the SOR/SIBOR transition framework published by MAS. SORA-linked bridging is offered by selected banks; specific tenor (1-month SORA, 3-month SORA) and reset frequency vary. Reference: MAS — Transition from SOR to SORA . 3. Fixed-rate (some finance companies) Some MAS-regulated finance companies and specialist lenders quote a fixed rate per transaction, locked at disbursement. Removes interest-rate-direction risk during the 6-month tenure but is typically priced at a premium over equivalent prime-linked bank facilities. What to ask for in a rate quote When contacting a lender for a bridging-loan quote, ask for: The reference rate used (prime, SORA, or fixed) and its current published value The spread over the reference for your transaction Whether the rate is locked at disbursement or floats during the tenure Indicative total interest cost for your expected drawdown amount × expected tenure (in SGD, not just a %) Extension-charge rate if the existing-property sale completes beyond the 6-month tenure All-in cost breakdown including legal, valuation, and any processing fees Any bundle discount available if you're also taking the onward mortgage from the same lender Lenders by pricing-model family 12 MAS-regulated SG bridging-loan lenders, grouped by primary pricing-model family. Click any lender for its full profile with the published bridging-loan page link. 7 banks — prime / board-rate or SORA-linked Lender Category Source page DBS Bank Bank (local) Source: Page ↗ DBS Bank bridging page Verified 6 Jun 2026 Opens in a new tab OCBC Bank Bank (local) Source: Page ↗ OCBC Bank bridging page Verified 6 Jun 2026 Opens in a new tab UOB Bank (local) Source: Page ↗ UOB bridging page Verified 6 Jun 2026 Opens in a new tab Standard Chartered Bank (foreign) Source: Page ↗ Standard Chartered bridging page Verified 6 Jun 2026 Opens in a new tab Maybank Singapore Bank (foreign) Source: Page ↗ Maybank Singapore bridging page Verified 6 Jun 2026 Opens in a new tab HSBC Singapore Bank (foreign) Source: Page ↗ HSBC Singapore bridging page Verified 6 Jun 2026 Opens in a new tab Citibank Singapore Bank (foreign) Source: Page ↗ Citibank Singapore bridging page Verified 6 Jun 2026 Opens in a new tab 3 MAS-regulated finance companies — often fixed-rate Lender Category Source page Hong Leong Finance Finance company (NBFI) Source: Page ↗ Hong Leong Finance bridging page Verified 6 Jun 2026 Opens in a new tab Singapura Finance Finance company (NBFI) Source: Page ↗ Singapura Finance bridging page Verified 6 Jun 2026 Opens in a new tab Sing Investments & Finance Finance company (NBFI) Source: Page ↗ Sing Investments & Finance bridging page Verified 6 Jun 2026 Opens in a new tab 2 other lenders — different regulatory frameworks Lender Category Source page Tradition Credit Moneylender (MinLaw-licensed) Source: Page ↗ Tradition Credit bridging page Verified 6 Jun 2026 Opens in a new tab GMG Broker-lender hybrid Source: Page ↗ GMG bridging page Verified 6 Jun 2026 Opens in a new tab Frequently asked questions What are bridging loan rates in Singapore right now? No single published rate applies across the SG market. MAS-regulated banks quote bridging facilities on application, typically pegged to the bank's prime / board rate or to a SORA-linked benchmark. Specific rates vary by lender, transaction details, and whether the bridging is bundled with the onward home loan. There is no public rate table because facilities are underwritten case-by-case. Why don't lenders publish a fixed bridging-loan rate? Bridging is a short-tenure, transaction-specific facility. Lender pricing reflects the bank's prevailing prime rate (which can revise), the SORA reference where applicable, your overall credit position, transaction size, and whether you're also taking the onward mortgage from the same lender. Publishing a single headline rate would either be quickly stale or inaccurate for most transactions. How is SORA used to price bridging loans? SORA (Singapore Overnight Rate Average) is the Singapore benchmark interest rate, published daily by MAS. SORA-linked bridging facilities quote as "Compounded SORA + spread" or "1M / 3M SORA + spread" with reset windows. SORA replaced SIBOR as the preferred benchmark for SG home-loan pricing — see the MAS published transition framework. What's the difference between prime-rate and SORA-linked pricing? Bank prime/board rates are published by the bank and adjusted at the bank's discretion when wholesale funding conditions shift — typically irregular but discrete moves. SORA moves daily with monetary conditions. For a 6-month bridging tenure, modest SORA moves typically contribute only small total-interest variation; prime-rate revisions during a single tenure are uncommon. Do non-bank lenders price bridging differently? Yes. The three MAS-regulated finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) price per transaction, often with fixed rates locked at disbursement. Licensed moneylenders (regulated by MinLaw under the Moneylenders Act 2008, not by MAS) price under a different regulatory framework with different cost caps. How do I get a current bridging-loan rate quote? Contact lenders directly via their published bridging-loan page, work with a MAS-regulated mortgage broker who can quote across multiple lenders, or use the free shortlist tool. A broker comparing 3-5 lenders in parallel often surfaces better pricing than approaching a single lender. Are bridging-loan rates higher than home-loan rates? Typically yes — bridging is a short-tenure facility with higher operational overhead per dollar and is exposed to completion-timing risk on the outgoing property sale. Banks frequently price bridging at a small premium over their published home-loan rates. What other charges affect total cost? Beyond the headline rate: legal / conveyancing fees (commonly SGD 1,500–4,000 depending on property type), valuation fee (SGD 300–800), processing fees (varies, sometimes waived if bundled with onward mortgage), and any extension charges if your existing-property sale completes late. See the bridging loan fees guide for the full breakdown. Sources & methodology Lender pricing-model information drawn from each MAS-regulated lender's published bridging-loan page (linked per row). SORA / SOR transition framework from MAS . MAS Financial Institutions Directory licence verification at eservices.mas.gov.sg/fid . This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-rollover-singapore/ Bridging Loan Rollover Singapore — What Happens When Your Sale Doesn't Complete in 6 Months Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan rollover Bridging loan rollover — what happens when your sale doesn't complete in 6 months The Singapore bridging-loan industry-standard tenure is 6 months. In most transactions, that's plenty of time — HDB resale completes in 12-20 weeks and private sales typically complete within the window too. But when timing slips, you face a rollover decision. This guide covers the three options, the extension-cost reality, and how to prevent the scenario in the first place. Plan for rollover before you sign Discuss extension and refinancing terms with the lender when you sign the original facility letter — not when the tenure is about to expire. Your negotiating leverage is materially better before you've taken disbursement. When and why rollover happens Common causes of bridging-loan tenure overrun in Singapore: Buyer financing falls through. Your buyer's mortgage approval fails late in the process; you find a new buyer; timeline restarts. HDB documentation processing. HDB resale completion timelines depend on HDB's processing queues; can extend in busy periods. Price reduction needed. If listed price doesn't match current market, you may need to re-list at a lower price — extending the marketing period. Conveyancing complications. Title defects, encumbrance disputes, or related-party complications can extend completion. Buyer side requesting extension. Sometimes the buyer requests a longer completion window for their own reasons. Three options when rollover looms 1. Extend the bridging facility Most MAS-regulated SG lenders allow bridging facility extensions in defined circumstances. Expect: Materially higher rate during the extension window (often double-digit basis-point spread increase) Arrangement / extension fee charged at extension-grant Lender may require updated sale documentation (revised buyer OTP, evidence of marketing efforts) Extension typically capped at a defined maximum window — 1-3 months is common Extension is the simplest option when you have a firm buyer and just need more time for the sale to complete. 2. Refinance into a term loan Some lenders allow conversion of an unrepaid bridging facility into a longer-tenure term loan secured by mortgage over the new property. This fundamentally changes the structure — instead of waiting for sale proceeds to repay, you take on a permanent mortgage on the new property and treat the new property and outgoing property as separate financial transactions. Refinancing into a term loan triggers TDSR / MSR recalculation on the now-larger loan position; lender reassesses your overall debt-servicing capacity. Costs typically materially higher than continuing to bridge. 3. Repay from another source If you have access to other liquid capital — savings, CPF withdrawals, family lending, or investment-account drawdowns — you can repay the bridging principal at tenure expiry from a non-sale source. This option avoids both extension fees and the more complex refinancing process, but requires that you actually have the liquidity available. Prevention strategies The best rollover plan is not needing one. Build in protective measures: List the existing property early. Ideally before signing the OTP on the new property. Buyers identified, OTP signed by buyer, S&P executed — all front-loaded into the timeline. Use conservative completion estimates. If HDB resale typically takes 14 weeks but can take 20, plan for 20 in your bridging timeline. Negotiate a longer completion window on the new property. If the seller will accept a 12-week instead of 8-week completion, the gap to bridge is shorter. Maintain a cash reserve. Liquid savings sized to a 2-3 month rollover scenario absorbs timing slippage without lender re-engagement. Communicate proactively with the lender. If you start to see sale-timing risk emerging, contact the lender before the tenure is close to expiry. Earlier conversations have better outcomes. When a rollover decision becomes a forced sale In an adverse scenario — sale stalled, no extension or refinancing available, no other capital source — the lender may eventually require sale of the secured collateral to clear the facility. This is rare in normal property-market conditions but is the lender's ultimate remedy. The risk is most acute when prices are falling, making sale completion harder and at a lower price than expected. Avoid this scenario through the prevention measures above. If you find yourself in it, engage early with: a property lawyer (timing-of-sale options), a financial adviser (alternative-funding sources), and the lender's relationship manager (extension / restructuring discussion). Frequently asked questions What happens if my bridging loan expires before the sale completes? The bridging facility comes due at the end of the 6-month tenure regardless of whether your existing-property sale has completed. If the sale is still pending, you typically have three options: extend the bridging facility with the lender (at materially higher rates), refinance into a term loan, or repay from another source. Discuss extension and refinancing terms with the lender before the tenure approaches expiry — not at the last minute. How much do bridging-loan extensions cost? Extension pricing varies by lender. Banks typically extend at a higher spread over the reference rate, sometimes adding an arrangement / extension fee. Specific extension terms should be set out in the original facility letter; verify them before signing. Plan for the cost of a 1-3 month extension as part of your worst-case bridging-cost budget. Can I refinance a bridging loan into a term loan? Some lenders allow conversion of an unrepaid bridging facility into a longer-tenure facility (typically a term loan secured by mortgage over the new property). The cost of conversion may be materially higher than the original bridging cost. Eligibility for conversion is lender-specific — discuss this contingency at the original application. What if my buyer pulls out of the sale? You'll need to find a new buyer for the existing property, which materially extends the sale timeline. In this case bridging extension or refinancing become more urgent. Re-list the property immediately, communicate the new timeline to the lender, and negotiate extension terms. If the property is overpriced for current market conditions, a price reduction may be required to complete a sale within the extension window. Can I sell to a relative to avoid the rollover problem? Selling to a relative is allowed but lenders and IRAS apply scrutiny to related-party transactions. The sale must be at fair market value (typically backed by a valuation). Below-market sales may be re-characterised by IRAS for stamp-duty purposes and may not qualify for ABSD remission. Consult a property lawyer before considering this route. How do I prevent a rollover scenario? Three preventive strategies: (1) list the existing property for sale early — ideally before signing OTP on the new property; (2) build a buffer into your timeline assumption by using a conservative sale-completion estimate; (3) negotiate a longer completion period on the new-property purchase if possible. Discuss timing risk with your conveyancing lawyer. Will my CPF withdrawal be affected if the sale extends? CPF refunds from the outgoing property are typically credited at sale completion. If completion extends beyond your bridging tenure, CPF refunds are delayed correspondingly. This affects your overall cash-flow position but doesn't change the regulatory framework — consult the CPF Board's published guidance on property-sale CPF refund timing. Sources Rollover and extension framework drawn from MAS-regulated lender published bridging-loan documentation. CPF refund timing from CPF Board . IRAS ABSD remission guidance at iras.gov.sg . This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-sing-investments-finance/ Sing Investments & Finance Bridging Loan — MAS-Regulated Finance Company Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Sing Investments & Finance bridging loan Sing Investments & Finance bridging loan in Singapore Sing Investments & Finance is one of three MAS-regulated finance companies operating in Singapore under the Finance Companies Act 1967. SIF offers bridging-loan facilities for both HDB and private-property transitions, with eligibility and pricing assessed per transaction. Source Official Sing Investments & Finance bridging-loan page Source: Bank page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab What Sing Investments & Finance offers Sing Investments & 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 guide Private 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 guide Standard bridging-loan mechanics at Sing Investments & 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 Sing Investments & Finance against other lenders Sing Investments & Finance is one of 12 MAS-regulated SG bridging-loan lenders. To compare Sing Investments & 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 What does Sing Investments & Finance offer? SIF is a MAS-regulated finance company offering property lending, deposits and related financial services. Its bridging-loan product covers HDB and private-property transitions in Singapore. As a finance company under the Finance Companies Act 1967, its regulatory framework differs from full banks. How do I apply for SIF bridging? Apply via SIF directly, or via a MAS-regulated mortgage broker who can compare SIF against other lenders in parallel. The free shortlist tool routes inquiries to brokers who carry SIF and other lender relationships. What is the Sing Investments & Finance bridging-loan interest rate? Sing Investments & 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. Sing Investments & 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 Sing Investments & 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 Sing Investments & Finance bridging loan? Apply through a Sing Investments & Finance mortgage adviser, directly via Sing Investments & Finance's online channels (if available), or via a MAS-regulated mortgage broker who can compare Sing Investments & Finance against other lenders in parallel. Source & verification All facts ingested from Sing Investments & 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 Sing Investments & Finance directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-singapore-2026/ Bridging Loan Singapore 2026 — Annual Market Snapshot & Lender Comparison Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · 2026 market snapshot Bridging loan Singapore — 2026 market snapshot Annual snapshot of the Singapore bridging-loan market as of June 2026. Lender list, regulatory framework, pricing-model context, and key rules affecting bridging-loan applicants — all source-cited. 2026 market structure at a glance 12 lenders covered in the lender library 7 MAS-regulated banks under the Banking Act 1970 3 MAS-regulated finance companies under the Finance Companies Act 1967 2 specialist lenders (licensed moneylender + broker-lender hybrid) 3 product types — HDB bridging, private property bridging, EC deferred bridging Industry-standard tenure — 6 months from disbursement Regulatory framework as of 2026 Core regulatory rules affecting bridging-loan applicants in 2026: TDSR — Total Debt Servicing Ratio cap at 55% of gross monthly income for property loans, set by MAS Notice 645 MSR — Mortgage Servicing Ratio cap at 30% for HDB flats and ECs purchased from developer, set by MAS / HDB BSD — Buyer's Stamp Duty per IRAS-published progressive marginal-rate schedule on the new-property purchase ABSD — Additional Buyer's Stamp Duty per IRAS schedule when buying a second residential property; foreigner / PR / SC rates differ materially HDB resale rules — Minimum Occupation Period (typically 5 years from key collection, 10 years for prime-location HDB), Ethnic Integration Policy quotas, eligibility-scheme rules per HDB published guidance Residential Property Act 1976 — restrictions on foreigner landed-property ownership outside Sentosa Cove (SLA approval required, rarely granted) SORA transition framework — published by MAS; bridging facilities increasingly priced against compounded SORA Banks offering bridging in 2026 Bank (local) DBS Bank DBS Bank Ltd HDB Private Source: Lender page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) OCBC Bank Oversea-Chinese Banking Corporation Limited HDB Private Source: Lender page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) UOB United Overseas Bank Limited HDB Private Source: Lender page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Standard Chartered Standard Chartered Bank (Singapore) Limited HDB Private Source: Lender page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Maybank Singapore Maybank Singapore Limited HDB Private Source: Lender page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) HSBC Singapore HSBC Bank (Singapore) Limited Private Source: Lender page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Citibank Singapore Citibank Singapore Limited Private Source: Lender page ↗ Citibank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance companies in 2026 Finance company (NBFI) Hong Leong Finance Hong Leong Finance Limited HDB Private Source: Lender page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Singapura Finance Singapura Finance Ltd HDB Private Source: Lender page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Sing Investments & Finance Sing Investments & Finance Limited HDB Private Source: Lender page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab What to watch for in 2026 Singapore property-financing rules are reviewed periodically by MAS, HDB and IRAS. Buyers should verify current rule positions before transacting: ABSD rates have been adjusted multiple times in the past decade as part of property cooling measures — confirm current rate at iras.gov.sg HDB resale eligibility rules and MOP framework are periodically reviewed SORA-linked pricing continues to evolve as the benchmark matures Lender appetite for foreign-buyer facilities tracks the broader property-cooling framework Frequently asked questions What's the bridging-loan market like in Singapore in 2026? As of June 2026, the SG bridging-loan market is served by 7 MAS-regulated banks, 3 MAS-regulated finance companies, and 2 specialist lenders. Industry-standard tenure remains 6 months. Pricing is quoted on application — banks typically against prime / board rate or SORA, finance companies often fixed per-transaction. Has the regulatory framework changed in 2026? Core property-loan regulatory framework (TDSR per MAS Notice 645, MSR for HDB / EC, BSD and ABSD per IRAS schedule, HDB MOP rules) remains in place. The SOR → SORA transition framework continues to inform bank reference-rate pricing. Verify current rate / rule details at MAS, HDB and IRAS published guidance. What's changed in lender competition? Foreign-bank participation in SG bridging facilities continues to be selective — Standard Chartered, Maybank and HSBC remain in market with somewhat narrower appetite than local banks (DBS, OCBC, UOB). Finance companies provide alternative competition for borrowers with non-standard profiles. Specialist lenders fill niche use cases. How has SORA affected bridging pricing? SORA-linked pricing has become more common for new Singapore property-loan products since the SOR-to-SORA transition completed. Bridging facilities increasingly reference compounded SORA + spread rather than the older SIBOR-linked structures. For a 6-month bridging tenure, SORA volatility typically contributes modest total-interest variation. What's the outlook for SG bridging-loan demand? Bridging demand correlates with overall Singapore property-transaction volume. Property cooling measures (including foreigner ABSD changes) affect transaction flow. Bridging itself is a derived demand from upgrader / transition activity — when property transitions are active, bridging volume tracks. We do not forecast specific market direction. Sources Lender list compiled from each MAS-regulated lender's published bridging-loan page, verified June 2026. Regulatory framework citations from MAS , HDB , IRAS , Singapore Land Authority , and CPF Board . This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-singapore-permanent-resident/ Bridging Loan Singapore for Permanent Residents — PR-Specific Rules & Eligibility Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · For Permanent Residents Bridging loan in Singapore for Permanent Residents Singapore Permanent Residents have broadly the same access to bridging-loan facilities as Singapore Citizens, but several PR-specific rules affect the overall property-transition framework: HDB eligibility schemes, ABSD rates, and lender underwriting nuances. This guide covers what's different for PR applicants. Bridging loan eligibility — same framework as Citizens Singapore PRs apply for bridging loans under the same general framework as Singapore Citizens. MAS-regulated banks and finance companies accept PR applicants subject to standard eligibility checks: firm OTP on new property, firm sale arrangement on existing property, credit underwriting via Credit Bureau Singapore, income documentation, TDSR (MAS Notice 645) on the onward mortgage, MSR for HDB / EC purchases. Specific lenders may impose additional documentation requirements such as confirmation of PR status (Re-Entry Permit) and overall residency tenure. Some banks prefer PR applicants with established Singapore credit history. HDB resale eligibility for PRs HDB resale is open to Singapore PRs under defined eligibility schemes. Key rules: PR couples can buy HDB resale under the Public Scheme after meeting the SPR Tenure rule (typically 3 years of PR tenure for both spouses) SC + PR couples can buy under the Public Scheme or Non-Citizen Spouse Scheme Single PR (unmarried) typically cannot buy HDB resale solo — see HDB current rules for single-applicant frameworks Ethnic Integration Policy (EIP) and SPR quota apply at block / neighbourhood level — affects availability of specific units Current rules at hdb.gov.sg . ABSD for PR buyers PR buyers of residential property in Singapore are subject to Additional Buyer's Stamp Duty (ABSD) at PR-specific rates — currently higher than SC rates and lower than foreigner rates, as published by IRAS. Specific rates depend on whether it's the buyer's first or subsequent residential property. For a PR upgrader (selling existing private property to buy a new private property), ABSD applies at the new-property purchase. ABSD remission rules apply primarily to SC married couples; PR-only couples have different remission frameworks. Verify current IRAS guidance at iras.gov.sg . ABSD is a material cost component for PR property-transition planning. Discuss specific scenarios with a Singapore property lawyer. CPF housing-withdrawal for PRs Singapore PRs who are CPF members can use CPF Ordinary Account funds for property purchase under the CPF housing-withdrawal framework, subject to housing-withdrawal limits. The withdrawal limits and rules differ slightly between SC and PR members for some property types. See cpf.gov.sg for current PR-specific housing-withdrawal guidance. Lender-side considerations for PR applicants Most MAS-regulated lenders apply broadly consistent treatment to SC and PR applicants. Some practical considerations: Some lenders prefer 1-2+ years of PR tenure for first-time mortgage applications Lenders may apply slightly different loan-to-value caps for PR vs SC applicants on private property PR applicants without Singapore-issued NRIC need to provide passport + Re-Entry Permit Recently-issued PRs may benefit from working with a mortgage broker to identify the most flexible lenders Frequently asked questions Can a Permanent Resident get a bridging loan in Singapore? Yes — MAS-regulated lenders accept PR applicants on the same general framework as Singapore Citizens. The bridging-loan eligibility checks (firm OTP, firm sale, credit underwriting, TDSR / MSR on onward mortgage) apply equally. Specific lenders may impose additional PR-specific documentation requirements such as confirmation of PR status and overall residency tenure. Can a PR buy HDB resale property? Yes — HDB resale is open to Singapore Citizens and PRs under defined eligibility schemes. SC + SC, SC + PR, and PR + PR ownership are all possible under specific schemes (e.g. Public Scheme, Non-Citizen Spouse Scheme). HDB also enforces the Ethnic Integration Policy (EIP) and SPR quota at the block / neighbourhood level. See HDB.gov.sg for current eligibility framework. What ABSD applies to PRs? PR buyers of a residential property in Singapore are subject to ABSD at PR-specific rates (currently higher than SC rates and lower than foreigner rates). Specific rates depend on whether it's a first or subsequent property purchase, as set by IRAS. See iras.gov.sg for current schedule. ABSD applies at new-property purchase regardless of bridging-loan use. Can PR couples claim ABSD remission? ABSD remission rules apply primarily to Singapore Citizen married couples buying a second residential property when both spouses meet eligibility criteria including selling the first property within the remission window. PR-only couples have different remission rules — verify with IRAS published guidance for the specific scenario. Are PR mortgage rates different from SC rates? Bank pricing is typically uniform — same prime/board rate or SORA-linked structure for SC and PR applicants. Differences emerge in underwriting outcomes — some lenders may apply slight loan-to-value differences or additional underwriting layers for PRs depending on tenure of PR status. The structural product is the same; underwriting nuances vary. What if my PR status is recent? Some lenders prefer PR applicants with at least 1-2 years of PR tenure for residential property loans, though this isn't a universal rule. Newly-issued PRs may want to discuss the application with a MAS-regulated mortgage broker first to identify which lenders are most flexible with recent PRs. The bridging facility itself doesn't typically have additional PR-tenure requirements beyond what the onward mortgage requires. Can I use CPF as a PR for the down-payment? Yes — Singapore PR CPF members can use CPF Ordinary Account funds for property down-payment under the same CPF housing-withdrawal framework as Singapore Citizens (with some nuance on housing-withdrawal limits depending on property type). See CPF Board's published guidance for PRs. Sources HDB PR eligibility from hdb.gov.sg . ABSD PR rates from IRAS . CPF housing-withdrawal rules from CPF Board . TDSR / MSR framework from MAS Notice 645 . This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-singapore/ Bridging Loan Singapore 2026 — Compare All Lenders, Rates, Eligibility & How It Works Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging loan complete guide Bridging loan Singapore — complete guide A bridging loan covers the cash-flow gap between buying a new property and receiving sale proceeds from your existing property. 12 MAS-regulated SG lenders offer bridging facilities, almost universally with a 6-month tenure secured against expected sale proceeds. This guide breaks down how it works, who qualifies, and how to compare across lenders. Key facts Tenure: Industry-standard 6 months across virtually all MAS-regulated lenders Security: Net sale proceeds of your outgoing property Pricing: Pegged to bank prime/board rate or SORA — quoted on application Three product shapes: HDB bridging, private property bridging, EC deferred bridging Bundling: Often offered alongside the onward mortgage from the same lender How a bridging loan actually works Typical sequence for a property upgrader (HDB → HDB or HDB → private): You sign the OTP on the new property and pay the booking fee from cash savings. Within 3 weeks , you exercise the OTP and sign the Sale & Purchase agreement on the new property. You list and sell your existing property — HDB resale typically takes 12-20 weeks to completion; private can range wider. If new-property completion runs ahead of existing-sale completion , the cash-flow gap is real. Lender disburses bridging loan at new-property completion. Bridging is secured against expected sale proceeds from the outgoing property (verified by your buyer's OTP/S&P). Interest accrues from disbursement. Most bridging facilities are interest-only — no principal repayments during the tenure. Existing-property sale completes , sale proceeds repay the bridging loan principal + accrued interest in a single lump sum. Three bridging-loan shapes HDB bridging For HDB upgraders selling and buying within the HDB or HDB-to-private path. Full guide Private property For private-to-private or private-to-HDB transitions. Full guide EC deferred For Executive Condominium buyers under the Deferred Payment Scheme. Full guide Eligibility — the standard checklist Option to Purchase (OTP) signed on the new property Sale arrangement firm on the existing property — OTP signed by the buyer or Sale & Purchase agreement executed Onward mortgage approved on the new property (lenders typically check this in parallel) Credit underwriting passes at the bridging lender — same general criteria as for a home loan TDSR applies to the onward mortgage (the bridging loan itself typically does not affect TDSR because it's short-term and secured against pending proceeds) Typical fees on a Singapore bridging loan Legal / conveyancing fees — commonly SGD 1,500-3,000 for HDB transactions; SGD 2,000-4,000 for private property Valuation fee — SGD 300-800 if not bundled with the onward mortgage Processing fee — varies by lender; sometimes waived when bridging is bundled with the onward home loan from the same lender Interest charges — accrue from disbursement until repayment from sale proceeds How rates are priced (and why you can't quote them) Singapore bridging-loan rates are not typically published as fixed percentages on lender marketing pages. Two main pricing models: Prime-rate-linked — pegged to the lender's published prime or board rate plus a spread. Adjusts when the lender changes its prime. SORA-linked — pegged to the Singapore Overnight Rate Average plus a spread. Adjusts more frequently as SORA moves with monetary conditions. Some non-bank lenders quote fixed rates per-transaction. Specific rate is always quoted on application — see the bridging-loan interest rate guide for the full mechanics. Lenders offering bridging loans in Singapore 7 MAS-regulated banks. See all 12 lenders including finance companies and specialist lenders, or the comparison table grouped by product type. Bank (local) DBS Bank DBS Bank Ltd HDB Private Source: Lender page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) OCBC Bank Oversea-Chinese Banking Corporation Limited HDB Private Source: Lender page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) UOB United Overseas Bank Limited HDB Private Source: Lender page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Standard Chartered Standard Chartered Bank (Singapore) Limited HDB Private Source: Lender page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Maybank Singapore Maybank Singapore Limited HDB Private Source: Lender page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) HSBC Singapore HSBC Bank (Singapore) Limited Private Source: Lender page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Citibank Singapore Citibank Singapore Limited Private Source: Lender page ↗ Citibank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Frequently asked questions What is a bridging loan in Singapore? A short-term loan that covers the cash-flow gap between buying a new property and receiving sale proceeds from your existing property. Most Singapore bridging facilities have a 6-month tenure and are secured against the expected sale proceeds. Available for HDB upgraders, private-property transitions and Executive Condominium (EC) buyers under the Deferred Payment Scheme. Who needs a bridging loan? Property buyers in Singapore whose new-property completion runs ahead of existing-property sale completion. Common scenarios: HDB upgraders buying private property; HDB owners moving between flats; private-to-private transitions; EC buyers at handover. How long is a bridging loan in Singapore? Industry-standard maximum is 6 months from disbursement across virtually all MAS-regulated lenders. Some lenders allow extension at materially higher rates if the existing sale completes late, but the standard tenure assumes you have a firm sale arrangement that completes within the window. How much can I borrow? Typically up to the net sale proceeds you expect to receive from your outgoing property (after settling the outstanding mortgage and CPF refunds). Lenders verify expected proceeds against the OTP or S&P documents from the incoming buyer of your existing property. What are typical bridging-loan rates in Singapore? Singapore bridging-loan rates are not typically published as fixed percentages. Banks quote against their prime / board rate or against SORA; non-bank lenders price per-transaction. Specific rate is quoted on application. See the rate-comparison page for pricing-model context, or use the free shortlist tool to be matched with brokers across multiple lenders. Bridging loan vs term loan — what's the difference? A bridging loan is short-term (typically 6 months), interest-only, repaid in a single lump-sum when sale proceeds arrive. A term loan amortises over 10-30 years with principal + interest paid monthly. Bridging fills a specific cash-flow timing gap; a term loan funds long-term ownership. Do I need bridging if I sell first then buy? If completion of your existing property sale arrives before you commit to the new property, you typically don't need bridging — the sale proceeds are available to fund the down-payment on the new property. Many Singapore property transitions sequence buying first because of OTP / S&P timing pressure, which is when bridging becomes useful. Which Singapore lenders offer bridging loans? Most MAS-regulated banks and all three MAS-regulated finance companies offer bridging facilities. 12 lenders in total are covered in the lender library: 7 banks (DBS, OCBC, UOB, Standard Chartered, Maybank, HSBC, Citi), 3 finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) plus specialist lenders. How do I apply for a bridging loan in Singapore? Either approach a lender directly (typically via the same bank handling your onward mortgage) or use a MAS-regulated mortgage broker who can compare facilities across multiple lenders. Brokers add value when timing is tight or eligibility is borderline. The free shortlist tool routes your inquiry to MAS-regulated brokers. Sources & methodology Bridging-loan product information drawn from each MAS-regulated lender'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 the lender or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-singapura-finance/ Singapura Finance Bridging Loan Singapore — MAS-Regulated Finance Company Bridging Loan Singapore Lenders Rates Calculator Get shortlist 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. Source Official Singapura Finance bridging-loan page Source: Bank page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab 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 guide Private 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 guide Standard 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 . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-standard-chartered/ Standard Chartered Bridging Loan Singapore — Eligibility & Application Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Standard Chartered bridging loan Standard Chartered bridging loan in Singapore Standard Chartered is a major foreign bank in Singapore with a substantial mortgage book. Its bridging-loan facility is most commonly tied to SC home-loan products and applied for as part of the broader transaction. Source Official Standard Chartered bridging-loan page Source: Bank page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab What Standard Chartered offers Standard Chartered 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 guide Private 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 guide Standard bridging-loan mechanics at Standard Chartered 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 Standard Chartered against other lenders Standard Chartered is one of 12 MAS-regulated SG bridging-loan lenders. To compare Standard Chartered'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 Standard Chartered bridging available for HDB? Yes — SC offers bridging facilities for both HDB and private-property transitions. The facility is most often offered to customers also taking the onward mortgage from SC. How does Standard Chartered's bridging-loan pricing compare to local banks? SC's pricing model is broadly similar to local banks — prime / board-rate linked, quoted on application. Foreign-bank bridging facilities are sometimes more flexible on cross-border transactions but otherwise mechanically comparable. What is the Standard Chartered bridging-loan interest rate? Standard Chartered 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. Standard Chartered 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 Standard Chartered 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 Standard Chartered bridging loan? Apply through a Standard Chartered mortgage adviser, directly via Standard Chartered's online channels (if available), or via a MAS-regulated mortgage broker who can compare Standard Chartered against other lenders in parallel. Source & verification All facts ingested from Standard Chartered'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 Standard Chartered directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-tradition-credit/ Tradition Credit Bridging Loan Singapore — Licensed Moneylender Framework Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Tradition Credit bridging loan Tradition Credit bridging loan in Singapore Tradition Credit operates as a licensed moneylender under the Moneylenders Act 2008, regulated by the Ministry of Law (MinLaw) rather than by MAS. This is a materially different regulatory framework from the banks (Banking Act 1970) and finance companies (Finance Companies Act 1967) listed elsewhere on this site. The Moneylenders Act imposes specific consumer-protection rules including interest-rate caps and disclosure requirements. Source Official Tradition Credit bridging-loan page Source: Bank page ↗ Tradition Credit bridging-loan page Verified 6 Jun 2026 Opens in a new tab What Tradition Credit offers Tradition Credit 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 guide Private 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 guide Standard bridging-loan mechanics at Tradition Credit 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 Tradition Credit against other lenders Tradition Credit is one of 12 MAS-regulated SG bridging-loan lenders. To compare Tradition Credit'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 a licensed moneylender different from a bank? Yes — materially. Banks are MAS-regulated under the Banking Act 1970. Licensed moneylenders are MinLaw-regulated under the Moneylenders Act 2008. The Moneylenders Act caps interest rates and fees that licensed moneylenders can charge consumers and imposes specific disclosure rules. Always verify current MinLaw licence status before engaging any moneylender. How do I verify Tradition Credit's licensing? Verify current licence status on MinLaw's published Registry of Moneylenders at the Ministry of Law's online resources. Confirm the licence is current before transacting; licensed-moneylender status can change. What is the Tradition Credit bridging-loan interest rate? Tradition Credit 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. Tradition Credit 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 Tradition Credit 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 Tradition Credit bridging loan? Apply through a Tradition Credit mortgage adviser, directly via Tradition Credit's online channels (if available), or via a MAS-regulated mortgage broker who can compare Tradition Credit against other lenders in parallel. Source & verification All facts ingested from Tradition Credit'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 Tradition Credit directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-uob/ UOB Bridging Loan Singapore — How It Works & Eligibility Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · UOB bridging loan UOB bridging loan in Singapore UOB is Singapore's third local bank with a substantial active mortgage book. Its bridging-loan product is typically priced against the UOB board rate and is most commonly offered to customers also taking the onward UOB home loan. Source Official UOB bridging-loan page Source: Bank page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab What UOB offers UOB 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 guide Private 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 guide Standard bridging-loan mechanics at UOB 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 UOB against other lenders UOB is one of 12 MAS-regulated SG bridging-loan lenders. To compare UOB'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 Does UOB require me to take their home loan to access bridging? UOB typically prefers customers also take the onward mortgage from UOB when applying for the bridging facility. This bundling simplifies operations and may improve pricing. Standalone bridging without the onward loan is offered selectively. What's the UOB bridging-loan application process? Apply through a UOB mortgage adviser or via a MAS-regulated mortgage broker. The application is reviewed alongside any onward home-loan application. Approval is transaction-specific based on your existing-property sale documentation and credit profile. What is the UOB bridging-loan interest rate? UOB 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. UOB 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 UOB 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 UOB bridging loan? Apply through a UOB mortgage adviser, directly via UOB's online channels (if available), or via a MAS-regulated mortgage broker who can compare UOB against other lenders in parallel. Source & verification All facts ingested from UOB'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 UOB directly or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-vs-personal-loan/ Bridging Loan vs Personal Loan Singapore — When Each Fits & Cost Comparison Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging vs personal loan Bridging loan vs personal loan in Singapore Bridging loans and personal loans both provide short-term liquidity, but they solve different problems and live under different lender frameworks. This guide breaks down the structural differences so you can pick the right instrument — or use both in combination if your situation calls for it. Side-by-side comparison Feature Bridging loan Personal loan Security Secured by sale proceeds Unsecured Purpose Property-transition cash-flow gap General-purpose Typical principal Hundreds of thousands → millions SGD Capped at multiple of monthly income Tenure 6 months (industry standard) 1-7 years typically Repayment Interest-only; lump-sum at sale Monthly installments (principal + interest) Pricing Lower — secured + short Higher — unsecured TDSR treatment Treated separately from ongoing-income debts Counts fully toward TDSR Application time Days-to-weeks (with property documentation) Often same-day for existing customers When bridging fits, when personal-loan fits Use bridging when: You're funding a property transition with hundreds of thousands of SGD principal Your existing property is firmly under sale arrangement You want the cost benefit of secured short-tenure financing TDSR headroom is a binding constraint on the onward mortgage Use personal-loan when: You need general-purpose liquidity not tied to property The amount is small enough to fit within personal-loan caps You don't have a property sale to secure against You need fast turnaround and you're willing to pay the higher rate Can you use both? Yes — they cover different need-types. A property upgrader might use a bridging facility for the cash-flow gap on the property transition, and a personal loan for funding the legal / conveyancing fees from a different bucket. The two operate independently. TDSR impact stacks though — the personal loan's monthly payment counts toward TDSR while the bridging facility is treated separately. Frequently asked questions Can I use a personal loan instead of a bridging loan? Technically yes — a personal loan can fund any cash-flow need including property down-payments. But personal loans are unsecured, typically capped at much smaller principal amounts (up to a multiple of monthly income), priced at higher rates than secured bridging facilities, and count fully toward your TDSR computation. For typical property transitions involving hundreds of thousands of SGD, personal loans are usually too small and too expensive to be a practical substitute. Which is cheaper — bridging or personal loan? A bridging loan is typically materially cheaper per dollar because it is secured against pending sale proceeds and short-tenure. Personal loans are unsecured and priced higher to compensate for credit risk. For a SGD 500,000 property-transition gap, the rate differential over the 6-month tenure translates to meaningful absolute savings. Does TDSR treat them differently? Personal loans count fully toward TDSR (MAS Notice 645) — the monthly repayment on the personal loan reduces your TDSR headroom for the onward mortgage. Bridging facilities are treated differently because they are secured against pending sale proceeds rather than ongoing income; specific lender treatment varies. How large can each go? Personal loans are typically capped at a multiple of monthly income (commonly 4-12× depending on lender and credit profile) — usually maxing in the tens of thousands of SGD, occasionally higher. Bridging loans scale to your expected sale proceeds — hundreds of thousands or millions of SGD on a private-property transition. The structural difference means personal loans are not practical substitutes for bridging on typical property transactions. Can I use a personal loan to fund the bridging-loan fees? Yes if you have personal-loan headroom and a use-case for the temporary liquidity. The legal / conveyancing / valuation fees on a property transition can be funded from any liquidity source, including a personal-loan drawdown. But again, monitor TDSR impact. What about CPF withdrawal as an alternative? CPF Ordinary Account funds can be used for property-purchase down-payment under the CPF withdrawal framework, subject to housing withdrawal limits. CPF is typically the first source for the property down-payment, not a substitute for bridging. CPF refunds from your outgoing property are credited at sale completion — they are the source of repayment for the bridging facility. Sources TDSR framework from MAS Notice 645 . CPF withdrawal limits from CPF Board . Personal-loan caps regulated by MAS for banks and by MinLaw for licensed moneylenders. This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-vs-renovation-loan/ Bridging Loan vs Renovation Loan Singapore — Different Products, Different Purposes Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging vs renovation loan Bridging loan vs renovation loan in Singapore Bridging loans and renovation loans are different products covering different needs. Property upgraders who are also renovating often end up using both — bridging covers the cash-flow gap during the property transition, renovation loan funds the works once you take possession of the new property. This guide explains the structural differences and how they interact. Side-by-side comparison Feature Bridging loan Renovation loan Purpose Property-transition cash-flow gap Renovation works on residential property Cap (MAS rules) Up to net sale proceeds of outgoing property Lower of 6× monthly income or SGD 30,000 Tenure 6 months (industry standard) Typically 1-5 years Disbursement To borrower for property completion Direct to contractor (typical) Repayment Lump-sum from sale proceeds Monthly installments TDSR Treated separately Counts toward TDSR Use case Buying + selling property at different times Renovating new (or existing) property What MAS rules govern renovation loans Singapore renovation loans are regulated by MAS as a specific product category. Typical caps and rules: Quantum cap — typically lower of 6× monthly income or SGD 30,000 (MAS rule) Use restriction — interior renovation works, fittings, fixtures on residential property only Disbursement — typically paid directly to the contractor, not to the borrower, to maintain use-restriction integrity TDSR / MSR — monthly repayment counts toward both Reference: MAS published rules on personal credit including renovation loans. Confirm current specific rules at mas.gov.sg . When you'd use both in parallel A common scenario: upgrading from an old HDB flat to a private property that needs renovation before move-in. Buy the new private property (onward mortgage + bridging loan for the cash-flow gap pending HDB sale) Take possession; commission renovation works Take a renovation loan to fund the renovation (separate from the bridging facility) HDB sale completes; sale proceeds repay the bridging loan Continue paying the onward mortgage + renovation loan monthly installments Both loans operate independently with different repayment streams. The renovation loan's monthly installment counts toward TDSR; plan your overall debt position accordingly. Frequently asked questions Can I use a bridging loan to fund renovations? Bridging loans are designed to cover the cash-flow gap between buying and selling property, secured against sale proceeds. They are not designed for renovation funding. A renovation loan is the appropriate product for funding renovation works — it has different eligibility, structure and MAS rules. Can I use a renovation loan to fund a property purchase? No. Singapore renovation loans are subject to MAS rules restricting use to renovation expenses (interior renovation works, fittings, fixtures) on residential property. The loan proceeds typically disburse directly to the contractor. They cannot be used for property purchase, down-payments, or bridging. What's the cap on a renovation loan? Singapore renovation loans are typically capped by MAS rules at the lower of 6× monthly income or SGD 30,000. The cap reflects the size of typical renovation projects rather than property-transition funding needs. Do I need both for an upgrade? If you're moving to a new property and also renovating it, you may end up using both products — bridging covers the property-transition cash-flow gap, renovation loan funds the renovation works once you take possession. They run in parallel and don't substitute for each other. How do they affect TDSR? Renovation loan monthly payments count toward TDSR (MAS Notice 645). Bridging loan is treated separately because it's secured against sale proceeds. If you're using both, the renovation loan creates an ongoing monthly obligation that affects TDSR headroom on the onward mortgage. Which is cheaper? Renovation loans are typically priced as unsecured personal-credit products with rates higher than secured property loans. Bridging is secured short-tenure financing at lower per-dollar cost. Per-dollar comparison isn't meaningful because they serve different purposes — but for a fixed amount you'd generally pay less for bridging than renovation. Sources Renovation loan rules from MAS . TDSR / MSR framework from MAS Notice 645. This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/bridging-loan-vs-term-loan/ Bridging Loan vs Term Loan Singapore — When Each Fits, Differences & Cost Comparison Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging vs term loan Bridging loan vs term loan in Singapore Bridging loans and term loans (home loans) solve different problems. Most Singapore property upgraders take both — a long-tenure term loan to fund the new property, and a short-tenure bridging facility to cover the cash-flow gap during the transition. This guide explains the structural differences and when each fits. Side-by-side at a glance Feature Bridging loan Term loan (home loan) Tenure Up to 6 months 10-30 years (sometimes longer for HDB) Repayment Interest-only; single lump-sum principal at end Amortising — monthly principal + interest Security Expected sale proceeds of outgoing property Permanent mortgage over the financed property Pricing Higher per-dollar — short-tenure premium Lower per-dollar — long-tenure secured TDSR treatment Treated separately; lender-specific Counts toward 55% TDSR cap (MAS Notice 645) MSR (HDB/EC) Typically not subject 30% MSR cap applies to HDB and new EC Use case Short-term cash-flow gap during transition Long-term ownership financing Lock-in Typically none (early repayment from sale proceeds) 2-3 year lock-in periods common Why most upgraders take both The typical Singapore property upgrade involves both products operating in parallel: The term loan funds the new property purchase. Typically up to 75% loan-to-value for first-property buyers under MAS rules, with the remainder paid via down-payment (cash + CPF + sale proceeds). The bridging loan covers the timing gap. If new-property completion arrives before existing-property sale proceeds, bridging fills the gap. Sale proceeds repay the bridging. When the existing-property sale completes, proceeds repay the bridging principal + accrued interest in a single lump sum. The term loan continues for its full tenure. When you need bridging but not (yet) a new term loan Rare, but real. Examples: Buying a new property outright in cash (sale proceeds + savings) — no term loan needed; only bridging covers the timing gap EC buyers under Deferred Payment Scheme at handover — onward term loan is taken, but bridging covers the pre-sale window. See the EC deferred bridging guide When you need a term loan but not bridging Most common scenario: First-time buyer with no existing property to sell — no bridging need Existing property sale completes before new-property completion — sale proceeds are available, bridging unnecessary Sufficient liquid savings to fund new-property down-payment from cash without waiting for sale proceeds How to think about total cost Bridging-loan interest cost is typically a relatively small total-cost component because the principal × tenure window is short: Bridging interest = drawdown × actual tenure × applicable rate. Even at a higher per-annum rate, a 2-4 month actual tenure on a few hundred thousand SGD principal generates a modest interest cost. Plus bridging fees (conveyancing, valuation, processing) — see the fees breakdown . The term loan is the larger lifetime cost — picked once and lived with for decades. Rate-shop the term loan carefully. Frequently asked questions What's the main difference between a bridging loan and a term loan? A bridging loan is short-term (typically 6 months in Singapore), interest-only, repaid in a single lump sum from sale proceeds of your existing property. A term loan (home loan) amortises over 10-30 years with monthly principal + interest payments, secured by a permanent mortgage over the property. Bridging fills a timing gap; a term loan funds long-term ownership. Do I take a bridging loan instead of a home loan? No — typically both, in parallel. Bridging covers the cash-flow gap during the property transition; the home loan (term loan) funds the long-term financing of the new property. Most Singapore upgraders take a bridging facility alongside the onward home loan, often from the same bank. Which is cheaper? A term loan is materially cheaper per dollar over its full life — long-tenure secured mortgage rates are among the cheapest borrowing available in Singapore. Bridging loans are short-tenure with higher per-dollar operational cost; lenders typically price bridging at a small premium over home-loan rates. The bridging facility is not a substitute for the term loan — they cover different problems. How does TDSR apply differently? TDSR (MAS Notice 645) primarily constrains the onward term loan / home loan — total monthly debt obligations capped at 55% of gross monthly income. The short-tenure bridging facility is treated differently because it is secured against pending sale proceeds rather than ongoing income; specific lender treatment varies. The home-loan TDSR check is the binding ceiling for most buyers. Can I get just a bridging loan without a home loan? Rarely. Most Singapore lenders require you to be taking the onward home loan from them in order to extend a bridging facility — bridging is typically a relationship-product offered alongside the larger mortgage. Standalone bridging without an onward home loan is offered selectively by some finance companies and specialist lenders. When does a term loan not fit? When the timing of your cash need is short and specific — e.g. you need funds for 4-12 weeks while waiting for a property sale to complete. A 25-year term loan with all its associated paperwork, lock-in periods and origination costs would be a heavy instrument for that need. Bridging is purpose-built for short-term cash-flow timing. Can a bridging loan convert to a term loan? Some lenders allow conversion of an unrepaid bridging facility into a term-loan refinancing if your existing-property sale completes late or falls through. Specifics vary materially by lender — discuss this contingency at application before signing the facility letter. The cost of conversion may be materially higher than the original bridging cost. Sources TDSR framework from MAS Notice 645 . MSR framework from MAS and HDB . Bridging-loan mechanics drawn from each MAS-regulated lender's published bridging-loan page. This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/ec-deferred-bridging-loan/ EC Deferred Bridging Loan Singapore — For Executive Condo Buyers Under DPS Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · EC deferred bridging EC deferred bridging loan in Singapore EC deferred bridging is a specialised bridging-loan use case for Executive Condominium buyers under the Deferred Payment Scheme (DPS). It bridges the cash-flow gap between EC handover (where final balance is due) and HDB sale completion. A narrower subset of lenders explicitly offers this as a distinct product. How EC DPS creates a bridging need EC purchase under DPS has a distinctive structure: OTP signed, 5% booking fee paid. 20% paid progressively during construction (typically 3-4 years). You keep your existing HDB through this entire construction window — a key DPS feature. At EC TOP (Temporary Occupation Permit), 75% balance is due. Funded by your onward mortgage + HDB sale proceeds. If HDB sale completes after EC TOP, you have a cash-flow gap. Bridging covers it. Without bridging, EC DPS buyers can find themselves needing to time HDB sale completion very precisely against EC TOP — which is risky given how HDB resale timelines vary. Eligibility EC TOP date approaching (typically within 6-12 months) HDB sale arrangement firm EC was purchased under the Deferred Payment Scheme Available from a narrower subset of lenders than standard HDB or private-property bridging Typical fees Standard bridging-loan fees apply Additional EC-specific legal documentation may add to conveyancing cost Key risks Not all lenders offer EC deferred bridging — verify availability before signing the EC OTP EC handover timelines can shift, affecting bridging window Concurrent HDB ownership during construction is allowed for EC DPS — different rules than standard EC purchase Lender(s) explicitly offering EC deferred bridging Source-cited from each lender's published page. Many banks treat EC bridging as a special case of HDB bridging and don't list it separately — confirm with the specific lender. Broker-lender hybrid GMG GMG Singapore Pte Ltd HDB Private EC deferred Source: Lender page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab Frequently asked questions What is EC deferred bridging? A specialised bridging loan for buyers of Executive Condominium (EC) units under the Deferred Payment Scheme (DPS). EC DPS allows buyers to keep their existing HDB flat during EC construction (rather than selling it before EC purchase). At EC handover, buyers must sell the existing HDB; bridging covers the gap between EC handover (where balance is due) and HDB sale completion. Why do EC buyers need bridging? Under EC DPS, you pay 25% of the EC price progressively during construction, then the remaining 75% at handover. The remaining 75% is typically funded by a combination of the onward mortgage and net proceeds from your HDB sale. If HDB sale completes after EC handover, bridging covers the gap. How is EC deferred bridging different from standard HDB bridging? Mechanically similar — both secure against expected HDB sale proceeds. The difference is timing context: EC deferred bridging is triggered at EC handover (often 3-4 years after EC purchase), so eligibility checks revisit current financial position. Not all lenders offer this product as a distinct facility; many treat it as a special case of HDB bridging. When should I arrange EC deferred bridging? Approach lenders 3-6 months before expected EC TOP (Temporary Occupation Permit) date. EC TOP timelines can shift; arrange the bridging facility in principle before committing to the EC handover steps. Some lenders prefer to bundle the bridging with the onward EC mortgage application. Which lenders offer EC deferred bridging? A narrower subset than standard HDB or private-property bridging. 1 lender explicitly advertise EC deferred bridging on their published page. What if my HDB takes longer than 6 months to sell after EC handover? You may need to extend the bridging facility (at materially higher rates) or refinance into a longer-tenure facility. Best practice: list the HDB for sale ahead of EC TOP so completion timelines align. Discuss extension scenarios with the lender before signing the bridging facility letter. Where can I learn more about EC eligibility rules? HDB and CEA publish the canonical EC eligibility rules. For DPS-specific rules, the EC developer's S&P agreement and the URA/HDB guidelines apply. Consult a Singapore property lawyer or MAS-licensed mortgage broker for personalised guidance. Sources EC DPS mechanics drawn from HDB and CEA published guidelines. Lender product information from each MAS-regulated lender's bridging-loan page. This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/faq/ Bridging Loan Singapore FAQ — Common Questions Answered Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · FAQ Bridging loan in Singapore — frequently asked questions 15 questions covering the basics, rates, eligibility, fees, application process, HDB and EC specifics, and compliance. Basics What is a bridging loan? + A short-term loan (typically 6 months in Singapore) that covers the cash-flow gap between buying a new property and receiving sale proceeds from your existing property. Secured against expected sale proceeds, interest-only, repaid in a single lump sum. Who issues bridging loans in Singapore? + MAS-regulated banks (DBS, OCBC, UOB, Standard Chartered, Maybank, HSBC, Citi), MAS-regulated finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance under the Finance Companies Act 1967), and specialist licensed lenders. How long is a bridging loan tenure? + Industry-standard 6 months across virtually all MAS-regulated SG lenders. Some lenders allow extension at materially higher rates if your existing-property sale completes late. Rates What is the bridging loan rate in Singapore? + No single published rate applies across the market. Banks quote against their prime / board rate or against SORA; finance companies often quote fixed per-transaction. Specific rates are quoted on application. See the rates page for the pricing-model framework. How is SORA used to price bridging? + SORA (Singapore Overnight Rate Average) is the benchmark interest rate published daily by MAS. SORA-linked bridging facilities quote as "Compounded SORA + spread" with defined reset windows. See MAS SOR/SORA transition framework for full context. Eligibility Does the bridging loan affect TDSR? + TDSR (MAS Notice 645) applies primarily to the onward mortgage. The short-tenure bridging facility is treated separately because it is secured against pending sale proceeds rather than ongoing income; specific lender treatment varies. Can self-employed buyers get a bridging loan? + Yes — most MAS-regulated lenders accept self-employed applicants. Required income documentation is more extensive (2 years' IRAS NOA, bank statements, ACRA business profile). Some lenders apply a haircut to self-employed income for TDSR purposes. Fees What fees should I expect? + Beyond interest: legal/conveyancing fees (SGD 1,500–3,000 HDB or SGD 2,000–4,000 private), valuation (SGD 300–800), processing (varies, sometimes waived if bundled), and stamp duties on the new property (BSD + possibly ABSD per IRAS schedule). What is BSD and ABSD? + Buyer's Stamp Duty (BSD) is payable on every residential property purchase per the IRAS-published schedule. Additional Buyer's Stamp Duty (ABSD) applies when buying a second residential property while still owning the first. SC married couples may apply for ABSD remission if the existing property is sold within the remission window (currently 6 months from new-property completion — verify current IRAS rules). Process How do I apply for a bridging loan? + Apply directly via the lender (typically through the same bank handling your onward mortgage), via a MAS-regulated mortgage broker, or via the free shortlist tool on this site which routes to MAS-regulated brokers. What documents do I need? + OTP signed on new property; sale arrangement firm on existing (OTP or S&P); NRIC; latest income docs (payslips, NOA, CPF contributions); existing mortgage statement; CPF withdrawal statement for outgoing property. HDB How does HDB bridging differ from private? + Same general mechanics. Differences: HDB sale-completion timelines are typically 12-20 weeks (more predictable); HDB legal fees are typically lower than private; HDB conveyancing can sometimes use HDB's appointed service; private may have ABSD interaction. See the HDB bridging guide for the full framework. EC What is EC deferred bridging? + A specialised bridging facility for Executive Condominium buyers under the Deferred Payment Scheme (DPS). Bridges the cash-flow gap between EC handover (75% balance due) and HDB sale completion. Available from a narrower subset of lenders than standard bridging. Compliance Is bridgingloan.sg a financial adviser or broker? + No. Bridgingloan.sg is an independent comparison surface. We are not a MAS-licensed financial adviser, broker or lender. We exist to make publicly available information about Singapore bridging-loan products structured and easy to compare. How do you handle my personal data (PDPA)? + In accordance with the Personal Data Protection Act 2012. Information submitted via /quotes/ is shared only with the MAS-regulated mortgage broker or lender preparing your shortlist. See Privacy Policy for full details. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/hdb-bridging-loan/ HDB Bridging Loan Singapore — How It Works, Eligibility, Fees & Lender Comparison Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · HDB bridging HDB bridging loan in Singapore — complete guide An HDB bridging loan covers the cash-flow gap between buying a new HDB flat (or private property) and receiving sale proceeds from your existing HDB. It's the most common bridging-loan use case in Singapore — every MAS-regulated bank and finance company offers HDB bridging. How HDB bridging works Typical sequence for an HDB upgrader: You buy the new property (typically HDB resale or private). Down-payment due at OTP exercise + S&P signing. You sell your existing HDB. Sale proceeds arrive at completion, typically 12-20 weeks after S&P signing. If new-property completion is before existing-flat sale proceeds arrive, you need bridging to cover the gap. Lender disburses the bridging loan at new-property completion, secured against expected sale proceeds. When existing-flat sale completes, sale proceeds repay the bridging loan + accrued interest in one shot. Tenure is almost universally 6 months across SG lenders — short enough that the sale completes inside the window for the vast majority of typical HDB transactions. Eligibility Option to Purchase (OTP) signed on the new property Sale and Purchase agreement signed on the existing property OR firm sale arrangement in place TDSR / MSR rules apply to the onward mortgage; bridging loan itself usually does not affect TDSR Some lenders restrict to existing customers of their mortgage products Typical fees Legal fees (conveyancing): commonly SGD 1,500–3,000 Valuation fee (if not bundled with onward mortgage): SGD 300–500 Processing fee: varies by lender, sometimes waived if bundled with onward loan Key risks If your existing flat doesn't complete sale within the tenure window, you may need to extend or refinance — usually at materially higher interest rates Interest accrues from disbursement until repayment from sale proceeds Lock-in obligations on the onward mortgage may apply 10 lenders offer HDB bridging in Singapore Source-cited from each lender's published bridging-loan page. Click any lender for full profile + products offered. Bank (local) DBS Bank DBS Bank Ltd HDB Private Source: Lender page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) OCBC Bank Oversea-Chinese Banking Corporation Limited HDB Private Source: Lender page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) UOB United Overseas Bank Limited HDB Private Source: Lender page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Standard Chartered Standard Chartered Bank (Singapore) Limited HDB Private Source: Lender page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Maybank Singapore Maybank Singapore Limited HDB Private Source: Lender page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Hong Leong Finance Hong Leong Finance Limited HDB Private Source: Lender page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Singapura Finance Singapura Finance Ltd HDB Private Source: Lender page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Sing Investments & Finance Sing Investments & Finance Limited HDB Private Source: Lender page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Moneylender (MinLaw-licensed) Tradition Credit Tradition Credit Pte Ltd HDB Private Source: Lender page ↗ Tradition Credit bridging-loan page Verified 6 Jun 2026 Opens in a new tab Broker-lender hybrid GMG GMG Singapore Pte Ltd HDB Private EC deferred Source: Lender page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab Frequently asked questions What is an HDB bridging loan? A short-term loan that covers the cash-flow gap between buying a new HDB flat and receiving sale proceeds from selling your existing flat. Most lenders offer a 6-month tenure secured against the net sale proceeds of the outgoing flat. Useful for upgraders, downgraders and lateral movers within HDB or HDB-to-private transitions. Who can apply for an HDB bridging loan? You typically need: (1) Option to Purchase (OTP) signed on the new property; (2) A firm sale arrangement on your existing HDB (OTP signed or Sale and Purchase agreement executed); (3) Eligibility under the lender's general credit criteria. Some banks restrict bridging facilities to customers also taking the onward mortgage from the same bank. How much can I borrow? Typically up to the net sale proceeds you expect to receive from your existing HDB after settling the outstanding mortgage and any CPF refunds. Lenders verify expected proceeds against the OTP/S&P documents from the buyer. There is no fixed cap — it scales with your specific sale. What is the interest rate on an HDB bridging loan in Singapore? Singapore bridging-loan rates are not typically published as fixed percentages — they are pegged to the lender's prime/board rate or to SORA, quoted on application. Rates change with monetary conditions. Request a current quote from the lender directly or use the free shortlist tool to be matched with brokers across multiple lenders. How long is the bridging tenure? Industry-standard maximum is 6 months from disbursement. Some lenders allow extension at materially higher rates if the existing sale completes late. Plan the OTP and completion timelines carefully to avoid extension scenarios. What fees should I expect? Common fees: legal/conveyancing fees (SGD 1,500–3,000 for HDB), valuation fee (SGD 300–500 if not bundled with onward mortgage), and lender-specific processing fees (sometimes waived if bundled with the onward home loan). Confirm specific fees with the lender before signing. Does the bridging loan affect my TDSR? The bridging loan itself usually does not count toward TDSR (it's short-term, secured against pending proceeds). However, the onward mortgage on your new HDB does — and lenders consider your overall debt-servicing capacity when approving both facilities together. Which Singapore lenders offer HDB bridging? Most MAS-regulated banks (DBS, OCBC, UOB, Standard Chartered, Maybank) and the three MAS-regulated finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) offer HDB bridging facilities. 10 lenders in total are tracked in the lifeinsurance.com.sg lender library. Sources Eligibility, tenure and fee guidance drawn from each MAS-regulated lender'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 the lender or use the free shortlist tool . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/index.html Compare Bridging Loans Singapore — HDB, Private Property & EC Deferred Bridging Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Independent comparison Compare bridging loans in Singapore HDB, private property and EC deferred bridging — sourced rates from MAS-regulated banks and non-bank lenders. No fabricated quotes. No bank-funded rankings. 12 SG lenders 3 product types 6-month tenure Get a shortlist See current rates Information only — not financial advice. For personalised recommendations, consult a MAS-licensed mortgage broker. Pick the bridging-loan shape that fits Bridging-loan eligibility, max LTV and fees vary by the property you're transitioning between. HDB bridging For HDB upgraders selling and buying within the HDB or HDB-to-private path. HDB Loan and bank-loan options. HDB bridging guide Private property For private-to-private or private-to-HDB transitions. Bank bridging facilities and non-bank lender programs. Private bridging guide EC deferred bridging For Executive Condominium buyers needing to bridge between handover and HDB sale. EC bridging guide Singapore · Lender library Every MAS-regulated lender, source-cited 12 SG lenders covering HDB, private property and EC deferred bridging — every fact sourced from each lender's published bridging page with a verified date. All 12 lenders 7 banks + 3 finance companies + 2 specialists Compare lenders Side-by-side grouped by product type Full SG bridging guide Eligibility, fees, application process For AI agents & developers Machine-readable API + MCP server The bridgingloan.sg lender library is available as JSON and markdown for AI agents and developer tooling. Plus a public MCP (Model Context Protocol) JSON-RPC server with 5 tools — lookup_lender, list_active_lenders, compare_lenders, get_product_type, sg_bridging_market_facts. MCP server docs /api/all-lenders.json llms.txt Methodology Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/citi/ Citibank Singapore Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (foreign) Citibank Singapore bridging loan Citibank Singapore Limited Regulator: MAS (Banking Act 1970) Citibank Singapore bridging-loan page Source: Citibank Singapore bridging-loan page ↗ Citibank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bridging facility offered selectively via the home-loan team. Not heavily marketed but available for existing Citi mortgage customers. Bridging-loan products from Citibank Singapore Citibank Singapore offers 1 bridging-loan product type in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Citibank Singapore Specific factors to know about applying with Citibank Singapore. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about Citibank Singapore bridging How do I apply for a Citibank Singapore bridging loan? Apply through Citibank Singapore directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Citibank Singapore offer on bridging facilities? Citibank Singapore prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Citibank Singapore take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Citibank at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Citibank Singapore's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Citibank Singapore bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Citibank Singapore directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/dbs/ DBS Bank Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (local) DBS Bank bridging loan DBS Bank Ltd Regulator: MAS (Banking Act 1970) DBS Bank bridging-loan page Source: DBS Bank bridging-loan page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Singapore's largest local bank. Offers bridging loan for both HDB resale and private property transitions. Application typically via mortgage adviser or DBS digibank. Bridging-loan products from DBS Bank DBS Bank offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at DBS Bank Specific factors to know about applying with DBS Bank. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about DBS Bank bridging How do I apply for a DBS Bank bridging loan? Apply through DBS Bank directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does DBS Bank offer on bridging facilities? DBS Bank prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does DBS Bank take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with DBS at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from DBS Bank's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open DBS Bank bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact DBS Bank directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/gmg/ GMG Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Broker-lender hybrid GMG bridging loan GMG Singapore Pte Ltd Regulator: Operates as broker via licensed partners; verify scope before transacting GMG bridging-loan page Source: GMG bridging-loan page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab Operates as both a direct lender (for some products) and a broker routing to bank facilities. Always confirm whether GMG is acting as principal or intermediary on a specific transaction. Bridging-loan products from GMG GMG offers 3 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide EC deferred bridging loan For Executive Condominium (EC) buyers who can keep their existing HDB during the EC construction period under the Deferred Payment Scheme (DPS), then need to bridge the cash-flow gap between EC handover and HDB sale. A specialised use-case. Typical tenure Up to 6 months from EC handover (most lenders) Max principal Up to net sale proceeds from existing HDB Pricing model Same pricing logic as HDB bridging — pegged to lender's prime / SORA. Confirm directly. Full ec deferred bridging loan guide Eligibility nuances at GMG Specific factors to know about applying with GMG. · Operates as both direct lender (on some facilities) and broker (routing to MAS-regulated lender facilities on others). The principal vs intermediary role can vary by transaction. · Before signing any facility offer, confirm in writing whether the entity is acting as principal lender or as broker. If broker, identify the underlying MAS-regulated lender(s) and the commission framework. · Transparency on intermediary role is important — broker-lender hybrids can be useful for borrowers needing parallel quotes but require careful documentation of the principal-vs-broker role per transaction. Common questions about GMG bridging How do I apply for a GMG bridging loan? Apply through GMG directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does GMG offer on bridging facilities? GMG prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does GMG take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with GMG at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from GMG's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open GMG bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact GMG directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/hong-leong-finance/ Hong Leong Finance Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Finance company (NBFI) Hong Leong Finance bridging loan Hong Leong Finance Limited Regulator: MAS (Finance Companies Act 1967) Hong Leong Finance bridging-loan page Source: Hong Leong Finance bridging-loan page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Largest of Singapore's three MAS-regulated finance companies. Significant SME and property lending book. Bridging product is competitive vs banks for HDB and small private transactions. Bridging-loan products from Hong Leong Finance Hong Leong Finance offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Hong Leong Finance Specific factors to know about applying with Hong Leong Finance. · Regulated by MAS under the Finance Companies Act 1967 — a different licensing regime from full banks under the Banking Act 1970. MAS supervision continues to apply. · Finance company bridging facilities are often more flexible on borrower profile than the larger banks, particularly for self-employed applicants or non-standard income documentation. · Specific rates and fees are quoted per transaction. Some finance companies offer fixed-rate bridging facilities (rate locked at disbursement) as an alternative to bank prime / SORA-linked structures. · Credit Bureau Singapore report and standard income documentation typically required. Application timelines can be shorter than banks in some cases due to focused property-lending books. Common questions about Hong Leong Finance bridging How do I apply for a Hong Leong Finance bridging loan? Apply through Hong Leong Finance directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Hong Leong Finance offer on bridging facilities? Hong Leong Finance prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Hong Leong Finance take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Hong at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Hong Leong Finance's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Hong Leong Finance bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Hong Leong Finance directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/hsbc/ HSBC Singapore Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (foreign) HSBC Singapore bridging loan HSBC Bank (Singapore) Limited Regulator: MAS (Banking Act 1970) HSBC Singapore bridging-loan page Source: HSBC Singapore bridging-loan page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Global bank. SG bridging facility typically targeted at HSBC Premier / Jade customers. Bridging-loan products from HSBC Singapore HSBC Singapore offers 1 bridging-loan product type in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at HSBC Singapore Specific factors to know about applying with HSBC Singapore. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about HSBC Singapore bridging How do I apply for a HSBC Singapore bridging loan? Apply through HSBC Singapore directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does HSBC Singapore offer on bridging facilities? HSBC Singapore prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does HSBC Singapore take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with HSBC at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from HSBC Singapore's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open HSBC Singapore bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact HSBC Singapore directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/maybank/ Maybank Singapore Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (foreign) Maybank Singapore bridging loan Maybank Singapore Limited Regulator: MAS (Banking Act 1970) Maybank Singapore bridging-loan page Source: Maybank Singapore bridging-loan page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Malaysian banking group's SG arm. Maintains a bridging product alongside its mortgage range. Bridging-loan products from Maybank Singapore Maybank Singapore offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Maybank Singapore Specific factors to know about applying with Maybank Singapore. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about Maybank Singapore bridging How do I apply for a Maybank Singapore bridging loan? Apply through Maybank Singapore directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Maybank Singapore offer on bridging facilities? Maybank Singapore prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Maybank Singapore take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Maybank at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Maybank Singapore's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Maybank Singapore bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Maybank Singapore directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/ocbc/ OCBC Bank Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (local) OCBC Bank bridging loan Oversea-Chinese Banking Corporation Limited Regulator: MAS (Banking Act 1970) OCBC Bank bridging-loan page Source: OCBC Bank bridging-loan page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Second-largest SG local bank. Strong adviser-channel distribution. Bridging facility commonly bundled with the onward mortgage. Bridging-loan products from OCBC Bank OCBC Bank offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at OCBC Bank Specific factors to know about applying with OCBC Bank. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about OCBC Bank bridging How do I apply for a OCBC Bank bridging loan? Apply through OCBC Bank directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does OCBC Bank offer on bridging facilities? OCBC Bank prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does OCBC Bank take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with OCBC at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from OCBC Bank's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open OCBC Bank bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact OCBC Bank directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/sing-investments-finance/ Sing Investments & Finance Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Finance company (NBFI) Sing Investments & Finance bridging loan Sing Investments & Finance Limited Regulator: MAS (Finance Companies Act 1967) Sing Investments & Finance bridging-loan page Source: Sing Investments & Finance bridging-loan page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Third of Singapore's three MAS-regulated finance companies. Bridging product available for both HDB and private transitions. Bridging-loan products from Sing Investments & Finance Sing Investments & Finance offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Sing Investments & Finance Specific factors to know about applying with Sing Investments & Finance. · Regulated by MAS under the Finance Companies Act 1967 — a different licensing regime from full banks under the Banking Act 1970. MAS supervision continues to apply. · Finance company bridging facilities are often more flexible on borrower profile than the larger banks, particularly for self-employed applicants or non-standard income documentation. · Specific rates and fees are quoted per transaction. Some finance companies offer fixed-rate bridging facilities (rate locked at disbursement) as an alternative to bank prime / SORA-linked structures. · Credit Bureau Singapore report and standard income documentation typically required. Application timelines can be shorter than banks in some cases due to focused property-lending books. Common questions about Sing Investments & Finance bridging How do I apply for a Sing Investments & Finance bridging loan? Apply through Sing Investments & Finance directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Sing Investments & Finance offer on bridging facilities? Sing Investments & Finance prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Sing Investments & Finance take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Sing at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Sing Investments & Finance's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Sing Investments & Finance bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Sing Investments & Finance directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/singapura-finance/ Singapura Finance Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Finance company (NBFI) Singapura Finance bridging loan Singapura Finance Ltd Regulator: MAS (Finance Companies Act 1967) Singapura Finance bridging-loan page Source: Singapura Finance bridging-loan page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Smaller MAS-regulated finance company with a focused property-lending book. Often more flexible on eligibility than banks. Bridging-loan products from Singapura Finance Singapura Finance offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Singapura Finance Specific factors to know about applying with Singapura Finance. · Regulated by MAS under the Finance Companies Act 1967 — a different licensing regime from full banks under the Banking Act 1970. MAS supervision continues to apply. · Finance company bridging facilities are often more flexible on borrower profile than the larger banks, particularly for self-employed applicants or non-standard income documentation. · Specific rates and fees are quoted per transaction. Some finance companies offer fixed-rate bridging facilities (rate locked at disbursement) as an alternative to bank prime / SORA-linked structures. · Credit Bureau Singapore report and standard income documentation typically required. Application timelines can be shorter than banks in some cases due to focused property-lending books. Common questions about Singapura Finance bridging How do I apply for a Singapura Finance bridging loan? Apply through Singapura Finance directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Singapura Finance offer on bridging facilities? Singapura Finance prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Singapura Finance take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Singapura at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement 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 described above. Open Singapura Finance bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Singapura Finance directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/standard-chartered/ Standard Chartered Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (foreign) Standard Chartered bridging loan Standard Chartered Bank (Singapore) Limited Regulator: MAS (Banking Act 1970) Standard Chartered bridging-loan page Source: Standard Chartered bridging-loan page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Foreign bank with substantial SG mortgage book. Bridging facility commonly tied to SC home-loan products. Bridging-loan products from Standard Chartered Standard Chartered offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Standard Chartered Specific factors to know about applying with Standard Chartered. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about Standard Chartered bridging How do I apply for a Standard Chartered bridging loan? Apply through Standard Chartered directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Standard Chartered offer on bridging facilities? Standard Chartered prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Standard Chartered take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Standard at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Standard Chartered's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Standard Chartered bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Standard Chartered directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/tradition-credit/ Tradition Credit Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Moneylender (MinLaw-licensed) Tradition Credit bridging loan Tradition Credit Pte Ltd Regulator: Ministry of Law (Moneylenders Act 2008) Tradition Credit bridging-loan page Source: Tradition Credit bridging-loan page ↗ Tradition Credit bridging-loan page Verified 6 Jun 2026 Opens in a new tab Licensed moneylender (not a MAS-regulated bank or finance company) offering bridging facilities. Different regulatory framework — verify current licence on MinLaw's Registry of Moneylenders before transacting. Bridging-loan products from Tradition Credit Tradition Credit offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at Tradition Credit Specific factors to know about applying with Tradition Credit. · Operates under the Moneylenders Act 2008, regulated by the Ministry of Law (MinLaw) — not MAS. Materially different consumer-protection framework from MAS-regulated banks and finance companies. · The Moneylenders Act imposes specific interest-rate caps and disclosure requirements applicable to consumer loans from licensed moneylenders. · Always verify current MinLaw licence status on the Registry of Moneylenders before transacting. Licensed-moneylender status can change. · Borrowing from a licensed moneylender for property-transition financing should be a deliberate choice — verify the specific protection framework with a Singapore-qualified property lawyer before signing. Common questions about Tradition Credit bridging How do I apply for a Tradition Credit bridging loan? Apply through Tradition Credit directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does Tradition Credit offer on bridging facilities? Tradition Credit prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does Tradition Credit take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with Tradition at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from Tradition Credit's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open Tradition Credit bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact Tradition Credit directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lender/uob/ UOB Bridging Loan Singapore — Products, Eligibility & Source-Cited Facts Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bank (local) UOB bridging loan United Overseas Bank Limited Regulator: MAS (Banking Act 1970) UOB bridging-loan page Source: UOB bridging-loan page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Third local bank. Active mortgage book. Bridging loan typically priced against UOB board rate. Bridging-loan products from UOB UOB offers 2 bridging-loan product types in Singapore. Each links to a full product-type guide with eligibility, fees and key risks. 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. Typical tenure Up to 6 months from disbursement (most lenders); occasionally extendable Max principal Up to the equivalent of net sale proceeds from existing flat (after settling outstanding mortgage + CPF top-ups) Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Full hdb bridging loan guide Private 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. Typical tenure Up to 6 months (industry standard); occasionally extendable Max principal Up to the equivalent of net sale proceeds from outgoing property Pricing model Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Full private property bridging loan guide Eligibility nuances at UOB Specific factors to know about applying with UOB. · Bridging facility most commonly offered alongside the onward home loan from the same bank — bundling can simplify application processing and may improve negotiating position on pricing. · Application requires Option to Purchase (OTP) signed on new property + firm sale arrangement on existing property (typically buyer-side OTP or executed Sale & Purchase agreement). · Credit underwriting via Credit Bureau Singapore report. Income verification via latest payslips, IRAS Notice of Assessment and CPF contribution history. · TDSR per MAS Notice 645 applies primarily to the onward mortgage; bridging facility itself treated separately by most lenders as a short-tenure pending-sale-proceeds-secured facility. Common questions about UOB bridging How do I apply for a UOB bridging loan? Apply through UOB directly (via mortgage adviser or online channels where available), or via a MAS-regulated mortgage broker who can submit the application alongside any onward home-loan or refinancing application. Application reference numbers and adviser contact are issued at submission; maintain weekly check-ins through the underwriting period. What rate does UOB offer on bridging facilities? UOB prices bridging facilities on application. Banks typically reference prime / board rate or SORA + spread; finance companies often quote fixed per-transaction. Specific rate depends on transaction details and whether bundled with the onward mortgage. Request a written all-in-cost quote before signing the facility letter. How long does UOB take to approve a bridging-loan application? Typical bridging-loan underwriting takes 1-3 weeks at most MAS-regulated lenders, assuming complete documentation. Faster turnaround possible for existing customers with established credit history; slower for complex profiles or non-standard income documentation. Discuss expected timing with UOB at application. Related guides Full Singapore bridging-loan guide How bridging works, eligibility, fees, lenders How rates are priced Prime vs SORA vs fixed pricing models Bridging-loan fees Legal, valuation, stamp duty breakdown Application walkthrough Step-by-step from enquiry to disbursement Source & verification All facts ingested from UOB's published bridging-loan page. Specific rates and fees are quoted on application and may differ from any general framework described above. Open UOB bridging page . This page is informational only and does not constitute financial advice. For binding rates and eligibility, contact UOB directly or consult a MAS-licensed mortgage broker. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/lenders/ All Singapore Bridging Loan Lenders — Banks, Finance Companies & Brokers Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · All bridging-loan lenders All Singapore bridging-loan lenders 12 lenders covering the Singapore bridging-loan market — 7 MAS-regulated banks, 3 MAS-regulated finance companies, 1 MinLaw-licensed moneylender and 1 broker-lender hybrid. Each lender's bridging-loan page is linked with an ingestion-verified date. Banks (7) MAS-regulated under the Banking Act 1970. Sourced from each bank's published bridging-loan page. Bank (local) DBS Bank DBS Bank Ltd HDB Private Source: Lender page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) OCBC Bank Oversea-Chinese Banking Corporation Limited HDB Private Source: Lender page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) UOB United Overseas Bank Limited HDB Private Source: Lender page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Standard Chartered Standard Chartered Bank (Singapore) Limited HDB Private Source: Lender page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Maybank Singapore Maybank Singapore Limited HDB Private Source: Lender page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) HSBC Singapore HSBC Bank (Singapore) Limited Private Source: Lender page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Citibank Singapore Citibank Singapore Limited Private Source: Lender page ↗ Citibank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance companies (3) MAS-regulated under the Finance Companies Act 1967. Often more flexible on eligibility than banks. Finance company (NBFI) Hong Leong Finance Hong Leong Finance Limited HDB Private Source: Lender page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Singapura Finance Singapura Finance Ltd HDB Private Source: Lender page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Sing Investments & Finance Sing Investments & Finance Limited HDB Private Source: Lender page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Other lenders & brokers (2) Specialist lenders and broker-lender hybrids. Different regulatory framework — verify scope and licence before transacting. Moneylender (MinLaw-licensed) Tradition Credit Tradition Credit Pte Ltd HDB Private Source: Lender page ↗ Tradition Credit bridging-loan page Verified 6 Jun 2026 Opens in a new tab Broker-lender hybrid GMG GMG Singapore Pte Ltd HDB Private EC deferred Source: Lender page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab Verification Bank and finance-company licensing is verifiable on the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid . Moneylender licensing is verifiable on MinLaw's Registry of Moneylenders. Always confirm current licence status before transacting. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/methodology/ Methodology — How Bridging Loan Singapore Builds the Lender Library Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Methodology How we build the Singapore bridging-loan lender library Every fact rendered on bridgingloan.sg traces back to a public regulator page, lender marketing page, or industry-published guideline. This page documents the pipeline so anyone — buyers, brokers, journalists, regulators — can audit how a given fact got onto the site. Current state 12 lenders covered (7 banks, 3 MAS-regulated finance companies, 2 specialist lenders) 3 product types (HDB / private property / EC deferred bridging) Source-cited — every lender's published bridging-loan URL committed with a verified date 1. Source authority Three tiers of source authority used in the library: Regulators — MAS (Banking Act 1970 / Finance Companies Act 1967 / TDSR Notice 645 / SORA framework), HDB (resale eligibility, MOP, EC rules), IRAS (BSD, ABSD, remission framework), CPF Board (CPF withdrawal interaction), MinLaw (Moneylenders Act 2008). Lender published pages — each MAS-regulated bank and finance company's bridging-loan marketing page is the source-of-truth for that lender's product details. Industry guidance — Law Society of Singapore (conveyancing fee guidance), Credit Bureau Singapore (credit-report framework). 2. Ingestion process For each lender on the corpus: Identify the lender's bridging-loan marketing page via the lender's primary website Verify the lender's regulatory status on the MAS Financial Institutions Directory (or MinLaw Registry of Moneylenders for licensed moneylenders) Extract the published facts — products offered, eligibility framework, fee structure, regulatory category — into a structured JSON entry Record `verified_at` — ISO date of the last manual verification against the live lender page Commit to the repo as part of src/data/sg-bridging-lenders.json Unlike LifeInsuranceSG (where we use Claude vision + Sonnet to extract structured facts from PDF wordings), bridging-loan data is small enough to maintain manually — 12 lenders × ~10 structured fields each, refreshed quarterly. 3. Verification Every lender entry carries: bridging_page_url — the public URL on the lender's website verified_at — ISO date of the most recent manual verification regulator — explicit regulatory framework (Banking Act 1970 / Finance Companies Act 1967 / Moneylenders Act 2008) products_offered — array of product types from the canonical 3-shape framework A pre-build audit script ( audit-sg-compliance.cjs ) hard-fails any deploy that violates the SG compliance ruleset (PDPA / CPFTA / MAS reserved terms / Insurance Act underwriting impersonation / NRIC restriction). 4. Refresh cadence Quarterly — full library refresh, every lender's bridging-loan page re-verified Continuous — when a lender publishes a new bridging-loan page, an updated regulator framework, or a material product change, the affected entry is updated immediately Ad-hoc — when a buyer, broker or lender flags a discrepancy via hello@bridgingloan.sg , the specific entry is prioritised 5. What we don't publish Fabricated bridging-loan rates. Specific rates are quoted on application; we describe pricing-model mechanics, not invented numbers Indicative SGD ranges presented as binding lender quotes — every SGD range is explicitly flagged as industry-typical, not lender-specific "Best lender" or "#1 bridging loan" claims without disclosed methodology (CPFTA + ASAS hard rule) Lender ratings without a real underlying survey + disclosed methodology 6. Corrections If you spot an error or a stale source URL, please email hello@bridgingloan.sg . We respond to factual corrections within 1 business day and update the affected entry immediately. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/partners/ Partners — How Bridging Loan Singapore Works With Brokers & Lenders Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Partners How we work with brokers & lenders Bridgingloan.sg is an independent comparison surface. When you submit a shortlist request via /quotes/, your information is routed to a MAS-regulated mortgage broker or lender who prepares the shortlist and contacts you. Here's how that works. MAS-regulated intermediaries only Every partner we route to is verifiable on the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid . We do not route to unlicensed introducers or offshore intermediaries. Independent — no exclusive deals We do not take exclusive distribution agreements with any lender. Every MAS-regulated Singapore bridging-loan lender is represented in the lender library with equal data depth, regardless of commercial arrangement. PDPA compliant Data submitted via /quotes/ is shared only with the MAS-regulated broker or lender preparing your shortlist. We comply with the Personal Data Protection Act 2012. See our Privacy Policy . No obligation A shortlist request via this site is a request for information, not a commitment to borrow. You can decline, ask further questions, or seek a second opinion from any other MAS-regulated broker. Shortlist requests are free. For mortgage brokers & lenders We are actively building partner relationships with MAS-regulated Singapore mortgage brokerages and direct lenders. If your firm is interested in receiving qualified bridging-loan shortlist leads from the bridgingloan.sg surface, contact hello@bridgingloan.sg . We work on a per-lead basis with transparent, MAS-compliant referral arrangements. Pricing is fixed in writing before any leads are routed. Bridging leads bundle naturally with mortgage refinance leads — discuss combined arrangements. For data buyers (API / MCP) The lender library is available as a machine-readable surface: /api/lender/{slug}/facts.json — per-lender structured data /api/lender/{slug}/summary.md — LLM-grounding markdown /api/product-type/{slug}/facts.json — per-product-type structured data /api/all-lenders.json — combined index /api/mcp — Model Context Protocol JSON-RPC server (when live) /llms.txt + /llms-full.txt — llmstxt.org-compliant LLM-discovery indexes For commercial API access or bulk-data licensing: hello@bridgingloan.sg . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/privacy/ Privacy Policy — Bridging Loan Singapore Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Privacy Privacy Policy Last updated: 2026-06-06 Bridgingloan.sg is operated as an independent comparison surface. This policy explains how we handle personal data we collect on the site, in accordance with the Singapore Personal Data Protection Act 2012 (PDPA). 1. What we collect We collect the following categories of personal data only when you actively submit a form on the site: Shortlist request data via /quotes/ : property-transition type, target loan amount, transaction timeframe, name, email and mobile number. Contact-form data via hello@bridgingloan.sg : your name and email if you choose to include them. We do not collect NRIC, FIN, passport, financial-account, biometric or sensitive personal data via this site. 2. How we use it Prepare a personalised bridging-loan shortlist and route it to a MAS-regulated mortgage broker or lender. Respond to your inquiry. Comply with our legal obligations under Singapore law. 3. Who we share it with For shortlist requests, we share the data you submit with the MAS-regulated mortgage broker or lender preparing your shortlist. We do not sell your personal data to third parties. 4. PDPA consent By submitting a shortlist request, you give deemed consent under PDPA s14(1) and s15 for us to share the data with the MAS-regulated broker or lender preparing your shortlist. Consent text is displayed adjacent to the submit button on every form. 5. Withdrawal of consent You can withdraw consent at any time by emailing hello@bridgingloan.sg . We action requests within 30 days and inform any third party we have shared your data with. 6. Data retention We retain shortlist request data for as long as needed to fulfil the request, plus 24 months for record-keeping. After that, the data is deleted or anonymised. 7. Cookies and analytics The site uses no third-party analytics by default. Forms are processed through Netlify Forms, which encrypts in transit and at rest. We may add minimal analytics in future — this policy will be updated when that happens. 8. Security The site is served over HTTPS (TLS 1.3). Form submissions are processed through Netlify Forms. We follow the PDPA Protection Obligation and CISO-recommended controls. 9. Your rights under PDPA You have the right to (a) access your personal data; (b) request correction; (c) withdraw consent; and (d) lodge a complaint with the Personal Data Protection Commission (PDPC) at pdpc.gov.sg . 10. Contact Data Protection inquiries: hello@bridgingloan.sg . 11. Changes to this policy We may update this policy from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be flagged at the top for 30 days. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/private-property-bridging-loan/ Private Property Bridging Loan Singapore — Guide for Condo & Landed Transitions Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Private property bridging Private property bridging loan in Singapore Private property bridging loans cover the cash-flow gap when transitioning between private properties (condo, landed) or from HDB to private. 12 SG lenders offer private-property bridging — every major bank and all three MAS-regulated finance companies. When private property bridging fits Most common situations: HDB upgrader buying private. HDB sale typically completes 12-20 weeks after S&P signing; private completion can be faster. Bridging covers the gap. Private-to-private transition. Selling existing condo to buy another. Less timing-predictable than HDB; bridging is common. Downgrader (private to HDB). Less frequent but real — selling a larger private property to buy HDB. Same bridging mechanics. Cross-border buyer. Selling overseas property and bringing proceeds to buy in Singapore. Currency-conversion timing can extend the gap; bridging covers it. Eligibility OTP signed on incoming property Sale arrangement (OTP signed or S&P executed) on outgoing property Often offered only when bundled with the onward private-property mortgage from the same lender Standard credit underwriting + TDSR on the onward mortgage Typical fees Legal fees (conveyancing): commonly SGD 2,000–4,000 for private property Valuation fee: SGD 300–800 Processing fee: varies Key risks Private-property sale timelines are less predictable than HDB — buyer-side financing can fall through Stamp duty and ABSD interaction can affect overall cash-flow needs Currency / overseas-buyer transactions add operational complexity 12 lenders offer private property bridging Source-cited from each lender's published bridging-loan page. Click any lender for full profile. Bank (local) DBS Bank DBS Bank Ltd HDB Private Source: Lender page ↗ DBS Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) OCBC Bank Oversea-Chinese Banking Corporation Limited HDB Private Source: Lender page ↗ OCBC Bank bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (local) UOB United Overseas Bank Limited HDB Private Source: Lender page ↗ UOB bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Standard Chartered Standard Chartered Bank (Singapore) Limited HDB Private Source: Lender page ↗ Standard Chartered bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Maybank Singapore Maybank Singapore Limited HDB Private Source: Lender page ↗ Maybank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) HSBC Singapore HSBC Bank (Singapore) Limited Private Source: Lender page ↗ HSBC Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Bank (foreign) Citibank Singapore Citibank Singapore Limited Private Source: Lender page ↗ Citibank Singapore bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Hong Leong Finance Hong Leong Finance Limited HDB Private Source: Lender page ↗ Hong Leong Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Singapura Finance Singapura Finance Ltd HDB Private Source: Lender page ↗ Singapura Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Finance company (NBFI) Sing Investments & Finance Sing Investments & Finance Limited HDB Private Source: Lender page ↗ Sing Investments & Finance bridging-loan page Verified 6 Jun 2026 Opens in a new tab Moneylender (MinLaw-licensed) Tradition Credit Tradition Credit Pte Ltd HDB Private Source: Lender page ↗ Tradition Credit bridging-loan page Verified 6 Jun 2026 Opens in a new tab Broker-lender hybrid GMG GMG Singapore Pte Ltd HDB Private EC deferred Source: Lender page ↗ GMG bridging-loan page Verified 6 Jun 2026 Opens in a new tab Frequently asked questions What is a private property bridging loan? A short-term loan secured against the expected sale proceeds of your outgoing private property (condo, landed) — typically with a 6-month tenure. Bridges the cash-flow gap between completing the new property purchase and receiving the sale proceeds of the old property. When do I need private property bridging? Most commonly when completion timing on the new property runs ahead of sale-completion on the existing property. Private-property transactions in Singapore often have less predictable timelines than HDB (more buyer-financing variables, ABSD interactions, currency conversions for overseas buyers), making bridging more frequently needed. How much can I bridge? Typically up to the net sale proceeds you expect to receive from your outgoing property after settling the outstanding mortgage and any encumbrances. Lenders verify expected proceeds against the OTP or S&P documents from the incoming buyer. Is the bridging loan bundled with the onward mortgage? Often yes — many banks restrict their bridging facilities to customers also taking the onward mortgage from the same bank. This bundle simplifies operations (one bank handles disbursement, conveyancing, repayment) but may limit your shopping flexibility on the onward mortgage rate. How are private property bridging rates priced? Same general logic as HDB bridging — pegged to the lender's prime/board rate or to SORA. Specific rate is quoted on application and varies by lender. Banks rarely publish fixed %ages for bridging facilities. Contact the lender directly or use the free shortlist tool to be matched with brokers. What about ABSD interaction? When buying a second property while still holding the existing one, ABSD (Additional Buyer's Stamp Duty) applies. If you sell the existing property within the ABSD remission window (typically 6 months from completion of the new property), you can apply for ABSD remission. Bridging loan timing aligns with this window. Consult a Singapore property lawyer for specifics. Which lenders offer private property bridging? Most MAS-regulated banks (DBS, OCBC, UOB, Standard Chartered, Maybank, HSBC, Citi) and the three MAS-regulated finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) offer private-property bridging. 12 lenders in total are tracked. Sources Eligibility, tenure and fee guidance drawn from each MAS-regulated lender's published bridging-loan page. Specific rates and fees are quoted on application. ABSD and stamp-duty rules from IRAS. This page is informational only and does not constitute financial or legal advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/quotes/ Get a Bridging Loan Shortlist Singapore — Free, MAS-Regulated Brokers Only Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Free bridging-loan shortlist Get a bridging-loan shortlist Compared across every MAS-regulated SG lender. Step 1 of 5 What's the property transition? Bridging-loan eligibility depends on what you're moving from and to. HDB → HDB Upgrading or moving between HDB flats HDB → Private Selling HDB to buy private (condo / landed) Private → Private Selling private to buy private property Private → HDB Downgrading to HDB EC (Deferred Payment) Buying EC under DPS, bridging HDB sale on handover Not sure yet We'll match you with a broker who'll work through your situation Your information is protected. Privacy Policy bridgingloan.sg works with MAS-regulated mortgage brokers and lenders. We are not a lender. MAS-regulated brokers only Every shortlist routes only through MAS-regulated brokers and lenders. 1 business day response Typical turnaround for a personalised bridging-loan shortlist. PDPA compliant Your data is shared only with the broker/lender preparing your shortlist. Why request a shortlist here bridgingloan.sg is an independent comparison surface — not a lender, not a broker. We route your request to the MAS-regulated channel best matched to your transition. All 12 lenders covered Banks (DBS / OCBC / UOB / Standard Chartered / Maybank / HSBC / Citi), finance companies (HLF / Singapura Finance / SIF) and specialist lenders all in the shortlist universe. Independent comparison No exclusive deals. No fabricated "best rate" rankings. Every lender represented with sourced data. PDPA compliant Your information is shared only with the MAS-regulated broker or lender preparing your shortlist. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/quotes/thank-you/ Thank You — Your Bridging Loan Shortlist Request Received Bridging Loan Singapore Lenders Rates Calculator Get shortlist Back to homepage Thank you We've received your bridging-loan shortlist request and a MAS-regulated mortgage broker will reach out shortly. What happens next We review your transition details — property type, target loan amount, transaction timeframe. We match against the active lender catalogue — 7 MAS-regulated banks (DBS, OCBC, UOB, Standard Chartered, Maybank, HSBC, Citi), 3 finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) and 2 specialist lenders. A MAS-regulated mortgage broker will contact you within 1 business day with the shortlist + indicative pricing. You're under no obligation — review, ask questions, decide on your own timeline. Your data is protected Your information is securely stored and shared only with the MAS-regulated mortgage broker or lender preparing your shortlist. We are fully compliant with Singapore's Personal Data Protection Act 2012 (PDPA). TLS encryption · PDPA compliant · See our Privacy Policy Need to update or remove your request? Email us hello@bridgingloan.sg Typical response Within 1 business day (Mon-Fri, 9AM-6PM SGT) While you wait — read up on Singapore bridging loans All 12 lenders Browsable directory with source-cited bridging pages Rate comparison Side-by-side across every lender Pick a product shape HDB vs private vs EC deferred guides Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/rates/ Singapore Bridging Loan Rates Comparison — All Lenders, All Products Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging-loan rates Singapore bridging-loan rates & products Side-by-side comparison of every active bridging-loan product across 12 SG lenders. 23 active product offerings grouped by type. A word on rates Singapore bridging-loan rates are not typically published as fixed %ages on lender marketing pages. Banks quote against prime or SORA references and adjust monthly; non-bank lenders price per-transaction. The table below shows the pricing model (e.g. "Pegged to prime/SORA") and points to the lender's bridging-loan page where current quotes are obtained on application. For specific binding rates, contact the lender directly or use the free shortlist tool to be matched with mortgage brokers across multiple lenders. HDB bridging loan (10) Private property bridging loan (12) EC deferred bridging loan (1) HDB bridging loan · 10 lenders 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. Lender Category Typical tenure Pricing model Source DBS Bank Bank (local) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ DBS Bank bridging page Verified 6 Jun 2026 Opens in a new tab OCBC Bank Bank (local) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ OCBC Bank bridging page Verified 6 Jun 2026 Opens in a new tab UOB Bank (local) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ UOB bridging page Verified 6 Jun 2026 Opens in a new tab Standard Chartered Bank (foreign) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Standard Chartered bridging page Verified 6 Jun 2026 Opens in a new tab Maybank Singapore Bank (foreign) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Maybank Singapore bridging page Verified 6 Jun 2026 Opens in a new tab Hong Leong Finance Finance company (NBFI) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Hong Leong Finance bridging page Verified 6 Jun 2026 Opens in a new tab Singapura Finance Finance company (NBFI) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Singapura Finance bridging page Verified 6 Jun 2026 Opens in a new tab Sing Investments & Finance Finance company (NBFI) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Sing Investments & Finance bridging page Verified 6 Jun 2026 Opens in a new tab Tradition Credit Moneylender (MinLaw-licensed) Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ Tradition Credit bridging page Verified 6 Jun 2026 Opens in a new tab GMG Broker-lender hybrid Up to 6 months from disbursement (most lenders); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender and is quoted on application — confirm directly with the lender. Source: Page ↗ GMG bridging page Verified 6 Jun 2026 Opens in a new tab Private property bridging loan · 12 lenders 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. Lender Category Typical tenure Pricing model Source DBS Bank Bank (local) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ DBS Bank bridging page Verified 6 Jun 2026 Opens in a new tab OCBC Bank Bank (local) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ OCBC Bank bridging page Verified 6 Jun 2026 Opens in a new tab UOB Bank (local) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ UOB bridging page Verified 6 Jun 2026 Opens in a new tab Standard Chartered Bank (foreign) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Standard Chartered bridging page Verified 6 Jun 2026 Opens in a new tab Maybank Singapore Bank (foreign) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Maybank Singapore bridging page Verified 6 Jun 2026 Opens in a new tab HSBC Singapore Bank (foreign) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ HSBC Singapore bridging page Verified 6 Jun 2026 Opens in a new tab Citibank Singapore Bank (foreign) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Citibank Singapore bridging page Verified 6 Jun 2026 Opens in a new tab Hong Leong Finance Finance company (NBFI) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Hong Leong Finance bridging page Verified 6 Jun 2026 Opens in a new tab Singapura Finance Finance company (NBFI) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Singapura Finance bridging page Verified 6 Jun 2026 Opens in a new tab Sing Investments & Finance Finance company (NBFI) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Sing Investments & Finance bridging page Verified 6 Jun 2026 Opens in a new tab Tradition Credit Moneylender (MinLaw-licensed) Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ Tradition Credit bridging page Verified 6 Jun 2026 Opens in a new tab GMG Broker-lender hybrid Up to 6 months (industry standard); occasionally extendable Pegged to the lender's prime / board rate OR SORA-linked. Specific rate varies by lender — confirm directly with the lender. Source: Page ↗ GMG bridging page Verified 6 Jun 2026 Opens in a new tab EC deferred bridging loan · 1 lender For Executive Condominium (EC) buyers who can keep their existing HDB during the EC construction period under the Deferred Payment Scheme (DPS), then need to bridge the cash-flow gap between EC handover and HDB sale. A specialised use-case. Lender Category Typical tenure Pricing model Source GMG Broker-lender hybrid Up to 6 months from EC handover (most lenders) Same pricing logic as HDB bridging — pegged to lender's prime / SORA. Confirm directly. Source: Page ↗ GMG bridging page Verified 6 Jun 2026 Opens in a new tab How to use this Click any lender for its full profile with all products + source-cited bridging-loan page. For a personalised shortlist mapped to your situation (HDB or private, sale timeline, loan amount needed), use the free shortlist tool — we route to MAS-regulated mortgage brokers who carry bridging facilities across multiple lenders. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/terms/ Terms of Use — Bridging Loan Singapore Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Terms Terms of use Last updated: 2026-06-06 1. About these terms These terms govern your use of bridgingloan.sg (the "Site"). By using the Site you agree to these terms. 2. The Site is not financial advice Information on the Site — including lender profiles, comparison tables, eligibility frameworks, fee guides and FAQ answers — is informational only and does not constitute financial advice under the Singapore Financial Advisers Act. For personalised recommendations, consult a MAS-regulated mortgage broker or licensed financial adviser. Search the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid for licensed firms. 3. We are not a lender Bridgingloan.sg is an independent comparison surface. We do not lend, underwrite or disburse credit. Shortlists routed through the Site are prepared by MAS-regulated mortgage brokers or lenders — final terms are subject to their underwriting. 4. Accuracy of information Every fact rendered on a lender page is sourced from the lender's published bridging-loan page with a source-link and an ingestion-verified date. Eligibility, fees and pricing-model framework cite MAS / HDB / IRAS / CPF Board / MinLaw published guidance. We aim for accuracy but make no warranty as to completeness or currency. Always verify against the source page or the lender directly before acting. 5. Third-party links The Site links to external resources (lender websites, MAS, HDB, IRAS, CPF Board, Law Society, MinLaw, Credit Bureau Singapore). We are not responsible for the content, privacy practices, or availability of third-party sites. 6. Intellectual property The Site's editorial content, structured-data extractions, design tokens and code are owned by Bridging Loan Singapore unless otherwise noted. Lender names, logos and product descriptions remain the property of the respective lenders. 7. Limitation of liability To the extent permitted by Singapore law, Bridgingloan.sg accepts no liability for any direct, indirect, incidental or consequential loss arising from your use of, or reliance on, information presented on the Site. Material financial decisions should always be made after consultation with a MAS-regulated mortgage broker or licensed financial adviser. 8. Governing law These terms are governed by Singapore law. Disputes are subject to the exclusive jurisdiction of the Singapore courts. 9. Changes We may update these terms from time to time. The "Last updated" date reflects the most recent revision. Material changes will be flagged at the top for 30 days. 10. Contact For questions about these terms: hello@bridgingloan.sg . Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. --- ### https://bridgingloan.sg/what-is-bridging-loan/ What Is a Bridging Loan? Singapore Property Buyer's Explainer 2026 Bridging Loan Singapore Lenders Rates Calculator Get shortlist Singapore · Bridging loan explainer What is a bridging loan? A bridging loan is a short-term loan (typically 6 months in Singapore) that covers the cash-flow gap between buying a new property and receiving sale proceeds from your existing property. It bridges the timing gap — hence the name. The cash-flow problem bridging solves When you're upgrading from one Singapore property to another, the typical sequence creates a timing problem: You find the new property you want to buy. You sign the OTP (Option to Purchase) and pay a booking deposit. Within 3 weeks, you sign the Sale & Purchase agreement on the new property. The remainder of the down-payment is due. You list and sell your existing property. HDB resale completion typically takes 12-20 weeks; private property can be wider. You take possession of the new property — but your existing property may not have completed sale yet. The cash you were going to use is still locked in the outgoing property. That gap between "I need to pay for the new property" and "sale proceeds from the existing property arrive" is where bridging fits. How it actually works At completion of your new-property purchase, the bridging lender disburses the loan into your account (or directly to the seller's law firm). The loan amount is typically up to the net sale proceeds you expect to receive from your existing property. Interest accrues from disbursement at the agreed rate. Most bridging facilities are interest-only — no principal repayments during the tenure. When your existing-property sale completes, the sale proceeds repay the bridging loan principal plus accumulated interest in a single lump sum. The standard tenure is 6 months across virtually all SG lenders — enough time for the existing sale to complete in normal market conditions. Extensions are possible at higher rates if the sale runs late. When you need one (and when you don't) You need bridging when: Your new-property completion is firmly before your existing-property sale completion You don't have liquid savings to cover the down-payment gap from cash You're buying first then selling — common in Singapore because of OTP / S&P timing pressure You don't need bridging when: You sell first then buy, with completion of the sale before commitment on the new property You have enough liquid savings (including CPF) to fund the entire down-payment without waiting for sale proceeds You're buying without selling (no existing property to bridge against) Three product shapes — pick yours HDB bridging HDB upgraders, downgraders, lateral movers. Guide Private property Condo and landed transitions, HDB-to-private upgraders. Guide EC deferred EC buyers under Deferred Payment Scheme. Guide Next steps Read the full bridging-loan guide for the complete framework, the interest-rate guide for how rates are priced, or use the free shortlist tool to be matched with MAS-regulated mortgage brokers in 1 business day. Frequently asked questions In one sentence — what is a bridging loan? A short-term loan (typically 6 months) that covers the cash-flow gap between buying your new property and receiving sale proceeds from your existing property. When do I need a bridging loan? When the completion date on your new property arrives before the completion date on the sale of your existing property — and you don't have enough cash on hand to cover the down-payment from savings alone. When do I NOT need a bridging loan? When you can time the sale of your existing property to complete before the new-property completion (rare in practice), or when you have enough liquid savings to fund the new-property down-payment without waiting for the sale proceeds. How is a bridging loan different from a home loan? Home loans are long-term (10-30 years), amortising (principal + interest paid monthly), and secured by a permanent mortgage over the property. Bridging loans are short-term (6 months), typically interest-only with a single lump-sum repayment, and secured by expected sale proceeds rather than a permanent mortgage. How long does a bridging loan last? Industry-standard 6 months in Singapore across virtually all MAS-regulated lenders. Some lenders allow extension at materially higher rates if your sale completes late. Who issues bridging loans in Singapore? MAS-regulated banks (DBS, OCBC, UOB, Standard Chartered, Maybank, HSBC, Citi), MAS-regulated finance companies (Hong Leong Finance, Singapura Finance, Sing Investments & Finance), and a small set of specialist lenders. Do I apply for the bridging loan or does the bank arrange it? You apply — typically through the same bank handling your onward mortgage, or via a MAS-regulated mortgage broker who can compare across multiple lenders. The bridging facility is approved on a transaction-specific basis. Sources Bridging-loan mechanics drawn from MAS-regulated lender published bridging-loan pages and standard Singapore property-transaction documentation. This page is informational only and does not constitute financial advice. Compare All lenders Rate table Calculator HDB bridging Private property Guides Bridging loan SG guide What is a bridging loan Interest rates EC deferred bridging By bank DBS OCBC UOB Standard Chartered Maybank HSBC About About Methodology Partners FAQ Privacy Terms MCP server Get in touch hello@bridgingloan.sg Get a shortlist © 2026 Bridging Loan Singapore. Information only — not financial advice. Always verify rates and eligibility with the lender or a MAS-licensed financial adviser before committing. ---