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)
OCBC Bank
Oversea-Chinese Banking Corporation Limited
Bank (foreign)
Standard Chartered
Standard Chartered Bank (Singapore) Limited
Finance company (NBFI)
Hong Leong Finance
Hong Leong Finance Limited
Finance company (NBFI)
Sing Investments & Finance
Sing Investments & Finance Limited
Moneylender (MinLaw-licensed)
Tradition Credit
Tradition Credit Pte Ltd
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.