Property Mortgage Loans

A mortgage loan is a type of loan that allows the borrower to purchase a house or property.

If you’re looking for a quick and simple way to buy your dream property in Singapore, then this is the right place.

We have various property mortgage loans that best suit your needs.

Differences in Property Mortgage Loans

	VM Credit	Financial Institutions
Basis for loan approval	Real Estate	Income, credit score, credit history, etc
Minimum credit rating	Not Critical	BB
Documentation	Minimal	Significant
Property Types	All except HDB and JTC properties	Typically residential and commercial (depending on trades)
Loan Terms	Flexible	Rigid
Approval Process	Within 1 week	A few days to a few weeks
Loan Disbursement	Within 1-2 weeks from approval	2-3 months from approval

We provide equity-based lending against commercial and residential properties

Enjoy extended loan tenures as long as 15 years

We can structure complex loans with multiple collaterals

Fast and efficient response since our loans are privately funded. Ease of documentation requirements with minimal paperwork

High degree of transparency with lawyers handling all the necessary legal documentation

With all necessary documentation submitted, we will process your application, and you will hear from us within a few working days, depending on the complexity of the case.

We will send you a letter of offer.
Upon acceptance, we will proceed with mortgage processing.
Loans will be disbursed as fast as within a few working days from loan approval (for fully paid properties); and up to 4 weeks (for properties with existing bank loans and/or CPF usage due to the longer time it takes your existing financier to prepare the redemption documents).