# Bridging Loans in Singapore: The Complete 2026 Guide

Insights article · Singapore · Published 2026-07-17 · Updated 2026-08-13 · By Rikvin Capital

> Private bridging loans in Singapore from 0.4% per month. How bridging finance works, rates, timelines, LTV and bank vs private options, updated for 2026.

## Highlights

- Bridging loans in Singapore are short-term property-secured facilities, typically 3 to 24 months, used to move on a purchase or unlock liquidity before longer-term funding lands.
- Private bridging rates start from 0.4% per month, with indicative terms issued within 24 hours and funds in as little as two weeks.
- Facilities from S$1M to S$50M+, up to 70% loan-to-value, secured against residential, commercial or landed property, including GCBs and shophouses.
- Banks assess income under the 55% TDSR framework; private lenders assess the asset and your exit, which is why asset-rich borrowers bridge privately.
- [Request indicative terms](https://www.rikvincapital.com/sg/contact-us)

## What is a bridging loan?

A bridging loan is a short-term loan secured against property, designed to cover a funding gap between a payment you must make now and money you will receive later. The most common case is buying a new property before an existing one is sold. In Singapore, bridging loans run from a few months up to about two years and are repaid in one exit event: a sale completing, a mortgage refinance, or funds arriving.

Because the loan is underwritten against the security property and the exit rather than monthly income, the assessment centres on the asset and your plan, not on lengthy income documentation.

## How bridging loans work in Singapore

Every bridging facility has three parts:

1. **The security.** A first (or sometimes second) charge over Singapore property: condominiums, landed homes, GCBs, shophouses, offices, or land. The stronger and more liquid the asset, the better the terms.
2. **The advance.** Up to 70% of the property's value, from S$1M to S$50M and above. Valuation is instructed early; [our process](https://www.rikvincapital.com/sg/process) issues an indicative term sheet within 24 hours of the first conversation.
3. **The exit.** How the loan is repaid: completion of a sale, a bank refinance, or a liquidity event. A credible exit is the single most important factor in pricing and approval.

Interest can be serviced monthly or rolled up, meaning capitalised and settled at the end of the term, so the facility requires zero monthly servicing while it runs. That structure suits borrowers whose wealth is in assets rather than salary income.

For a worked example, see how we funded a [prime residential bridging loan on Holland Road](https://www.rikvincapital.com/sg/case-study/prime-residential-bridging-loan-for-holland-road-property).

## Bridging loan interest rates in Singapore

Private bridging loan rates in Singapore start **from 0.4% per month**. Pricing on any given facility depends on four things:

- **Loan-to-value:** lower LTV, lower rate.
- **The asset:** prime, easily-sold property prices tighter than specialist or part-built assets.
- **The exit:** a signed sale with a completion date beats an open-market listing.
- **Structure:** first charge, serviced interest and shorter tenure all reduce the rate; roll-up and second charges price higher.

There are no hidden charges: expect the rate, a facility fee, and your own legal and valuation costs. We set out every number in the term sheet before you commit. See [our lending services](https://www.rikvincapital.com/sg/bridging-loans) for facility types.

## Bank vs private bridging loans

Singapore banks such as DBS, UOB and OCBC offer bridging products, usually tied to the sale of an existing home and capped at the sale proceeds. They are the right tool for a straightforward upgrade with a confirmed sale: the rate is lower and the product is standardised.

Private bridging exists for everything the standard product cannot do:

- **Speed:** indicative terms in 24 hours and completion in about two weeks.
- **TDSR:** banks must apply the 55% Total Debt Servicing Ratio to your declared income. A private lender underwrites the asset and the exit, so [TDSR-blocked, asset-rich borrowers](https://www.rikvincapital.com/sg/insights/rikvin-capital-tdsr-blocked-borrowers-asset-first-loan) are not shut out.
- **Larger and more complex deals:** S$1M to S$50M+, corporate borrowers, [commercial property and foreign-owned structures](https://www.rikvincapital.com/sg/insights/bridging-fund-singapore-commercial-property-foreign-owners), auction purchases, decoupling and ABSD timelines.
- **Flexible structures:** rolled-up interest, bespoke tenures from 3 to 24 months, exits built around your actual liquidity event.

For the full breakdown, including when the bank is the right choice, read our [bank vs private bridging loan comparison](https://www.rikvincapital.com/sg/insights/bank-vs-private-bridging-loan-singapore).

## Who uses bridging finance in Singapore

The typical Rikvin Capital borrower is asset-rich and time-poor: private property owners upgrading or decoupling, business owners unlocking equity in commercial premises, family offices moving on time-sensitive acquisitions, and [foreign investors buying Singapore property](https://www.rikvincapital.com/sg/insights/foreigners-guide-to-buying-property-in-singapore) through structures a bank cannot underwrite quickly. Auction purchases, where completion deadlines are fixed at the fall of the hammer, are a natural fit for [auction bridging loans](https://www.rikvincapital.com/sg/bridging-loans/auction-bridging-loan).

## How fast can you get a bridging loan?

From first call to term sheet: **24 hours**. From term sheet to funds: **around two weeks**, driven by valuation access, title review and legal completion. The five stages, from enquiry through indicative terms, valuation and legal to drawdown, are set out step-by-step in [our application process](https://www.rikvincapital.com/sg/process). As a direct lender we make credit decisions in-house; there is no external committee cycle.

## Eligibility: what we look at

- **The property:** Singapore residential, commercial, landed (including GCB), shophouse or land, owned personally or through a company or trust.
- **The numbers:** facility of S$1M or more at up to 70% LTV.
- **The exit:** sale, refinance or liquidity event within 3 to 24 months.
- **The borrower:** individuals, corporates and foreign owners are all fundable; income documentation is not the gating factor.

If those four line up, [talk to us](https://www.rikvincapital.com/sg/contact-us) and you will have indicative terms within a day.

## Frequently asked questions

### What is a bridging loan in Singapore?

A bridging loan is a short-term loan secured against property, used to cover the gap between a payment due now and funds arriving later. The most common case is buying a new property before your current one is sold. Terms typically run 3 to 24 months and the loan is repaid in one exit event such as a sale or refinance.

### How much does a bridging loan cost in Singapore?

Private bridging loan rates start from 0.4% per month, plus a facility fee and your own legal and valuation costs. The rate depends on loan-to-value, the quality of the security property, and how certain the exit is. Every cost is itemised in the term sheet before you commit.

### How fast can I get a bridging loan?

Indicative terms are issued within 24 hours of the first conversation, and funds can be drawn in around two weeks, subject to valuation and legal completion. As a direct lender, we make credit decisions in-house with no external committee cycle.

### What is the maximum LTV for a bridging loan in Singapore?

Up to 70% of the property's value for Singapore assets. Lower LTV requests price at lower rates, and both first and second charge structures are considered depending on the asset and exit.

### Do banks offer bridging loans in Singapore?

Yes. DBS, UOB and OCBC offer bridging products, typically tied to the confirmed sale of an existing home and subject to the 55% TDSR income test. They suit standard upgrade moves. Private bridging covers what falls outside that box: speed, size, corporate borrowers, complex assets and TDSR-blocked situations.

### Can foreigners get a bridging loan in Singapore?

Yes. Foreign individuals and offshore companies owning Singapore property can be funded, including commercial assets held through structures. The underwriting focus stays on the asset and the exit rather than local income history.

### What can a bridging loan be used for?

Buying before selling, auction purchases with fixed completion deadlines, decoupling and ABSD timelines, unlocking equity from investment or commercial property, and corporate liquidity needs secured against real estate.

### How do I repay a bridging loan?

Through your exit: completion of a property sale, refinancing onto a long-term mortgage, or a maturing liquidity event. Interest is either serviced monthly or rolled up and settled with the principal at the end of the term, so no monthly payments are required while the loan runs.

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