A unit at ARC 380 is financed with cash and a bank loan. There is no regulatory loan-to-value ceiling on commercial property the way there is on housing, so the figure a bank will lend is set by its own credit policy and turns mainly on how the unit will be used. This page sets out what that usually looks like; the purchase calculator applies it to a specific price.
Lending is use-driven. An operating company buying premises it will occupy is treated most favourably, because the bank is lending against a business that will maintain and use the space. An investment purchase let to a tenant is usually capped lower.
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| Situation | Indicative loan-to-value |
|---|---|
| Owner-occupied by the purchasing business | up to about 90% |
| Bought as an investment and let out | up to about 80% |
| Borrower already servicing another property loan | can fall to about 55% |
Indicative only. Each bank sets its own policy — confirm with your bank before commitment.
Loan tenure is commonly available to 25 or 30 years. Where a unit sits on a lease, banks shorten tenure as the remaining term runs down and reduce the amount they will advance. ARC 380 is freehold, so there is no remaining-lease constraint pulling either figure in — an advantage that matters at purchase and again at refinancing, when a shortening lease is what typically narrows the options.
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| Borrower | Basis of assessment |
|---|---|
| An individual, including a sole proprietor | The Total Debt Servicing Ratio applies, capping total monthly debt obligations at 55% of assessed income. |
| A company | The Total Debt Servicing Ratio does not apply. The bank assesses the company’s financials, and usually looks for personal guarantees from the directors. |
Indicative only. Confirm with MAS guidance and your bank before commitment.
CPF cannot be used for commercial property. The deposit, the Buyer’s Stamp Duty, the 9% GST and the legal fees are all funded in cash, and the GST in particular is not covered by the loan. That makes the cash position, rather than the headline loan-to-value, the figure worth establishing first — the purchase calculator reports it directly, and compares 70%, 80% and 90% side by side.
The pricing page carries the current asking range and the balance units chart shows what remains available. For an indicative loan position on a specific unit, get in touch or arrange a viewing, and the Sales Concierge will work the figures through with you.