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1. What is a bridging Loan?

A bridging loan is a short-term solution to help a borrower quickly access cash to meet an urgent need.

The typical bridging loan term is one year, although this can be extended to 2 to 3 years on a case-by-case basis.

Popular uses of a bridging loan include putting a downpayment for a new property while waiting to sell your existing home. Or making an urgent business investment while bank financing is being arranged.

Read about real-life examples of how to make full use of a Singapore bridging loan.

2. What is different about the bridging loan that GMG's lenders are offering?

Unlike traditional banks, GMG’s lenders focus on the quality and value of the real estate collateral to determine eligibility and terms of the bridging loan.

Traditional bank loans often impose requirements for age, income and Total Debt Servicing Ratio (TDSR), which are not needed when you apply for a bridging loan offered by GMG’s lenders.

Moreover, there is no requirement for the borrower to maintain an account or deposit funds with the lenders in GMG’s network.

3. What are some other advantages of a Singapore bridging loan?

One major advantage of the bridging loan that GMG’s lenders offer is that financing is available for up to 75% of the value of your property collateral. Banks often do not offer such high loan-to-value bridging loans.​

Every bridging loan can also be configured to cater to the borrower’s individual situation. For example, borrowers have the option to make interest-only payments, with the principal due at the end of the loan period. The bridging loan can also be structured so that the borrower does not have to make any payments for a period of time.

4. What type of property can be considered as collateral for a Singapore bridging loan?

Singapore private residential, commercial or mixed-use property, both freehold and leasehold, can be considered.

5. What is the interest rate of a Singapore bridging loan?

Rates start at 7% p.a. The final interest rate will depend on several factors, including the value and location of the collateral property, loan amount, speed of funding and the borrower’s “exit strategy.” That is, financing plans at the end of the bridging loan’s term.

6. What are other criteria to obtain a Singapore bridging loan?

The borrower will need to be an Accredited Investor or a corporate entity.