What was the commercial loan rate in June 2025?

As of early 2026, the lowest commercial property loan rates in Singapore include fixed options starting at 2.30% p.a. for the first 2 years (minimum loan $800,000), with subsequent years pegged to 3-month SORA plus spreads like 1.78% to 2.50%.

Other competitive packages offer 2.35% fixed for 2 years (minimum $500,000-$1,000,000), transitioning to floating rates such as 3M SORA + 0.70% initially, rising to +1.78% or higher thereafter, available for operating or investment-holding companies under conditions.

Rates have trended lower amid falling domestic interest rates (down nearly 180 basis points by late 2025), benefiting the office sector resurgence, but specifics depend on loan size, property type, borrower profile, and bank promotions which can end quickly.

For June 2025 data, no exact archived rates are available here, but trends show fixed packages around 2.3%-2.6% were prominent; consult banks or brokers for personalized quotes, and check EdgeProp Singapore for tools and market updates.