The new flat’s deposit is due before the old one’s sale completes. That timing gap is the entire reason a bridging loan exists, a short, deliberate loan that closes it. EZ Pte Ltd, in Chinatown since 2004, licensed by the Ministry of Law. Check our name on their registry first.
A short-term personal loan that covers the timing gap between two property transactions, repaid once your current property sale completes, or on a fixed schedule if you prefer certainty. Interest capped by law at 4% a month, same as any loan we make.
The family whose new HDB or condo deposit is due before the sale proceeds from their current home clear. Anyone caught in the ordinary, frustrating timing mismatch of Singapore property moves, where two transactions rarely land on the same day.
Interest capped at 4% a month under Ministry of Law regulations, on the balance owed. One admin fee up to 10%, deducted upfront. Total interest and fees can never exceed the loan. Because bridging needs are usually short, the total cost is often smaller than the monthly rate suggests, and we will show you the exact figure before you sign, in English or Chinese.
Minutes to know your figure.
Tell us both dates, the sale and the purchase, and we structure the loan around the actual gap.
Signed in person, explained in English or Chinese.
Full amount, minus only the one admin fee the law allows.
Typically a few weeks to a few months, matched to your actual sale timeline. Tell us the honest estimate and we plan around it.
Tell us before the repayment date. We would rather adjust the plan with you than let a payment lapse.
Up to $3,000 if you earn under $20,000 a year, up to six times your monthly income above that.
Come in, ask your questions in English or Chinese, and decide in your own time.
