The Demand for High Loan Amounts

Whether you are gearing up for a major purchase, venturing into an investment opportunity, or streamlining your debts, access to substantial funds is often the linchpin for achieving your financial goals. Consider the scenario of acquiring a new property in Singapore’s competitive real estate market—securing a high loan amount not only facilitates the purchase but also provides the necessary leverage to explore prime locations and capitalise on emerging trends. A well-structured business loan can be the catalyst for substantial returns, creating a ripple effect of financial success.

The Need for Speed in Loan Approval

Emergencies, unforeseen expenses, or time-sensitive investment opportunities demand quick access to funds. Traditional lenders, with their prolonged approval processes, may not align with the urgency of such situations. Greystone Singapore, operating as a specialised brokerage firm, excels in expediting access to funds through its efficient approval process. Functioning as a reliable partner, Greystone Singapore connects business and property owners with urgent financing solutions from Non-Bank Financing Institutions.

In times of urgency, the speed of loan approval can be the decisive factor. Greystone Singapore understands the importance of swift financial solutions and has tailored its approval process to meet these needs. By streamlining procedures and leveraging its network with Non-Bank Financing Institutions, Greystone Singapore ensures that clients can access funds promptly, enabling them to respond effectively to time-sensitive opportunities or emergencies.

Easy Approval Loans with Greystone Singapore

Simplifying the loan application process is crucial for accessibility. At Greystone Singapore, we offer easy approval loans with a user-friendly application process that guides applicants through each step, ensuring a comprehensive understanding of the terms and conditions. Going the extra mile, we provide a free consulting call, where our experts assist you in selecting the option that best suits your specific needs.

The user-friendly application process at Greystone Singapore is designed to empower clients with transparency and understanding. By breaking down complex financial jargon and providing step-by-step guidance, we aim to demystify the loan application journey. Our free consulting call adds an extra layer of personalised support, ensuring that clients are not only aware of the available options but also equipped to make informed decisions aligned with their financial goals.

Benefits of Choosing Greystone Singapore for High Loan Amounts

Opting for Greystone Singapore as your financial intermediary for high loan amounts unlocks a myriad of advantages. As a specialised brokerage firm, we excel in facilitating connections between our clients and Non-Bank Financing Institutions, serving as your strategic partner in securing substantial funds. Enjoy the perks of competitive interest rates, flexible repayment terms, and dedicated customer support, ensuring personalised guidance at every step.

Beyond just securing funds, Greystone Singapore positions ourself as a holistic financial partner. Competitive interest rates and flexible repayment terms are not just transactional aspects but strategic elements that contribute to the overall success of our clients. Our dedicated customer support ensures that clients receive ongoing guidance, adapting to changing financial landscapes and ensuring a continued alignment with their objectives.

Conclusion

When seeking substantial loan amounts or fast and easy loan approval, Greystone Singapore emerges as your ideal partner. Our expertise lies in seamlessly securing urgent financing by facilitating connections between businesses, property owners, and Non-Bank Financing Institutions.

Visit our website https://greystone.com.sg/ to explore our diverse and efficient approval loan options and get in touch with our dedicated team. Your financial success is within reach, just a few clicks away, and Greystone Singapore is committed to steering you toward prosperity through strategic financial partnerships.

Situation 1	BANK’S REPOSSESSION
Deal Type	Refinancing with Fresh Cash-Out
Property	3 Bedroom Condo along Meyer Road
Property Value	$3.2M
New Loan Amount	$2.4M (with fresh cash-out of $500K)
LTV	75%
Synopsis	Customer, age 51, a senior marketing director in the food logistics industry, was being retrenched in August last year without any prior notice. With his wife being a full-time homemaker, he found himself soon having difficulties in servicing his mortgage repayments, resulting in the bank taking steps to repossess the property for a mortgagee sale within a short span of 6 months. Despite only having a $1.4M outstanding mortgage with $600K of CPF usage, the bank was unable to grant him additional cash-out facilities to tide him through this challenging period, as he couldn’t pass the 55% TDSR threshold in the absence of regular reported income.
Solution (1)	Luckily, the customer managed to find us in time and we eventually saved his house from being repossessed. Arranged our private property lender to grant a $2.4M mortgage loan, out of which $1.4M to redeem his existing mortgage, $600K to refund to CPF with remaining $400K fresh term loan for his personal use, which includes servicing of the monthly instalments with the new private lender.
Solution (2)	The customer managed to find a new employment sometime in March this year. We had since successfully helped the customer to refinance the $2.4M from the private lender sometime in September this year.

Situation 3	INHERITANCE DISPUTES
Deal Type	To finance purchase of sibling’s share in the property
Property	Sem-Detached house along Jalan Seaview
Property Value	$$7.5M
New Loan Amount	$2.8M
LTV	37.5%
Synopsis	Customer, age 62, had jointly inherited the above fully-paid property together with his sister when their father passed away sometime in June last year. Both siblings were at constant disagreements regarding the sale of the property. Customer had always wanted to keep the property for future capital appreciation and his sister was in favour of selling the property so that she could use the sales proceeds to fund her new condo purchase.
Solution (1)	Unable to reach a consensus, the Customer then wanted to buy over his sister 50% equity stakes in the property (valued at $3.75M). Customer was unable get the bank to finance his part purchase exercise as he cannot meet the TDSR requirement and loan tenure. We then managed to get our private lender to finance his purchase of his sister’s share with a $2.8M loan (with a 75% LTV against the $3.75M purchase price)
Solution (2)	Separate financing had also been arranged for the remaining $950K cash difference (being the balance of the remaining 25% purchase price), which was secured by pledging part of Customer’s 50% stakes in the property as well.

Situation 2	BANKRUPTCY LAWSUIT
Deal Type	Refinancing with Fresh Cash-Out
Property Type	Detached House in Newton Area
Property Value	$14M
New Loan Amount	$10M
LTV	71.4%
Synopsis	Customer, age 72, was facing one of the biggest challenges as a veteran businessman, when one of his suppliers had filed a bankruptcy application against him (being the guarantor for his group of F&B companies). After successfully obtained the court judgement for a claim-sum of $1.9M, the customer was eventually given 2-month timeline to settle the payment, failing which he would be in imminent danger of being declared a bankrupt, thus crumbling his business empire which he had built for decades. Despite only having an outstanding mortgage of $7.5M (with a 53.5% LTV against its $14M valuation), no bank is willing to explore the fresh financing in view of his age and more importantly, the pending bankruptcy lawsuit.
Solution	Secured a $10M financing (@ 71.4% LTV from a non-bank lender, out of which $8.5M was to redeem his existing bank loan with another $1.9M to be earmarked to be paid to the supplier on the agreed deadline. Remaining $600K was disbursed to the Borrower for his personal use. With the payment made to the supplier and eventual complete withdrawal of the bankruptcy application, we have thus successfully helped our customer to avert the disaster of being made a bankrupt at this age and he can now refocus on rebuilding and restructuring his other business portfolio

Challenge 6	MULTI-PROPERTIES OWNER
Deal Type	Refinancing (with fresh cash-out)
Property	Good Class Bungalow (“GCB”) in Holland vicinity
Property Value	$70M
Existing Mortgage	$28M
New Loan Amount	$50M (with fresh $22M cash-out)
LTV	71.4%
Synopsis	At the age of 60, our borrower stood as a seasoned property investor with a remarkable portfolio of prestigious GCBs and luxurious Sentosa Bungalows. His journey was a testament to years of astute investment decisions. However, even a seasoned investor can face hurdles. Despite his impressive corporate and professional profile, the ever-evolving TDSR regulations had cast a shadow over his aspirations for further financial growth. His own bank had to adhere to these stringent regulations, leaving him unable to access additional facilities.
Solution	With determination and creativity, we set out to secure a $50 million mortgage loan from a non-bank lender. What made this solution stand out was the 18-month interest servicing repayment plan. Now equipped with fresh capital, our borrower could breathe new life into his retail business, expanding it like never before with a $22 million cash-out facility. But our assistance didn’t stop there. We successfully guided the borrower in refinancing the mortgage loan back to a local private bank just nine months after the initial disbursement. This win is a narrative of resilience and adaptability.

Challenge 3	POOR CREDIT GRADING
Deal Type	Refinancing with Fresh Cash-Out
Property	Bungalow in Katong
Property Value	$9M
Existing Loan	$5M
New Loan Amount	$7.5M (with fresh $2.5M Cash-Out)
LTV	83.3%
Synopsis	At 62 years old, our customer faced a roadblock. His aspirations for additional mortgage financing hit a snag as his bank hesitated due to both his age and an unfavorable “HH” credit bureau rating. This rating was a result of overdue credit card facilities amounting to a hefty $1.2 million.
Solution	With a determined spirit, we sought out an alternative path. Through our network of non-bank lenders, we secured a remarkable $7.5 million term loan facility. It was not just a financial transaction; it was a lifeline. The first step was to use $2.5 million of this fresh term loan to clear off the burdensome $1.2 million in overdue credit card facilities. It was a moment of relief, a chance to leave the past behind. But that was not all. The remaining funds were now at our customer’s disposal for personal investments, a fresh start to chase new dreams. This story encapsulates our commitment to finding solutions when doors seem closed. .