Dr Loan | Your Trusted Loan Partner
Customized Financial Solutions Built for Your Unique Profile
One of the most common challenges in mortgage or corporate financing is that standard products often don’t fit non-standard income structures. Banks are designed to lend to those with predictable cash flows, stable employment, and clear records. But life—and business—is rarely so simple.
At Dr. Loan, we specialize in loan structuring, helping individuals and businesses build a financial profile that’s attractive to lenders, even when their situations are unconventional.
When Loan Structuring Is Necessary
- You are self-employed with variable monthly income
- You own multiple businesses or receive director’s fees
- You have multiple existing property loans
- Your CPF usage or property ownership structure is complex
- You're planning to decouple, restructure ownership, or engage in trust-buying
- Your income is earned outside Singapore or in foreign currency
- You have been rejected by multiple banks
Our Strategic Approach
Our loan planning and structuring begins with a detailed financial diagnostic, including:
- Reviewing your income sources (salary, business income, dividends, rentals)
- Evaluating CPF balances, withdrawals, and liabilities
- Assessing property ownership and outstanding mortgages
- Mapping long-term financial goals (e.g., investment properties, retirement planning)
- Stress-testing your TDSR (Total Debt Servicing Ratio) position
With this foundation, we help craft a personalized roadmap that may include:
- Selecting the optimal borrower or co-borrower
- Adjusting the loan tenure or quantum for approval
- Using joint-income or guarantor structures
- Restructuring your corporate shareholding or director roles
- Advise on clearing specific unnecessary debts to strengthen income position