Property/Land Sales Proceed Advancement Loan is an advancement of your sales proceed or loan disbursement, which as it will only be completed/disbursed much later - but as you need cashflow immediately, can be considered when you have an exercised OTP from a buyer or say during an en-bloc sale, or a letter of offer for the refinancing/new loan of the property/land, from another financial institute. For the latter, please note some banks may specifically state in their agreement that is not allowed.