Mortgage Loan
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Wealth & Retail Banking
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*The above only happen when all the required information and documents have been successfully submitted.
**The above only happen when customer has signed the mortgage loan contract with the bank and all loan disbursement conditions are fulfilled.
***Foreign currency loans only apply to applicant: foreign passport holders. HMT(Hong Kong citizens, Macau citizens and Taiwanese).
For Property Under Construction
For Resale Property
* The procedure above is for reference only. The detailed procedure and requirements may differ from cities and shall refer to latest local laws and regulations.
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Mortgage loan: Loan Tenor up to 30 years
Example: suppose the loan amount is 100,000.00, then the monthly instalment will be:
|
Annual interest rate
|
5 years
|
10 years
|
15 years
|
20 years
|
25 years
|
30 years
|
|---|---|---|---|---|---|---|
| 3.25% | 1,808.00 | 977.19 | 702.67 | 567.20 | 487.32 | 435.21 |
| 3.5% | 1,819.17 | 988.86 | 714.88 | 579.96 | 500.62 | 449.04 |
| 3.75% | 1,830.39 | 1,000.61 | 727.22 | 592.89 | 514.13 | 463.12 |
| 4.00% | 1,841.65 | 1,012.45 | 739.69 | 605.88 | 527.84 | 477.42 |
| 4.25% | 1,852.90 | 1,024.38 | 752.28 | 619.23 | 541.74 | 491.94 |
| 4.50% | 1,864.30 | 1,036.38 | 764.99 | 632.65 | 555.83 | 506.69 |
| 4.75% | 1,875.69 | 1,048.48 | 777.83 | 646.22 | 570.12 | 521.65 |
| 5.00% | 1,887.12 | 1,060.66 | 790.79 | 659.96 | 584.59 | 536.82 |
| 5.25% | 1,898.60 | 1,072.92 | 803.88 | 673.84 | 599.25 | 552.20 |
| 5.50% | 1,910.12 | 1,085.26 | 817.08 | 687.89 | 614.09 | 567.79 |
| 5.75% | 1,921.68 | 1,097.69 | 830.41 | 702.08 | 629.11 | 583.57 |
| 6.00% | 1,933.28 | 1,110.21 | 843.86 | 716.43 | 644.30 | 599.55 |
| 6.25% | 1,944.93 | 1,122.80 | 857.42 | 730.93 | 659.67 | 615.72 |
| 6.50% | 1,956.61 | 1,135.48 | 871.11 | 745.57 | 675.21 | 632.07 |
| 6.75% | 1,968.35 | 1,148.24 | 884.91 | 760.36 | 690.91 | 648.60 |
| 7.00% | 1,980.12 | 1,161.08 | 898.83 | 775.30 | 706.78 | 665.30 |
| 7.25% | 1,991.94 | 1,174.01 | 912.86 | 790.38 | 722.81 | 682.18 |
| 7.50% | 2,003.79 | 1,187.02 | 927.01 | 805.59 | 738.99 | 699.21 |
| 7.75% | 2,015.70 | 1,200.11 | 941.28 | 820.95 | 755.33 | 716.41 |
Remarks: reference only
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1, Identification documents
□ Residenta identity card
2, Residents Booklet
3, Marriage Certificate
4, Property trading proof, such as Property Sales & Purchase Agreement, Proof of Downpayment ,Title Deed
5, Proof of income
□ For salaried individuals: e.g.tax returns for the past 3 months, employment letter or salary slips for the past 3 months, employment contract or Social insurance payment certificate (provident fund payment proof from social pension insurance or provident fund center)
□For self-employed individuals: e.g. major account statements for the past 6 months and/or your tax returns for the past year, audited financial statements of your company for the past year
6, Mortgage Loan Application Form
7, Other documents that bank may request from time to time
1, Identification documents
□ Hong Kong / Macau: Home Visit Permit
□ Tai Wan: Mainland Travel Permit for Taiwan Residents Permit
□ Foreigner: Passport
□ Chinese passport holders with overseas PR: Chinaese passport and overseas permanent residence permit
2, Proof of your current residential address
3, Property trading proof, such as Property Sales & Purchase Agreement, Proof of Downpayment ,Title Deed
4, Proof of income
□ For salaried individuals: e.g.tax returns for the past 3 months, employment letter or salary slips for the past 3 months, employment contract or Social insurance payment certificate (provident fund payment proof from social pension insurance or provident fund center)
□For self-employed individuals: e.g. major account statements for the past 6 months and/or your tax returns for the past year, audited financial statements of your company for the past year
5, Mortgage Loan Application Form
6, Other documents that bank may request from time to time
To make your application, simply call our Mortgage Customer Service Hotline 956083, calling from overseas:(86-755)956083/(86-755)33382730 where our professional Customer Service Representatives will be pleased to help you.
Please note: The above documents required may change from time to time in accordance with the changes of laws and regulations or SCB China’s own requirements without notice from SCB, and could differ among different cities/regions based on local regulatory requirements or SCB China’s own requirements. You are advised to contact an SCB branch to confirm the detail of the necessary documents and procedures required by local requirements before applying for a home loan.
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Item
|
Department
|
|---|---|
| Mortgagee’s Right Registration Fee | Administrative Department of Property Registration (Standard Chartered Bank bears) |
| Insurance Fee | Insurance Company (Standard Chartered Bank bears) |
| Legal Fee | Law Firm (Standard Chartered Bank bears) |
| Valuation Fee | Valuation Company (Standard Chartered Bank bears) |
| Mortgage Loan Contract Notarization Fee | Notarization Center (Standard Chartered Bank bears) |
| Mortgage Loan Contract Stamp Duty | Tax Bureau |
Standard Chartered Bank (China) Individual Foreign Currency Mortgage Loan Benchmark Interest Rate (p.a. %) (Updated as of 24th Jan 2025)
|
HKD
|
USD
|
SGD
|
|---|---|---|
| 9.10% | 9.95% | 6.35% |
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 23rd Dec 2022)
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 30th Jun 2023)
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 30th Nov 2023）
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 18th Oct 2024）
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 20th Dec 2024）
Foreign Currency Mortgage Loan Benchmark Interest Rate Adjustment Notice (Adjustment takes effect from 24th Jan 2025)
RMB PBOC Commercial Base Lending Rate (p.a. %) (applicable to the Mortgage Contract signed with RMB PBOC Commercial Base Lending Rate.)
|
> 5 Years
|
1-5 Years (inclusive)
|
<= 1 Year
|
|---|---|---|
| 4.90% | 4.75% | 4.35% |
RMB Loan Prime Rate（p.a. %）(applicable to the Mortgage Contract signed with RMB Loan Prime Rate.)
|
Subject to the announcement- LPR 5Y by National InterBank Funding Center
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|---|
*Above Foreign Currency Mortgage Loan Benchmark Interest Rate is only applicable for loans applied in 2013 and after. Foreign Currency Mortgage Loan is available to Hong Kong, Macau, Taiwan residents, PRC citizens with green cards of foreign countries and foreigners only.
*The Bank has the discretion to change and update the above Interest rate from time to time according to the regulatory requirements and market changes.
*Interest rate (per month)= Interest rate (per annum)/12. The Bank adopts simple interest for annualized interest rate calculation.
*The English version is for reference only and if there is any discrepancy between the Chinese version and the English version, the Chinese version shall prevail.
*For any questions, please call our customer service hotline 956083.
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