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You Dream About the Perfect Property, and We’ll Help It Become a Reality

Buying your own property is not as difficult as you think. At Standard Chartered, our mortgage services are designed to help you own your property easily.

Preferential Fees & Charges

  • We bear Mortgagee’s Right Registration Fee and related third party fee & charges including Insurance Fee, Legal Fee, Valuation Fee and Mortgage Loan Contract Notarization Fee if any.
  • We offer the competitive loan interest rate .

Fast Approval

  • Provide fast approval in principle.
  • The final approval can be informed in 2 days the soonest. *
  • The mortgage loan will be released in the same day you meet all drawdown requirements the soonest. **

*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.

Flexible Solutions

  • We provide wide range of loan currency options such as USD, SGD, HKD and RMB etc. ***
  • You can manage your repayment with Standard Chartered Bank in multiple channels

***Foreign currency loans only apply to applicant: foreign passport holders. HMT(Hong Kong citizens, Macau citizens and Taiwanese) and Chinese Passport holders with overseas PR Permit.

Professional Advisor

  • Personal consultants will tailor the Mortgage loan solutions to fit your financial requirements.
  • You can enjoy face to face consultant service.

Mortgage Loan

Do You Know?

Mortgage Repayment Schedule

Basic Requirements & Application Flowchart

Fees and Charges

Mortgage Effective Rate

Do You Know?

For Property Under Construction

  • Developer can sell the property after getting related Pre-sale Permit. Once you decide to purchase the property, the developer will require you to sign the letter of intention and pay the reservation deposit.
  • Usually you need to pay a down payment after you sign the Pre-sales and Purchase Agreement, which takes 30-70% of the purchase price.
  • The Pre-Sales and Purchase Agreement should be registered with the Property Transaction Centre/Local Land Bureau.
  • Upon the completion acceptance, the developer can deliver the property to you and apply for the Certificate of Master Title after receiving Residential Delivery License. After the developer obtains Certificate of Master Title, you can then proceed with the issuance of your Certificate of Title Deed.
  • According to existing laws and regulations, it is not allowed to resell the property under construction before the Certificate of Title Deed is obtained.

For Resale Property

  • You must sign the Sales and Purchase Agreement/Order with the seller. A letter of intention can also be signed at this stage.
  • All Sales and Purchase Agreements must be registered with the Property Transaction Centre/Local Land Bureau.
  • Both the seller and buyer must complete title transfer procedures at the Property Transaction Centre/Local Land Bureau.

* 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.

Mortgage Repayment Schedule

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

Basic Requirements & Application Flowchart

Basic Requirements

  • For Local PRC residents(Age 21 to 65)

    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

  • For non Local residents(Age 21 to 65)

    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

  • Others, where required

    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.

Application Flowchart

  • Application Flowchart

    Click Here to show more details

  • For any queries on Mortgage Loan Contract or further assistance, please call our customer service hotline 956083.

Fees and Charges

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
For detailed information, please call 956083.

Mortgage Effective Rate

Standard Chartered Bank (China) Individual Foreign Currency Mortgage Loan Benchmark Interest Rate (p.a. %) (Updated as of 30th Nov 2023)

HKD
USD
SGD
10.10% 10.95% 7.35%

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)

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

*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.

Text, Person, Pen
Mortgage Instalment Calculator

Repayment Options

  1. Straight-Line Repayment
    Subject to interest rate fluctuations, you repay through equal instalments for easy budgeting.
  2. Balance-Reducing Method
    Your principal is divided equally over the repayment period and interest is calculated on the outstanding principal. As your repayments continue and your outstanding principal decreases, your monthly instalment decreases.