With cash on hand and have regular savings

Maximise your interest savings

• Have the interest earned from your deposits offset your mortgage expense by reducing the Mortgage Loan outstanding principal

First-time home buyer or with limited budget (cannot afford a 30% down payment)

Up to 90% Mortgage Plan

• Borrow up to 90% of the property value, making a wider range of properties affordable

Can afford to manage fluctuations in the repayment amount

HIBOR Mortgage Plan

Interest rate that stays on top of the market

• Save interest by enjoying a low interest rate when the HIBOR market rate is low

Prefer a more stable repayment plan

Prime-based Mortgage

More control over your interest expenses

• Enjoy a more stable interest rate

Have an existing mortgage with Standard Chartered or other banks

Refinancing

Adjusting to your changing needs

• Lower your payments, pay off your loan faster, consolidate your debts or free up funds

Residential property owners planning for retirement and stable cash flow

Reverse Mortgage Programme

Regular stream of monthly payouts

• Remain as the owner and live in the property for the rest of your life while no repayment during lifetime