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Prequalified Home Loan and Loan Against Property Offers: Terms and Conditions

  1. Definitions
    1. Bank: Standard Chartered Bank in India.
    2. Offer: Pre-qualified home loan and loan against property to eligible customers with minimal documents on transfer of existing home loans and loan against property from other banks and/or financial institutions approved by the Bank.
    3. Home Loan and Loan Against Property Rate: Means the commercial rate of interest communicated by the Bank to eligible customers in its Offer communications. The Home Loan and Loan Against Property Rate is subject to change from time to time.
    4. Maximum Eligible Loan amount: Means the maximum amount upto which a home loan and loan against property may be sanctioned by the Bank under this Offer.
    5. Offer Period: The Offer is valid till 30th September 2020.
  2. Offer Details
    1. Under the Offer, eligible customers can avail home loan and loan against property only upto the Maximum Eligible Loan amount at the Home Loan and Loan Against Property Rate.
    2. This Offer is only applicable for transfer of home loans and loan against property from other banks and/or financial institutions to the Bank.
    3. The Offer is applicable only for home loans secured against residential property and Loan against Property secured against residential and/or Commercial properties in Ahmedabad, Bengaluru, Baroda, Bhopal, Chandigarh, Chennai, Cochin/Ernakulam, Coimbatore, Delhi and NCR, Hyderabad, Indore, Jaipur, Kolkata Mumbai/Thane, Nagpur, Pune, Rajkot and Surat.
    4. All borrowers and co-borrowers of the existing home loan and/or loan against property structure need to be part of the home loan and loan against property under the Offer.
    5. The prevailing terms and conditions shall govern the home loan and Loan Against Property and the sanction of the home loan and Loan Against Property shall be at the sole discretion of the Bank.
    6. Statutory charges including without limitation, stamp duty, registration charges, memorandum of deposit charges, franking charges, advocate fees, if applicable are to be borne by the customer.
    7. The Bank shall determine the eligibility of the customers for this Offer at its sole discretion.
  3. Communication of the Offer
    1. The Offer may be communicated through – SMS and/or Email on the registered mobile number and email address of eligible customers, at the discretion of the Bank.
    2. Customers receiving the Offer communication through SMS/Email, must register by:
      1. Sending a response using the short code mentioned in offer SMS to 57575 from their registered mobile number.
  4. General Terms and Conditions
    1. The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the Offer, including eligibility. The Bank’s determination of all matters relating to this Offer shall be final and conclusive and no correspondence will be entertained.
    2. Participation in this Offer is entirely voluntary, and it is agreed and understood that participation shall be deemed to have been made on a voluntary basis.
    3. The Offer is non-transferable and cannot be replaced for cash.
    4. All disputes under this offer are subject to the exclusive jurisdiction of the competent courts/tribunals of Mumbai.
    5. In the event of any inconsistency between these Offer T&Cs and any brochures, marketing or promotional materials relating to the Offer, these Offer T&Cs shall prevail to the extent of such inconsistency.