Flexible loan that can save you time and money.


Are you looking for a home loan that saves you money spent on interest?
Do you want a loan that is flexible and gives you access to funds in case of emergency?
Do you want to leverage your deposits to save on interest charges?
Are you looking for the flexibility to turn your home equity into money you can invest when an opportunity arises?
And do you want the flexibility to choose your repayments in line with your financial commitments?

At Standard Chartered, you can expect to enjoy all these and more.

Pay Off Your Loan in Half the Time at Half the Cost

With Standard Chartered MortgageOne™, your savings, current, home loan and deposits are all rolled into one account. Any deposits made into this account reduce your outstanding loan, which means the interest paid is also lower. You can expect to take years off your mortgage because every MYR you deposit pays off your loan, not your interest.

Comparison Between MortgageOne™ and a Traditional Home Loan

Example :
Loan amount: MYR250,000
Loan period : 20 years

MortgageOne™ Traditional Home Loan
1st Year 1.5% 5.75%
2nd Year 6.25% 5.75%
3rd Year 6.25% 5.75%
4th Year 6.25% 5.75%
Thereafter 5.5% 5.25%
MortgageOne™ Traditional Home Loan
Monthly Instalment MYR1,206 MYR1,755
Total Interest Payable MYR137,353 MYR161,515
Loan Tenure 16.2 years 20 years

*Based on prepayment of MYR500 per month



Amount in Malaysia Ringgit (MYR)
Prepayment Monthly 100 200 300 400 500
Monthly Instalment 1,206 1,206 1,206 1,206 1,206
Total Interest Payable 153,811 137,353 123,975 112,862 103,468
Interest Savings 7,704 24,162 37,540 48,653 58,047
Number of Years
Loan Tenure Shortened By 2.3 3.8 5 6.1 7

Member PIDM

Call Us

To apply housing loan, please call

603-7651 8587 /
603 - 7651 8585 /
603 - 7651 8586
(9am - 6pm)

For inquiry on your existing loan facility, please call

603 - 7711 8888 /
1300 888 888


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