My HomeOne-i

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Proceed

Own your ideal home with an innovative Shariah-compliant home financing plan through the Standard Chartered Saadiq My HomeOne-i

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Greater savings on your home financing

Saadiq My HomeOne-i is a home financing facility that comes with an easy-to-use operating Current Account, designated to save cost on your home financing.

Diminishing Musyarakah is a contract between you and Standard Chartered Saadiq to co-own an asset. As you pay your instalments, the Bank’s share of ownership diminishes until you own 100% of the asset at the end of the financing term.

Shariah-compliant

Saadiq My HomeOne-i is based on the Islamic principle of Musharakah Mutanaqisah (Diminishing Partnership).
Additional information
This is applicable for amounts exceeding the outstanding balance of the financing at a Profit Sharing Ratio of 1:99 (customer:bank).

Attractive returns

Gain the potential to earn Tawarruq profit whenever you place any additional surplus cash into your Saadiq My HomeOne-i account.
Additional information
Financial flexibility

Easily place and withdraw your surplus cash – no notice or additional documents required.
No hidden fees

Place and withdraw your surplus cash without hidden charges.