My HomeOne-i

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

Effective 2 January 2015, all new individual financing applications will be quoted against Base Rate (BR)

Greater savings on your home financing

Saadiq My HomeOne-i is a home financing facility that comes with an easy-to-use operating profit sharing investment account, designed 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 Diminishing Musyarakah.
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 Mudharabah dividend 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.

Save time and cost for your own dream home

By placing RM35,000 average daily cash amount every month, standard Chartered Saadiq My HomeOne-i is able to reduce your financing tenure from 30 years to 26.17 years, thus reducing your total payment for home financing by RM77,047.

	Traditional home financing	Saadiq My HomeOne-i
Monthly instalment payment	RM1,778	RM1,778
Surplus cash placed per month	–	RM35,000
Monthly instalment + average daily cash amount	RM1,778	RM35,000
Financing tenure shortened to	0 years	26.17 years
Total rental payable throughout financing tenure	RM289,922	RM205,765
Rental savings	RM0	RM77,047

Standard Chartered Saadiq My HomeOne-i fees and charges

Charges	Details
Set-up fee	One time set-up fee of RM200 (for financing above RM100,000) is chargeable during account opening aside from monthly maintenance charge of RM10 on your Saadiq My HomeOne-i account.

Standard Terms & Conditions for Saadiq Home Financing Facility under Musyarakah
Saadiq My HomeOne-i account is not insured by Perbadanan Insurans Deposit Malaysia (PIDM).
PDS Islamic Residential property Financing

Disclaimer

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

Greater savings on your home financing

Shariah-compliant

Attractive returns

Financial flexibility

No hidden fees

Terms and conditions