Standard Chartered’s Loan Against Property provides you with a fast financing solution for their medium to long term lending needs, giving you easy access to working capital in building your business
In some cases, we can approve your application in as quickly as 5 working days
85% loans
Through our SME Credit Guarantee Fund, we offer up to 85% loans for companies with insufficient collateral
Balance transfers
We welcome balance transfers or top-ups from SMEs currently holding property loans with other banks
Low interest rates
We offer extremely low interest rates for the first 12 instalments
Details
Fast Access To Working Capital
SME stores or shops can use their self-owned properties as collateral to borrow working capital. The application review process can be completed in as quickly as 5 business days.
Note: Business hours are from 9:00 a.m. to 3:30 p.m. Applications submitted after business hours will be processed as applications delivered on the next day. Completion of the application review does not include any notary and disbursement processes required.
85% Loans
For applicants with insufficient collateral, the Small & Medium Enterprise Credit Guarantee Fund sponsored by local government can be introduced as alternative collateral. In some scenarios, loans can be up to 85% of the collateral appraisal value.
Note: Applications qualified under the terms of The Central Bank of the Republic of China's Regulation on Financial Institutions' Businesses of Loan against Land and Specific Area Housing Loan will be processed in accordance with the loan limits outlined by the regulation.
Balance Transfers Are Welcome
We welcome balance transfers or top-ups from corporate customers who currently hold property loans with other financial institutions in order to free up working capital and build their business.
Note: Product details shall be in line with the bank's latest regulations. Standard Chartered reserves the right to determine the final loan amount, interest rate applied and loan approval.
Interest Savings With Competitive Interest Rates
Various benefits are available depending on the loan product you choose, e.g lower interest rates for the first 12 instalments, interest rates for the 13th instalment and beyond will follow the bank's flexible increases over the time deposit interest rate index (note 4).
Terms and Conditions
Business hours are from 9:00 a.m. to 3:30 p.m. Applications submitted after business hours will be processed as applications delivered on the next day
This program is limited to applicants of: domestic companies with more than 3 consecutive years of operation, or a responsible person, responsible person's spouse, shareholder, director or supervisor of the aforementioned companies
The bank's index rate will be adjusted on 20th February, 20th May, 20th August and 20th November. For more information, please refer to the explanation available on the bank's website
Standard Chartered Bank (Taiwan) Limited reserves the right to terminate or modify this program as well as the product contents and agreement at any time
Service Hotline For fixed-line telephone, please call: 4051-0088 For mobile phone, please call: (02)4051-0088
Interest rates for this product depend on the bank's index rate ("i"). Therefore, the actual interest rate for the loan will vary with "i" accordingly
The time limit for early redemption on this program is 2 years. A penalty of 1% of the early redemption amount will be imposed for the 1st year after disbursement. A penalty of 0.5% of the early redemption amount will be imposed for redemption within 2 years after disbursement.
Standard Chartered Bank (Taiwan) Limited has final discretion on approval over the percentage of loan offered, interest rates applied, loan tenure and loan application. Details of the loan agreement shall follow Loan Against Property application document and agreement of the SME, Standard Chartered Bank (Taiwan) Limited
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Disclaimer
Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.
This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/tw/ and entering a website operated by other parties:
Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.
The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.
This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/tw/ and entering a website operated by other parties:
Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.
The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.
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