Borrow up to 90% of the value of your property.
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At Standard Chartered Bank we understand that owning a home means comfort, security and a sense of belonging for you and your family. With our Home Loan solution, we can make this happen. Here's how

  • Borrow up to 90% of the value of your property*
  • Our financing solutions are flexible to cater for a variety of needs ranging from equity release, purchase, renovation to refinancing

Fees and Other Charges

  • Interest rate: This is the finance charge for borrowing money. It is a variable rate that is usually adjustable basing on the market conditions. We currently have the lowest interest rate on the market today!
  • Arrangement fees: This is the cost of processing the loan. Standard Chartered only charges the fee upon approval and disbursement of your mortgage.
  • Valuation fee: This is usually a percentage of the appraised value of the property. We have partnered with reputable valuers and pre- negotiated a preferential fee for our customers.
  • Legal/Conveyance fees: This is usually a percentage of the loan amount. We have a panel of reputable legal firm that assist the bank with this process.
  • Stamp duty: This is a government tax on all property transfers and mortgage registrations and is a percentage of the property value according to the government valuer appraisal report.
  • Fire and perils insurance: This is paid directly to the insurance company and covers damages that may occur to the property as a result of fire, floods etc. The bank maintains a panel of insurance companies with whom it has pre- negotiated preferential rates.

Note: The actual breakdown of all the charges are clearly stipulated in the offer letter.


    • Both Citizens and Non Citizens*
    • Minimum age 21
    • Both Salaried and Self Employed customers meeting all the specified requirements
    • Professionals and consultants who earn a regular monthly income


  •     Documents Required
    • Duly completed and signed home loan application form with the following documentation attached;

    • Personal details
      • Work ID/Valid Identification such as passport
      • Financial Card
      • Tin number
      • 3 passport size photos
      • Proof of Nationality e.g. passport/voters card
      • Proof of residence e.g. Utility bill, Tenancy agreement
      • For Equity release and refinance mortgages involving matrimonial homes; provide spousal consent and marriage certificate. For the spouse in question, provide a valid identification and a passport size photo. Other requirements on matrimonial homes are set out in the offer letter.
      • If single provide a statutory declaration to that effect.
    • Income details
      • If employed;
        • 3 Months pay slips
        • 6 Months back account statement(s)
        • Salary advance details if any
        • Loan statements where applicable
      • If self employed;
        • 12 Months bank account statements. (For all bank accounts).
        • 2 year audited books of accounts where applicable.
        • Provide business contracts where applicable.
      • Additional income;
        • Rental income: Should be evidenced on a bank account, provide certificate of title and tenancy agreements.
        • Commission: Should be regular and evidenced on a bank account for the last 6 months.
        • Allowances: Should be regular and evidenced on a bank account for the last 6 months.
    • Employment / Business details
      • If employed;
        • Letter of undertaking from employer
        • Copy of employment contract
        • Copy of appointment letter
      • If self employed;
        • Proof of existence e.g. certificate of incorporation / registration
        • Proof of ownership e.g. Company form stating shareholding
        • Memorandum and Articles of association for a limited liability company
    • Collateral details
      • Copy of certificate of title
      • Photos of the property (Internal and External)
      • Sale agreement/Offer letter (For purchases)
      • Approved building plans

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Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


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.