Benefits

Mortgage Features

money other cash

Loan amounts up to ZMW3.5 million.

time flexible tenure

Longer loan periods up to 25 years.

protect your belongings

All you need is to be a salaried employee or self employed to qualify. Property must be on title.

added value medical benefits

In the event of permanent disability, death and retrenchment, your insurance policy will cover. Terms and conditions apply.

added value high interest rates

Our Home Solution gives you access to competetive rates on your Home Loan. Along with your Home Loan, you also receive a current account and a pre-approved credit card. Our Interest rates are very competitive on the market.

money change transfer limit 01

100% mortgage financing is available subject to our Ts & Cs. The loan is now available to business owners like you to ensure that we help you meet your goal by providing you with the right options.

global worldwide access

Access this facility anytime. It provides scheduled equal monthly instalments to help you plan properly. You can rest assured knowing that Standard Chartered will help you fulfil your urgent needs.

Home Loan

Please fill in the following information for an estimation of your repayment amount. The Approximate Monthly Repayment figure for Standard Chartered's Home Loan is indicative and is not meant to be final or binding on the Bank. The Bank reserves the right to determine the final interest rate in accordance with applicable laws and amount that can be borrowed.

Amount You Want To BorrowPlease enter an amount between ZMW 125,000 and ZMW 3,000,000

      Please enter a duration between 1 year and 25 years only.

      Your Preferred Payment Method

      years
      months

      Please enter a duration between 1 year and 25 years only.

      Interest Paid Comparison
      Tenure (in Years) Total Interest Paid Outstanding Loan
      1 33,753.23 125,000
      2 64,680.31 124,225.39
      3 95,323.8 123,233.32
      4 125,601.73 121,962.75
      5 155,414.4 120,335.49
      6 184,629.10 118,251.41
      7 213,079.23 115,582.25
      8 240,549.69 112,163.79
      9 266,765.46 107,785.65
      10 291,374.32 102,178.42
      11 313,925.14 94,997.8
      12 333,840.18 85,799.70
      13 350,379.48 74,020.33
      14 362,595.38 58,934.12
      15 369,274.15 39,612.73
      6 remaining months 370,067.11 14,867.22
      Monthly payment2,661.65
      Total interest 370,067.11

      Application Eligibility

      • Salaried Employee
      • Age requirement: Minimum 21 years old
      • Available to existing Standard Chartered Clients who have a Current or Savings Account with the Bank

      Documents Required

      • Copy of NRC/ Valid Passport
      • Latest Pay slip (original stamped & signed)
      • Latest utility Bill/ Confirmaiton from employer
      • 3 months bank statement of salary account
      • 6 months statements for all active loand
      • Copy of marriage certificate (where applicable)
      • Sales Agreement / Letter of Offer
      • Copy of Title Deeds
      • If US Person, upload FATCA W-8 or W-9 BEN form as appropriate.

      Application Eligibility

      • Salaried Employee
      • Age requirement: Minimum 21 years old
      • Available to existing Standard Chartered Clients who have a Current or Savings Account with the Bank

      Documents Required

      • Copy of NRC/ Valid Passport
      • Valid Work permit/ Valid Permanent Residence Permit (Non Zambians)
      • Latest Pay slip (original stamped & signed)
      • Latest utility Bill/ Confirmaiton from employer
      • 3 months bank statement of salary account
      • 6 months statements for all active loan
      • Copy of marriage certificate (where applicable)
      • Sales Agreement / Letter of Offer
      • Copy of Title Deeds
      • If US Person, upload FATCA W-8 or W-9 BEN form as appropriate.

      It is a loan advanced to the Customer by the Bank towards the purchase of a property. The Customer provides the Bank with his / her property as a security.

      A variable interest rate is where the interest rate changes from time to time based on the prevailing economic environment.

      There is an arrangement fee that the customer is expected to pay upon acceptance of the loan. It is 2.5% of the loan amount (minimum ZMW2,000.00). Other Costs you will be expected to meet

      1. Legal Costs – negotiated fees and variable depending on property value
      2. Credit Life and Property Protection Insurance – Comprehensive insurance to safeguard the borrower during the Home Loan term
      3. Valuation fees – upon approval of application, the property will be valued and fees variable depending on property value

      Call Us

      Call our hotline for further information.

      5247 (All local networks)

      260966750500 (Priority Banking)

      Email Us

      Please send us a message and we will be in touch as soon as possible.

      Email Us

      Locate Us

      Visit the branch that is nearest to you.

      Find a Branch
      Home Loan Mortgage solutions that help you realise your dreams.

      Disclaimer

      This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/zm 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.

      Thank you for visiting www.sc.com/zm

      PROCEED