Standard Chartered Home Loans

Standard Chartered Home Loan for Purchase of Private Property

Standard Chartered Home Loan for Refinancing of Private Property

Standard Chartered Home Loan for Purchase of HDB Flat

Standard Chartered Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $100,000
Year 1	3M SORA + 0.85%
Year 2	3M SORA + 0.85%
Year 3	3M SORA + 0.85%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	2.50% (Fixed)
Year 2	2.50% (Fixed)
Year 3	2.50% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	1M SORA + 0.65%
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $300,000
Year 1	3M SORA + 0.50%
Year 2	3M SORA + 0.50%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	2.15% (Fixed)
Year 2	2.15% (Fixed)
Year 3	2.15% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $500,000
Year 1	3M SORA + 0.50%
Year 2	3M SORA + 0.50%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1.60% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.15% (Fixed)
Year 2	2.15% (Fixed)
Year 3	2.15% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $700,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.60% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1.60% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $1,000,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.40%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	1.68% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.45% (Fixed)
Year 2	1.45% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.40% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold after 12 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $1,200,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.40%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	1.68% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.45% (Fixed)
Year 2	1.45% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.40% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold after 12 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%

Home Loan for Refinancing of Private Property

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1	3M SORA + 0.85%
Year 2	3M SORA + 0.85%
Year 3	3M SORA + 0.85%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	2.50% (Fixed)
Year 2	2.50% (Fixed)
Year 3	2.50% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	1M SORA + 0.65%
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $300,000
Year 1	3M SORA + 0.50%
Year 2	3M SORA + 0.50%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	2.15% (Fixed)
Year 2	2.15% (Fixed)
Year 3	2.15% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $500,000
Year 1	3M SORA + 0.50%
Year 2	3M SORA + 0.50%
Year 3	3M SORA + 0.55%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	1M SORA + 0.65%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1.60% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.15% (Fixed)
Year 2	2.15% (Fixed)
Year 3	2.15% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $700,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.45%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.60% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months Waiver of lock-in penalty if property is sold after 24 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.60% (Fixed)
Year 2	1.60% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.00% (Fixed)
Year 2	2.00% (Fixed)
Year 3	2.00% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $1,000,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.40%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	1.68% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.45% (Fixed)
Year 2	1.45% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.40% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold after 12 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $1,200,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.40%
Thereafter	3M SORA + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold Up to 30% partial payment The rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	1.68% (Fixed)
Thereafter	1M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.45% (Fixed)
Year 2	1.45% (Fixed)
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.40% (Fixed)
Year 2	1M SORA + 0.40%
Year 3	1M SORA + 0.45%
Thereafter	1M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Waiver of lock-in penalty if property is sold after 12 months Up to 50% partial prepayment after 12 months The rate will be pegged to 1M SORA, which is currently at 1.2866%

Home Loan for Refinancing of HDB Flat