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	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $500,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.48%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.53%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
Minimum mortgage of $1,500,000
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37% 30% partial redemption allow with no penalty

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $400,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $500,000
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.53%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.48%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Minimum mortgage of $600,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy capped at $350
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval capped at $350
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy capped at $500 Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold Valuation subsidy capped at $500
Minimum mortgage of $1,500,000
Year 1	Board 2.25%
Year 2	Board 2.25%
Year 3	Board 2.25%
Thereafter	Board 2.25%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37% 30% partial redemption allow with no penalty Interest Offset Ratio: 67% Interest Offset Limit: 100%
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37% 30% partial redemption allow with no penalty

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $500,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.48%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.53%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $400,000
Year 1	Board 2.30%
Year 2	Board 2.30%
Year 3	Board 2.30%
Thereafter	Board 2.30%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Minimum mortgage of $500,000
Year 1	Board 2.20%
Year 2	Board 2.20%
Year 3	Board 2.20%
Thereafter	Board 2.20%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.53%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	3M SIBOR + 0.53%
Year 2	3M SIBOR + 0.53%
Year 3	3M SIBOR + 0.48%
Thereafter	3M SIBOR + 0.48%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Minimum mortgage of $600,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy capped at $350
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy subject to approval capped at $350
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.58%
Year 2	3M SIBOR + 0.58%
Year 3	3M SIBOR + 0.58%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Valuation subsidy capped at $500 Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold
Year 1	1.68% (Fixed)
Year 2	1.68% (Fixed)
Year 3	3M SIBOR + 0.60%
Thereafter	3M SIBOR + 0.60%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Free switching to another loan package within the bank after 24 months or waiver of lock-in penalty if property is sold Valuation subsidy capped at $500