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%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.35%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Interest Offset Ratio: 67% Interest Offset Limit: 0%
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	MortgageOne Interest offset account Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	2.60% (Fixed)
Year 2	2.60% (Fixed)
Year 3	3M SIBOR + 0.88%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
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	$200,000 to be placed with bank Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	3M SIBOR + 0.35%
Year 2	3M SIBOR + 0.35%
Year 3	3M SIBOR + 0.45%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	MortgageOne Interest offset account
Year 1	3M SIBOR + 0.20%
Year 2	3M SIBOR + 0.20%
Year 3	3M SIBOR + 0.25%
Thereafter	3M SIBOR + 0.40%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	$200,000 to be placed with bank
Year 1	1.86% (Fixed)
Year 2	1.86% (Fixed)
Year 3	3M SIBOR + 0.50%
Thereafter	3M SIBOR + 0.50%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.15%
Year 2	3M SIBOR + 0.15%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
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	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
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	MortgageOne Interest offset account Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.35%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	2.60% (Fixed)
Year 2	2.60% (Fixed)
Year 3	3M SIBOR + 0.88%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $500,000
Year 1	Board 2.45%
Year 2	Board 2.45%
Year 3	Board 2.45%
Thereafter	Board 2.45%
Lock-in period	-
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
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% 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	$200,000 to be placed with bank Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.30%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	3M SIBOR + 0.20%
Year 2	3M SIBOR + 0.20%
Year 3	3M SIBOR + 0.25%
Thereafter	3M SIBOR + 0.40%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	$200,000 to be placed with bank
Year 1	3M SIBOR + 0.35%
Year 2	3M SIBOR + 0.35%
Year 3	3M SIBOR + 0.45%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	MortgageOne Interest offset account
Year 1	1.86% (Fixed)
Year 2	1.86% (Fixed)
Year 3	3M SIBOR + 0.50%
Thereafter	3M SIBOR + 0.50%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.15%
Year 2	3M SIBOR + 0.15%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
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%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.35%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Interest Offset Ratio: 67% Interest Offset Limit: 0%
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	MortgageOne Interest offset account Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	2.60% (Fixed)
Year 2	2.60% (Fixed)
Year 3	3M SIBOR + 0.88%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
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	$200,000 to be placed with bank Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.30%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks
Year 1	3M SIBOR + 0.35%
Year 2	3M SIBOR + 0.35%
Year 3	3M SIBOR + 0.45%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	MortgageOne Interest offset account
Year 1	3M SIBOR + 0.20%
Year 2	3M SIBOR + 0.20%
Year 3	3M SIBOR + 0.25%
Thereafter	3M SIBOR + 0.40%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	$200,000 to be placed with bank
Year 1	1.86% (Fixed)
Year 2	1.86% (Fixed)
Year 3	3M SIBOR + 0.50%
Thereafter	3M SIBOR + 0.50%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.15%
Year 2	3M SIBOR + 0.15%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks

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	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
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	MortgageOne Interest offset account Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.35%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Interest Offset Ratio: 67% Interest Offset Limit: 0%
Year 1	2.60% (Fixed)
Year 2	2.60% (Fixed)
Year 3	3M SIBOR + 0.88%
Thereafter	3M SIBOR + 0.88%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $500,000
Year 1	Board 2.45%
Year 2	Board 2.45%
Year 3	Board 2.45%
Thereafter	Board 2.45%
Lock-in period	-
Subsidy / Incentive	0.4% (max $1,800)
Remarks	Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
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% 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	$200,000 to be placed with bank Rate pegged to fixed deposit rate (FD), FD is currently at 1.37%
Year 1	3M SIBOR + 0.30%
Year 2	3M SIBOR + 0.30%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.30%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks
Year 1	3M SIBOR + 0.20%
Year 2	3M SIBOR + 0.20%
Year 3	3M SIBOR + 0.25%
Thereafter	3M SIBOR + 0.40%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	$200,000 to be placed with bank
Year 1	3M SIBOR + 0.35%
Year 2	3M SIBOR + 0.35%
Year 3	3M SIBOR + 0.45%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	MortgageOne Interest offset account
Year 1	1.86% (Fixed)
Year 2	1.86% (Fixed)
Year 3	3M SIBOR + 0.50%
Thereafter	3M SIBOR + 0.50%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks	One time free switching to another loan package after 24 months Valuation subsidy subject to approval capped at $500
Minimum mortgage of $1,000,000
Year 1	3M SIBOR + 0.15%
Year 2	3M SIBOR + 0.15%
Year 3	3M SIBOR + 0.30%
Thereafter	3M SIBOR + 0.45%
Lock-in period	2 years
Subsidy / Incentive	0.4% (max $1,800)
Remarks