Interest Rate


Monthly Repayment


1. I want to borrow
2. For how long
Standard Chartered Highlights
  • Full Flexi Packages
  • No Lock-in-Period
  • Best for loan amounts above RM600,000
Terms & Conditions
  • Minimum Age: 21 Years
  • Loan Tenure: Up to 35 Years
  • Margin of Finance: 90%
  • Suitable for: Completed homes, under-construction properties, refinancing

Is a Standard Chartered Home Loan Right for Me?

Standard Chartered Bank offers three exclusive Standard Chartered home loan packages which includes standard term loans and flexi packages. Conventional Housing Loan (basic term loan package) gives you a high loan eligibility of up to 40% of salary.

There are 2 main types of Standard Chartered home loan. MortgageOne, Standard Chartered’s full-flexi home loan package is an integrated financing plan that combines the home buyer’s savings account, current account and bank deposits. Deposit amounts are used to offset the outstanding balance on the loan account when calculating interest, ensuring that you maximise interest savings. This Standard Chartered home loan is only available for financing greater than RM300,000 for any types of secured residential properties. You can also use this Standard Chartered home loan for refinancing purpose. Standard Chartered MortgageOne has lots of awesome features that you may not want to miss out. Firstly, you will get a new credit card once you sign up for this Standard Chartered home loan. Next, you are allowed to pay at a lower instalment for the first 2 years. This means that you have extra cash to spend on your renovation with the unique Standard Chartered home loan. Another feature of this Standard Chartered home loan is the payment holiday option in which gives you a break on your monthly repayment.

Standard Chartered also offers a home loan product pegged to the 3-Month Kuala Lumpur Inter-Bank Offered Rate (KLIBOR) called MortgageKLIBOR. Despite the different benchmark interest rate used, final interest rates on this term loan package remains competitive with its other packages. Thus, you can potentially enjoy more savings if you take up this Standard Chartered home loan. By pegging to KLIBOR via this Standard Chartered home loan, there are no set-up fees, maintenance fees or any hidden charges.

Standard Chartered Home Loans have no lock in period, which means there are no restrictions on refinancing and property sale. Standard Chartered can offer you a margin of financing of up to 90% and long maximum loan tenure of up to 35 years (in accordance to the latest ruling by Bank Negara Malaysia) or upon reaching age 65, whichever is earlier.

Standard Chartered Home Loan Packages

Standard Chartered has a number of innovative home loan packages, the perks of which are highlighted here:

Product Key Features Is this a flexi package?
Conventional Housing Loan
  • Term loan with fixed monthly instalment
  • Loan eligibility of up to 40% of salary
  • Margin of financing up to 90%
  • Uses one single account that consolidates all banking deposits to reduce loan interest
  • Interest calculated daily for greater savings
  • Payment holiday allows borrowers to skip instalment for one 
Yes, full-flexi
  • Home loan with interest rate pegged to KLIBOR (Kuala Lumpur Inter-Bank Offered Rates)
  • Allows for payment in excess of instalment amount

Details of Standard Chartered’s Flexi Home Loan Packages

Flexi home packages allow borrowers to make extra repayments every month in order to reduce their monthly interest charges. These packages come with requirements, fees and conditions that should be considered alongside their benefits.

Flexi type Full-flexi
Is a linked bank account required? Yes
Account Maintenance Fees RM10 per month
Redrawal Fees No

Am I Eligible for a Standard Chartered Home Loan?

All Malaysian citizens above 21 years of age can apply for a Standard Chartered home loan.

What Documents Will I Need to Prepare?

If you have applied for a Standard Chartered Home Loan, you will be asked to provide some supporting documents in order for the bank to process your application. These documents are listed below:

  • Application Form
  • NRIC / Identity Card
  • Copy of Sales and Purchase or Booking Receipt or Letter of Offer from Developer
  • Copy of Individual Title Deed
  • Property Valuation Report (for completed properties)
  • Latest 3 consecutive months of salary slips / vouchers
  • Latest 6 consecutive months of commission statement
  • Latest EPF statements (with 3 consecutive months or more transaction history)
  • Latest EA form
  • Latest 6 months Bank Statement
  • Letter of Confirmation of Employment and Remuneration

Sounds Great! How Should I Proceed?

You can use the Standard Chartered home loan calculator to calculate your monthly repayments, based on your desired property value and loan amount. Once you are ready to apply, you can make a free enquiry through iMoney, and we will call you back. Applying for a home loan with iMoney is absolutely free of charge. If you are not sure whether this home loan by Standard Chartered is your best option, click here to compare other home loans in Malaysia.

Is It Easy to Repay my Standard Chartered Home Loan?

Here are some of the repayment methods for your Standard Chartered home loan.

Online Transfer
Transfer funds from your Standard Chartered Bank Savings or Checking accounts to make your payments online
Pay your loans at any of the MEPS ATMs (over 5,000) nationwide
Interbank GIRO
Pay your loans through the Interbank GIRO fund transfer at the participating bank’s branch or through online banking
Standing Instruction Facility
Automatic deduction from your bank account every month
Standard Chartered ATMs
Transfer funds from your Standard Chartered Savings or Checking accounts to make your payment at all Standard Chartered branches
Express Payment machine
Make a check or cash deposit at Standard Chartered branches
Payment by Mail
Mail to Standard Chartered with your check and statement enclosed in an envelope
Phone Banking
Issue instructions to have your bank account deducted to pay for your home loan with your T-PIN

If you are looking for other home loans, you may also consider
Alliance Islamic Bank Home Loan
At Alliance Islamic Bank, the home loan rate starts from Base Rate (BR) 4.00%. The option of a flexi loan package is available and there is a maximum of 90% margin of financing. There is a 3 year lock-in period for this home loan.
Bank Rakyat Home Loan
Bank Rakyat provides a housing loan rate starting from Base Rate (BR) 3.87%. There is no option of a flexi loan package available and there is a maximum of 90% margin of financing. The lock-in period for this housing loan is 5 years.
Maybank Islamic Home Loan
The mortgage rate from Maybank Islamic starts from Base Rate (BR) 3.20%. The option of a flexi loan package is available and there is a maximum of 90% margin of financing. There is no lock-in period for this mortgage.
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