Standard Chartered

Standard Chartered Conventional Housing Loan

Easier to own your dream home, no matter what you earn - set monthly repayments give you control over your financial commitments.

    • Up to 30 years
    • Term loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Interest Rate
    more than RM5000004.52% p.a.

    *Effective interest rate will be determined by Standard Chartered upon approval.

Apply online now for Standard Chartered Conventional Housing Loan

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Standard Chartered Conventional Housing Loan

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Standard Chartered website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Cancellation Fee
2.25% of the loan amount if the bank pays for legal fees. Otherwise it's 0.5%.
Insurance Types
  • MRTA

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this Standard Chartered home loan?

Minimum annual income
Minimum age
21 years old
Maximum age
65 years old
Who can Apply
  • Any nationality

Frequently Asked Questions about Standard Chartered Conventional Housing Loan

Things you might want to know

What is the Standard Chartered Conventional Housing Loan?

If you're looking for an uncomplicated mortgage the Standard Chartered Conventional Housing Loan would be an ideal hassle free choice. True to its name, this mortgage is a conventional loan with an interest rate pegged to the BR. Being a term loan monthly repayments are fixed throughout the term - you'll know what you need to budget for your mortgage every month.

This term loan can be used to secured residential properties, whether completed or under-construction.  The minimum loan amount is RM 500,000 - one of the lowest borrowing amounts for any home loan in Malaysia.

Why should I choose Standard Chartered Term Loan housing loan?

This home loan would be ideal for you if you are a salaried employee with a fixed income, and prefer to have the piece of mind of paying an fixed amount each month.

The advantage to this traditional loan is that the interest rate is 0.05% lower as compared to the Standard Chartered MortgageOne Home Loan and there is no processing fee, nor monthly fee to worry about.

Can a foreigner apply?

Yes. However, you must have a valid working visa of more than 1 year and maximum margin of finance is 80% of the property value.

Do I need to buy any insurance?

A Fire Insurance policy is compulsory. MRTA is optional.

What do I need to apply for this home loan?

Complete the application form
A copy of SPA / Booking Receipts / Letter of Offer from Developer

Salaried Employee:

Copy of MyKad (front and back)
Latest months’ salary slips and bank statement
Latest EA From or EPF statement

Salaried applicant working abroad:

Copy of MyKad (front and back)
Tax assessment from the specific country or
Latest 3 months pay slips and Bank statement or
CPF statement

Commission Earner:

Copy of MyKad (front and back)
6 months commission statement and Bank statement or
EPF / CPF statement if working abroad or
Tax assessment from the specific country if working abroad


Copy of MyKad (front and back)
Business Registration Certificate – Form 9, Form 24 and Form 49 and
Audited balance sheet and Profit and Loss or
Last 6 months bank statements or
Latest year Form BE

Foreigner working in Malaysia:

Copy of Passport (front and back)
Valid work permit and
3 months bank statement or
Tax assessment from home country

Read More