Standard Chartered

Standard Chartered MortgageOne

A fully flexible loan that combines your savings and home loan accounts providing a quick and easy way to reduce your interest payments

    • Up to 30 years
    • Flexi loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 90% margin of finance
  • You BorrowEstimated Interest Rate
    more than RM5000005.50% p.a.

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

Apply online now for Standard Chartered MortgageOne

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Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
RM424.00 includes RM212 for setup fees
Monthly 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

*inclusive of 6% GST


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 MortgageOne

Things you might want to know

What is Standard Chartered MortgageOne?

MortgageOne is a convenient flexible home loan designed to let you reduce your principal loan amount quickly and easily. In order to do this, your loan and savings accounts will be consolidated into one integrated account. Then your interest charges are calculated daily, based on your outstanding loan principal minus the amount in the savings account.

The more you deposit into your savings account - the more you reduce your interest and term of your loan.

The Mortgage One home loan can be used to secure residential properties, whether completed or under-construction. A refinancing plan is also available.

Any other cool features?

Low Start option - for the first two years, you will be allowed to pay a lower installment so that you can spend your spare cash on making your new house a home. This option is ideal if you feel the pinch after paying for the down payment and other miscellaneous charges.

Payment holiday option – give your monthly repayments a vacation once in a while! This option allows you to defer your payments for a portion of time for some financial breathing space. This is not allowed during the first two years of the Low Start option.

Priority Banking privilege - If you're a Standard Chartered Priority Banking customer lower interest rates are available to you. 

Online banking - you have an option to sign up for e-statement and receive your monthly statement via email.

Credit card privileges - Standard Chartered also gives you a free credit card when you sign up this loan.

Can a foreigner apply?

Yes, however, you must have a valid working visa with more than one year left to run. The maximum margin of finance for you is 80% of the property value.

Do I need the insurance?

Fire Insurance policy is compulsory. MRTA is optional.

What do I need to apply for this home loan?

You're going to need a completed application form
And a copy of SPA / Booking Receipts / Letter of Offer from Developer

Salaried Employee

Copy of MyKad (front and back)
Latest three month's 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 three month's pay slips and Bank statement or
CPF statement

Commission Earner

Copy of MyKad (front and back)
Three 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 six month's bank statements or
Latest year Form BE

Foreigner working in Malaysia

Copy of Passport (front and back)
Valid work permit and
Three month's bank statement or
Tax assessment from home country

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