Standard Chartered

Standard Chartered Saadiq My Home-i

A straightforward conventional Islamic home loan with fixed monthly installments - ideal for those who have strict financial plans.

    • Up to 35 years
    • Term Islamic financing
    • Floating Profit Rate
    • 0 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    more than RM5000003.27% p.a.

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

Apply online now for Standard Chartered Saadiq My Home-i

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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
No Fee
Early Settlement Fee
No Fee
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request
Cancellation Fee
2.25% of the financing amount if the bank pays for legal fees. Otherwise it's 0.5%.
Insurance Types
  • MRTT


Are you eligible for this Standard Chartered home financing?

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

Frequently Asked Questions about Standard Chartered Saadiq My Home-i

Things you might want to know

What is Standard Chartered Saadiq My Home-i?

The Syariah compliant Standard Chartered Saadiq My Home-i is a conventional term loan with fixed monthly installments based on the Islamic principle of Musyarakah Mutanaqisah. It is very straightforward with no flexibility to deposit additional cash.

This term loan can be used to secure residential properties, whether completed or under-construction. Minimum financing amount is RM 500,000, arguably one of the lowest in Malaysia.

What are the benefits of a Standard Chartered Saadiq My Home-i housing loan?

This loan is ideal for folks who require more control of their cash flow every month and prefer to pay a fixed amount for a fixed period of time. If you like it plain and simple, this is the mortgage for you.

You also get a 20% discount on stamp duty or a full waiver on financing document fees when you refinance from an existing conventional home loan to Saadiq My Home-i.

The interest rate is lower compared to a fully flexible loan, like the Saadiq My HomeOne-i, by up to 0.05%, there's also a ceiling rate protection that shields you from any IBR fluctuation.

I am not a Muslim; can I still apply this loan?

Why would that stop you? Of course you can apply - this loan is open to everyone!

Can a foreigner apply?

Yes, however, you must have a valid working visa of more than one year and your maximum margin of finance will be 80% of the property value.

Do I need to buy any insurance?

A Fire Insurance policy is compulsory. It is encouraged to take up MRTT to protect you and your family from a financial difficulty if anything unfortunate were to happen to you. The premium is payable as a one off payment when your loan is approved.

What documents 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 statement or
  • Last 6 months bank statements or
  • Latest year Form BE

Foreigner working in Malaysia:

  • Valid work permit and
  • 3 months bank statement or
  • Tax assessment from home country

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