Standard Chartered

Standard Chartered Saadiq My HomeOne-i

One of the best full-flexible Syariah-compliant housing loan in Malaysia that offers you the quickest and easiest way to reduce your rental rates!

    • Up to 35 years
    • Flexi Islamic financing
    • Floating Profit Rate
    • 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 HomeOne-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
Monthly 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
  • Fire Takaful
  • 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 HomeOne-i

Things you might want to know

What do I need to know aboutStandard Chartered Saadiq My HomeOne-i?

Standard Chartered Saadiq My HomeOne-i is a syariah-compliant, fully flexible home loan based on the Islamic principle of Musyarakah Mutanaqisah.

An innovative offer that combines a home loan with a current account My HomeOne-i  allows you to make extra repayments to reduce your principal at any time. You can even withdraw these extra payments when you need them - without waiting for the bank's approval!

Why should I choose the Saadiq My HomeOne-i housing loan?

With an integrated home loan and savings account, it will be a breeze to reduce your loan principal as any surplus cash that you deposit into your savings account will automatically be deducted from your mortgage.

In addition, there is no lock-in period for this loan so you can settle the loan without paying any penalty fee. You'll get 20% discount on stamp duty and the bank has a capped profit rate, protecting you against a hike in the IBR.

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

Yes, This loan is open to everyone regardless of religion.

Can a foreigner apply?

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

Do I need the insurance?

A Fire Insurance policy is compulsory and is renewable every year.

With the Saadiq My HomeOne-i Account, you are eligible for the PIDM (Perbadanan Insurans Deposit Malaysia). With this, you are insured against the loss of your deposits up to RM250000 in the event of bank failure. The scheme is automatic and is totally free!

The bank may also require you to buy MRTT. It protects you and your family by paying off the entire outstanding loan amount if anything happens to you thus giving you and your family a peace of mind.

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

The Bank may request for additional document at their absolute discretion

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