Standard Chartered Saadiq My HomeOne-i

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

Standard Chartered Saadiq My HomeOne-i
Up to 35 years
Profit Rate
from 3.52% p.a.
Loan type
Flexi islamic financing
Interest Type
Floating profit rate
Margin of finance
up to 90%
Approval in
30 days

Profit Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Profit Rate
more than RM500,0003.52% p.a.
*Effective profit rate will be determined by Standard Chartered upon approval.


Minimum Annual Income
Minimum Age
  • 21 to 70 years old
Who can apply
  • Malaysians
  • Foreigners

Fees & Charges

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 per request
Letter for EPF Withdrawal Fee
RM20 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

More Information

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

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

An innovative offer that combines a home loan with a savings 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.

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 Takaful is compulsory and is renewable every year. The bank may also require you to purchase the MRTT as 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 documents at their absolute discretion.

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