Standard Chartered Home Loan Review: The Right Choice for Financing Your New Home?

Standard Chartered Home Loan Review: The Right Choice for Financing Your New Home?

Standard Chartered generally offers competitive interest rates to homeowners in Singapore.

Good for

  • Individuals seeking home loans with low total cost of borrowing
  • Individuals seeking an interest-offset account for their private home loan

Bad for

  • Individuals seeking to refinance their home loans every few years
  • Individuals with annual incomes of less than S$30,000

Editor's Rating

4.5/5.0

Standard Chartered is a large global financial institution with a long history as a home lender. In 2017, the bank had approximately S$138 billion in outstanding loans to retail customers globally. Standard Chartered also has a good track record of offering competitive home loan rates in Singapore. In 2017 and early 2018, the bank offered particularly competitive floating rates with low total costs of borrowing, although its first-year interest rates were less competitive. Therefore, its loans are better for individuals seeking a loan with a low total cost of borrowing but not individuals that plan to refinance their home loan frequently. Standard Chartered also offers interest offset accounts for individuals that seek to open a deposit account that can be used to reduce the cost of their private home loans.

Summary of Standard Chartered's Home Loans
Competitive total cost of borrowing
Legal Fee Subsidies: S$1,800
Minimum loan principal: S$100,000
Total loans in retail sector: S$138 billion

Table of Contents

What Makes Standard Chartered Stand Out to Borrowers

Standard Chartered offers competitive home loans in terms of total cost due to its competitive floating interest rates. However, Standard Chartered does not typically offer the best first-year interest rates. It is important to understand that home loan rates are known to change frequently, making it crucial to compare rates as you prepare to apply for a home loan.

Standard Chartered also offers Mortgageone, a deposit account in which two-thirds of the deposit earns the same interest rate as the that the mortgage accrues while the other third earns 0.25% annually. This account, which is only available to borrowers with private home loans, provides borrowers with a low-risk means to earn income that can be used to repay their home loan.

Standard Chartered HDB Home Loans Interest Rates

Standard Chartered typically offers competitive interest rates on HDB housing loans. From late 2017 through April 2018, the bank offered particularly competitive floating interest rates despite slightly less competitive first-year interest rates. With that said, home loan rates change quite often, so it is essential to review banks' current interest rates before choosing a lender. The table below displays Standard Chartered's current HDB home loan interest rates.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Tracker2.13%2 years
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SCB Tracker2.18%2 years
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SCB Board2.20%2 years
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SCB Tracker2.20%2 years
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SCB Board2.25%2 years
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SCB Board2.25%2 years
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SCB Tracker2.25%2 years
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SCB Board2.30%2 years
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SCB Tracker2.23%2 years
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SCB Tracker2.25%2 years
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SCB Tracker2.48%2 years
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SCB Tracker2.53%2 years
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Similar to its HDB home loans, Standard Chartered tends to offer competitive floating interest rates for its BTO loans. The table below displays the bank's current interest rates for HDB homes under construction.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Board2.15%0
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SCB Tracker2.13%0
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SCB Board2.20%0
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SCB Tracker2.20%0
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SCB Board2.25%0
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Standard Chartered Private Home Loans Interest Rates

Standard Chartered's private home loan offerings are quite similar to its HDB housing loans. The bank offers competitive loans in terms of total cost thanks to its low floating interest rates. Its other rates are not quite as competitive. However, home loan rates change frequently so it is important to monitor current rates. The table below shows Standard Chartered's updated interest rates.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Tracker2.13%2 years
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SCB Tracker2.18%2 years
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SCB Board2.20%2 years
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SCB Tracker2.20%2 years
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SCB Board2.25%2 years
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Standard Chartered generally offers competitive home loans for private residences under construction. The bank's floating rates have been especially competitive, while its other rates have been less competitive. For a look at the banks current rates, see the table below.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Board2.15%0
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SCB Tracker2.13%0
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SCB Board2.20%0
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SCB Tracker2.20%0
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SCB Board2.25%0
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Standard Chartered Refinancing Home Loan Interest Rates

Standard Chartered offers competitive interest rates home loan refinancing with fixed interest rates. However, its floating rates are often significantly higher than other lenders. For reference, the table below displays the bank's current interest rates for home loan refinancing.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Tracker2.13%2 years
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SCB Tracker2.18%2 years
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SCB Board2.20%2 years
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SCB Tracker2.20%2 years
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SCB Board2.25%2 years
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Like other home lenders, Standard Chartered offers a legal fee subsidy to to borrowers that refinance their home loan with the bank. Standard Chartered's subsidy of S$1,800 is slightly less generous than other banks and is limited to individuals with loans of at least S$400,000.

Loan PrincipalLegal Fee Subsidy
Less than S$400,000N/A
At least S$400,000S$1,800
At least S$500,000(tracker loans)S$1,800

Applicable Fees

Standard Chartered charges a few fees that are standard among home lenders in Singapore, including a partial repayment fee, full redemption penalty and cancellation fee. The table below outlines the bank's fees by loan type.

Loan TypePartial Repayment FeeFull Redemption PenaltyCancellation Fee
Completed1.5%1.5%1.5%
BUC (Tracker)N/AN/A1.5%
BUC (Board)N/AN/A1.0%

How to Apply: Application Process

Find the Cheapest Home Loans in Singapore

$
{"defaultValue":"500000","clearOnFocus":true,"label":"Loan Amount","name":"loanAmount","symbol":"$","symbolLocation":"left","showLabel":false}

To be eligible for Standard Chartered's home loan products, individuals must be 21 to 65 years old, have a valid Singapore mobile phone number and a monthly income of at least S$2,500. It is also worth noting that Standard Chartered offers a 0.12% referral credit (capped at S$2,000) to borrowers that refer a friend to the bank

Home loan applications are typically quite complicated and require a significant amount of documentation. Therefore, we suggest that individuals interested in Standard Chartered's home loans contact our broker partner by clicking any of the "Check Rates" buttons on this page.

How Do Standard Chartered's Rates Compare to Other Bank's Home Loan Rates?

Home loan interest rates can change every few days in Singapore. This makes it important to compare the best rates in the market. The table below features updated interest rates for Singapore's top banks.

Bank1st Yr InterestLock-in PeriodApply Now
SCB Tracker2.13%2 years
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SCB Tracker2.18%2 years
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SCB Board2.20%2 years
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UOB Tracker2.23%1 year
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SCB Tracker2.20%2 years
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Comments and Questions