Findding the right place fo

or your dream home is probably the biggesst ∝ Zero Entry Cost & Exit Penalty A
Absorbed
prio
ority for you. In the midst
m of searching for our dream home, Bank pays th
he legal fees, valuation ffees, stamp duties and ex
xit penalties
finaancing our dream hom me would usually be our
o main concern. imposed by the
t other bank, up to 3.22% of the approved loan n amount or
SGD 25,0000, whichever is lower
At Stanley
S Chartered, wee prioritize our custom
mers’ needs and
inteerest. SC HomePlus isi customized speciallly to suits the needs of Private Residentiall and HDB Properties
(Miniimum Financing amoun nt of SGD100,000 for ZEC
Z and
our customers who are in ntending to set up a neew family. Our
SGD150,000 ffor ZEC & EPA)
prod duct package includess home financing, insurance coverage for Type Non - ZEC ZEC ZEC & EPA
homme, current and savinggs accounts, and an op ptional education plan
n. Effective Ratte Year 1 : 1.99% Year 1: 2.99% BFR - 1.50%
(with MT) (with MT) (with MT)
Witth SC Home Plus, we do everything within n our means to ensure 2.99% (w/o MT) 4.44% BFR - 1.40%
thatt you are freed from financing
fi worries. Thereafter : (w/o MT) (w/o MT)
BFR – 1.75%
nefits
Ben
Financing † Normal - Up tto 30 years or age 60 whicchever is earlier
Tenor
† Competitive financinng rates and margin off financing † Professionals and graduates - Up to 40 years
y or age 65
† Higher loan eligibilitty of up to 50% of you
ur salary whichever is eearlier
† LONGER repaymen nt period of up to 45 years
y or till the age off
Margin of † Up to 89% witthout MT & HBT
Financing
65, whichever comess first † Up to 99% witth MT & HBT
† Third party financingg is allowed Selling Price Based on prevailinng BFR +2.99% or 9.99%,,
Rate whichever is higheer
† NO security deposit is needed and late pay yment penalty
*ZEC: Zero En
ntry Cost *EPA: Exit Penalty Absorbed
A
† Convenience in repay yment of loan via SC branches, ATMs, *BFR: Base Fiinancing Rate
Phone Banking and Online
O Banking.
† FREE Insurance Cov verage on your home Insurance
† Current and Savings Account ∝ All-Roun nded Home Assets Covverage against fire, theftt, flood, and
† Optional Takaful Edu u-Fund gas exploosion.
∝ Extended d Benefits protection likke mishap coverage and renovation
Home Financing protection
n as well.
We strive to provide you u with a Shariah-comppliant home financing g ∝ Round-T The-Clock Assistance S Services in case of any emergencies
e at
baseed on the concept of Bai’
B Bithaman Ajil (B BBA) at the lowest home. Ch harges 10% lower than m market rates.
ratees possible, through th
he use of two differen
nt types of rates with
diffferent calculation meaans for our customers to choose. Coverage Maximum Benefit (SGD)
All-Rounded Home
H Assets Coverage Maximum Amount Insured
Loss or damage to home assets as a result of :
Fixed Rate - Fire Up to
o $30,000
Financing Margin of - Gas explosiion Up to
o $10,000
Tenor Pro
ofit Rate - Flood Up to
o $10,000
Tenor Financing
- Theft Up to
o $10,000
d at BFR –
Fixed
Year 1-5 Mishap Coveraage - Loss of family membeers due to
2
2.99% fire out-break o $30,000
Up to
89% withoutt
d at BFR –
Fixed Renovation Pro otection
Year 6-10 MT/HBT*
0
0.99% Applies to uncoompleted renovation work wwhich
Up to 255 years had been affectted by fire and flood
o $10,000
Up to
Fixedd at BFR -
Year 10-20 99% with
0.499% Around-The--Clock Phone Assistancee
MT/HBT*
d at BFR +
Fixed - Techniciaans Charges are
a 10% below
Year 20-25 - Plumber markket rates
1
1.39%
*Mortgage Takaful / Homebuilding
g Takaful - Locksmith h

Varriable Rate At Stanley Chartered, Islamic Priinciple of Qard is beiing practiced

For variable rates, there are
a three other sub cattegories namely, nt and savings accounnts; therefore you can be assured
for our curren
that our bank
k avoids carrying out iinappropriate investm
ments e.g.
∝ Non-Zero Entry Cost
Cu
ustomer pays the legal fees,
f valuation fees and stamp
s duties. tobacco and alcohol.
a
∝ Zero Entry Cost (Minim
mum Financing Amoun
nt SGD100, 000)
Bank pays the legal fees, valuation fees and stampp duties up to 1.6% of
th
he approved financing ammount or SGD 9,999 wh hichever is lower.
 Wiith just a mere SGD60 0 a month for 16 years, you are taking on Premier Current
C Account (FFlexibility and Value))
you
ur first step towards a more secured future for your children. ℵ Based on
o the principles of MMudharabah (profit shaaring)
and Waadiah (safe custody)
Protection
P Up to SGD 100,000 and remaining ℵ HIGHE ER returns/dividends (hibah) with increasin ng
balaance in Participant’s Investment
I accountt balances
Acccount will be payable in the event of ℵ E-Bankking
deaath or total and permannent disability of ℵ Debit Card
C and/or ATM Cardd
the person covered. ℵ Cheque Book
Achievement
A You ur Child’s Excellent Achievement
A in ℵ 24/7 Ph
hone Banking Facility
Allowance
A Exaaminations is duly rewwarded. By being
ℵ FREE Monthly
M Statements
the Top 5% in cohort in school for each
ℵ Personaal Overdraft Facility subjected to eligibility
y
acaademic year, your chilld will be awarded
withh a book prize of $888. ℵ Priority
y Queues at our brancches
Waiver
W of In the
t event that you beccome total and ℵ Conven nient Access to over 1100 ATMs in Singapo ore
Contribution
C permmanently disabled or passed away or and oveer 15 branches
Benefit
B are diagnosed with the 36 Dread Diseases, ℵ NO Mo onthly Fees for accounnt maintenance
all future
f contributions are
a immediately ℵ NO Min nimum Account Balannce Requirement
waiived. ℵ UNLIM MITED ATM Withdraawals and Over the Counter C
Education
E Acccumulate your child’ss education fund Transacctions
Fund
F fastter with Takaful Edu--Fund. ℵ Convennience of Payment at A ATMs, branches and AXSA stations
Feees and Charges Applies* ℵ Sharia’ss Principles applies too funds deposited with
h us
ℵ Other Banking
B Fees and Chaarges applies
At Stanley Chartered, ou ur Shariah-Approved Funds will be managged
by an experienced Fund Manager who aims solelys in awarding Returns/Dividends Rates*
pottentially higher return
ns for your sum investted. Balance Ba and (SGD) Rate
mation, please call ou
For more inform ur HomePlus Consultaant Team at Up to SGD 2,999 0.10
1800-788-0098 or email us at homeeplus@ stanleycharterred.com.sg Up to SGD 5,000 0.13
The funds will be investted in a diversified po
ortfolio of Shariah- Up to SGD 50,000 0.52
or visit any of our branches
b today. appproved bonds and cash h equivalents to proviide our customers witth Up to SGD 100,000 0.65
a sttable level of income at low to moderate riisk. Up to SGD 200,000 1.05
Up to SGD 500,000 1.20
Eliigibility Above SGD D 500,000 1.30
† Age of 21 years and d above *Rates are acccurate at time of printinng;
† Open to all, irrespecctive of race or religio
on however sub bjected to changes at bannk’s discretion.
† Eligible for commerrcial and corporate cu ustomers
Takaful Edu-Fund
E (Optionaal)
Do
ocuments Required
d Our custom
mers’ interests are our ttop priorities, at Stanlley Chartered,
† Copy of NRIC (fronnt and back) OR Passp port of all applicants we work to ensure that even our customers’ future inteerest are being
† Latest 3 Months Com mputerized Pay slip well-taken care
c of. Takaful Edu-F Fund is being offered d to all parents
† Latest Income Tax Notice
N Of Assessmentt and even co
ouples who are planninng ahead for their chiildren futures.
† Latest CPF Statemen nt of Account
† Copy of Sale and Puurchase Agreement It is designeed to not only assistinng you in accumulating wealth for
† Copy of valuation reeport (where required
d). The appraiser must your child’ss future education, but also designed to proovide
be approved or appoointed by the bank protection upon
u premature death or total permanent diisability for the
person coveered.
Forrms not accompanied d with required docum
ments or incomplete
infformation will not be processed.
p In addition, it is a Shariah-complliant investment-linkeed Takaful Plan
designed sppecifically to capitalize on your total return with the
opportunityy to reap greater incomme and to overcome your
uncertaintiees in life.