Stanley Chartered

HOMEPLUS

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preferred loan
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*Terms And Conditions Applies
 HomePlus
BENEFITS…
BENEFITS
ℵ Competitive Rates 
ℵ Higher Loan Principle
ℵ Long Repayment Period
ℵ NO Collateral & Late Payment Penalty
NO Collateral & Late Payment Penalty
ℵ Convenience Repayment Methods
ℵ Extensive Insurance Coverage
ℵ Inclusive Savings & Current Accounts

FIXED RATES…
Margin of
Tenor Profit Rate Financing Tenor
Financing
Fixed at BFR –
Year 1-5
2.99%
89% without
Fixed at BFR –
Year 6-10 Up to 25 years MT/HBT*
0 99%
0.99%
Fixed at BFR -
Year 10-20 99% with
0.499%
MT/HBT*
Fixed at BFR +
Year 20-25
1.39%
*Mortgage Takaful / Homebuilding Takaful

VARIABLE RATES… Private Residential and HDB Properties

p
(Minimum Financing amount of SGD100,000 for ZEC and SGD150,000 for ZEC & EPA)
Type Non - ZEC ZEC ZEC & EPA
Effective Rate Year 1 : 1.99% (with MT) Year 1: 2.99% (with MT) BFR - 1.50% (with MT)
2.99% (w/o MT) 4.44% (w/o MT) BFR - 1.40% (w/o MT)
Thereafter : BFR – 1.75%
Financing Tenor † Normal - Up to 30 years or age 60 whichever is earlier
† Professionals and graduates - Up to 40 years or age 65 whichever is earlier
Margin of Financing † Up to 89% without MT & HBT
† Up to 99% with MT & HBT
Selling Price Rate Based on prevailing BFR +2.99% or 9.99%,
whichever is higher

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 Islamic Banking
† Banking Activities consistent 
with Principles of Islamic Law

† Practical application 
through development of 
Islamic Economics

† In accordance with 
Shariah Rules

† Sharing of profit/loss & 
prohibition of “Riba”

† Concepts: Profit sharing, 
safekeeping, joint venture,
p g, j ,
cost plus & leasing

† Excludes alcohol, pork & 
gambling

† Encourage moral purchasing