Compare our different mortgage plans and choose the right mortgage to suit your needs.
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Choosing the right mortgage is just as important as finding the right home. Compare the benefits of our different mortgage plans and choose the one that best suits your needs:
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Your Situation
|
Recommended Mortgage Plan
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Key Benefits
|
|---|---|---|
| With cash on hand and have regular savings | Mortgage $aver | Maximise your interest savings
• Have the interest earned from your deposits offset your mortgage expense by reducing the Mortgage Loan outstanding principal |
| First-time home buyer or with limited budget (cannot afford a 40% down payment) | Up to 90% Mortgage Plan | Greater financial flexibility
• Borrow up to 90% of the property value, making a wider range of properties affordable |
| Can afford to manage fluctuations in the repayment amount | HIBOR Mortgage Plan |
Interest rate that stays on top of the market
• Save interest by enjoying a low interest rate when the HIBOR market rate is low |
| Prefer a more stable repayment plan | Prime-based Mortgage |
More control over your interest expenses
• Enjoy a more stable interest rate |
| Have an existing mortgage with Standard Chartered or other banks | Refinancing | Adjusting to your changing needs
• Lower your payments, pay off your loan faster, consolidate your debts or free up funds |
| Residential property owners planning for retirement and stable cash flow | Reverse Mortgage Programme | Regular stream of monthly payouts
• Remain as the owner and live in the property for the rest of your life while no repayment during lifetime |