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FOR INDIVIDUAL

FOR BUSINESS

Benefits

Multiple Benefits from Wealth Lending

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Get the funds in a quick and easy way with Wealth Lending facility from Standard Chartered.

money loan service

Loan facility up to 90% of your deposit value and available for Deposits in various foreign currencies.

added value high interest rates

Wealth Lending at Standard Chartered is offered with stable and competitive lending interest rates.

time approval in principle 60 seconds

No monthly principal payment until maturity date.

Requirements for Wealth Lending individual customers:

  • Valid National ID/ Passport
  • Loan Application Form
  • Pledge Agreement
  • Loan Purpose’s Documents

Please contact our Relationship Manager and we will help you to achieve your financial goals.

Late Payment Interest:

  • 150% of normal interest rate levied on Principal Outstanding on the daily basis

Early Redemption Fees:

  • Withi­n 6 months from the disbursement date, the early redemption fee is 2% of the pre-paid princ­ipal amount.
  • After 6 months from the disbursement date, the early redemption fee is 1% of the pre-paid princ­ipal amount.

Notarised copy of loan documents with SC Bank office stamps

  • Free of charge for Priority clients

“Loan to Value Ratio” means the (%) ratio between the Loan principal at the time of calculation and current market value of the Collateral (periodically calculated by the Bank and at the exchanges rates published at the Bank’s counter, if applicable).

“Security Margin” means the (%) ratio between the Loan principal at the time of calculation and current market value of the Collateral (periodically calculated by the Bank and at the exchanges rates published at the Bank’s counter, if applicable) at which rate or higher, the Bank shall inform the Borrower of the Collateral status;

“Top-up Ratio” means the (%) ratio between the Loan principal at the time of calculation and current market value of the Collateral (periodically calculated by the Bank and at the exchanges rates published at the Bank’s counter, if applicable) at which rate or higher, the Bank shall inform the Borrower and request for a Collateral top-up which shall be made by the Borrower. Upon expiry of this time limit, the Bank shall enforce the Collateral to recover the Loan.

”Sell-down Ratio” means the (%) ratio between the Loan principal at the time of calculation and current market value of the Collateral (periodically calculated by the Bank and at the exchanges rates published at the Bank’s counter, if applicable) at which rate or higher, the Bank shall immediately enforce the Collateral to recover the Loan and shall inform the Borrower if so required by law.

The above ratios are subject to change from time to time due to fluctuation of financial market. If at any time, “Loan to Value Ratio” exceeds “Top up Ratio” or “Sell down Ratio”, the Bank shall require the Borrower to add more deposit secured for the loan or reduce its liabilities to the Bank in order to reduce “Loan to Value Ratio” to normal.

Wealth Lending Enjoy the low lending rates while mainain the attractive interest rates from deposits offered by Standard Chartered.

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