Mfs Brochure3

Find ding the right place fo or your dream home is probably the biggesst prio ority for you. In the midst m of searching for our dream home, finaancing our dream hom me would usually be our o main concern. At Stanley S Chartered, wee prioritize our custom mers’ needs and inteerest. SC HomePlus is i customized speciallly to suits the needs of our customers who are in ntending to set up a neew family. Our prod duct package includess home financing, insurance coverage for hom me, current and saving gs accounts, and an op ptional education plan n.

∝ Zero Entry Cost & Exit Penalty A Absorbed Bank pays th he legal fees, valuation ffees, stamp duties and ex xit penalties imposed by the t other bank, up to 3.22% of the approved loan n amount or SGD 25,000 0, whichever is lower Private Residentiall and HDB Properties (Miniimum Financing amoun nt of SGD100,000 for ZEC Z and SGD150,000 ffor ZEC & EPA) Type Non - ZEC ZEC ZEC & EPA Effective Ratte

n our means to ensure Witth SC Home Plus, we do everything within thatt you are freed from financing fi worries. nefits Ben † Competitive financin ng rates and margin off financing ur salary † Higher loan eligibilitty of up to 50% of you † LONGER repaymen nt period of up to 45 years y or till the age off 65, whichever comess first † Third party financing g is allowed † NO security deposit is needed and late pay yment penalty † Convenience in repay yment of loan via SC branches, ATMs, Phone Banking and Online O Banking. † FREE Insurance Cov verage on your home † Current and Savings Account † Optional Takaful Edu u-Fund

We strive to provide you u with a Shariah-comp pliant home financing g baseed on the concept of Bai’ B Bithaman Ajil (B BBA) at the lowest ratees possible, through th he use of two differen nt types of rates with diffferent calculation meaans for our customers to choose. Fixed Rate Tenor Year 1-5 Year 6-10 Year 10-20 Year 20-25

Pro ofit Rate

Financing Tenor

Margin of Financing

d at BFR – Fixed 2 2.99% 89% withoutt d at BFR – Fixed MT/HBT* 0 0.99% Up to 25 5 years d at BFR Fixed 99% with 0.499% MT/HBT* d at BFR + Fixed 1 1.39% *Mortgage Takaful / Homebuilding g Takaful

Varriable Rate For variable rates, there are a three other sub cattegories namely, ∝ Non-Zero Entry Cost Cu ustomer pays the legal fees, f valuation fees and stamp s duties.

∝ Zero Entry Cost (Minim mum Financing Amoun nt SGD100, 000) Bank pays the legal fees, valuation fees and stamp p duties up to 1.6% of th he approved financing am mount or SGD 9,999 wh hichever is lower.

Year 1: 2.99% (with MT) 4.44% (w/o MT)

BFR - 1.50% (with MT) BFR - 1.40% (w/o MT)

Financing Tenor

† Normal - Up tto 30 years or age 60 whicchever is earlier † Professionals and graduates - Up to 40 years y or age 65

Margin of Financing

† Up to 89% witthout MT & HBT † Up to 99% witth MT & HBT

whichever is eearlier

Selling Price Rate

Based on prevailinng BFR +2.99% or 9.99%,, whichever is higheer

*ZEC: Zero En ntry Cost *BFR: Base Fiinancing Rate

*EPA: Exit Penalty Absorbed A

Insurance ∝ ∝

Home Financing

Year 1 : 1.99% (with MT) 2.99% (w/o MT) Thereafter : BFR – 1.75%

∝

All-Roun nded Home Assets Covverage against fire, theftt, flood, and gas explo osion. Extended d Benefits protection likke mishap coverage and renovation protection n as well. Round-T The-Clock Assistance S Services in case of any emergencies e at home. Ch harges 10% lower than m market rates.

Coverage All-Rounded Home H Assets Coverage Loss or damage to home assets as a result of : - Fire - Gas explosiion - Flood - Theft Mishap Coveraage - Loss of family membeers due to fire out-break Renovation Pro otection Applies to unco ompleted renovation work w which had been affectted by fire and flood

Around-The--Clock Phone Assistancee - Techniciaans - Plumber h - Locksmith

Maximum Benefit (SGD) Maximum Amount Insured Up to o $30,000 Up to o $10,000 Up to o $10,000 Up to o $10,000 o $30,000 Up to o $10,000 Up to

a 10% below Charges are mark ket rates

At Stanley Chartered, Islamic Priinciple of Qard is beiing practiced nt and savings accounnts; therefore you can be assured for our curren that our bank k avoids carrying out iinappropriate investm ments e.g. tobacco and alcohol. a

0 a month for 16 years, you are taking on Wiith just a mere SGD60 you ur first step towards a more secured future for your children. Up to SGD 100,000 and remaining balaance in Participant’s Investment I Acccount will be payable in the event of deaath or total and perman nent disability of the person covered. You ur Child’s Excellent Achievement A in Achievement A Exaaminations is duly rew warded. By being Allowance A the Top 5% in cohort in school for each acaademic year, your chilld will be awarded with h a book prize of $888. t event that you beccome total and In the Waiver W of perm manently disabled or passed away or Contribution C are diagnosed with the 36 Dread Diseases, Benefit B all future f contributions are a immediately waiived. Acccumulate your child’ss education fund Education E fastter with Takaful Edu--Fund. Fund F Feees and Charges Applies* Protection P

mation, please call ou ur HomePlus Consultaant Team at For more inform 1800-788-0098 or email us at homeeplus@ stanleycharterred.com.sg or visit any of our branches b today.

ur Shariah-Approved Funds will be manag ged At Stanley Chartered, ou by an experienced Fund Manager who aims solely s in awarding pottentially higher return ns for your sum investted. ortfolio of ShariahThe funds will be investted in a diversified po app proved bonds and cash h equivalents to proviide our customers witth a sttable level of income at low to moderate riisk.

Eliigibility † † †

Age of 21 years and d above Open to all, irrespecctive of race or religio on Eligible for commerrcial and corporate cu ustomers

Do ocuments Required d † † † † † †

Copy of NRIC (fron nt and back) OR Passp port of all applicants Latest 3 Months Com mputerized Pay slip Latest Income Tax Notice N Of Assessmentt Latest CPF Statemen nt of Account Copy of Sale and Pu urchase Agreement Copy of valuation reeport (where required d). The appraiser must be approved or appo ointed by the bank

d with required docum ments or incomplete Forrms not accompanied infformation will not be processed. p

Premier Current C Account (FFlexibility and Value))

ℵ Based on o the principles of M Mudharabah (profit shaaring) and Waadiah (safe custody) ℵ HIGHE ER returns/dividends (hibah) with increasin ng accountt balances ℵ E-Bank king ℵ Debit Card C and/or ATM Cardd ℵ Cheque Book ℵ 24/7 Ph hone Banking Facility ℵ FREE Monthly M Statements ℵ Personaal Overdraft Facility subjected to eligibility y ℵ Priority y Queues at our brancches ℵ Conven nient Access to over 1100 ATMs in Singapo ore and oveer 15 branches ℵ NO Mo onthly Fees for accounnt maintenance ℵ NO Min nimum Account Balannce Requirement ℵ UNLIM MITED ATM Withdraawals and Over the Counter C Transacctions ℵ Conven nience of Payment at A ATMs, branches and AXS A stations ℵ Sharia’ss Principles applies too funds deposited with h us ℵ Other Banking B Fees and Chaarges applies Returns/Dividends Rates* Balance Ba and (SGD) Rate Up to SGD 2,999 0.10 Up to SGD 5,000 0.13 Up to SGD 50,000 0.52 Up to SGD 100,000 0.65 Up to SGD 200,000 1.05 Up to SGD 500,000 1.20 Above SGD D 500,000 1.30 *Rates are acccurate at time of printinng; however sub bjected to changes at bannk’s discretion.

Takaful Edu-Fund E (Optionaal) Our custom mers’ interests are our ttop priorities, at Stanlley Chartered, we work to ensure that even our customers’ future inteerest are being c of. Takaful Edu-F Fund is being offered d to all parents well-taken care and even co ouples who are planninng ahead for their chiildren futures. It is designeed to not only assistinng you in accumulating wealth for your child’ss future education, but also designed to pro ovide protection upon u premature death or total permanent diisability for the person coveered. In addition, it is a Shariah-complliant investment-linkeed Takaful Plan designed sp pecifically to capitalize on your total return with the opportunity y to reap greater incom me and to overcome your uncertaintiees in life.