Project Brochure Latest

Finding the right place for home is probably the biggest priority for you. Having to own a house without the trouble of cash flow problem would be best for homeowners like you. With SC Home Plus, you will be able to meet these troubles and create a home of yours. Benefits † Competitive financing rates and margin of financing † Higher loan eligibility of up to 50% of your salary † Longer repayment period of up to 45 years or till the age of 65, whichever comes first † Third party financing is allowed † No security deposit needed † Convenience in repayment of loan via SC branches, ATMs, Phone Banking and online Banking. † Enjoy insurance coverage which settles outstanding mortgage and transfer the title deed to your family in the event of death or total and permanent disability

Year 1 : 1.99% (with MT) Year 1: 2.99% Effective 2.99% (with MT) Rate (w/o MT) 4.44% Thereafter : (w/o MT) BFR – 1.75%

Financing Tenor

Selling Price Rate

†

Normal - Up to 30 years or age 60 whichever is earlier

†

Professionals and graduates - Up to 40 years or age 65 whichever is earlier Up to 89% without MT & HBT Up to 99% with MT & HBT

† †

Margin of Financing

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

Based on prevailing BFR +2.99% or 9.99%, whichever is higher

Insurance All-Rounded Home Assets Coverage Allow your home assets to be covered against fire, theft, flood, and gas explosion. There are 3 different categories for home assets. They are furniture and home appliances (e.g. laptop), valuables (e.g. jewellery), and interior design (e.g. bar-top table). In case of any 4 unwanted situations, be ready to claim up to S$30,000.

Profit rate

Financing Tenor

Margin of Financing

Fixed at Up to 25 89% without Year 1-5 BFR – years MT/HBT* 2.99% Fixed at 99% with Year 6-10 BFR – MT/HBT* 0.99% Fixed at Year 10-20 BFR 0.499% Fixed at Year 20-25 BFR + 1.39% *Mortgage Takaful / Homebuilding Takaful

Round-The-Clock Assistance Services Call 65482977 in case of any emergencies at home. We have a 24/7 service call centre available and you can call in anytime to arrange a house services like plumbing, air-conditioning servicing, locksmith etc with charges 10% lower than market rates. Coverage

All-Rounded Home Assets Coverage Loss or damage to home assets as a result of :

Variable Rates

- Gas explosion

Up to $10,000

- Flood

Up to $10,000

- Theft

Up to $10,000

Other Benefits

Debit card issuance Credit card waiver off 1st year, subject to yearly income Credit card benefits

Mishap Coverage Loss of family members due to fire out-break

Up to $30,000

Renovation protection Applies to uncompleted renovation work which had been affected by fire and flood

Up to $10,000

Around-The-Clock Phone Assistance

Charges are 10% below market rates

- Technicians - Plumber - Locksmith

Current Account

Extended Benefits Extensively, we provide you with additional protection like mishap coverage and renovation protection as well.

Fixed Rate Tenor

Private Residential and HDB Properties (Minimum Financing amount of SGD100,000 for ZEC and SGD150,000 for ZEC & EPA) Type Non - ZEC ZEC ZEC & EPA

- Fire

Maximum Benefit (SGD) Maximum amount insured

Up to $30,000

Savings Account ATM Services Minimum Opening Amount Minimum Balance Internet Banking Facilities OTC withdrawal transactions per month

International (24 Hours) SGD500 SGD100 Available 1st to 10th visit Free (Subject to Bank's Discretion)

Interbank GIRO Transaction

1st to 5th transaction Free; 6th transaction onwards SGD 0.25 per transaction

Withdrawal Limits

Withdrawal limit of up to SGD1,000

Dividend/Hibah on savings (p.a.)

1.10% on savings

Crediting of Dividend/Hibah

Monthly basis

Eligibility † Age of 21 years and above † Open to all, irrespective of race or religion(individuals, joint, residents and non-residents) † Eligible for commercial and corporate customers Documents Required † Copy of NRIC (front and back) OR Passport † A photocopy of title deed, Sale and Purchase Agreement † A copy of valuation report (where required). The valuers must be approved or appointed by the bank

Forms not accompanied with required documents or incomplete information will not be processed. For more information, please call our Home Plus Consultant Team on 1800788-0098 or visit any of our branches today.