Great savings: We offer variable and semi-fixed rate housing loans with just a one-time processing fee. No hidden charges.
Tailored to your needs: You have a requirement, we have a product! Loans available for ready/under construction flat or house, home extension and renovation.
Flexible tenures: Standard Chartered offers home loans for salaried and self-employed customers with a wide range of tenure
Refinancing options: Stuck with a High Interest home loan? Transfer your existing loan to a lower interest Standard Chartered Bank Home Loan and save money
Details: Standard Chartered offers loans for salaried and self-employed individuals with a wide range of tenure, from 5 years to 25 years
Home Loan Protector is a product, which protects your family from the burden of repayment of the home loan in the unfortunate event of your death.
HHP plan combines property and home content insurance in one policy. You can choose to take insurance for combinations of these components or for a single component. Home contents offers insurance for the belongings of the customer inside the house. Home Protector covers the property from damage due to natural calamities.
Refinance your loan
As per Sec 24(b) of the Income Tax Act, 1961 a deduction up to Rs. 200,000/- towards the total interest payable on the home loan towards purchase / construction of house property can be claimed while computing the income from house property. (The deduction amount is Rs 30,000/- in case of loans taken prior to March 1, 1999). The interest payable for the pre-acquisition or pre-construction period would be deductible in five equal annual instalments commencing from the year in which the house has been acquired or constructed.
In case of self-occupied property, this deduction is allowed only for one such self-occupied property. The interest towards home loan taken for purchase, construction, repairs, renewal or reconstruction of house property is eligible for deduction under section 24(b).
As per Section 80C read with section 80CCE of the Income Tax Act, 1961 the principal repayment up to Rs. 150,000 on your home loan will be allowed as a deduction from the gross total income subject to fulfilment of prescribed conditions.
Top Up Loan
A Home Loan with Standard Chartered Bank lets you do more than just buy a home. We also offer our existing Home Loan customers a Top Up Loan, which is a loan facility over and above their existing loan. So, if you have taken a Home Loan with us and are now in need of additional funding, a Top Up Loan is the answer for you. Whether you want to buy a new home theatre system, renovate your home, or finance your child’s education, a top up on your Home Loan allows you to meet your needs at attractive interest rates.
* Other restrictions also apply
Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.
Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.
A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.
Running a business is not easy. You have to constantly think of ways and means to keep it going and growing. As a part of the growth plan, you require financing for expanding operations or to buy new equipment or inventory or simply increase the working capital. To help you with your financing needs we offer Business Loans that will help your business grow.
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