JustHome-i - Frequently Asked Questions
1. |
Who is eligible for JustHome-i? |
|
| All Malaysians Muslim or non-Muslim who wish to: | ||
| • | Buy residential property that is completed or under construction. | |
| • | Refinance residential property that is completed. | |
2. |
How much can I borrow? |
|
| As with all loans, this amount will be subject to your ability to repay. It depends on your income and other financial commitments. | ||
3. |
How JustHome-i is differ from other Standard Chartered Housing Loan products? |
|
| • | It is based on Syariah principles. | |
| • | Based on buy and sell concept, which includes a profit margin agreed by both parties. | |
| • | Gives security of fixed ceiling rate to protect yourself from rising BLR rate. | |
4. |
What is the benefit that JustHome-i gives? |
|
| JustHome-i may shields you from the unexpected rate increase in BLR. With a fixed ceiling rate, you will enjoy the security of not paying more in the event where the rate goes beyond the ceiling rate. | ||
5. |
Will I be able to take a conventional housing loan if I want to? |
|
| Definitely. JustHome-i will not replace our conventional housing loans. We believe in giving our customers a wide range of loan options. | ||
6. |
Who can I contact to find out more? |
|
| Any of our Mortgage Sales Officers will be able to explain JustHome-i and tailor to suit your needs. You can request for a Mortgage Consultant to meet you by writing to us at Malaysia.Feedback@sc.com | ||
7. |
I am a 1st time homebuyer, is JustHome-i for me? |
|
| Because you’re a 1st time buyer, JustHome-i is ideal for you too. But first, do not be alarmed by the slightly higher interest as compared to the other banks. The flexibility outweighs the 1st year lower rates. Always remember that. As you will progress in life and career... use your savings, surplus cash, windfalls, bonuses, etc and place it in JustHome-i. | ||
8. |
I already have an existing housing loan and it is a hastle to change banks. |
|
| JustHome-i has help many of our customers like yourself to save. Our Mortgage Consultants can assist you to refinance with little hassle. What you need to do is start saving and get more flexibility on your mortgage. | ||
What You Can Do Next...
- Find out about eligibility requirements and documentation needed here
- Apply Now. Click here
to download our Application Form. Please visit your nearest branch
to
submit your completed form.
*Terms and conditions apply