🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 153 (from laksa098)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa153.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.sc.com/sg/help/mortgage/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.sc.com/sg/help/mortgage/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.sc.com\/sg\/help\/mortgage\/","crawl_time":1775467343,"first_indexed_time":1602002847,"http_code":200,"src_unparsed":"com,sc!www,\/sg\/help\/mortgage\/ s443","src_root_hash":"14875485638662795753","history_drop_reason":null,"meta_title":"Help & FAQ – Mortgage - Standard Chartered Singapore","meta_descriptions":["FAQ & more info on mortgage related matters. Learn more about interest rates payments, SIBOR package rates, mortgage loan redemption & fire insurance."],"attrs_boilerpipe_text":"This is to inform that by clicking on the hyperlink, you will be\r\n                        leaving\nsc.com\/sg\nand entering a website operated by other parties.\nSuch links are only provided on our website for the convenience of\r\n                        the Client and Standard Chartered Bank does not control or endorse\r\n                        such websites, and is not responsible for their contents.\nThe use of such website is also subject to the terms of use and\r\n                        other terms and guidelines, if any, contained within each such\r\n                        website. In the event that any of the terms contained herein\r\n                        conflict with the terms of use or other terms and guidelines\r\n                        contained within any such website, then the terms of use and other\r\n                        terms and guidelines for such website shall prevail.\nThank you for visiting\nwww.sc.com\/sg\nProceed\nYou may check the amount by logging on to Online Banking \/ SC Mobile app or the CPF website with SingPass.\nTo make changes to your monthly CPF payment arrangements, please login to CPF website > ‘Tools and Services’ > ‘Forms and E-applications’ > ‘Manage CPF usage for your home’ > ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board.\nIf your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months.\nFor mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions.\nFor example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder.\nPlease refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change.\nOnline Banking and SC Mobile app\nStep 1: Log in to Online Banking or SC Mobile app\nStep 2: Under “Help & Services”, select “Mortgage Management”\nStep 3: Select “Mortgage Repricing”\nStep 4: Select the loan account\nStep 5: Review the request and click ‘Next’ to submit your request\nClick\nhere\nfor the full list of available Digital Services.\nEmail\nSimply email our Mortgage team at SG.MRU@sc.com\nRepricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing.\nRepricing could involve a repricing admin fee of about $1,000 whereas refinancing requires you to pay legal and valuation fees, usually above $2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money.\nRead More\nRead Less\n• Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S$10,000.\n• Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period.\n• To proceed with a redemption, click\nhere\nto retrieve a redemption form.\nYes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office.\n• You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice.\n• Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period.\n• To proceed with a redemption, click\nhere\nto retrieve a redemption form.\n• You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred.\nWe will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval.\nIn the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption.\nRead More\nRead Less\nA fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP).\nUnder the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected.\nAs the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection.\nSum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present)\nThe Sum Insured Value (SIV) is determined by the Bank.\nFor private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value.\nRead More\nRead Less\nClick\nhere\nfor the full list.\nYes, you may click\nhere\nfor more information.","attrs_markdown":"- [Personal](https:\/\/www.sc.com\/sg\/ \"Personal Banking\")\n- [Priority](https:\/\/www.sc.com\/sg\/priority\/ \"Priority Banking\")\n- [International](https:\/\/www.sc.com\/sg\/international-banking\/ \"International\")\n- [Business](https:\/\/www.sc.com\/sg\/business\/ \"Business\")\n- [Private](https:\/\/www.sc.com\/en\/wealth-retail-banking\/private-banking\/ \"Private\")\n\n- [Wealth Central](https:\/\/www.sc.com\/sg\/wealthcentral\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-wealth-central-acquisition-sc_com_organic-sg-en \"Wealth Central\")\n- [Referral Sign Up](https:\/\/www.sc.com\/sg\/promotions\/referral-signup\/ \"Referral Sign Up\")\n- [Search](https:\/\/www.sc.com\/sg\/search\/ \"Search\")\n- [Digital Banking](https:\/\/www.sc.com\/sg\/bank-with-us\/mobile-banking-services\/standard-chartered-mobile\/ \"Digital Banking\")\n\n[Standard Chartered](https:\/\/www.sc.com\/sg\/ \"Standard Chartered\")\n\n- Accounts & Deposits Savings, Fixed Deposits, Remittances\n  Accounts & Deposits\n  \n  [Everyday Use Bonus\\$aver Account Up to **7\\.05 %** p.a interest Choose how your money grows Get S\\$138 cashback when you sign up for a Bonus\\$aver Account and a Bonus\\$aver World Mastercard Credit Card. T\\&Cs apply.](https:\/\/www.sc.com\/sg\/save\/current-accounts\/bonussaver\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-bsaver-acquisition-sc_com_organic-sg-en \"Bonus$aver Account\")\n  \n  [Savings e\\$aver Account Earn up to **1\\.50%** p.a High yield savings account with the flexibility to access your cash at any time.](https:\/\/www.sc.com\/sg\/save\/savings-accounts\/esaver\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-esaver-acquisition-sc_com_organic-sg-en \"e$aver Account\")\n  \n  [Wealth Building Wealth \\$aver Account Up to **2\\.80%** p.a A Priority Banking account to help you grow your wealth Receive welcome gifts of up to **S\\$23,888** in value when you sign up for Priority Banking **\\+1%** Unlimited Cashback on your debit card](https:\/\/www.sc.com\/sg\/save\/current-accounts\/wealth-saver\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-wealth-saver-acquisition-sc_com_organic-sg-en \"Wealth Saver Account\")\n  \n  [Compare accounts and choose the one that best suits your needs View And Compare Accounts](https:\/\/www.sc.com\/sg\/save\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-CASA-acquisition-sc_com_organic-sg-en \"View And Compare Accounts\")\n  \n  Current and Savings\n  \n  - [First\\$aver Account The savings account for youths](https:\/\/www.sc.com\/sg\/save\/savings-accounts\/firstsaver\/ \"First$aver Account\")\n  - [USD\\$aver Account Earn up to 5.50% p.a. interest on your USD deposits with no lock-in period](https:\/\/www.sc.com\/sg\/save\/savings-accounts\/usdsaver\/ \"USD$aver Account\")\n  - [MyWay Savings Account Tailored for 55 years and above with up to 2.00% p.a. interest](https:\/\/www.sc.com\/sg\/save\/savings-accounts\/myway\/ \"MyWay Savings Account\")\n  \n  Time deposits\n  \n  - [SGD Time Deposit Earn high interest on your Singapore Dollar Time Deposit (Fixed Deposit)](https:\/\/www.sc.com\/sg\/save\/time-deposits\/singapore-dollar-time-deposit\/ \"SGD Time Deposit\")\n  - [FCY Time Deposit Earn high interest for your foreign currency](https:\/\/www.sc.com\/sg\/save\/time-deposits\/foreign-currency-time-deposits\/ \"FCY Time Deposit\")\n  ***\n  Services and Useful links\n  \n  - [SC Remit](https:\/\/www.sc.com\/sg\/bank-with-us\/remittance\/ \"SC Remit\")\n  - [Money Lock](https:\/\/www.sc.com\/sg\/bank-with-us\/money-lock\/ \"Money Lock\")\n  - [Manage Your Payments](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-payments\/ \"Manage Your Payments\")\n  - [SC EasyPay Instalments](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/easypay\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-sc_com_navmenuCASA-easypay_casa-acquisition-sc_com_navmenuCASA-sg-en \"SC EasyPay Instalments\")\n  - [eStatement & eAdvices](https:\/\/www.sc.com\/sg\/bank-with-us\/online-banking-services\/online-estatements\/ \"eStatement & eAdvices\")\n  - [Standard Chartered Mobile](https:\/\/www.sc.com\/sg\/bank-with-us\/mobile-banking-services\/standard-chartered-mobile\/ \"Standard Chartered Mobile\")\n  - [Frequently Asked Questions](https:\/\/www.sc.com\/sg\/help\/general-information\/ \"Frequently Asked Questions\")\n  - [Pricing Guide](https:\/\/www.sc.com\/sg\/pricing-guide\/ \"Pricing Guide\")\n  \n  [Get S\\$138 cashback with Bonus\\$aver. Offer valid from 1 April – 31 May 2026. T\\&Cs apply. View More ![Promo](https:\/\/av.sc.com\/sg\/content\/images\/nav-promo-1.png)](https:\/\/www.sc.com\/sg\/save\/current-accounts\/bonussaver\/ \"View more\")\n- Credit Cards Cashback Rewards, EasyPay\n  Credit Cards\n  \n  [Cashback Simply Cash Credit Card Earn **1\\.5 %** Cashback on all spends. Get S\\$710 worth of Welcome Gifts. ![Simply Cash Credit Card](https:\/\/av.sc.com\/sg\/content\/images\/sg-simply-cash-cards-webpage-360-X-360-AT.png)](https:\/\/www.sc.com\/sg\/credit-cards\/simply-cash-credit-card\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-simplycash_cc-acquisition-sc_com_organic-sg-en \"Simply Cash Credit Card\")\n  \n  [Miles Beyond Credit Card Earn beyond **1** million miles when you spend with us, grow your wealth with us and refer your loved ones. ![Beyond Credit Card](https:\/\/av.sc.com\/sg\/content\/images\/sg-beyongcard_card_face-new.png)](https:\/\/www.sc.com\/sg\/credit-cards\/beyond-credit-card\/ \"Beyond Credit Card\")\n  \n  [Miles Journey Credit Card Earn up to **3** miles per S\\$1 spend Get up to 30,000 Welcome Miles. ![Journey Credit Card](https:\/\/av.sc.com\/sg\/content\/images\/sg-journey-card-440x280px.png)](https:\/\/www.sc.com\/sg\/credit-cards\/journey-credit-card\/ \"Journey Credit Card\")\n  \n  [Compare credit cards and choose the one that best suits your needs View and Compare All Cards](https:\/\/www.sc.com\/sg\/credit-cards\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-CC-acquisition-sc_com_organic-sg-en \"View and Compare All Cards\")\n  \n  CREDIT CARD PROMOTIONS\n  \n  - [Lifestyle Offers - The Good Life](https:\/\/www.sc.com\/sg\/promotions\/the-good-life-privileges\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-CC-acquisition-sc_com_organic-sg-en \"Lifestyle Offers - The Good Life \")\n  - [SC Shop and Earn](https:\/\/www.sc.com\/sg\/shopandearn\/ \"SC Shop and Earn\")\n  \n  CREDIT CARD FEATURES\n  \n  - [SC Instalment Payment Plan](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/ipp\/ \"SC Instalment Payment Plan\")\n  - [SC EasyPay Instalments](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/easypay\/ \"SC EasyPay Instalments\")\n  - [SC EasyBill Payments](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/easybill\/ \"SC EasyBill Payments\")\n  - [Credit Card Credit Limit Review](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/credit-limit-review\/ \"Credit Card Credit Limit Review \")\n  - [Temporary Credit Limit Increase](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-finances\/temporary-credit-limit-increase\/ \"Temporary Credit Limit Increase\")\n  - [360° Rewards Redemption](https:\/\/www.sc.com\/sg\/rewards-programmes\/360-rewards-redemption\/ \"360° Rewards Redemption\")\n  ***\n  Credit Card Services\n  \n  - [Card Activation](https:\/\/www.sc.com\/sg\/help\/activate-card\/ \"Card Activation \")\n  - [Supplementary Card](https:\/\/av.sc.com\/sg\/content\/docs\/sg-supplementary-card-mobile-update-form-1.pdf \"Supplementary Card\")\n  - [E-Statement](https:\/\/www.sc.com\/sg\/bank-with-us\/online-banking-services\/online-estatements\/ \"E-Statement\")\n  - [Card Payment Method](https:\/\/www.sc.com\/sg\/bank-with-us\/manage-your-payments\/ \"Card Payment Method \")\n  - [Card Replacement](https:\/\/www.sc.com\/sg\/bank-with-us\/service-requests\/card-replacement\/ \"Card Replacement\")\n  - [Lost Card](https:\/\/www.sc.com\/sg\/help\/lost-card\/ \"Lost Card\")\n  - [Fraud & Scam](https:\/\/www.sc.com\/sg\/fraud-scam\/ \"Fraud & Scam\")\n  - [Pricing Guide](https:\/\/www.sc.com\/sg\/pricing-guide\/ \"Pricing Guide \")\n- Borrow Personal Loans, Funds Transfer, Home Loan, Debt Consolidation\n  Borrow\n  \n  [Low-Interest Rate CashOne Personal Loan L from **1\\.00%** p.a. (EIR from 1.94% p.a.) Tenures from 1 to 5 years Instant approval and disbursement to bank account of choice Up to 3.00% cashback (up to S\\$7,500)](https:\/\/www.sc.com\/sg\/borrow\/loans\/cashone\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-cashone_pl-acquisition-sc_com_organic-sg-en \"CashOne Personal Loan\")\n  \n  [Interest-Free Credit Card Funds Transfer **0%** interest From 0.90% processing fees (EIR from 2.06% p.a.) Tenures of 3, 6, 9 and 12 months Instant approval and disbursement to bank account of choice](https:\/\/www.sc.com\/sg\/borrow\/loans\/balance-transfer\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-CCFT-acquisition-sc_com_organic-sg-en \"Credit Card Funds Transfer\")\n  \n  [Cashback Debt Consolidation Plan From **3\\.48 %** p.a (EIR from 6.33% p.a.) Enjoy low interest rate when you consolidate your repayments into one easy plan Tenures from 3 to 10 years](https:\/\/www.sc.com\/sg\/borrow\/loans\/debt-consolidation\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-debt_consolidation-acquisition-sc_com_organic-sg-en \"Debit Consolidation Plan\")\n  \n  Looking for a loan for\n  \n  - [Money Management ![Money management illustration](https:\/\/av.sc.com\/sg\/content\/images\/money-management-illustration.png)](https:\/\/www.sc.com\/sg\/borrow\/money-management \"Money Management\")\n  - [Home Renovation ![Home renovation](https:\/\/av.sc.com\/sg\/content\/images\/home-renovation-illustration.png)](https:\/\/www.sc.com\/sg\/borrow\/renovation\/ \"Home Renovation\")\n  - [Parenthood ![Parenthood](https:\/\/av.sc.com\/sg\/content\/images\/supporting-parenthood-illustration.png)](https:\/\/www.sc.com\/sg\/borrow\/parenthood\/ \"Parenthood\")\n  - [Travel ![promo](https:\/\/av.sc.com\/sg\/content\/images\/travel-illustration.png)](https:\/\/www.sc.com\/sg\/borrow\/travel\/ \"Travel\")\n  ***\n  Home & Property Loans\n  \n  - [Mortgage Complete your mortgage application Received an email invite or have a pending application? Complete any digital application from our Mortgage Specialists or referral partners here.](https:\/\/ob.sc.com\/sg\/ml\/resume.html \"Complete your mortgage application\")\n  - [Mortgage Mortgage One Reduce your mortgage loan interest the smart way Offset your mortgage loan interest while you save](https:\/\/www.sc.com\/sg\/borrow\/mortgages\/mortgageone\/?intcid=web_listing-sc_com_top_nav-homepg1-staticmedia_others-sng-homepage_new-mortgage_one-acquisition-sc_com_organic-sg-en \"MortgageOne\")\n  - [Home Suite Build your home with a bundle of perks](https:\/\/www.sc.com\/sg\/borrow\/mortgages\/home-suite\/ \"Home Suite\")\n  - [Green Mortgage Make a positive impact on society and the environment](https:\/\/www.sc.com\/sg\/borrow\/mortgages\/green-mortgage\/ \"Green Mortgage\")\n  - [Loan Repricing Enjoy lower interest rates for your mortgage loan because we value your relationship with us](https:\/\/www.sc.com\/sg\/borrow\/mortgages\/loanrepricing\/ \"Loan Repricing\")\n  \n  [Compare and view all loans](https:\/\/www.sc.com\/sg\/borrow\/ \"View all loans\")\n- Investment Unit Trusts, Online Trading, Live FX, Wealth Insights\n  Investment\n  \n  [Invest in Equities Online Trading Account Brokerage rates from as low as **0\\.18%** when you trade ETFs, REITs, and shares online Access US equities and 14 global exchanges on the go](https:\/\/www.sc.com\/sg\/wealth\/investment\/online-trading\/?intcid=web_listing-sc_com_masthead-homepg1-staticmedia_banner-sng-homepage_new-online_trading-acquisition-sc_com_organic-sg-en \"Online Trading Account\")\n  \n  [Invest in Mutual Funds Unit Trust Account **1\\.5%** sales charge when you invest in unit trusts online Diversify your portfolio with over 150 fund offerings](https:\/\/www.sc.com\/sg\/wealth\/investment\/unit-trusts\/?intcid=web_listing-sc_com_masthead-homepg1-staticmedia_banner-sng-homepage_new-unit_trust-acquisition-sc_com_organic-sg-en \"Unit Trust Account\")\n  \n  [Exchange Foreign Currency LiveFX Competitive real-time currency rates when you convert your funds Capture market opportunities with countless pairing possibilities](https:\/\/www.sc.com\/sg\/wealth\/investment\/livefx\/?intcid=web_listing-sc_com_masthead-homepg1-staticmedia_banner-sng-homepage_new-livefx-acquisition-sc_com_organic-sg-en \"LiveFX\")\n  \n  Choose the one that best suits your needs\n  \n  [View all Wealth Solutions](https:\/\/www.sc.com\/sg\/wealth\/?intcid=web_listing-sc_com_masthead-homepg1-staticmedia_banner-sng-homepage_new-Invest-acquisition-sc_com_organic-sg-en \"View all Wealth Solutions\")\n  \n  Tools and insights to support your financial decisions\n  \n  - [Wealth Insights Access our curated reads to help you make informed financial decisions](https:\/\/www.sc.com\/sg\/wealth\/insights\/ \"Wealth Insights\")\n  - [Interactive Funds Library Gain access to research, fund comparisons and fund-factsheets at a touch](https:\/\/www.sc.com\/sg\/investment\/funds\/ \"Interactive Funds Library\")\n  - [Market Views On-The-Go Tap into our global resources to analyse the financial markets around the world](https:\/\/www.sc.com\/sg\/market-outlook\/?intcid=web&lang=en&ctry=sg&seg=GWm&channel=PLRB \"Market Views On-The-Go\")\n  - [myWealth Advisor Access expert analysis and insights tailored to your wealth goals with our personalised investment planning tool](https:\/\/www.sc.com\/sg\/wealth\/mywealth-advisor\/ \"myWealth Advisor\")\n  - [SC Money Insights Tune into our podcast series for the latest market views-on-the-go](https:\/\/feeds.buzzsprout.com\/1662247.rss\/ \"SC Money Insights\")\n  ***\n  NEW OFFERS\n  \n  - [New to Online Trading](https:\/\/www.sc.com\/sg\/wealth\/investment\/online-trading\/ \"New to Online Trading\")\n  - [New to Unit Trusts](https:\/\/www.sc.com\/sg\/wealth\/investment\/unit-trusts\/ \"New to Unit Trusts\")\n  \n  INVESTMENT RESOURCES\n  \n  - [SC Wealth Select Plan your wealth for today, tomorrow and forever with our investment planning framework](https:\/\/www.sc.com\/sg\/wealth\/sc-wealth-select\/ \"SC Wealth Select\")\n  - [Fund Select Funds Quality funds with potential to add value to your portfolio](https:\/\/av.sc.com\/sg\/content\/docs\/sg-scb-fund-select-list.pdf \"Fund Select Funds\")\n  - [Accredited Investors Access bespoke product offerings and preferential rates for leverage financing](https:\/\/www.sc.com\/sg\/wealth\/accredited-investor\/ \"Accredited Investors\")\n  \n  [![navbar-box-img](https:\/\/av.sc.com\/sg\/content\/images\/sg-sc-Invest-nav-promotion_770_450.png) SC Invest - Start from S\\$1,000 Guided by our experts to achieve your wealth goals. 0% sales charge for a limited time. 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In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.\n\nThank you for visiting [www.sc.com\/sg](https:\/\/www.sc.com\/sg \"Standard Chartered SG\")\n\n[Proceed](https:\/\/www.sc.com\/sg\/help\/mortgage\/ \"Proceed\")\n\n## How can we help you today?\n[Open an Account](https:\/\/www.sc.com\/sg\/find\/?referId=pb-casa \"Open an Account\")\n\n[Apply for a Credit Card](https:\/\/www.sc.com\/sg\/find\/?referId=pb-cc \"Apply for a Credit Card\")\n\n[Take up a Loan](https:\/\/www.sc.com\/sg\/help\/mortgage\/#null \"Take up a Loan\")\n\n[Grow my Wealth](https:\/\/www.sc.com\/sg\/find\/?referId=pb-invest \"Grow my Wealth\")\n\n[Sign-up for Insurance](https:\/\/www.sc.com\/sg\/find\/?referId=pb-insure \"Sign-up for Insurance\")\n\n## What kind of loan are you looking for?\n[CashOne Personal Loan](https:\/\/www.sc.com\/sg\/find\/?referId=pb-pl-cashone \"CashOne Personal Loan\")\n\n[Debt Consolidation Plan](https:\/\/www.sc.com\/sg\/find\/?referId=pb-pl-dcp \"Debt Consolidation Plan\")\n\n[Credit Card Funds Transfer](https:\/\/www.sc.com\/sg\/find\/?referId=pb-pl-ccft \"Credit Card Funds Transfer\")\n\n![sg-masthead-desktop-help.jpg](https:\/\/av.sc.com\/sg\/content\/images\/sg-masthead-desktop-help.jpg)\n\n1. [Help Centre](https:\/\/www.sc.com\/sg\/help\/ \"Go to Help Centre.\")\n2. Mortgage\n# Get help on Mortgage matters\n\n### Frequently Asked Questions\n### Interest Rates and Payment\nHow much am I paying every month for my mortgage loan through my CPF and can I increase\/reduce the amount?\n\nYou may check the amount by logging on to Online Banking \/ SC Mobile app or the CPF website with SingPass.\n\nTo make changes to your monthly CPF payment arrangements, please login to CPF website \\> ‘Tools and Services’ \\> ‘Forms and E-applications’ \\> ‘Manage CPF usage for your home’ \\> ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board.\n\nHow often do the rates of SORA packages change and will I be notified of the changes if any?\n\nIf your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months.\n\nFor mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions.\n\nFor example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder.\n\nPlease refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change.\n\nHow do I request for a repricing of my interest rates?\n\n**Online Banking and SC Mobile app**  \n Step 1: Log in to Online Banking or SC Mobile app  \n Step 2: Under “Help & Services”, select “Mortgage Management”  \n Step 3: Select “Mortgage Repricing”  \n Step 4: Select the loan account  \n Step 5: Review the request and click ‘Next’ to submit your request\n\nClick [here](https:\/\/www.sc.com\/sg\/bank-with-us\/service-requests\/) for the full list of available Digital Services.\n\n**Email**  \n Simply email our Mortgage team at SG.MRU@sc.com\n\nWhy should I reprice my mortgage loan instead of refinancing it?\n\nRepricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing.\n\nRepricing could involve a repricing admin fee of about \\$1,000 whereas refinancing requires you to pay legal and valuation fees, usually above \\$2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money.\n\nI am facing financial difficulties repaying my monthly instalment for Mortgage Loan. Are there any other repayment options?\n\nWe hear you. Please reach out to us at +65 5081900 or email us at [SG.COLL-IB@sc.com](mailto:SG.COLL-IB@sc.com) , we would be happy to discuss the repayment options for your mortgage loan.\n\nRead More Read Less\n\n### Loan Redemption\nHow do I serve partial redemption and is there any cost involved?\n\n• Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S\\$10,000.\n\n• Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period.\n\n• To proceed with a redemption, click [here](https:\/\/av.sc.com\/sg\/content\/docs\/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form.\n\nCan I make payment via partial redemption using CPF?\n\nYes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office.\n\nHow do I serve full redemption and what are the costs involved?\n\n• You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice.\n\n• Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period.\n\n• To proceed with a redemption, click [here](https:\/\/av.sc.com\/sg\/content\/docs\/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form.\n\n• You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred.\n\nWho will appoint the lawyer for the full redemption?\n\n- We will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval.\n- In the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption.\n\nIs there any cost\/fee involved for the full redemption?\n\n• When you redeem your Mortgage Facilities, you will have to pay all fees (such as legal fees, including our legal fees and discharge of mortgage) relating to the discharge of the Mortgage Property. These fees will be billed directly to you by the chosen law firm. The legal fees for the discharge of property typically ranges from S\\$900 to S\\$1,200.\n\n• The range given is only an indicative amount. Please check with the law firm directly for the actual costs before proceeding.\n\nWhen will I be able to receive the title deed after redeeming the loan?\n\nThe Singapore Land Authority typically takes 3 weeks to 1 month to release the title deed to the lawyer. Thereafter, the lawyer should contact you for collection within a week.\n\nRead More Read Less\n\n### Fire Insurance\nWhat is a fire insurance?\n\nA fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP).\n\nMy condominium\/apartment unit Management Corporation Strata-titled already has a fire insurance. Isn’t MIP a duplication of coverage?\n\nUnder the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected.\n\nAs the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection.\n\nWhat is Sum Insured?\n\nSum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present)\n\nHow is the Sum Insured Value (SIV) determined?\n\nThe Sum Insured Value (SIV) is determined by the Bank.  \n For private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value.\n\nCan I use an insurance company of my choice?\n\nYes. However, any request for a change in insurance company is subject to our approval. Please notify us about your intention to use your own insurance company.\n\nWhat do I need to take note of for a self-arranged fire insurance?\n\nYou will need to provide the following documents to us 5 business days before the expiry of your insurance policy :\n\na. The original copy of a signed letter of undertaking for our safe-keeping  \n b. The original fire insurance policy, with  \n i) Us (the Bank) stated as the Mortgagee;  \n ii) A non-cancellation clause stating that we must be informed by the insurer prior to  \n any cancellation or any material changes proposed to be made to the policy; and  \n iii) the original receipt showing the premium was paid\n\nNote: If the documents listed above are not furnished to us before the expiry of your insurance policy, the Bank will instruct Allianz Global Corporate & Specialty SE Singapore Branch to effect the fire insurance for you.\n\nPlease also note that there is an upfront administration fee of S\\$100. Thereafter, an annual administration fee of S\\$100 will be charged.\n\nWhy is a MIP required?\n\nIt is required because if there is a failure to service your loan as a result of damage to the mortgaged home, the bank can make a claim against the insurer on the MIP. The homeowner will remain liable for the outstanding property loan amount to the MIP Insurer.\n\nRead More Read Less\n\n### Glossary\nIs there a glossary list on the terms used?\n\nClick [here](https:\/\/www.sc.com\/sg\/help\/faqs\/home-loans-glossary\/) for the full list.\n\nIs there a Chinese translation on the key mortgage related terms?\n\nYes, you may click [here](https:\/\/av.sc.com\/sg\/content\/docs\/mortgage-impt-info-chinese.pdf) for more information.\n\n© Standard Chartered Bank (Singapore) Limited \\| Reg no. 201224747C   [Sitemap](https:\/\/www.sc.com\/sg\/sitemap\/ \"Site map\")\n\n- [About Us](https:\/\/www.sc.com\/sg\/about-us\/ \"About Us\")\n- [Bank with us](https:\/\/www.sc.com\/sg\/bank-with-us\/ \"Bank with us\")\n- [ATMs & Branches](https:\/\/www.sc.com\/sg\/atm-branch-locator\/ \"ATMs & Branches\")\n- [Get Help](https:\/\/www.sc.com\/sg\/help\/ \"Get Help\")\n- [FAQ](https:\/\/www.sc.com\/sg\/help\/#faq \"FAQ\")\n- [Forms and 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other parties.\n\nSuch links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.\n\nThe use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.\n\nThank you for visiting [www.sc.com\/sg](https:\/\/www.sc.com\/sg \"Standard Chartered SG\")\n\n[Proceed](https:\/\/www.sc.com\/sg\/help\/mortgage\/ \"Proceed\")\n\nYou may check the amount by logging on to Online Banking \/ SC Mobile app or the CPF website with SingPass.\n\nTo make changes to your monthly CPF payment arrangements, please login to CPF website \\> ‘Tools and Services’ \\> ‘Forms and E-applications’ \\> ‘Manage CPF usage for your home’ \\> ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board.\n\nIf your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months.\n\nFor mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions.\n\nFor example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder.\n\nPlease refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change.\n\n**Online Banking and SC Mobile app**  \n Step 1: Log in to Online Banking or SC Mobile app  \n Step 2: Under “Help & Services”, select “Mortgage Management”  \n Step 3: Select “Mortgage Repricing”  \n Step 4: Select the loan account  \n Step 5: Review the request and click ‘Next’ to submit your request\n\nClick [here](https:\/\/www.sc.com\/sg\/bank-with-us\/service-requests\/) for the full list of available Digital Services.\n\n**Email**  \n Simply email our Mortgage team at SG.MRU@sc.com\n\nRepricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing.\n\nRepricing could involve a repricing admin fee of about \\$1,000 whereas refinancing requires you to pay legal and valuation fees, usually above \\$2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money.\n\nRead More Read Less\n\n• Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S\\$10,000.\n\n• Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period.\n\n• To proceed with a redemption, click [here](https:\/\/av.sc.com\/sg\/content\/docs\/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form.\n\nYes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office.\n\n• You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice.\n\n• Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period.\n\n• To proceed with a redemption, click [here](https:\/\/av.sc.com\/sg\/content\/docs\/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form.\n\n• You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred.\n\n- We will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval.\n- In the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption.\n\nRead More Read Less\n\nA fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP).\n\nUnder the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected.\n\nAs the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection.\n\nSum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present)\n\nThe Sum Insured Value (SIV) is determined by the Bank.  \n For private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value.\n\nRead More Read Less\n\nClick [here](https:\/\/www.sc.com\/sg\/help\/faqs\/home-loans-glossary\/) for the full list.\n\nYes, you may click [here](https:\/\/av.sc.com\/sg\/content\/docs\/mortgage-impt-info-chinese.pdf) for more information.","meta_canonical":null}

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URL	https://www.sc.com/sg/help/mortgage/
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Meta Title	Help & FAQ – Mortgage - Standard Chartered Singapore
Meta Description	FAQ & more info on mortgage related matters. Learn more about interest rates payments, SIBOR package rates, mortgage loan redemption & fire insurance.
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Boilerpipe Text	This is to inform that by clicking on the hyperlink, you will be leaving sc.com/sg and entering a website operated by other parties. Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents. The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail. Thank you for visiting www.sc.com/sg Proceed You may check the amount by logging on to Online Banking / SC Mobile app or the CPF website with SingPass. To make changes to your monthly CPF payment arrangements, please login to CPF website > ‘Tools and Services’ > ‘Forms and E-applications’ > ‘Manage CPF usage for your home’ > ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board. If your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months. For mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions. For example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder. Please refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change. Online Banking and SC Mobile app Step 1: Log in to Online Banking or SC Mobile app Step 2: Under “Help & Services”, select “Mortgage Management” Step 3: Select “Mortgage Repricing” Step 4: Select the loan account Step 5: Review the request and click ‘Next’ to submit your request Click here for the full list of available Digital Services. Email Simply email our Mortgage team at SG.MRU@sc.com Repricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing. Repricing could involve a repricing admin fee of about $1,000 whereas refinancing requires you to pay legal and valuation fees, usually above $2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money. Read More Read Less • Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S$10,000. • Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period. • To proceed with a redemption, click here to retrieve a redemption form. Yes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office. • You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice. • Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period. • To proceed with a redemption, click here to retrieve a redemption form. • You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred. We will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval. In the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption. Read More Read Less A fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP). Under the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected. As the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection. Sum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present) The Sum Insured Value (SIV) is determined by the Bank. For private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value. Read More Read Less Click here for the full list. Yes, you may click here for more information.
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Mortgage # Get help on Mortgage matters ### Frequently Asked Questions ### Interest Rates and Payment How much am I paying every month for my mortgage loan through my CPF and can I increase/reduce the amount? You may check the amount by logging on to Online Banking / SC Mobile app or the CPF website with SingPass. To make changes to your monthly CPF payment arrangements, please login to CPF website \> ‘Tools and Services’ \> ‘Forms and E-applications’ \> ‘Manage CPF usage for your home’ \> ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board. How often do the rates of SORA packages change and will I be notified of the changes if any? If your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months. For mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions. For example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder. Please refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change. How do I request for a repricing of my interest rates? Online Banking and SC Mobile app Step 1: Log in to Online Banking or SC Mobile app Step 2: Under “Help & Services”, select “Mortgage Management” Step 3: Select “Mortgage Repricing” Step 4: Select the loan account Step 5: Review the request and click ‘Next’ to submit your request Click [here](https://www.sc.com/sg/bank-with-us/service-requests/) for the full list of available Digital Services. Email** Simply email our Mortgage team at SG.MRU@sc.com Why should I reprice my mortgage loan instead of refinancing it? Repricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing. Repricing could involve a repricing admin fee of about \$1,000 whereas refinancing requires you to pay legal and valuation fees, usually above \$2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money. I am facing financial difficulties repaying my monthly instalment for Mortgage Loan. Are there any other repayment options? We hear you. Please reach out to us at +65 5081900 or email us at [SG.COLL-IB@sc.com](mailto:SG.COLL-IB@sc.com) , we would be happy to discuss the repayment options for your mortgage loan. Read More Read Less ### Loan Redemption How do I serve partial redemption and is there any cost involved? • Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S\$10,000. • Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period. • To proceed with a redemption, click [here](https://av.sc.com/sg/content/docs/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form. Can I make payment via partial redemption using CPF? Yes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office. How do I serve full redemption and what are the costs involved? • You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice. • Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period. • To proceed with a redemption, click [here](https://av.sc.com/sg/content/docs/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form. • You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred. Who will appoint the lawyer for the full redemption? - We will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval. - In the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption. Is there any cost/fee involved for the full redemption? • When you redeem your Mortgage Facilities, you will have to pay all fees (such as legal fees, including our legal fees and discharge of mortgage) relating to the discharge of the Mortgage Property. These fees will be billed directly to you by the chosen law firm. The legal fees for the discharge of property typically ranges from S\$900 to S\$1,200. • The range given is only an indicative amount. Please check with the law firm directly for the actual costs before proceeding. When will I be able to receive the title deed after redeeming the loan? The Singapore Land Authority typically takes 3 weeks to 1 month to release the title deed to the lawyer. Thereafter, the lawyer should contact you for collection within a week. Read More Read Less ### Fire Insurance What is a fire insurance? A fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP). My condominium/apartment unit Management Corporation Strata-titled already has a fire insurance. Isn’t MIP a duplication of coverage? Under the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected. As the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection. What is Sum Insured? Sum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present) How is the Sum Insured Value (SIV) determined? The Sum Insured Value (SIV) is determined by the Bank. For private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value. Can I use an insurance company of my choice? Yes. However, any request for a change in insurance company is subject to our approval. Please notify us about your intention to use your own insurance company. What do I need to take note of for a self-arranged fire insurance? You will need to provide the following documents to us 5 business days before the expiry of your insurance policy : a. The original copy of a signed letter of undertaking for our safe-keeping b. The original fire insurance policy, with i) Us (the Bank) stated as the Mortgagee; ii) A non-cancellation clause stating that we must be informed by the insurer prior to any cancellation or any material changes proposed to be made to the policy; and iii) the original receipt showing the premium was paid Note: If the documents listed above are not furnished to us before the expiry of your insurance policy, the Bank will instruct Allianz Global Corporate & Specialty SE Singapore Branch to effect the fire insurance for you. Please also note that there is an upfront administration fee of S\$100. Thereafter, an annual administration fee of S\$100 will be charged. Why is a MIP required? It is required because if there is a failure to service your loan as a result of damage to the mortgaged home, the bank can make a claim against the insurer on the MIP. The homeowner will remain liable for the outstanding property loan amount to the MIP Insurer. Read More Read Less ### Glossary Is there a glossary list on the terms used? Click [here](https://www.sc.com/sg/help/faqs/home-loans-glossary/) for the full list. Is there a Chinese translation on the key mortgage related terms? 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Readable Markdown	This is to inform that by clicking on the hyperlink, you will be leaving [sc.com/sg](https://www.sc.com/sg "Standard Chartered SG") and entering a website operated by other parties. Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents. The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail. Thank you for visiting [www.sc.com/sg](https://www.sc.com/sg "Standard Chartered SG") [Proceed](https://www.sc.com/sg/help/mortgage/ "Proceed") You may check the amount by logging on to Online Banking / SC Mobile app or the CPF website with SingPass. To make changes to your monthly CPF payment arrangements, please login to CPF website \> ‘Tools and Services’ \> ‘Forms and E-applications’ \> ‘Manage CPF usage for your home’ \> ‘Apply Online’. It typically takes 1 working day for the CPF board to effect the revised amount. For more information, please contact the CPF board. If your mortgage loan is based on the 3-month Compounded SORA, your interest rate will be repriced on the 1st business day every three months. For mortgages on 3-Month Compounded SORA packages, you should get a letter or eAdvice from the Bank every 3 months updating you of any rate changes and the monthly instalment will only take effect in 2 months’ time which will enable you to make any changes to your existing standing instructions. For example, if there is a change of interest rate on 1 March 2022, you will receive the first notice in March. However, the change in monthly instalment amount will only take effect on 1 May 2022 to give you time to change any standing instructions you may have. Any subsequent notices will only serve as a reminder. Please refer to your Base Rate Change Letter for the full information on the effective date of your interest rate and monthly instalment amount change. Online Banking and SC Mobile app Step 1: Log in to Online Banking or SC Mobile app Step 2: Under “Help & Services”, select “Mortgage Management” Step 3: Select “Mortgage Repricing” Step 4: Select the loan account Step 5: Review the request and click ‘Next’ to submit your request Click [here](https://www.sc.com/sg/bank-with-us/service-requests/) for the full list of available Digital Services. Email Simply email our Mortgage team at SG.MRU@sc.com Repricing allows you to enjoy the new loan package within a month, while refinancing typically takes about 3 months. This means you could start enjoying interest savings earlier when you opt for repricing. Repricing could involve a repricing admin fee of about \$1,000 whereas refinancing requires you to pay legal and valuation fees, usually above \$2,000. The engagement of law firm and valuation company will not be required if you choose to reprice, which saves you valuable time and money. Read More Read Less • Your mortgage loan can be redeemed in part, either by serving us a 1-month notice in writing or paying 1 month’s interest in lieu of notice. Your partial prepayment must also be a minimum of S\$10,000. • Please note that there will be a 1.50% partial redemption fee payable on the amount of the Mortgage Facilities prepaid during the Lock-In Period. • To proceed with a redemption, click [here](https://av.sc.com/sg/content/docs/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form. Yes, you may redeem your loan in part using CPF and there will not be a requirement to serve a 1-month notice in writing. You can proceed to put forth the instruction via the CPF website using your SingPass or visit any CPF branch office. • You may redeem your loan in full by serving us a 2 month’s notice in writing or 2 month’s interest in lieu of notice. • Please note that there will be a 1.50% full redemption fee payable on the amount of the Mortgage Facilities redeemed during the Lock-In Period. • To proceed with a redemption, click [here](https://av.sc.com/sg/content/docs/sg-loan-change-request-form-sep.pdf) to retrieve a redemption form. • You may use CPF to redeem your loan in full. However, 2 month’s notice in writing will still need to be served to us. Otherwise, a 2 month’s interest in lieu of notice will be incurred. - We will appoint a law firm to process the full redemption if you have not done so. If you prefer to appoint your own law firm, please note that your choice of law firm is subject to our approval. - In the event that your appointed lawyer(s) are not in our panel list, you may incur additional costs – as you will have to bear the fees of both your and our lawyers for the full redemption. Read More Read Less A fire insurance for a residential property provides coverage against the loss or damage to the insured property as a result of fire and extraneous perils as stated in the policy. The policy is commonly referred to as Mortgagee Interest Policy (MIP). Under the Land Titles (Strata) Act (Chapter 158), the Management Corporation of the property (MCST) must insure “Damage Policy”, a fire insurance policy which ensures that the entire development, including its common property is protected. As the Damage Policy and MIP serve different protection needs and purposes, there is no duplication of protection. Sum insured is the reinstatement cost needed to rebuild a home after a fire, and not the market value of the property. (The land value is not included because in the event of a total loss, the land will still be present) The Sum Insured Value (SIV) is determined by the Bank. For private apartments with strata-title, SIV is based on the reinstatement value or outstanding loan amount, whichever is lower. For private apartments without strata-titled & landed property, SIV is based on the reinstatement value. Read More Read Less Click [here](https://www.sc.com/sg/help/faqs/home-loans-glossary/) for the full list. Yes, you may click [here](https://av.sc.com/sg/content/docs/mortgage-impt-info-chinese.pdf) for more information.
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