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  1. Loans and Mortgages
  2. Loans
  3. Debt Consolidation Plan Refinancing

Debt Consolidation Plan Refinancing

Get 5% cashback^ and also enjoy interest rates as low as 3.98% p.a. (EIR 7.70% p.a.)

Benefits
  • Enjoy competitive rates
    (EIR* from 7.70% p.a.)

  • Cashback upon approval

  • On interest charges

* Relevant terms and conditions apply. Receive a Platinum Mastercard Credit Card with annual fee perpetually waived.

Features

Manageable Repayment

Stretch your monthly repayments with loan tenures from 3 to 10 years.

Credit Card

Receive a Platinum Mastercard? Credit Card with ?a credit limit equivalent to your monthly salary for your daily use (Credit limit is shared across all existing credit card).

Annual Fee Waiver

Annual Fee perpetually waived for your Platinum Mastercard??Credit Card.
 
STANDARD CHARTERED DEBT CONSOLIDATION PLAN REFINANCING
EXISTING DEBT CONSOLIDATION PLAN GRANTED BY ANOTHER FINANCIAL INSTITUTION
Monthly Instalment S$913 S$1,058
Tenure 7 Years 7 Years
Interest Rate 3.98% p.a. (EIR** 7.70% p.a.) 6.88% p.a. (EIR* 11.97% p.a.)
Total Payable (without drawing new amounts) S$76,709 S$88,888
Interest Savings   (with Debt Consolidation Plan Refinancing) S$12,179
Wish to speak to us for more information? SMS LOAN< space >DCPINFO< space >NAME to 77222 for us to call you back.

1 The illustration is based on the assumption that: (a) the total outstanding balance of S$60,000 is subject to interest rates of 6.88% p.a. (EIR* from 11.97% p.a.) (b) no new amounts are drawn down; and (c) the total outstanding balance of S$60,000 is transferred to Standard Chartered Debt Consolidation Plan of a 7-year tenure and interest rate of 3.98% p.a. (EIR* from 7.70% p.a.). The interest rate offered to you is based on your personal credit profile as determined by us, and may differ from the published interest rate and the interest rate offered to other borrowers.

*For illustration, EIR is calculated based on average loan amount of S$60,000 and all instalment payments are paid by their respective due dates during the 7-year loan tenure.

**For illustration, EIR is calculated taking into consideration of S$199 joining fee and based on average loan amount of S$60,000 and all instalment payments are paid by their respective due dates during the 7-year loan tenure.

2The credit limit for the Platinum Mastercard Credit Card issued with Standard Chartered Debt Consolidation Plan is equivalent to your monthly salary as per the bank’s assessment with your latest income document.

Our Customer Terms, Current/Cheque/Savings Account and Time Deposit Terms, Personal Loan/Personal Line of Credit/Overdraft Terms, Credit Card Terms, Credit Card Tariff Sheet and Terms and Conditions Governing Debt Consolidation Facility apply.

Application Eligibility

  • Annual income: Between S$30,000 and S$120,000
  • Existing Debt Consolidation Plan granted by another financial institution
  • Age: 21 – 65 years

Application Documents

  • Copy of NRIC (front and back)
  • Latest bank statements of your outstanding unsecured credit facilities from your existing DCP financial institution
  • Settlement notice from your existing DCP financial institution
  • Copy of latest income documentations

For Salaried Employees and Partial Commission-Based Earners

(i) Latest computerised payslip OR
(ii) Latest 6 months’ CPF contribution history statement
To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment in addition to the above.

For 100% Commission-Based Earners

(i) Latest Income Tax Notice of Assessment OR
(ii) Latest 3 months’ commission statement from a single employer

For the Self-Employed

Latest Income Tax Notice of Assessment

Joining fee
$199

One time

Default interest (Effective Interest Rate – “EIR”) – minimum
26.9% p.a.

If payment is not received in full by the due date, finance charges will be calculated?on a daily basis at 0.074% from the respective transaction dates for all transactions?to the date the payment is received.

Annual fee (perpetually waived)
$192.60 (including GST)

For Standard Chartered Platinum Mastercard??Credit Card
Please click?here?for more information on the Platinum Mastercard??Credit Card,?including the applicable fees and charges (such as the finance charges and late payment fee)

Early redemption fee
$250

or 5% of the outstanding principal, whichever is higher.

Late payment
$80

If we do not receive the minimum payment as per indicated on your statements?by the due date, a late payment charge of $80 will be charged?to your Debt Consolidation Plan facility and/or?Platinum Mastercard??Credit Card respectively.

To refinance your existing DCP with SCB, click here

If you wish to speak to us for more information, you can SMS LOAN<space>DCR<space>NAME to 77222 for us to call you back.

To be eligible for DCP refinancing, you must:

  • be a Singapore Citizen or Permanent Resident;
  • earn between S$30,000 and below S$120,000 per annum
  • have an existing Debt Consolidation Plan granted by another financial institution
  • be aged 21 – 65 years old

We offer competitive interest rates with loan tenure from 3 – 10 years. The interest rate that we offer you is based on your personal credit profile as determined by us, and may differ from the published interest rate and the interest rate offered to other borrowers.

If you decide to pay off your loan early, there will be an early redemption fee of S$250 or 5% of your outstanding principal, whichever is higher.

For example, you borrowed S$60,000 and after a few years, you are left with an outstanding balance of S$10,000 before your loan tenure is up, you will have to pay an additional S$500, as the 5% fee is greater.

^The Debt Consolidation Plan Refinancing Cashback Promotion (“Promotion”)is valid from 1 July 2020 to 31 December 2020 (the “Promotion Period”). To qualify for the promotion, you must, during the Promotion Period, apply to refinance your existing Debt Consolidation Plan (granted by another financial institution) with Standard Chartered Bank (Singapore) Limited (the “Bank”) (such refinancing application to be referred to as “Application”) and the Bank must receive your Application during the Promotion Period. If you meet the eligibility requirements for this Promotion, you will receive a cashback of an amount equivalent to 5% of your approved loan amount (such cashback to be referred to as “Refinancing Cashback”). The Refinancing Cashback is non-redeemable for cash, non-transferable, non-assignable and non-exchangeable and will be credited to you within 50 working days from the date of approval of your Application provided always that your Debt Consolidation Loan Account (the “Account”) maintained with the Bank must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times. Debt Consolidation Plan Online Cashback Promotion Terms and Conditions apply. Click here for full terms and conditions.

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