Borrow

We offer a wide range of tailored mortgage plans for residential, commercial and industrial properties, all are designed to meet your financial needs.

• Residential Mortgages

  Applicable to purchasing of first-hand and second-hand properties, or refinancing of mortgage loan.

• Government Housing Scheme Mortgages

  Achieve your dream of home ownership with our mortgages dedicated to various government housing schemes.

• Mortgage Insurance Programme

  Lower your down payment on a house with mortgage loan ratios of up to 90%.

• Premium Mortgage

  Receive preferential interest returns to help offset your mortgage payments.

• Non- Residential Mortgages

  These mortgages are designed especially for commercial, industrial properties and shops.

• Fixed Rate Mortgage Scheme

  Provide homebuyers a choice of fixed interest rate period of 10, 15 and 20 years to mitigate risks arising from interest rate volatility.

Reminders about Responsible Borrowing

• You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
• You should have assessed your repayment ability and avoid over-borrowing.
• You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
• To borrow or not to borrow? Borrow only if you can repay!

Shanghai Commercial Bank ("the Bank") only accepts banking service application referred by appointed third parties, which the appointed third parties do not charge fees on customers. In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.