Borrow

Mortgages

Residential Mortgages

With flexible repayment period options, our residential mortgage loans help you purchase first-hand and second-hand residential properties, or refinance your mortgage to meet your individual needs.

To enhance customer protection and efficiency of payment (applicable to sales and purchase of second-hand residential properties and refinancing), Payment Arrangement for Property Transactions (PAPT) is now an available option. For details, please click here.

Key Features

Applicable to first-hand and second-hand residential properties and refinancing
Loan amount up to 70% of purchase price or appraised value, whichever is lower
Repayment period up to 30 years to lower your monthly payments

Key Facts Statement

For details, please click here

Mortgage Calculator

Related Products

We also provide a selection of home-related insurance and fire insurance products. Please contact us for details.

Remarks: The above information is for reference only. Shanghai Commercial Bank Limited ("the Bank") may at its absolute discretion approve or reject any loan application. The Bank also reserves the right to vary the above offers and/or amend the related terms and conditions at any time without prior notice.

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.