Home Equity Loan

Renovate, expand or invest further...

You can leverage your existing property into a ready source of funds which can be used for your personal expenses like renovating your property, supporting your loved ones’ educations, purchasing a vehicle, or starting a new business.

Features & Benefits

  • Comprehensive consultation from our professional and experience specialist
  • Loan up to 80% of property value
  • Loan tenor up to 15 years
  • Transparent fees and charges
  • Fast and hassle-free application process
     

Interest Rate & Fee Charge

Interest rate9% p.a.
Loan approval fee1% of loan amount
Minimum loan amountUSD 21,000
Maximum loan amountUp to 80% of the property valuation or USD1.5M (whichever is lower)
Maximum loan term15 years
Early repayment fee3% for lump sum payment within lock-in period
Redraw feeUSD 100
One-off associated costs
(payable when Letter of Offer is issued)		Property valuation: USD 150- USD 250
Legal fee: USD 200
Collateral title deed registration:  starts from USD185*
*Charge is dependent on where the property is located.
Other one-off associated costsFire insurance (must be renewed annually)

Requirement / How To Apply

To apply, kindly visit the nearest J Trust Royal branch or call our home loan hotlines on 078 222 082 or 078 222 086

For more information:

  • Read our guide: '7 steps to purchase your property' so you know what to expect from the application process.
  • Please fill in this short home loan enquiry form and one of our expert Lending Managers will contact you within one business day.
  • Be sure to review our pricing and terms and conditions.

Reference

Loan Calculator

Learn About Monthly Repayment

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Monthly Repayment
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Learn About Maximum Loan Amount

Maximum Loan Amount
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Monthly Repayment
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Note:

  • Car loan maximum amount: USD 80,000
  • Personal loan maximum amount: USD 25,000
  • The result from this calculator it for illustration purposes and indicative only
  • Result do not represent the approval loan amount which is subjected to J Trust Royal's credit assessment

Call our professional lending manager to learn more via 078 222 082 or 078 222 086.