Home Loan

Préparez un remboursement adapté à votre prochain projet.

Indiquez vos revenus, vos dettes mensuelles actuelles et vos dépenses. Les montants de dettes ou de dépenses laissés vides comptent comme 0. Le revenu total doit dépasser zéro. Vérifiez vos dépenses réelles avant de vous fier au résultat : ce n’est pas un accord bancaire.

Revenu net par mois (MUR)

Votre revenu après impôts et cotisations. Si des dettes sont déjà déduites de votre salaire, rajoutez ces paiements ici, puis indiquez-les une seule fois dans les dettes ci-dessous.

Dettes mensuelles existantes (MUR)

Ce que vous payez chaque mois pour vos prêts, leasings et cartes. Ce n’est pas le total qu’il reste à rembourser. N’incluez pas le nouveau prêt ici. Une case vide compte comme 0.

Dépenses mensuelles courantes (MUR)

Courses, loyer, factures, transport, enfants, assurances et une part des frais annuels. Ne comptez pas à nouveau les dettes indiquées plus haut. Une case vide compte comme 0 : vérifiez qu’aucune dépense n’a été oubliée.

Je prends ce prêt à deux, avec mon ou ma partenaire ou une autre personne

Ne considérez pas les indemnités, heures supplémentaires ou primes susceptibles de cesser comme un salaire de base garanti. Vérifiez que vous pourriez payer sans elles, même si le prêteur les retient.

Nous vérifierons votre budget dès que le montant à payer chaque mois sera disponible.

Estimation personnelle, pas une approbation ni le calcul réglementaire de la banque. Les alertes à 45 % et 50 % sont des repères sur revenu net. Prévoyez séparément frais, hausses de taux et éventuel paiement final majoré.

La perte d’emploi ne suspend ni remboursements, ni factures, ni besoins alimentaires. Gardez une réserve incluant les dettes jusqu’au retour des revenus ; retrouver un emploi peut prendre plus longtemps que prévu.

Comprendre la règle des 50 % et le MCIB

Le taux d’endettement (DTI) est la part de vos revenus consacrée à tous vos remboursements mensuels. Un taux inférieur à 50 % ne garantit ni l’approbation ni votre capacité à supporter un prêt. Prévoyez aussi les dépenses essentielles et les imprévus. Les banques examinent votre situation et vos antécédents de crédit, notamment les informations du Mauritius Credit Information Bureau (MCIB).

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Préparer un fonds d’urgence

Gardez une épargne disponible pour les dépenses essentielles en cas de perte de revenus ou d’imprévu. Le montant restant après les remboursements n’est pas entièrement disponible : il doit encore couvrir vos dépenses courantes et votre réserve d’urgence.

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Ces montants restent en mémoire sur cette page. Ils ne sont transmis ni à une banque ni au MCIB ; quitter ou actualiser la page les efface.

Plus de détails, quand vous en avez besoin.

À propos de ce prêt

Les noms bancaires, citations et documents sources restent dans leur langue d’origine. Les explications traduites ne remplacent pas les conditions de la banque.

Ever caught yourself daydreaming about the perfect home with the cosy corners, the open kitchen, or maybe even that long-awaited extra room? With our latest SBM Home Loan offer, this vision can become reality sooner than you think. Benefit from one of these exclusive perks and bring your home plans to life. • Preferential interest rates as from 5.10% p.a. • 1% cashback, up to MUR 200,000, on your approved loan amount • Discounted rates and registration fees borne by the bank to ease switching from another financial institution. Apply now and make the most of this amazing campaign while it last

Éligibilité et conditions

Ever caught yourself daydreaming about the perfect home with the cosy corners, the open kitchen, or maybe even that long-awaited extra room? With our latest SBM Home Loan offer, this vision can become reality sooner than you think. Benefit from one of these exclusive perks and bring your home plans to life. • Preferential interest rates as from 5.10% p.a. • 1% cashback, up to MUR 200,000, on your approved loan amount • Discounted rates and registration fees borne by the bank to ease switching from another financial institution. Apply now and make the most of this amazing campaign while it lasts! The icing on the cake? The brand-new SBM Home Club card which offers amazing discounts at selected merchant partners to style your dream home the way you want! And that’s not all. The card is available for both new and existing SBM Home Loan customers*. Visit your nearest branch to get yours now! Up to 35 years repayment term Up to 100% financing 2 years moratorium (optional) APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years. Click here to view the full terms and conditions BOM Template Click here to view terms and conditions of the Home Club Special Offers SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Up to 100% financing for eligible applicants • A repayment period of up to 35 years • A maximum of 2 years moratorium on capital repayment • Competitive rates over the lifetime of the loan • Pre-approved credit card (depending on eligibility) • Open to both SBM and non-SBM customers • Original NIC • Original proof of address (less than 3 months) • Last 6 months’ bank statements (for non-SBM customers) • For salaried individuals: Payslips for the last 3 months • For self-employed individuals: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure • Title deed (where applicable) • Site plan & Land Surveyor's report • Contrat de réservation (if any) • Evidence of contribution (if any) e.g. copy of down payment receipt or balance on account • Construction contract (where applicable) • Breakdown of cost of construction/renovation (where applicable) • Building permit and Building plan approved by authorities (where applicable) *Terms and conditions apply.

Taux, limites et coûts à confirmer

Exemple du calculateur de la banque: Non établi

Une illustration, pas une offre garantie ni un taux contractuellement fixe. Votre taux proposé peut différer.

Tarification bancaire annoncée: interest rates as from 5.10% p.a.

SBM Prime Lending Rate: 7,1 % · 2026-06-05

Taux du simulateur selon le montant emprunté

Ces taux annuels sont des exemples du simulateur bancaire, pas des devis garantis ni des limites d’octroi. Le taux correspondant au montant saisi est choisi automatiquement. Hors des tranches indiquées, un devis bancaire est nécessaire.

200 000,00 MUR – 1 999 999,00 MUR: 6,45 %
2 000 000,00 MUR – 2 999 999,00 MUR: 6,15 %
3 000 000,00 MUR – 4 999 999,99 MUR: 5,8 %
5 000 000,00 MUR – 30 000 000 000,00 MUR: 5,14 %

Plages de saisie du calculateur bancaire: 200 000,00 MUR – 200 000 000 000,00 MUR · 12–420 mois

Ces plages ne constituent pas des limites d’éligibilité ou d’approbation. Les conditions publiées et divergences restent pertinentes.

Calculator rates are illustrative snapshots based on PLR, not borrower quotes or contractual fixed rates. Fees and insurance are not included in the bank calculator outputs.

The page advertises a campaign rate from 5.10%, while the captured PLR-based calculator has amount-specific bands. Campaign cashback is conditional and is not deducted. Moratorium interest and inclusion in the term are unconfirmed; phased drawdowns are not modelled.

Frais encore à confirmer

Insurance, valuation, legal, registration and other external charges require an individual quote.
Processing charges require confirmation of collateral category, VAT treatment and rounding to the next Rs 100: 11 Loans and Advances N/A x Processing fee Loans fully secured by cash collateral 1 % of facility amount minimum Rs. 1,000/maximum Rs. 5,000 rounded to the next Rs. 100 Unsecured Loans 1% of facility amount minimum Rs. 1,000 / maximum Rs. 50,000 rounded to the next Rs. 100 Secured Loans 1 % of facility amount minimum Rs. 3,000 / maximum Rs. 75,000 rounded to the next Rs. 100 1% of facility amount or as per agreement 0.50% of facility amount for renewal of facility Minimum: Rs. Rs. 5,000 Maximum: Rs. Rs. 50,000 0.25% of facility amount for temporary banking facility Minimum: Rs. 5,000 Maximum: Rs. 50,000 Rs 1,000 for extension of Import Loan after the maturity date x Arrangement fee N/A 0.50% to 1% x Ledger fee Individual: Rs. 125 + VAT, Rs. 143.75 per month Corporate: Rs. 200 + VAT, i.e. Rs. 230 payable monthly x Rescheduling fee (Applicable to non-impaired loan rescheduled more than 2 times) 1% of total facility amount with a minimum of Rs. 5,000 and maximum Rs. 50,000 x Commitment fee Education Loan 1% is charged per annum on any undrawn balance after 3 months as from date moratorium ends or as specified in the facility agreement.

Sources et vérification (26 faits)

Estimate config

Vérifié le 3 oct. 2026

(isFinite(monthly) && !amount_error && year_achiever_ok) { // Fill in the output fields, rounding to 2 decimal places payment.innerHTML = formatNumber(monthly, 2); total.innerHTML = formatNumber(monthly * payments, 2); totalinterest.innerHTML = formatNumber((monthly * payments) - principal, 2); //for all the hidden input document.getElementById('achiever_paymentValue').value = formatNumber(monthly, 2); document.getElementById('achiever_TotalPaymentValue').value = formatNumber(monthly * payments, 2); document.getElementById('achiever_TotalInterestValue').value = formatNumber((monthly * payments) - principal, 2); // Finally, chart loan balance, interest, and equity payments // chart(principal, year, monthly, payments) // $('.canvasjs-chart-container').append('<div class="white-hide"></div>'); } else { // Result was NaN or Infinite, // which means the input was incomplete or invalid. // Clear any previously-displayed output. payment.innerHTML = ""; total.innerHTML = ""; totalinterest.innerHTML = ""; // chart(); // With no arguments, clears the chart // $('.canvasjs-chart-container').append('<div class="white-hide"></div>'); } fillForm(jQuery('#achiever_amount').val(), jQuery('#achiever_apr').val(), jQuery('#achiever_years').val(), jQuery('#achiever_totalinterest').text(), jQuery('#achiever_total').text(), jQuery('#achiever_payment').text(), 4, jQuery('.type-secured').prop('checked')); } function achiever_reset() { var min_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_year_min); jQuery('#achiever_amount').val(''); jQuery('#achiever_apr').val(''); jQuery('#achiever_years_slider').val(min_year); jQuery('#achiever_years').val(min_year); jQuery('.my_achiever_year_select').val(min_year).selectpicker('render'); jQuery('#achiever_payment').text(''); jQuery('#achiever_total').text(''); jQuery('#achiever_totalinterest').text(''); jQuery('#achiever_chartContainer').html(""); } // Chart the monthly loan balance, interest, and // equity in an HTML <canvas> element. // If called with no arguments, then just erase // any previously drawn chart. //function chart(principal, years, monthly, payments) { // var amount = principal; // var total_payment = parseInt((monthly * payments)); // var total_interest = parseInt(((monthly * payments) - principal)); // var interval = total_payment / 2; // var min_year = years; // // setTimeout(function () { // google.charts.load('current', {'packages': ['corechart', 'line']}) // }, 2000); // // var data = new google.visualization.DataTable(); // data.addColumn('number', 'X'); // data.addColumn('number', 'Total Payments'); // data.addColumn('number', 'Interest'); // data.addColumn('number', 'Balance'); // data.addRows([ // [0, 0, total_interest, amount], [min_year, total_payment, 0, 0] // ]); // var options = { // title: 'Balance vs. Payments', // hAxis: { // title: 'Number of Years' // }, // vAxis: { // title: '' // }, // colors: ['#a52714', '#097138', '#0000ff'], // crosshair: { // color: '#000', // trigger: 'selection' // } // }; // // (function ($) { // if ($("#block-homeloan").hasClass('open')){ // var chart = new google.visualization.LineChart(document.getElementById('chartContainer')); // chart.draw(data, options); // } // else if ($("#block-carlease").hasClass('open')){ // var chart_car = new google.visualization.LineChart(document.getElementById('car_chartContainer')); // chart_car.draw(data, options); // } // // else if ($("#block-consumerloan").hasClass('open')){ // var chart_consumer = new google.visualization.LineChart(document.getElementById('consumer_chartContainer')); // chart_consumer.draw(data, options); // } // // else if ($("#block-achieverloan").hasClass('open')){ // var chart_achiever = new google.visualization.LineChart(document.getElementById('achiever_chartContainer')); // chart_achiever.draw(data, options); // } // })(jQuery); // //} function formatNumber(num, decimals) { return parseFloat(num).toFixed(decimals).replace(/(\d)(?=(\d{3})+(?!\d))/g, "$1,") // http://blog.tompawlak.org/number-currency-formatting-javascript } function fillForm(amount, interest, year, interest_to_be_paid, amount_after_interest, amount_per_month, form_type, secured) { if (amount != '') { var securedVal = ({ "true": "Yes", "false": "No", "fileNotFound": "No Found" })[secured]; jQuery('.calculated-amount').val(formatNumber(amount, 2)); jQuery('.calculated-interest').val(interest); jQuery('.calculated-year').val(year); jQuery('.calculated-interest-to-be-paid').val(interest_to_be_paid); jQuery('.calculated-amount-to-be-paid').val(amount_after_interest); jQuery('.calculated-amount-per-month').val(amount_per_month); jQuery('.calculator-select-form').val(form_type); jQuery('.secured-data').val(securedVal); } return; } (function ($) { $(document).on('change', '#years_slider', function () { if ($('#years_slider').val() > 1) { $('.num-year').text(Drupal.t('years')); } else { $('.num-year').text(Drupal.t('year')); } }); $(document).on('change', '#car_years_slider', function () { if ($('#car_years_slider').val() > 1) { $('.car-num-year').text(Drupal.t('years')); } else { $('.car-num-year').text('year'); } }); $(document).on('change', '#consumer_years_slider', function () { if ($('#consumer_years_slider').val() > 1) { $('.consumer-num-year').text(Drupal.t('years')); } else { $('.consumer-num-year').text(Drupal.t('year')); } }); $(document).on('change', '#achiever_years_slider', function () { if ($('#achiever_years_slider').val() > 1) { $('.achiever-num-year').text(Drupal.t('years')); } else { $('.achiever-num-year').text(Drupal.t('year')); } }); $(document).on('change', '#autolease_years_slider', function () { if ($('#autolease_years_slider').val() > 1) { $('.autolease-num-year').text(Drupal.t('years')); } else { $('.autolease-num-year').text(Drupal.t('year')); } }); $("#amount").on('keydown touchstart', function (e) { numeric_only(e); }); $("#car_amount").on('keydown touchstart', function (e) { numeric_only(e); }); $("#autolease_amount").on('keydown touchstart', function (e) { numeric_only(e); }); $("#consumer_amount").on('keydown touchstart', function (e) { numeric_only(e); }); $("#achiever_amount").on('keydown touchstart', function (e) { numeric_only(e); }); })(jQuery);

Document : SBM calculator_js

Section du document : Reviewed executable: rate selection and monthly annuity formula

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Estimate config

Vérifié le 3 oct. 2026

Last Updated on 5 June 2026; Prime Lending Rate 7.10

Document : SBM tariff

Section du document : PLR snapshot (not a contractual rate guarantee)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Base du taux

Vérifié le 3 oct. 2026

var rate = parseFloat(apr.value) / 100 / 12; var monthly = (principal * x * rate) / (x - 1);

Document : SBM calculator_js

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Durée maximale (mois)

Vérifié le 3 oct. 2026

Up to 35 years repayment term

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Taux d’intérêt annuel minimal

Vérifié le 3 oct. 2026

interest rates as from 5.10% p.a.

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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TAEG

Vérifié le 3 oct. 2026

APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Base du TAEG

Vérifié le 3 oct. 2026

APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Name

Vérifié le 3 oct. 2026

Home Loan

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Product url

Vérifié le 3 oct. 2026

https://banking.sbmgroup.mu/individual/loans/home-loan

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Type de prêt

Vérifié le 3 oct. 2026

Ever caught yourself daydreaming about the perfect home with the cosy corners, the open kitchen, or maybe even that long-awaited extra room? With our latest SBM Home Loan offer, this vision can become reality sooner than you think. Benefit from one of these exclusive perks and bring your home plans to life. • Preferential interest rates as from 5.10% p.a. • 1% cashback, up to MUR 200,000, on your approved loan amount • Discounted rates and registration fees borne by the bank to ease switching from another financial institution. Apply now and make the most of this amazing campaign while it lasts! The icing on the cake? The brand-new SBM Home Club card which offers amazing discounts at selected merchant partners to style your dream home the way you want! And that’s not all. The card is available for both new and existing SBM Home Loan customers*. Visit your nearest branch to get yours now! Up to 35 years repayment term Up to 100% financing 2 years moratorium (optional) APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years. Click here to view the full terms and conditions BOM Template Click here to view terms and conditions of the Home Club Special Offers SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Up to 100% financing for eligible applicants • A repayment period of up to 35 years • A maximum of 2 years moratorium on capital repayment • Competitive rates over the lifetime of the loan • Pre-approved credit card (depending on eligibility) • Open to both SBM and non-SBM customers • Original NIC • Original proof of address (less than 3 months) • Last 6 months’ bank statements (for non-SBM customers) • For salaried individuals: Payslips for the last 3 months • For self-employed individuals: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure • Title deed (where applicable) • Site plan & Land Surveyor's report • Contrat de réservation (if any) • Evidence of contribution (if any) e.g. copy of down payment receipt or balance on account • Construction contract (where applicable) • Breakdown of cost of construction/renovation (where applicable) • Building permit and Building plan approved by authorities (where applicable) *Terms and conditions apply.

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Estimate config

Vérifié le 3 oct. 2026

Ever caught yourself daydreaming about the perfect home with the cosy corners, the open kitchen, or maybe even that long-awaited extra room? With our latest SBM Home Loan offer, this vision can become reality sooner than you think. Benefit from one of these exclusive perks and bring your home plans to life. • Preferential interest rates as from 5.10% p.a. • 1% cashback, up to MUR 200,000, on your approved loan amount • Discounted rates and registration fees borne by the bank to ease switching from another financial institution. Apply now and make the most of this amazing campaign while it lasts! The icing on the cake? The brand-new SBM Home Club card which offers amazing discounts at selected merchant partners to style your dream home the way you want! And that’s not all. The card is available for both new and existing SBM Home Loan customers*. Visit your nearest branch to get yours now! Up to 35 years repayment term Up to 100% financing 2 years moratorium (optional) APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years. Click here to view the full terms and conditions BOM Template Click here to view terms and conditions of the Home Club Special Offers SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Up to 100% financing for eligible applicants • A repayment period of up to 35 years • A maximum of 2 years moratorium on capital repayment • Competitive rates over the lifetime of the loan • Pre-approved credit card (depending on eligibility) • Open to both SBM and non-SBM customers • Original NIC • Original proof of address (less than 3 months) • Last 6 months’ bank statements (for non-SBM customers) • For salaried individuals: Payslips for the last 3 months • For self-employed individuals: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure • Title deed (where applicable) • Site plan & Land Surveyor's report • Contrat de réservation (if any) • Evidence of contribution (if any) e.g. copy of down payment receipt or balance on account • Construction contract (where applicable) • Breakdown of cost of construction/renovation (where applicable) • Building permit and Building plan approved by authorities (where applicable) *Terms and conditions apply.

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Estimate config

Vérifié le 3 oct. 2026

11 Loans and Advances N/A x Processing fee Loans fully secured by cash collateral 1 % of facility amount minimum Rs. 1,000/maximum Rs. 5,000 rounded to the next Rs. 100 Unsecured Loans 1% of facility amount minimum Rs. 1,000 / maximum Rs. 50,000 rounded to the next Rs. 100 Secured Loans 1 % of facility amount minimum Rs. 3,000 / maximum Rs. 75,000 rounded to the next Rs. 100 1% of facility amount or as per agreement 0.50% of facility amount for renewal of facility Minimum: Rs. Rs. 5,000 Maximum: Rs. Rs. 50,000 0.25% of facility amount for temporary banking facility Minimum: Rs. 5,000 Maximum: Rs. 50,000 Rs 1,000 for extension of Import Loan after the maturity date x Arrangement fee N/A 0.50% to 1% x Ledger fee Individual: Rs. 125 + VAT, Rs. 143.75 per month Corporate: Rs. 200 + VAT, i.e. Rs. 230 payable monthly x Rescheduling fee (Applicable to non-impaired loan rescheduled more than 2 times) 1% of total facility amount with a minimum of Rs. 5,000 and maximum Rs. 50,000 x Commitment fee Education Loan 1% is charged per annum on any undrawn balance after 3 months as from date moratorium ends or as specified in the facility agreement. Mortgage loan 1% is charged per annum on any undrawn balance either 12 months as from first disbursement date or as from date moratorium ends or as specified in the facility agreement. Other loan 1% is charged per annum on any undrawn balance after 3 months as from date of signature of facility agreement or as specified in the facility agreement. 1% of undrawn balance at end of the draw-down period, if undrawn amount is cancelled. In case drawdown period is extended, 1% per annum of undrawn balance for any subsequent period of 12 months. x Early repayment fee Applicable to mortgage / housing / consumer loan In respect of individual (as defined by the bank) only Loans availed prior to 01 Jan 2014: A flat fee of 1% on prepaid capital amount shall be charged Loans availed after 01 Jan 2014: No fee applicable Other than individual (as defined by the bank) only 1% p.a. on amount paid in advance over the residual lifetime of the loan with a minimum of Rs 1,000, whichever is higher. For facilities governed by the Borrower Protection Act No early repayment fee is charged 1% p.a. on amount paid in advance over the residual lifetime of the loan with a minimum of Rs 20,000, whichever is higher For facilities governed by the Borrower Protection Act (BPA): No early repayment fee is charged x Valuation survey & report (immovable property) for any valuation carried out by the Bank. 0.75% of loan amount with a minimum of Rs. 5,000 (inclusive of VAT) and a maximum of Rs. 10,000 (inclusive of VAT) or as prescribed by valuer, whichever is higher 0.75% of loan amount with a minimum of Rs. 5,000 (inclusive of VAT) and a maximum of Rs. 10,000 (inclusive of VAT) or as prescribed by valuer, whichever is higher x Legal charges for creation of security documents for banking facilities Legal fees charged by Legal Counsel/Attorney/Notary (where applicable) Erasure of charge (full and partial): Rs 300 / Rs. 1,000 per charge x Erasure of charges Individual: Government fees + Rs. 500 commission Corporate: Government fees + Rs. 1,000 commission 12 Guarantees

Document : SBM tariff

Section du document : Individuals: loan charges; not all fees are priced

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Sbm monthly ledger

Vérifié le 3 oct. 2026

11 Loans and Advances N/A x Processing fee Loans fully secured by cash collateral 1 % of facility amount minimum Rs. 1,000/maximum Rs. 5,000 rounded to the next Rs. 100 Unsecured Loans 1% of facility amount minimum Rs. 1,000 / maximum Rs. 50,000 rounded to the next Rs. 100 Secured Loans 1 % of facility amount minimum Rs. 3,000 / maximum Rs. 75,000 rounded to the next Rs. 100 1% of facility amount or as per agreement 0.50% of facility amount for renewal of facility Minimum: Rs. Rs. 5,000 Maximum: Rs. Rs. 50,000 0.25% of facility amount for temporary banking facility Minimum: Rs. 5,000 Maximum: Rs. 50,000 Rs 1,000 for extension of Import Loan after the maturity date x Arrangement fee N/A 0.50% to 1% x Ledger fee Individual: Rs. 125 + VAT, Rs. 143.75 per month Corporate: Rs. 200 + VAT, i.e. Rs. 230 payable monthly x Rescheduling fee (Applicable to non-impaired loan rescheduled more than 2 times) 1% of total facility amount with a minimum of Rs. 5,000 and maximum Rs. 50,000 x Commitment fee Education Loan 1% is charged per annum on any undrawn balance after 3 months as from date moratorium ends or as specified in the facility agreement. Mortgage loan 1% is charged per annum on any undrawn balance either 12 months as from first disbursement date or as from date moratorium ends or as specified in the facility agreement. Other loan 1% is charged per annum on any undrawn balance after 3 months as from date of signature of facility agreement or as specified in the facility agreement. 1% of undrawn balance at end of the draw-down period, if undrawn amount is cancelled. In case drawdown period is extended, 1% per annum of undrawn balance for any subsequent period of 12 months. x Early repayment fee Applicable to mortgage / housing / consumer loan In respect of individual (as defined by the bank) only Loans availed prior to 01 Jan 2014: A flat fee of 1% on prepaid capital amount shall be charged Loans availed after 01 Jan 2014: No fee applicable Other than individual (as defined by the bank) only 1% p.a. on amount paid in advance over the residual lifetime of the loan with a minimum of Rs 1,000, whichever is higher. For facilities governed by the Borrower Protection Act No early repayment fee is charged 1% p.a. on amount paid in advance over the residual lifetime of the loan with a minimum of Rs 20,000, whichever is higher For facilities governed by the Borrower Protection Act (BPA): No early repayment fee is charged x Valuation survey & report (immovable property) for any valuation carried out by the Bank. 0.75% of loan amount with a minimum of Rs. 5,000 (inclusive of VAT) and a maximum of Rs. 10,000 (inclusive of VAT) or as prescribed by valuer, whichever is higher 0.75% of loan amount with a minimum of Rs. 5,000 (inclusive of VAT) and a maximum of Rs. 10,000 (inclusive of VAT) or as prescribed by valuer, whichever is higher x Legal charges for creation of security documents for banking facilities Legal fees charged by Legal Counsel/Attorney/Notary (where applicable) Erasure of charge (full and partial): Rs 300 / Rs. 1,000 per charge x Erasure of charges Individual: Government fees + Rs. 500 commission Corporate: Government fees + Rs. 1,000 commission 12 Guarantees

Document : SBM tariff

Section du document : Individuals: monthly ledger fee

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

Où nous avons trouvé ces conditions Ouvrir le document justificatif

Estimate config

Vérifié le 3 oct. 2026

{"plr_calc_value": "7.10", "home_loan": {"amount_min": "200000", "amount_max": "200000000000", "year_min": "1", "year_max": "35", "home_loan_min_price_one": "200000", "home_loan_max_price_one": "1999999", "home_loan_min_price_one_rate": "-0.65", "home_loan_min_price_two": "2000000", "home_loan_max_price_two": "2999999", "home_loan_min_price_two_rate": "-0.95", "home_loan_min_price_three": "3000000", "home_loan_max_price_three": "5000000", "home_loan_min_price_three_rate": "-1.30", "home_loan_min_price_four": "5000000", "home_loan_max_price_four": "30000000000", "home_loan_min_price_four_rate": "-1.96", "car_amount_min": "50000", "car_amount_max": "5000001", "car_year_min": "1", "car_year_max": "7", "car_rate": "5.75", "consumer_amount_min": "50000", "consumer_amount_max": "100000000", "consumer_year_min": "1", "consumer_year_max": "30", "consumer_year_max_unsecured": "7", "consumer_amount_max_unsecured": "5000000", "consumer_amount_min_unsecured": "50000", "consumer_loan_min": "50000", "consumer_loan_mid": "3000001", "consumer_mid_loan": "3000001", "consumer_loan_max": "100000000", "consumer_loan_min_rate": "2.65", "consumer_loan_mid_rate": "2.65", "consumer_mid_loan_rate": "2.65", "consumer_loan_max_rate": "2.65", "consumer_loan_unsecured_rate": "5.75", "achiever_amount_min": "50000", "achiever_amount_max": "", "achiever_year_min": "1", "achiever_year_max": "20", "achiever_year_max_unsecured": "10", "achiever_amount_max_unsecured": "3000000", "achiever_amount_min_unsecured": "50000", "achiever_loan": "3000001", "achiever_loan_min_unsecured_rate": "2.55", "achiever_loan_min_secured_rate": "0.55", "achiever_loan_max_unsecured_rate": "2.55", "achiever_loan_max_secured_rate": "0.55", "autolease_amount_min": "200000", "autolease_amount_max": "500000000", "autolease_year_min": "1", "autolease_year_max": "7", "autolease_rate": "2.00"}}

Document : SBM calc_home

Section du document : Published calculator configuration: PLR, margins and control ranges

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

Où nous avons trouvé ces conditions Ouvrir le document justificatif

Estimate config

Vérifié le 3 oct. 2026

(function ($) { $(document).ready(function () { }); })(jQuery); "use strict"; function calculate() { // Look up the input and output elements in the document var amount = document.getElementById("amount"); var apr = document.getElementById("apr"); var years = document.getElementById("years"); var payment = document.getElementById("payment"); var total = document.getElementById("total"); var totalinterest = document.getElementById("totalinterest"); var home_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.year_min); var home_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.year_max); var plr = parseFloat(drupalSettings.sbm_loan_calculator.plr_calc_value); var min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.amount_min); var max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.amount_max); // var home_loan_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min); // var home_loan_mid = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_mid); // var home_mid_loan = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_mid_loan); // var home_loan_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max); // var home_loan_min_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_rate); // var home_loan_mid_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_mid_rate); // var home_mid_loan_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_mid_loan_rate); // var home_loan_max_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max_rate); var home_loan_min_price_one = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_one); var home_loan_max_price_one = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max_price_one); var home_loan_min_price_one_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_one_rate); var home_loan_min_price_two = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_two); var home_loan_max_price_two = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max_price_two); var home_loan_min_price_two_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_two_rate); var home_loan_min_price_three = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_three); var home_loan_max_price_three = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max_price_three); var home_loan_min_price_three_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_three_rate); var home_loan_min_price_four = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_four); var home_loan_max_price_four = parseInt(drupalSettings.sbm_loan_calculator.home_loan.home_loan_max_price_four); var home_loan_min_price_four_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.home_loan_min_price_four_rate); $ = jQuery; amount_error = 0; if (document.getElementById('amount').value == '') { var result = "Please Enter Amount"; document.getElementById('home-error').innerHTML = result; amount_error = 1; } if ($("#amount").val() < min) { var result = "Please enter amount above " + min.toLocaleString("en-US"); document.getElementById('apr').value = ''; document.getElementById('home-error').innerHTML = result; amount_error = 1; } else if ($("#amount").val() > max) { var result = "Please enter amount below " + max.toLocaleString("en-US"); document.getElementById('apr').value = ''; document.getElementById('home-error').innerHTML = result; amount_error = 1; } else if ($("#amount").val() >= min && ($("#amount").val() >= home_loan_min_price_one && $("#amount").val() <= home_loan_max_price_one)) { //var result = plr + home_loan_min_rate; var result = plr + home_loan_min_price_one_rate; document.getElementById('apr').value = result.toFixed(2); //document.getElementById('apr').classList.remove("error_red"); amount_error = 0; document.getElementById('home-error').innerHTML = ''; } else if ($("#amount").val() >= home_loan_min_price_two && $("#amount").val() <= home_loan_max_price_two) { var result = plr + home_loan_min_price_two_rate; document.getElementById('apr').value = result.toFixed(2); amount_error = 0; //document.getElementById('apr').classList.remove("error_red"); document.getElementById('home-error').innerHTML = ''; } else if ($("#amount").val() >= home_loan_min_price_three && $("#amount").val() < home_loan_max_price_three) { var result = plr + home_loan_min_price_three_rate; document.getElementById('apr').value = result.toFixed(2); amount_error = 0; //document.getElementById('apr').classList.remove("error_red"); document.getElementById('home-error').innerHTML = ''; } else if ($("#amount").val() >= home_loan_min_price_four && $("#amount").val() <= home_loan_max_price_four) { var result = plr + home_loan_min_price_four_rate; amount_error = 0; document.getElementById('apr').value = result.toFixed(2); //document.getElementById('apr').classList.remove("error_red"); document.getElementById('home-error').innerHTML = ''; } else { amount_error = 0; document.getElementById('home-error').innerHTML = ''; } if ($("#years").val() < home_min || $("#years").val() > home_max) { var result = "Please enter year between " + home_min + " and " + home_max; document.getElementById('homeloan-error').innerHTML = result; document.getElementById('apr').value = ''; } // Get the user's input from the input elements. // Assume all input is valid (for now). // Convert interest rate from percentage to decimal // Convert from annual rate to monthly rate // Convert payment period in years to number of monthly payments var year = parseFloat(years.value); var principal = parseFloat(amount.value.replace(/,/g, '')); var rate = parseFloat(apr.value) / 100 / 12; var payments = parseFloat(years.value) * 12; // Compute the monthly payment var x = Math.pow(1 + rate, payments); var monthly = (principal * x * rate) / (x - 1); // If the result is a finite number, the user's input was good // and we have meaningful results to display if (isFinite(monthly) && !amount_error && !($("#years").val() < home_min || $("#years").val() > home_max)) { // Fill in the output fields, rounding to 2 decimal places payment.innerHTML = formatNumber(monthly, 2); total.innerHTML = formatNumber(monthly * payments, 2); totalinterest.innerHTML = formatNumber((monthly * payments) - principal, 2); //for all the hidden input document.getElementById('paymentValue').value = formatNumber(monthly, 2); document.getElementById('TotalPaymentValue').value = formatNumber(monthly * payments, 2); document.getElementById('TotalInterestValue').value = formatNumber((monthly * payments) - principal, 2); // Finally, chart loan balance, interest, and equity payments // chart(principal, year, monthly, payments) } else { // Result was NaN or Infinite, // which means the input was incomplete or invalid. // Clear any previously-displayed output. payment.innerHTML = ""; total.innerHTML = ""; totalinterest.innerHTML = ""; // chart(); // With no arguments, clears the chart } fillForm(jQuery('#amount').val(), jQuery('#apr').val(), jQuery('#years').val(), jQuery('#totalinterest').text(), jQuery('#total').text(), jQuery('#payment').text(), 0, false); } function reset() { var min_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.year_min); jQuery('#amount').val(''); jQuery('#apr').val(''); jQuery('#years_slider').val(min_year); jQuery('#years').val(min_year); jQuery('.my_year_select').val(min_year).selectpicker('render'); jQuery('#payment').text(''); jQuery('#total').text(''); jQuery('#totalinterest').text(''); // jQuery('#chartContainer').html(""); } function car_calculate() { // Look up the input and output elements in the document var amount = document.getElementById("car_amount"); var apr = document.getElementById("car_apr"); var years = document.getElementById("car_years"); var payment = document.getElementById("car_payment"); var total = document.getElementById("car_total"); var totalinterest = document.getElementById("car_totalinterest"); var boost_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.car_year_min); var boost_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.car_year_max); var car_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.car_amount_min); var car_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.car_amount_max); var car_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.car_rate); var plr = parseFloat(drupalSettings.sbm_loan_calculator.plr_calc_value); // var text = jQuery('#block-carlease .loan-data .amount .currency .bootstrap-select .dropdown-toggle .filter-option').text(); // jQuery("#block-carlease .payments .output-wrapper .output-value .currency").each(function () { // jQuery(this).text(text); // }); $ = jQuery; amount_error = 0; if (document.getElementById("car_amount").value == '') { var result = "Please Enter Amount"; document.getElementById('car_apr').value = result; amount_error = 1; document.getElementById('boost-error').innerHTML = ''; } if ($("#car_amount").val() < car_min) { var result = "Please enter amount above " + car_min.toLocaleString("en-US"); document.getElementById('car_apr').value = ''; //document.getElementById('car_apr').value = result; amount_error = 1; document.getElementById('boost-error').innerHTML = result; } else if ($("#car_amount").val() > car_max) { var result = "Please enter amount below " + car_max.toLocaleString("en-US"); document.getElementById('car_apr').value = ''; //document.getElementById('car_apr').value = result; amount_error = 1; document.getElementById('boost-error').innerHTML = result; } else { var result = plr + car_rate; document.getElementById('car_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('boost-error').innerHTML = ''; } if ($("#car_years").val() < boost_min || $("#car_years").val() > boost_max) { var result = "Please enter year between " + boost_min + " and " + boost_max; document.getElementById('boostloan-error').innerHTML = result; document.getElementById('car_apr').value = ''; } // Get the user's input from the input elements. // Assume all input is valid (for now). // Convert interest rate from percentage to decimal // Convert from annual rate to monthly rate // Convert payment period in years to number of monthly payments var year = parseFloat(years.value); var principal = parseFloat(amount.value.replace(/,/g, '')); var rate = parseFloat(apr.value) / 100 / 12; var payments = parseFloat(years.value) * 12; // Compute the monthly payment var x = Math.pow(1 + rate, payments); var monthly = (principal * x * rate) / (x - 1); // If the result is a finite number, the user's input was good // and we have meaningful results to display if (isFinite(monthly) && !amount_error && !($("#car_years").val() < boost_min || $("#car_years").val() > boost_max)) { // Fill in the

Document : SBM calculator_js

Section du document : Reviewed executable: rate selection and monthly annuity formula

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

Où nous avons trouvé ces conditions Ouvrir le document justificatif

Estimate config

Vérifié le 3 oct. 2026

output fields, rounding to 2 decimal places payment.innerHTML = formatNumber(monthly, 2); total.innerHTML = formatNumber(monthly * payments, 2); totalinterest.innerHTML = formatNumber((monthly * payments) - principal, 2); //for all the hidden input document.getElementById('car_paymentValue').value = formatNumber(monthly, 2); document.getElementById('car_TotalPaymentValue').value = formatNumber(monthly * payments, 2); document.getElementById('car_TotalInterestValue').value = formatNumber((monthly * payments) - principal, 2); // Finally, chart loan balance, interest, and equity payments // chart(principal, year, monthly, payments) } else { // Result was NaN or Infinite, // which means the input was incomplete or invalid. // Clear any previously-displayed output. payment.innerHTML = ""; total.innerHTML = ""; totalinterest.innerHTML = ""; // chart(); // With no arguments, clears the chart } fillForm(jQuery('#car_amount').val(), jQuery('#car_apr').val(), jQuery('#car_years').val(), jQuery('#car_totalinterest').text(), jQuery('#car_total').text(), jQuery('#car_payment').text(), 3, false); //Boost loan } function car_reset() { var min_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.car_year_min); jQuery('#car_amount').val(''); jQuery('#car_apr').val(''); jQuery('#car_years_slider').val(min_year); jQuery('.my_car_year_select').val(min_year).selectpicker('render'); jQuery('#car_years').val(min_year); jQuery('#car_payment').text(''); jQuery('#car_total').text(''); jQuery('#car_totalinterest').text(''); // jQuery('#car_chartContainer').html(""); } function autolease_calculate() { // Look up the input and output elements in the document var amount = document.getElementById("autolease_amount"); var apr = document.getElementById("autolease_apr"); var years = document.getElementById("autolease_years"); var payment = document.getElementById("autolease_payment"); var total = document.getElementById("autolease_total"); var totalinterest = document.getElementById("autolease_totalinterest"); var auto_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.autolease_year_min); var auto_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.autolease_year_max); var autolease_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.autolease_amount_min); var autolease_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.autolease_amount_max); var plr = parseFloat(drupalSettings.sbm_loan_calculator.plr_calc_value); var autolease_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.autolease_rate); $ = jQuery; amount_error = 0; if (document.getElementById("autolease_amount").value == '') { var result = "Please Enter Amount"; document.getElementById('autolease_apr').value = result; amount_error = 1; document.getElementById('autolease-error').innerHTML = ''; } if ($("#autolease_amount").val() < autolease_min) { var result = "Please enter amount above " + autolease_min.toLocaleString("en-US"); document.getElementById('autolease_apr').value = ''; amount_error = 1; document.getElementById('autolease-error').innerHTML = result; } else if ($("#autolease_amount").val() > autolease_max) { var result = "Please enter amount below " + autolease_max.toLocaleString("en-US"); document.getElementById('autolease_apr').value = ''; amount_error = 1; document.getElementById('autolease-error').innerHTML = result; } else if ($("#autolease_amount").val() >= autolease_min && $("#autolease_amount").val() <= autolease_max) { var result = plr + autolease_rate; document.getElementById('autolease_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('autolease-error').innerHTML = ''; } else { amount_error = 0; document.getElementById('autolease-error').innerHTML = ''; } if ($("#autolease_years").val() < auto_min || $("#autolease_years").val() > auto_max) { var result = "Please enter year between " + auto_min + " and " + auto_max; document.getElementById('autoleaseloan-error').innerHTML = result; document.getElementById('autolease_apr').value = ''; } // Get the user's input from the input elements. // Assume all input is valid (for now). // Convert interest rate from percentage to decimal // Convert from annual rate to monthly rate // Convert payment period in years to number of monthly payments var year = parseFloat(years.value); var principal = parseFloat(amount.value.replace(/,/g, '')); var rate = parseFloat(apr.value) / 100 / 12; var payments = parseFloat(years.value) * 12; // Compute the monthly payment var x = Math.pow(1 + rate, payments); var monthly = (principal * x * rate) / (x - 1); // If the result is a finite number, the user's input was good // and we have meaningful results to display if (isFinite(monthly) && !amount_error && !($("#autolease_years").val() < auto_min || $("#autolease_years").val() > auto_max)) { // Fill in the output fields, rounding to 2 decimal places payment.innerHTML = formatNumber(monthly, 2); total.innerHTML = formatNumber(monthly * payments, 2); totalinterest.innerHTML = formatNumber((monthly * payments) - principal, 2); //for all the hidden input document.getElementById('autolease_paymentValue').value = formatNumber(monthly, 2); document.getElementById('autolease_TotalPaymentValue').value = formatNumber(monthly * payments, 2); document.getElementById('autolease_TotalInterestValue').value = formatNumber((monthly * payments) - principal, 2); // Finally, chart loan balance, interest, and equity payments // chart(principal, year, monthly, payments) } else { // Result was NaN or Infinite, // which means the input was incomplete or invalid. // Clear any previously-displayed output. payment.innerHTML = ""; total.innerHTML = ""; totalinterest.innerHTML = ""; // chart(); // With no arguments, clears the chart } fillForm(jQuery('#autolease_amount').val(), jQuery('#autolease_apr').val(), jQuery('#autolease_years').val(), jQuery('#autolease_totalinterest').text(), jQuery('#autolease_total').text(), jQuery('#autolease_payment').text(), 1, false); } function autolease_reset() { var min_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.autolease_year_min); jQuery('#autolease_amount').val(''); jQuery('#autolease_apr').val(''); jQuery('#autolease_years_slider').val(min_year); jQuery('.my_autolease_year_select').val(min_year).selectpicker('render'); jQuery('#autolease_years').val(min_year); jQuery('#autolease_payment').text(''); jQuery('#autolease_total').text(''); jQuery('#autolease_totalinterest').text(''); // jQuery('#autolease_chartContainer').html(""); } function consumer_calculate() { // Look up the input and output elements in the document var amount = document.getElementById("consumer_amount"); var apr = document.getElementById("consumer_apr"); var years = document.getElementById("consumer_years"); var payment = document.getElementById("consumer_payment"); var total = document.getElementById("consumer_total"); var totalinterest = document.getElementById("consumer_totalinterest"); var consumer_loan_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_min); var consumer_loan_mid = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_mid); var consumer_mid_loan = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_mid_loan); var consumer_loan_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_max); var consumer_loan_min_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_min_rate); var consumer_loan_mid_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_mid_rate); var consumer_mid_loan_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.consumer_mid_loan_rate); var consumer_loan_max_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_max_rate); var consumer_loan_unsecured_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.consumer_loan_unsecured_rate); var consumer_min_secured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_amount_min); var consumer_max_secured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_amount_max); var consumer_year_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_year_min); var consumer_max_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_year_max); var consumer_max_year_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_year_max_unsecured); var plr = parseFloat(drupalSettings.sbm_loan_calculator.plr_calc_value); var consumer_amount_max_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_amount_max_unsecured); var consumer_amount_min_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_amount_min_unsecured); // var text = jQuery('#block-consumerloan .loan-data .amount .currency .bootstrap-select .dropdown-toggle .filter-option').text(); // jQuery("#block-consumerloan .payments .output-wrapper .output-value .currency").each(function () { // jQuery(this).text(text); // }); $ = jQuery; amount_error = 0; var typeloan = $('input[name=typeloan]:checked').val(); if (typeloan == 0) { if (document.getElementById("consumer_amount").value == '') { var result = "Please Enter Amount"; document.getElementById('consumer_apr').value = result; amount_error = 1; document.getElementById('consumer-error').innerHTML = ''; } if ($("#consumer_amount").val() < consumer_min_secured) { var result = "Please enter amount above " + consumer_min_secured.toLocaleString("en-US"); document.getElementById('consumer_apr').value = ''; amount_error = 1; document.getElementById('consumer-error').innerHTML = result; } else if ($("#consumer_amount").val() > consumer_max_secured) { var result = "Please enter amount below " + consumer_max_secured.toLocaleString("en-US"); document.getElementById('consumer_apr').value = ''; amount_error = 1; document.getElementById('consumer-error').innerHTML = result; } else if ($("#consumer_amount").val() >= consumer_min_secured && $("#consumer_amount").val() < consumer_loan_min) { var typeloan = $('input[name=typeloan]:checked').val(); if (typeloan == 0) { var result = plr + consumer_loan_min_rate; document.getElementById('consumer_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('consumer-error').innerHTML = ''; } } else if ($("#consumer_amount").val() >= consumer_loan_min && $("#consumer_amount").val() < consumer_loan_mid) { var typeloan = $('input[name=typeloan]:checked').val(); if (typeloan == 0) { var result = plr + consumer_loan_mid_rate; document.getElementById('consumer_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('consumer-error').innerHTML = ''; } } else if ($("#consumer_amount").val() >= consumer_loan_mid && $("#consumer_amount").val() < consumer_mid_loan) { var typeloan = $('input[name=typeloan]:checked').val(); if (typeloan == 0) { var result = plr + consumer_mid_loan_rate; document.getElementById('consumer_apr').value = result.toFixed(2); amount_error =

Document : SBM calculator_js

Section du document : Reviewed executable: rate selection and monthly annuity formula

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Estimate config

Vérifié le 3 oct. 2026

0; document.getElementById('consumer-error').innerHTML = ''; } } else if ($("#consumer_amount").val() >= consumer_mid_loan && $("#consumer_amount").val() <= consumer_loan_max) { var result = plr + consumer_loan_max_rate; document.getElementById('consumer_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('consumer-error').innerHTML = ''; } else { document.getElementById('consumer_apr').classList.remove("error_red"); } } else { if ($("#consumer_amount").val() >= consumer_amount_min_unsecured && $("#consumer_amount").val() <= consumer_amount_max_unsecured) { var result = plr + consumer_loan_unsecured_rate; document.getElementById('consumer_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('consumer-error').innerHTML = ''; } else { var result = "Please enter amount between " + consumer_amount_min_unsecured.toLocaleString("en-US") + " and " + consumer_amount_max_unsecured.toLocaleString("en-US"); document.getElementById('consumer_apr').value = ''; amount_error = 1; document.getElementById('consumer-error').innerHTML = result; } } var typeloan = $('input[name=typeloan]:checked').val(); year_consumer_ok = 1; if (typeloan == 0 && ($("#consumer_years").val() < consumer_year_min || $("#consumer_years").val() > consumer_max_year)) { var result = "Please enter year between " + consumer_year_min + " and " + consumer_max_year; document.getElementById('consumerloan-error').innerHTML = result; year_consumer_ok = 0; } if (typeloan == 1 && ($("#consumer_years").val() < consumer_year_min || $("#consumer_years").val() > consumer_max_year_unsecured)) { year_consumer_ok = 0; //alert($('input[name=typeloan]:checked').val()); var result = "Please enter year between " + consumer_year_min + " and " + consumer_max_year_unsecured; document.getElementById('consumerloan-error').innerHTML = result; } // Get the user's input from the input elements. // Assume all input is valid (for now). // Convert interest rate from percentage to decimal // Convert from annual rate to monthly rate // Convert payment period in years to number of monthly payments var year = parseFloat(years.value); var principal = parseFloat(amount.value.replace(/,/g, '')); var rate = parseFloat(apr.value) / 100 / 12; var payments = parseFloat(years.value) * 12; // Compute the monthly payment var x = Math.pow(1 + rate, payments); var monthly = (principal * x * rate) / (x - 1); // If the result is a finite number, the user's input was good // and we have meaningful results to display if (isFinite(monthly) && !amount_error && year_consumer_ok) { // Fill in the output fields, rounding to 2 decimal places payment.innerHTML = formatNumber(monthly, 2); total.innerHTML = formatNumber(monthly * payments, 2); totalinterest.innerHTML = formatNumber((monthly * payments) - principal, 2); //for all the hidden input document.getElementById('consumer_paymentValue').value = formatNumber(monthly, 2); document.getElementById('consumer_TotalPaymentValue').value = formatNumber(monthly * payments, 2); document.getElementById('consumer_TotalInterestValue').value = formatNumber((monthly * payments) - principal, 2); // Finally, chart loan balance, interest, and equity payments // chart(principal, year, monthly, payments) $('.canvasjs-chart-container').append('<div class="white-hide"></div>'); } else { // Result was NaN or Infinite, // which means the input was incomplete or invalid. // Clear any previously-displayed output. payment.innerHTML = ""; total.innerHTML = ""; totalinterest.innerHTML = ""; // chart(); // With no arguments, clears the chart // $('.canvasjs-chart-container').append('<div class="white-hide"></div>'); } fillForm(jQuery('#consumer_amount').val(), jQuery('#consumer_apr').val(), jQuery('#consumer_years').val(), jQuery('#consumer_totalinterest').text(), jQuery('#consumer_total').text(), jQuery('#consumer_payment').text(), 2, jQuery('.type-secured').prop('checked')); } function consumer_reset() { var min_year = parseInt(drupalSettings.sbm_loan_calculator.home_loan.consumer_year_min); jQuery('#consumer_amount').val(''); jQuery('#consumer_apr').val(''); jQuery('#consumer_years_slider').val(min_year); jQuery('#consumer_years').val(min_year); jQuery('.my_consumer_year_select').val(min_year).selectpicker('render'); jQuery('#consumer_payment').text(''); jQuery('#consumer_total').text(''); jQuery('#consumer_totalinterest').text(''); // jQuery('#consumer_chartContainer').html(""); } function achiever_calculate() { // Look up the input and output elements in the document var amount = document.getElementById("achiever_amount"); var apr = document.getElementById("achiever_apr"); var years = document.getElementById("achiever_years"); var payment = document.getElementById("achiever_payment"); var total = document.getElementById("achiever_total"); var totalinterest = document.getElementById("achiever_totalinterest"); var achiever_year_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_year_min); var achiever_year_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_year_max); var achiever_min_year_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_year_min); var achiever_max_year_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_year_max_unsecured); var achiever_min = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_amount_min); //var achiever_max = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_amount_max); var plr = parseFloat(drupalSettings.sbm_loan_calculator.plr_calc_value); var achiever_loan = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.achiever_loan); var achiever_min_unsecured_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.achiever_loan_min_unsecured_rate); var achiever_min_secured_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.achiever_loan_min_secured_rate); var achiever_max_unsecured_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.achiever_loan_max_unsecured_rate); var achiever_max_secured_rate = parseFloat(drupalSettings.sbm_loan_calculator.home_loan.achiever_loan_max_secured_rate); //var achiever_amount_max_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_amount_max_unsecured); //var achiever_amount_min_unsecured = parseInt(drupalSettings.sbm_loan_calculator.home_loan.achiever_amount_min_unsecured); // var text = jQuery('#block-achieverloan .loan-data .amount .currency .bootstrap-select .dropdown-toggle .filter-option').text(); // jQuery("#block-achieverloan .payments .output-wrapper .output-value .currency").each(function () { // jQuery(this).text(text); // }); $ = jQuery; amount_error = 0; if (document.getElementById("achiever_amount").value == '') { var result = "Please Enter Amount"; document.getElementById('achiever_apr').value = result; amount_error = 1; document.getElementById('achiever-error').innerHTML = ''; } if ($("#achiever_amount").val() < achiever_min) { var result = "Please enter amount above " + achiever_min.toLocaleString("en-US"); document.getElementById('achiever_apr').value = ''; amount_error = 1; document.getElementById('achiever-error').innerHTML = result; /*} else if ($("#achiever_amount").val() > achiever_max) { var result = "Please enter amount below " + achiever_max; document.getElementById('achiever_apr').value = ''; amount_error = 1 ; document.getElementById('achiever-error').innerHTML = result;*/ } else if ($("#achiever_amount").val() >= achiever_min && $('input[name=achievertypeloan]:checked').val() != 0) { var typeloan = $('input[name=achievertypeloan]:checked').val(); $('#achiever_years_slider').attr('max', achiever_max_year_unsecured); var achiever_amount_input = document.getElementById("achiever_amount").value; if (achiever_amount_input != '') { if (achiever_amount_input < achiever_loan) { var result = plr + achiever_min_unsecured_rate; document.getElementById('achiever_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('achiever-error').innerHTML = ''; } else { var result = plr + achiever_max_unsecured_rate; document.getElementById('achiever_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('achiever-error').innerHTML = ''; } } $('#achiever-year-unsecured').addClass('block'); $('#achiever-year-secured').removeClass('block'); document.getElementById('achiever_apr').classList.remove("error_red"); } else if ($("#achiever_amount").val() >= achiever_min && $('input[name=achievertypeloan]:checked').val() == 0) { var typeloan = $('input[name=achievertypeloan]:checked').val(); $('#achiever_years_slider').attr('max', achiever_year_max); var achiever_amount_input = document.getElementById("achiever_amount").value; if (achiever_amount_input != '') { if (achiever_amount_input < achiever_loan) { var result = plr + achiever_min_secured_rate; document.getElementById('achiever_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('achiever-error').innerHTML = ''; } else { var result = plr + achiever_max_secured_rate; document.getElementById('achiever_apr').value = result.toFixed(2); amount_error = 0; document.getElementById('achiever-error').innerHTML = ''; } document.getElementById('achiever_apr').classList.remove("error_red"); } else { document.getElementById('achiever_apr').classList.remove("error_red"); amount_error = 0; document.getElementById('achiever-error').innerHTML = ''; } $('#achiever-year-secured').addClass('block'); $('#achiever-year-unsecured').removeClass('block'); } var typeloan = $('input[name=achievertypeloan]:checked').val(); year_achiever_ok = 1; if (typeloan == 0 && ($("#achiever_years").val() < achiever_year_min || $("#achiever_years").val() > achiever_year_max)) { var result = "Please enter year between " + achiever_year_min + " and " + achiever_year_max; document.getElementById('achieverloan-error').innerHTML = result; year_achiever_ok = 0; } if (typeloan == 1 && ($("#achiever_years").val() < achiever_min_year_unsecured || $("#achiever_years").val() > achiever_max_year_unsecured)) { year_achiever_ok = 0; //alert($('input[name=achievertypeloan]:checked').val()); var result = "Please enter year between " + achiever_min_year_unsecured + " and " + achiever_max_year_unsecured; document.getElementById('achieverloan-error').innerHTML = result; } // Get the user's input from the input elements. // Assume all input is valid (for now). // Convert interest rate from percentage to decimal // Convert from annual rate to monthly rate // Convert payment period in years to number of monthly payments var year = parseFloat(years.value); var principal = parseFloat(amount.value.replace(/,/g, '')); var rate = parseFloat(apr.value) / 100 / 12; var payments = parseFloat(years.value) * 12; // Compute the monthly payment var x = Math.pow(1 + rate, payments); var monthly = (principal * x * rate) / (x - 1); // If the result is a finite number, the user's input was good // and we have meaningful results to display if

Document : SBM calculator_js

Section du document : Reviewed executable: rate selection and monthly annuity formula

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Indication du taux

Vérifié le 3 oct. 2026

Ever caught yourself daydreaming about the perfect home with the cosy corners, the open kitchen, or maybe even that long-awaited extra room? With our latest SBM Home Loan offer, this vision can become reality sooner than you think. Benefit from one of these exclusive perks and bring your home plans to life. • Preferential interest rates as from 5.10% p.a. • 1% cashback, up to MUR 200,000, on your approved loan amount • Discounted rates and registration fees borne by the bank to ease switching from another financial institution. Apply now and make the most of this amazing campaign while it lasts! The icing on the cake? The brand-new SBM Home Club card which offers amazing discounts at selected merchant partners to style your dream home the way you want! And that’s not all. The card is available for both new and existing SBM Home Loan customers*. Visit your nearest branch to get yours now! Up to 35 years repayment term Up to 100% financing 2 years moratorium (optional) APR 5.30% p.a. based on a Rs 5,000,000 loan over 20 years. Click here to view the full terms and conditions BOM Template Click here to view terms and conditions of the Home Club Special Offers SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Up to 100% financing for eligible applicants • A repayment period of up to 35 years • A maximum of 2 years moratorium on capital repayment • Competitive rates over the lifetime of the loan • Pre-approved credit card (depending on eligibility) • Open to both SBM and non-SBM customers • Original NIC • Original proof of address (less than 3 months) • Last 6 months’ bank statements (for non-SBM customers) • For salaried individuals: Payslips for the last 3 months • For self-employed individuals: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure • Title deed (where applicable) • Site plan & Land Surveyor's report • Contrat de réservation (if any) • Evidence of contribution (if any) e.g. copy of down payment receipt or balance on account • Construction contract (where applicable) • Breakdown of cost of construction/renovation (where applicable) • Building permit and Building plan approved by authorities (where applicable) *Terms and conditions apply.

Document : SBM home

Section du document : Reviewed SBM product terms

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES We agree to be bound by the standard conditions of SBM Bank (Mauritius) Ltd (the "Bank/SBM") : 1 I /We declare that to the best of my/our knowledge and belief the particulars set out in this application are true and correct and that no information which might affect the decision of the Bank has been withheld. I/We hereby agree to abide by the rules and regulations of the bank. 2. I/We hereby authorise the Bank to contact my/our employer/s to inquire on my/our employment details including salaries. 3. I /We understand that the Bank of Mauritius has, in the exercise of the powers conferred upon it by law, established a Central Credit Bureau, the “Mauritius Credit Information Bureau” (MCIB), to collect credit information from banks regarding the credit facilities which they grant to their customers in order to enable any bank which approached for a credit facility by a customer to obtain credit information from MCIB regarding any credit facilities granted to that customer by other banks. I/We further understand that: a. T he Bank will, as part of its appraisal process of the present application access MCIB to seek information on credit facilities provided to me/us by other banks, banks, and I/we authorise the Bank to do so. b. I t will be a term of the credit facility applied for, if granted, that information regarding it shall be given to MCIB for the use of MCIB and other banks. c. I /We have the right to request from the MCIB information on what has been registered in my/our name in the MCIB. The information so collected will be kept in strict confidence by MCIB and the banks concerned. d. T he Bank reserves the right to accept or not to entertain my application for banking facilities at its sole discretion without assigning any reason whatsoever. 4. I/We authorise the Bank to debit my/our account with respect to fees, as applicable (refer to Tariff Guide on our website www.sbmbank.com. 5. I /We formally declare and undertake to disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me from or granted to me by any other lending institution. 6. I/We unreservedly certify having taken cognizance of the terms and requirements of the Borrower Protection Act 2007. I/We formally declare and undertake to: a. Disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me/us or granted to me/us by any other lending institution. b. I mmediately inform SBM Bank (Mauritius) Ltd and my/our guarantor(s), if any, should I/we be unable to repay any instalment due to the bank, and give reasons therefor and seek the concurrence of SBM Bank (Mauritius) Ltd regarding arrangements for the payment of the instalment in default. c. disclose in writing - (i) a ll other outstanding credit facilities already granted to me/us and details of any other liabilities, terms of repayment, amount still outstanding, or any instalments in arrears; (ii) my/ouraveragemonthly expenses; (iii) particulars of my/our monthly income; and (iv) such other relevant information which SBM Bank (Mauritius) Ltd reasonably requires 7. I/We (Borrower/s) further undertake to immediately inform SBM Bank (Mauritius) Ltd and my guarantor(s), if any, should I be unable to repay any instalment due to the Bank or to any other lending institution 8. By signing and agreeing to the terms of this form, I/We am/are giving my/our your consent to disclose my/our personal data, including information about my/our account/s and transactions to : a. Any company or entity within the SBM group (whether within or outside Mauritius) and other parties which intervene in the business relationship such as processing centres and credit information bureaus. b. Subcontractors, suppliers or agents on the understanding they will keep my/our personal data confidential. However I/we will not be liable if they breach confidentiality. c. Any person who may assume or acquire our rights; or d. Where required by law or regulation. 9. The Bank may have recourse to various IT systems including but not limited to credit scoring systems and profiling systems for marketing purposes in order to process and obtain automated decisions based on my/our personal data provided by me/us to the Bank. These automated systems facilitate in identifying the suitability of the Bank's product and service offering to us. 10. Where I/We have consented to receiving marketing materials from the Bank, SBM and any other entity within the SBM group may use my/our information to inform me/us by telephone, text message, email or letter of the Bank's products or services which the Bank believe may be of interest to me/us. 11. We understand that a copy of the above terms and conditions may be made available to me/us upon request. The Bank may amend its terms and conditions at any time and it will inform me/us of any changes through email, letter, notices in its branches or offices or on its website or ATMs. 1 of 2

Document : SBM linked_7df32b84719b

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES (Cont'd) 12. By signing this form I/We agree to the above terms : a. I/We acknowledge that I have read and understood the contents b. I/We confirm that the personal data provided is complete and accurate c. I/We acknowledge that the Bank will not be liable for any unauthorised disclosure of my/our personal data by a third party unless I/we have been negligent d. I/We provide my/our consent on the terms above. Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. Joint Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. 2 of 2

Document : SBM linked_7df32b84719b

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Style it the way you want! Join our SBM Home Club and benefit from exclusive discounts at select partners*. Maximum loan term: 35 years Up to 100% financing Applicable to new and existing home loan customers *Visit our website for more details.

Document : SBM linked_b14a7d42f821

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Terms and Conditions (the “Terms and Conditions”) The Terms and Conditions shall apply to the Home Loan Discount Program being carried out by SBM Bank (Mauritius) Ltd as set out below (the “Home Loan Discount Program”). Please read them carefully before availing of any discounts or offers at our Merchant Partners. Any reference to: ac “SBM”, “We”, “US” or “Our” shall mean SBM Bank (Mauritius) Ltd; and “You” shall mean the client. 1. ELIGIBILITY 1.1 T he Home Loan Discount Program is open to eligible SBM Clients, in possession of the Club Card. 1.2 The Club Card will be issued to SBM Clients: • w hose home loans have been approved and upon signature of Facility Agreement. • h aving an existing home loan account with SBM which is well serviced. Of note, if the SBM Client is not wishing to proceed with the Facility and/or cancelling the Facility, the Club Card should be returned to the nearest Branch Unit of SBM Bank (Mauritius) Ltd. 2. TERMS OF THE OFFER 2.1 You shall only be eligible to the Offer if, at the time of making a purchase: • t he Merchant is presented with the Club Card and a valid identification document; and • t he relevant purchase is made using a SBM Card, Bank Transfer or cash (whichever applicable at the respective Merchants). 3. MERCHANT OFFERS 3.1 The offers are provided by third-party merchants (“Merchant Partners”) who have agreed to offer discounts, promotions, or other benefits to eligible SBM Home Loan clients. 3.2 The terms, availability, and details of each offer may vary and are subject to change at the discretion of the Merchant Partners and/ or SBM. 3.3 Merchant Partners may impose additional terms and conditions on their offers, and SBM is not responsible for these individual terms. 3.4 All Merchant Partners’ offers are subject to availability. 3.5 SBM Bank (Mauritius) Ltd shall not be held liable in any way in case a merchant refuses to accept the Club Card and Merchant Offer, for any reason. 3.6 SBM Bank (Mauritius) Ltd shall not be held liable in any case in relation to the products and services purchased.

Document : SBM linked_b14a7d42f821

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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4. USAGE OF DISCOUNTS Discounts provided under the Program are valid until the expiry date specified on the Club Card or the maturity date of the home loan facility availed with the Bank, whichever is earlier. 4.1 Discounts cannot be transferred, redeemed for cash, or combined with any other promotions or offers unless explicitly stated. 4.2 The Club Card is personal, non-transferable, and shall be used exclusively by you 4.3 You shall ensure the safekeeping and proper use of the Club Card at all times 4.4 In the event of loss, you undertake to notify the Bank immediately. The Bank shall not be responsible for any unauthorised transactions conducted with the Club Card prior to the notification of its loss or theft. 4.5 You understand that the privileges and benefits associated with the Home Club Card are subject to change as per the Bank’s discretion and agreements with our Merchant Partners 4.6 You are responsible for any taxes, duties, or additional charges applicable to their transactions with Merchant Partners. 5. GENERAL 5.1 In case of any disagreement with any of the terms and conditions, the decision of SBM shall be final and binding on all the parties involved in this Home Loan Discount Program. 5.2 You shall fully indemnify and hold SBM harmless from and against any loss, damages, cost, liability and expenses (including legal fees), whether direct or indirect, which SBM incurs or may incur in respect of, in connection with and/or arising from the Home Loan Discount Program. 5.3 SBM reserves the right to withdraw or cancel the Home Loan Discount Program and to amend or change these Terms and Conditions at any time for whatever reason and without giving prior notice to You. The decision of SBM on all matters relating to or in connection with the Home Loan Discount Program is final, and no challenge shall be entertained. 6. LAW AND JURISDICTION The Terms and Conditions shall be governed by and interpreted in accordance with the laws of Mauritius law. The courts of Mauritius shall have exclusive jurisdiction over any disputes arising from the terms and conditions including the validity and enforceability thereof.

Document : SBM linked_b14a7d42f821

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Vérifié le 3 oct. 2026 · Page 4

SCAN ME T: (230) 207 0111 | E: sbm@sbmgroup.mu | www.sbmbank.com SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius.

Document : SBM linked_b14a7d42f821

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

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Vérifié le 3 oct. 2026 · Page 1

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES We agree to be bound by the standard conditions of SBM Bank (Mauritius) Ltd (the "Bank/SBM") : 1 I /We declare that to the best of my/our knowledge and belief the particulars set out in this application are true and correct and that no information which might affect the decision of the Bank has been withheld. I/We hereby agree to abide by the rules and regulations of the bank. 2. I/We hereby authorise the Bank to contact my/our employer/s to inquire on my/our employment details including salaries. 3. I /We understand that the Bank of Mauritius has, in the exercise of the powers conferred upon it by law, established a Central Credit Bureau, the “Mauritius Credit Information Bureau” (MCIB), to collect credit information from banks regarding the credit facilities which they grant to their customers in order to enable any bank which approached for a credit facility by a customer to obtain credit information from MCIB regarding any credit facilities granted to that customer by other banks. I/We further understand that: a. T he Bank will, as part of its appraisal process of the present application access MCIB to seek information on credit facilities provided to me/us by other banks, banks, and I/we authorise the Bank to do so. b. I t will be a term of the credit facility applied for, if granted, that information regarding it shall be given to MCIB for the use of MCIB and other banks. c. I /We have the right to request from the MCIB information on what has been registered in my/our name in the MCIB. The information so collected will be kept in strict confidence by MCIB and the banks concerned. d. T he Bank reserves the right to accept or not to entertain my application for banking facilities at its sole discretion without assigning any reason whatsoever. 4. I/We authorise the Bank to debit my/our account with respect to fees, as applicable (refer to Tariff Guide on our website www.sbmbank.com. 5. I /We formally declare and undertake to disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me from or granted to me by any other lending institution. 6. I/We unreservedly certify having taken cognizance of the terms and requirements of the Borrower Protection Act 2007. I/We formally declare and undertake to: a. Disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me/us or granted to me/us by any other lending institution. b. I mmediately inform SBM Bank (Mauritius) Ltd and my/our guarantor(s), if any, should I/we be unable to repay any instalment due to the bank, and give reasons therefor and seek the concurrence of SBM Bank (Mauritius) Ltd regarding arrangements for the payment of the instalment in default. c. disclose in writing - (i) a ll other outstanding credit facilities already granted to me/us and details of any other liabilities, terms of repayment, amount still outstanding, or any instalments in arrears; (ii) my/ouraveragemonthly expenses; (iii) particulars of my/our monthly income; and (iv) such other relevant information which SBM Bank (Mauritius) Ltd reasonably requires 7. I/We (Borrower/s) further undertake to immediately inform SBM Bank (Mauritius) Ltd and my guarantor(s), if any, should I be unable to repay any instalment due to the Bank or to any other lending institution 8. By signing and agreeing to the terms of this form, I/We am/are giving my/our your consent to disclose my/our personal data, including information about my/our account/s and transactions to : a. Any company or entity within the SBM group (whether within or outside Mauritius) and other parties which intervene in the business relationship such as processing centres and credit information bureaus. b. Subcontractors, suppliers or agents on the understanding they will keep my/our personal data confidential. However I/we will not be liable if they breach confidentiality. c. Any person who may assume or acquire our rights; or d. Where required by law or regulation. 9. The Bank may have recourse to various IT systems including but not limited to credit scoring systems and profiling systems for marketing purposes in order to process and obtain automated decisions based on my/our personal data provided by me/us to the Bank. These automated systems facilitate in identifying the suitability of the Bank's product and service offering to us. 10. Where I/We have consented to receiving marketing materials from the Bank, SBM and any other entity within the SBM group may use my/our information to inform me/us by telephone, text message, email or letter of the Bank's products or services which the Bank believe may be of interest to me/us. 11. We understand that a copy of the above terms and conditions may be made available to me/us upon request. The Bank may amend its terms and conditions at any time and it will inform me/us of any changes through email, letter, notices in its branches or offices or on its website or ATMs. 1 of 2

Document : SBM linked_1e05f3acac55

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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Vérifié le 3 oct. 2026 · Page 2

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES (Cont'd) 12. By signing this form I/We agree to the above terms : a. I/We acknowledge that I have read and understood the contents b. I/We confirm that the personal data provided is complete and accurate c. I/We acknowledge that the Bank will not be liable for any unauthorised disclosure of my/our personal data by a third party unless I/we have been negligent d. I/We provide my/our consent on the terms above. Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. Joint Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. 2 of 2

Document : SBM linked_1e05f3acac55

Section du document : Linked official terms / applicable conditions (not a guaranteed financial benefit)

Rubrique du site : Individual / Loans

Fil d’Ariane de la banque : Individual → Loans

Téléchargé le 3 oct. 2026, 12:02. En vigueur à partir du : Non indiqué.

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