SBM Education Loan - Unsecured

Checked 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_7df32b84719b

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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Checked 3 Oct 2026

SBM Education Loan

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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Checked 3 Oct 2026

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

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 3 Oct 2026

How the SBM Education Loan Campaign 2026 works: • All eligible borrowers whose initial loan disbursement is effected between 11 July 2026 and 11 January 2027 will automatically qualify for a lucky draw • One winner will be selected to receive a monthly cash prize of MUR 10,000 for 12 consecutive months The SBM Education Loan has been designed to provide financial support to students wishing to pursue higher studies at recognised universities and training centres in Mauritius and abroad. With up to 100% funding of education-related expenses and competitive interest rates, the SBM Education Loan helps you focus on your studies while we take care of the financing. Key Features • Full financing of eligible education-related expenses covering tuition/exam fees, travel costs, accommodation/living expenses and other educational expenses • Competitive interest rates on both secured and unsecured loan options • Loan amount up to MUR 5,000,000 on unsecured loans • Flexible repayment options up to 20 years on secured and 10 years on unsecured loans • Up to 5 years moratorium on capital repayment • Moratorium includes a ‘breathing period’ of one year after course completion to allow the student to ‘settle down’ or complete a pupillage where required • Enjoy lower repayment instalment making the offer accessible and affordable to more people across different income groups • Open to both SBM and NON - SBM customers Consult the detailed Terms and Conditions of the SBM Educational Loan campaign here . BOM Template SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Acceptance letter from the University/College/Training institution (final letter of acceptance to be submitted prior to disbursement) • Quotation from University/ College/Training institution (including but not limited to fee structure, duration of studies, in-campus accommodation costs and costs of living) • Air tickets receipts for travel cost (where applicable) • Any other relevant documentary evidence justifying any other education related costs, which is acceptable to the Bank For Salaried Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) •Last 3 months' salary slips For Self-Employed Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) • Last 12 months' bank statements •Latest tax returns and receipts / confirmation of filing done •Details of trading income and expenditure •Trade Licence (where applicable) Who can borrow? Full-time course: The borrower should be the parents/relatives of the student Part-time course: The student can be the borrower or co-borrower with parents/relatives Will SBM Education Loan finance all the expenses? Yes, the SBM provides up to 100% financing for the studies and will cover expenses such as fees and accommodation (subject to supporting documentation). What does a moratorium on capital repayment mean? During the moratorium period, you will only pay interest on any amount disbursed thus easing your cash outflow. Until what age can the loan amount be repaid? The loan maturity date (a maximum of 10 years for unsecured loan or a maximum of 20 years for secured loan) should not exceed the retirement age of the borrower. Can the parent give the child a credit card or a prepaid card? SBM Education Loan offers the customer the possibility to give the child a free supplementary credit card. A prepaid card can also be provided to the child whereby the fees for the first card shall be waived. What do we mean by “loan will be disbursed in tranches”? For example: If a customer takes a loan of Rs 300,000 for a period of 3 years and for each year of study he needs to pay the university Rs 100,000. In the first year, the SBM will disburse Rs 100,000, in the second year another Rs 100,000 and in the third year the last sum of Rs 100,000. How does the customer end up paying less interest when the loan is disbursed in tranches? Taking the above-mentioned example into account, in the first year, only Rs 100,000 is disbursed. Interest is therefore payable on the disbursed amount only, i.e. Rs 100,000 rather than on the whole loan amount of Rs 300,000. What are security options? For unsecured loans one acceptable guarantor may be required in some instances For secured loans tangible security namely fixed deposits,immovable property or nay other collaterals acceptable to the bank is required.

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 3 Oct 2026

How the SBM Education Loan Campaign 2026 works: • All eligible borrowers whose initial loan disbursement is effected between 11 July 2026 and 11 January 2027 will automatically qualify for a lucky draw • One winner will be selected to receive a monthly cash prize of MUR 10,000 for 12 consecutive months The SBM Education Loan has been designed to provide financial support to students wishing to pursue higher studies at recognised universities and training centres in Mauritius and abroad. With up to 100% funding of education-related expenses and competitive interest rates, the SBM Education Loan helps you focus on your studies while we take care of the financing. Key Features • Full financing of eligible education-related expenses covering tuition/exam fees, travel costs, accommodation/living expenses and other educational expenses • Competitive interest rates on both secured and unsecured loan options • Loan amount up to MUR 5,000,000 on unsecured loans • Flexible repayment options up to 20 years on secured and 10 years on unsecured loans • Up to 5 years moratorium on capital repayment • Moratorium includes a ‘breathing period’ of one year after course completion to allow the student to ‘settle down’ or complete a pupillage where required • Enjoy lower repayment instalment making the offer accessible and affordable to more people across different income groups • Open to both SBM and NON - SBM customers Consult the detailed Terms and Conditions of the SBM Educational Loan campaign here . BOM Template SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Acceptance letter from the University/College/Training institution (final letter of acceptance to be submitted prior to disbursement) • Quotation from University/ College/Training institution (including but not limited to fee structure, duration of studies, in-campus accommodation costs and costs of living) • Air tickets receipts for travel cost (where applicable) • Any other relevant documentary evidence justifying any other education related costs, which is acceptable to the Bank For Salaried Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) •Last 3 months' salary slips For Self-Employed Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) • Last 12 months' bank statements •Latest tax returns and receipts / confirmation of filing done •Details of trading income and expenditure •Trade Licence (where applicable) Who can borrow? Full-time course: The borrower should be the parents/relatives of the student Part-time course: The student can be the borrower or co-borrower with parents/relatives Will SBM Education Loan finance all the expenses? Yes, the SBM provides up to 100% financing for the studies and will cover expenses such as fees and accommodation (subject to supporting documentation). What does a moratorium on capital repayment mean? During the moratorium period, you will only pay interest on any amount disbursed thus easing your cash outflow. Until what age can the loan amount be repaid? The loan maturity date (a maximum of 10 years for unsecured loan or a maximum of 20 years for secured loan) should not exceed the retirement age of the borrower. Can the parent give the child a credit card or a prepaid card? SBM Education Loan offers the customer the possibility to give the child a free supplementary credit card. A prepaid card can also be provided to the child whereby the fees for the first card shall be waived. What do we mean by “loan will be disbursed in tranches”? For example: If a customer takes a loan of Rs 300,000 for a period of 3 years and for each year of study he needs to pay the university Rs 100,000. In the first year, the SBM will disburse Rs 100,000, in the second year another Rs 100,000 and in the third year the last sum of Rs 100,000. How does the customer end up paying less interest when the loan is disbursed in tranches? Taking the above-mentioned example into account, in the first year, only Rs 100,000 is disbursed. Interest is therefore payable on the disbursed amount only, i.e. Rs 100,000 rather than on the whole loan amount of Rs 300,000. What are security options? For unsecured loans one acceptable guarantor may be required in some instances For secured loans tangible security namely fixed deposits,immovable property or nay other collaterals acceptable to the bank is required.

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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

Document section: Individuals: loan charges; not all fees are priced

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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Checked 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

Document section: Individuals: monthly ledger fee

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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_education

Document section: Published calculator configuration: PLR, margins and control ranges

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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

Document section: Reviewed executable: rate selection and monthly annuity formula

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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

Document section: Reviewed executable: rate selection and monthly annuity formula

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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

Document section: Reviewed executable: rate selection and monthly annuity formula

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 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

Document section: Reviewed executable: rate selection and monthly annuity formula

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.

Checked 3 Oct 2026

Last Updated on 5 June 2026; Prime Lending Rate 7.10

Document: SBM tariff

Document section: PLR snapshot (not a contractual rate guarantee)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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

Document: SBM calculator_js

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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up to 20 years on secured and 10 years on unsecured

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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amount up to MUR 5,000,000 on unsecured loans

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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How the SBM Education Loan Campaign 2026 works: • All eligible borrowers whose initial loan disbursement is effected between 11 July 2026 and 11 January 2027 will automatically qualify for a lucky draw • One winner will be selected to receive a monthly cash prize of MUR 10,000 for 12 consecutive months The SBM Education Loan has been designed to provide financial support to students wishing to pursue higher studies at recognised universities and training centres in Mauritius and abroad. With up to 100% funding of education-related expenses and competitive interest rates, the SBM Education Loan helps you focus on your studies while we take care of the financing. Key Features • Full financing of eligible education-related expenses covering tuition/exam fees, travel costs, accommodation/living expenses and other educational expenses • Competitive interest rates on both secured and unsecured loan options • Loan amount up to MUR 5,000,000 on unsecured loans • Flexible repayment options up to 20 years on secured and 10 years on unsecured loans • Up to 5 years moratorium on capital repayment • Moratorium includes a ‘breathing period’ of one year after course completion to allow the student to ‘settle down’ or complete a pupillage where required • Enjoy lower repayment instalment making the offer accessible and affordable to more people across different income groups • Open to both SBM and NON - SBM customers Consult the detailed Terms and Conditions of the SBM Educational Loan campaign here . BOM Template SBM Bank (Mauritius) Ltd is licensed by the Bank of Mauritius. • Acceptance letter from the University/College/Training institution (final letter of acceptance to be submitted prior to disbursement) • Quotation from University/ College/Training institution (including but not limited to fee structure, duration of studies, in-campus accommodation costs and costs of living) • Air tickets receipts for travel cost (where applicable) • Any other relevant documentary evidence justifying any other education related costs, which is acceptable to the Bank For Salaried Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) •Last 3 months' salary slips For Self-Employed Borrowers: •National Identity Card of applicant(s) •Proof of address (not older than 3 months) • Last 12 months' bank statements •Latest tax returns and receipts / confirmation of filing done •Details of trading income and expenditure •Trade Licence (where applicable) Who can borrow? Full-time course: The borrower should be the parents/relatives of the student Part-time course: The student can be the borrower or co-borrower with parents/relatives Will SBM Education Loan finance all the expenses? Yes, the SBM provides up to 100% financing for the studies and will cover expenses such as fees and accommodation (subject to supporting documentation). What does a moratorium on capital repayment mean? During the moratorium period, you will only pay interest on any amount disbursed thus easing your cash outflow. Until what age can the loan amount be repaid? The loan maturity date (a maximum of 10 years for unsecured loan or a maximum of 20 years for secured loan) should not exceed the retirement age of the borrower. Can the parent give the child a credit card or a prepaid card? SBM Education Loan offers the customer the possibility to give the child a free supplementary credit card. A prepaid card can also be provided to the child whereby the fees for the first card shall be waived. What do we mean by “loan will be disbursed in tranches”? For example: If a customer takes a loan of Rs 300,000 for a period of 3 years and for each year of study he needs to pay the university Rs 100,000. In the first year, the SBM will disburse Rs 100,000, in the second year another Rs 100,000 and in the third year the last sum of Rs 100,000. How does the customer end up paying less interest when the loan is disbursed in tranches? Taking the above-mentioned example into account, in the first year, only Rs 100,000 is disbursed. Interest is therefore payable on the disbursed amount only, i.e. Rs 100,000 rather than on the whole loan amount of Rs 300,000. What are security options? For unsecured loans one acceptable guarantor may be required in some instances For secured loans tangible security namely fixed deposits,immovable property or nay other collaterals acceptable to the bank is required.

Document: SBM education

Document section: Reviewed SBM product terms

Website section: Individual / Loans

Bank breadcrumbs: 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

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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TERMS & CONDITIONS 1. These terms and conditions (“Terms”) govern the SBM Education Loan Campaign 2026 (“SBM Education Loan Campaign” or the “Campaign”) organised by SBM Bank (Mauritius) Ltd (“SBM”). By participating in the Campaign, each participant agrees to be bound by these Terms. For the purposes of these terms, unless the context otherwise requires: “SBM Education Loan” means a lending facility granted by SBM to finance studies locally and internationally. “Eligible SBM Education Loan” means an SBM Education Loan where the first disbursement is effected during a Campaign Period and which is not in arrears or delinquent at the end of each relevant Campaign Period and at the time of the lucky draw. “Campaign Period” means the Campaign Period running from 11 July 2026 to 11 January 2027 (inclusive). “Borrower” means any individual who applies for, receives or is obligated to repay the Education Loan, including any co-applicant where applicable. “Winner” means the main borrower, as recorded in SBM’s systems, of an Eligible SBM Education Loan selected by way of a lucky draw during the Campaign Period. Where the loan is jointly contracted, the prize shall be credited into the SBM account servicing the loan. “GRA” means the Gambling Regulatory Authority of Mauritius 2. The Campaign will run over a Campaign Period of six (6) months, and the prize is as follows: Campaign Campaign Duration Prizes Period From To Campaign 11 July 2026 11 January 2027 One winner who shall obtain a monthly cash prize of MUR 10,000 for 12 consecutive months. The monthly amount will be credited into the SBM Bank account servicing the loan 3. All Eligible SBM Education Loans will automatically qualify for the lucky draw, subject to the borrower continuing to satisfy the eligibility criteria at the end of the Campaign Period and at the time of the lucky draw. 4. The lucky draw will be conducted after the end of the campaign period. 5. SBM staff benefitting from preferential lending rates are not eligible for participation in the

Document: SBM linked_fd9c54b1de6a

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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Campaign. 6. The lucky draw will be conducted at the Mauritius Turf Club under the supervision of the Gambling Regulatory Authority (GRA) in accordance with the GRA Act. The winners shall be subject to verification and be subsequently contacted. 7. Cash Prizes will be awarded to the winners only upon presentation of a valid national identity card or passport. Failure to present a valid identification may result in forfeiture of the prize. 8. SBM may publish the winning ticket number in all marketing campaigns, press communiqués and advertising supports. SBM shall require the explicit written consent of the winners in order to publish such winners’ names and photos in press communiqués and advertising supports as well as at point of sales without having to pay any fee or compensation to the winners. 9. Refusal to grant publicity consent shall not affect the winner’s eligibility to receive the cash prize. 10. The cash prize must be claimed within six (6) months from the date of announcement of the winners by SBM, failing which the prize shall deemed forfeited, without any compensation. 11. 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 the Campaign. 12. Subject to the written consent of the GRA, SBM reserves the right to suspend, withdraw or cancel the Campaign and/or amend the present Terms and Conditions of the promotion at any point in time for whatever reason without incurring any liability, and without giving prior notice to participants to the Campaign. 13. If there is any reason to believe that there has been a breach of these Terms and Conditions, SBM may, at its sole discretion, exclude a borrower from participating in the Campaign without assigning any reasons whatsoever. 14. The Bank shall not be liable for any loss, damage, delay or technical failure arising out of the Campaign except where caused by gross negligence or wilful misconduct of SBM. 15. SBM shall not be responsible for any consequences arising from incorrect contact details provided by the Borrower. 16. Borrowers shall indemnify SBM and hold harmless SBM against all claims resulting from their breach of these Terms or misuse of the Campaign. 17. The Bank shall not be liable for failure to perform obligations due to events beyond its reasonable control, such as Force Majeure. 18. If any clause is found invalid, the remaining clauses shall remain in full force.

Document: SBM linked_fd9c54b1de6a

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

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19. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Mauritius. 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_fd9c54b1de6a

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: 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_1e05f3acac55

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: 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_1e05f3acac55

Document section: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Website section: Individual / Loans

Bank breadcrumbs: Individual → Loans

Downloaded 3 Oct 2026, 12:02. Effective from: Not stated.