Extended support scheme (ESS) - For Home Loan

Application process

Complete one form for each loan account.

Application is submitted by one borrower on behalf of all joint borrower(s), if applicable.

You will receive an email within 4 working days.

You may be required to submit income documents before approval.


At least 25% loss of income or loss of employment after 1 February 2020.

Please note

While the ESS Reduced Instalment Scheme can ease your monthly instalments, it comes with higher overall costs as you will pay down your principal more slowly. You should opt for it only if you really need to.

If you are enjoying payment deferment scheme until December 2020, you must pay the monthly instalment under the ESS Reduced Instalment Scheme promptly as your credit bureau record will be affected immediately when instalment is overdue.