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Financing flexibility that lets you surge forward

One thing for sure, no one can predict what’s going to happen in the future. Having a home financing package that gives you the flexibility to adapt makes a big difference. Based on the principle of Diminishing Musharakah, HomeSmart-i gives you more control in your life and the flexibility to adapt to different priorities that may arise in the future.

You call the shots

  • Freedom to make prepayments anytime without notice or charges.
  • Freedom to make withdrawals on excess payments anytime without notice or charges.
  • Banking convenience via ATM, cheque book and Internet banking.
  • Enjoy 20% stamp duty waiver on financing documents on new home purchases*.
  • Stamp duty waiver for refinancing from your existing conventional home loan to HomeSmart-i. (For outstanding principal balance only*).

All-in-one package account

  • Consolidate all your deposits including salary, savings and even your bonus into one HomeSmart-i account.
  • Reduce the total amount of payment and significantly shorten your financing tenure.


Refinance your existing conventional home loan with HomeSmart-i to possibly reduce your monthly payments, free up cash for other priorities or to enjoy greater flexibility in managing your cash flow. On top of that, you can also enjoy fee waiver on stamp duty**

Standard Housing Financing’s Effective Financing Rate

Effective Financing Rate for standard housing financing*
(Financing amount of RM350,000, 30 years tenure, no lock-in period)
Reference Rate Base Financing Rate (BFR) = 6.85%
(Prior to 2 Jan 2015)
Base Rate (BR) = 3.90%
(On and after 2 Jan 2015)
Profit Rate p.a. BFR – 2.00% BR + 0.95%
Effective Financing Rate p.a. 4.85% 4.85%

* A standard housing financing is a term financing with a fixed payment schedule.

Protection for you & your loved ones

At HSBC Amanah, we distribute Takaful Reducing Term Cover for Home Financing to protect you and your family from home financing burden should the unexpected happen. Complete your protection with Homeowner Takaful Scheme and enjoy peace of mind.

*This is dependent on fulfilment of certain conditions, namely the financing amount granted and its tenure, monthly income and savings and/or idle funds that can be maintained by the individual(s) in the HomeSmart-i account.

**Terms & conditions apply

Click here to view the HomeSmart-i Product Disclosure Sheet.

What's next?

Ready to start?

Apply Now

For more help
Call 1300 80 2626

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What's New

Notice: Bring home a Sharp In-Car Air Purifier* worth RM459 and up tp RM150 Cash Back*!

Contact HSBC Amanah

Local Call - 1300 80 2626

Overseas Call - 603 8321 5200

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