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.
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**
|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) = 3.75%
(On and after 10 July 2015)
|Profit Rate p.a.||BFR – 2.00%||BR + 1.10%|
|Effective Financing Rate p.a.||4.85%||4.85%|
* A standard housing financing is a term financing with a fixed payment schedule.
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.
Click here to view the HomeSmart-i FAQ
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