Terms and Conditions

NOTE: All above does not constitute an offer of credit. All applications are subject to our terms and conditions and credit evaluation. A monthly service fee of RM10 is imposed on all HomeSmart account. Terms and conditions in the legal documentation apply.

Pay off your home loan in ½ the time:
This is dependent on fulfilment of certain conditions namely the loan amount granted and its tenure, monthly income and savings and/or idle funds that can be maintained by the individual in the HomeSmart account.

HomeSmart Step-up Repayment Plan:
Step-up is an optional feature for HomeSmart. It is only available for salaried individuals aged 40 and below. Applicable only for new purchases of properties that are under construction or completed.

Free moving cost:
Subject to the Bank’s absolute discretion, free moving cost package is only applicable to home financing above RM100,000. Moving costs refer to, inter alia, legal fees, valuation fees, stamp duty and other disbursement or charges relating to the preparation of the legal documentation by the Bank’s panel lawyers. The Bank reserves the final right to revise or amend the free moving cost package from time to time. It is also subject to the final terms and conditions as stated in the legal documentation.