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Home Financing

HomeSmart

Take advantage of flexible home loans designed to meet your changing needs with HomeSmart from HSBC. It lets you make higher payments if you want to pay off your loan as quickly as possible, withdraw excess payments if you need extra cash when circumstances change and much more.

Buying your first home

Make every cent of your salary count with HomeSmart. Depositing your salary and leaving a little extra excess payment in your HomeSmart account every month can make a big difference to how quickly you can pay off your home loan.

Releasing money from your loan

If you need money to extend your home to accommodate a growing family or to make essential repairs, you can withdraw excess payments from your HomeSmart loan. Once your finances stabilise, you can start making excess payments again.

Other benefits of HomeSmart

  • Daily interest calculation
  • Easy withdrawal of excess payments
  • Use the 3 Simple Ways to own your home in half the time*

HomeSmart Reserve

Get an additional loan secured against your existing property with HomeSmart Reserve. You can use this to pay for your child's education, make home renovations, book a relaxing family vacation or even venture into a long-awaited business or investment opportunity.

HomeSmart Advantage

If you have an unencumbered property you can secure a loan against the property with HomeSmart Advantage. Use this home loan to turn the worth of your home into cash for home improvements or any other expenses.

* This is dependent on fulfilment of certain conditions including the loan amount granted, its tenure, monthly income ,savings and/or idle funds that can be maintained by the individual(s) in the HomeSmart account. This is not an offer of credit. All applications are subject to our Terms & Conditions and credit evaluation.

Documents required

  • A photocopy of identity card or passport
  • Your latest three month's payslips
  • Your latest income tax return form (Form B/BE) or EA form or latest EPF statement from the last 12 months
  • If new salaried employees (at least three months in service), Letter of Appointment or Confirmation letter from employer stating salary/ allowances
  • Sale and Purchase Agreement/ deposit or booking receipt/ letter of offer from the housing developer
  • A photocopy of the land title (if any)
  • The latest bank statements dating back six months (compulsory in the absence of salary slips and/ or EA Form) showing salary/ payment credited to the account
  • If you are self-employed, you need to provide your business registration documents, bank statements from the last six months, financial statements and other supporting documents to support your income

Eligibility criteria

There are several ways to qualify for HSBC Premier, including:

  • Total Relationship Balance1 of at least RM200,000 at all times
  • Premier Mortgage2- Minimum home loan of RM1,000,000
  • Premier by Perks@Work3- Minimum monthly salary of RM16,500 credited continuously each month into HSBC account in Malaysia

Read full details.

A HSBC Premier Account fee of RM150 (and applicable tax, if any) will be applied for the month if you do not meet the Premier eligibility criteria. 
 

1Total Relationship Balance includes any: Deposits in Current Account/-i, Savings Account/-i, Time Deposits, Term Deposits-i, and/ or investments in Unit Trust Funds/ Shariah-compliant Unit Trust funds, Structured Investments/-i, Dual Currency Investments/-i and/or Direct Retail bond, and/or Cash value from Family Takaful/Life Insurance products with Investment-linked and savings components. 

2Account Fee waiver until full and final settlement of home loan/financing

3Account fee waiver as long as you fulfil the qualification criteria

Apply for HSBC Premier

Apply online

Complete the online form and find out more about what HSBC Premier can do for you.

Apply by phone

Call us on 1 300 88 9393 (local)

or +603 8321 5222 (overseas call collect)

Apply in branch

Find your nearest branch and apply for HSBC Premier in person.

Things you should know

HSBC Premier Eligibility Full Details

Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Qualification Criteria Premier Fee waiver period
Premier in One, Premier in All (P1PA) Hold an HSBC Premier account anywhere else in the world For as long as you/ your company hold the HSBC/ HSBC Amanah relationship stated in the immediate column to the left.
Premier Group Private Banking (GPB) Hold an HSBC Group Private Banking account anywhere else in the world
Premier Global Banking and Markets (GBM) Director, Partner or Senior Manager of selected companies which have relationship with HSBC/HSBC Amanah Global Banking and Markets (GBM)
Premier Mortgage*

* Opening of HSBC Premier Account is not mandatory while you can enjoy personalized services from a dedicated Premier Relationship Manager or Premier Associate. To unlock the full range of Premier Benefits, you need to open an HSBC Premier Account.
Have a minimum housing loan/financing amount of RM1,000,000 Until full and final settlement of home loan/financing
Premier by Perks@Work Minimum monthly salary of RM16,500 credited continuously each month into HSBC/HSBC Amanah Account/-I in Malaysia For as long as you fulfil the qualification criteria stated in the immediate column to the left
Premier CMB Director or Business owner of a corporate with Commercial Banking relationship with HSBC/HSBC Amanah 24 months
Premier Family Going abroad to further studies and currently under the age of 25 years old with parent or legal guardian holding a qualified HSBC Premier/HSBC Amanah Premier in Malaysia 60 months

Things you should know

HSBC Premier Eligibility Full Details

Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier in One, Premier in All (P1PA)
Qualification Criteria Hold an HSBC Premier account anywhere else in the world
Premier Fee waiver period For as long as you/ your company hold the HSBC/ HSBC Amanah relationship stated in the immediate column to the left.
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier Group Private Banking (GPB)
Qualification Criteria Hold an HSBC Group Private Banking account anywhere else in the world
Premier Fee waiver period
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier Global Banking and Markets (GBM)
Qualification Criteria Director, Partner or Senior Manager of selected companies which have relationship with HSBC/HSBC Amanah Global Banking and Markets (GBM)
Premier Fee waiver period
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier Mortgage*

* Opening of HSBC Premier Account is not mandatory while you can enjoy personalized services from a dedicated Premier Relationship Manager or Premier Associate. To unlock the full range of Premier Benefits, you need to open an HSBC Premier Account.
Qualification Criteria Have a minimum housing loan/financing amount of RM1,000,000
Premier Fee waiver period Until full and final settlement of home loan/financing
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier by Perks@Work
Qualification Criteria Minimum monthly salary of RM16,500 credited continuously each month into HSBC/HSBC Amanah Account/-I in Malaysia
Premier Fee waiver period For as long as you fulfil the qualification criteria stated in the immediate column to the left
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier CMB
Qualification Criteria Director or Business owner of a corporate with Commercial Banking relationship with HSBC/HSBC Amanah
Premier Fee waiver period 24 months
Exceptional Entry Criteria for HSBC Premier/HSBC Amanah Premier Premier Family
Qualification Criteria Going abroad to further studies and currently under the age of 25 years old with parent or legal guardian holding a qualified HSBC Premier/HSBC Amanah Premier in Malaysia
Premier Fee waiver period 60 months