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