HSBC Amanah HomeSmart-i
Benefits
- Freedom to make withdrawals on excess payments anytime without notice or charges
- Banking convenience via ATM, cheque book and online banking
- Save on lease rental rate paid and shorten your financing tenure by consolidating your deposits, including salary and savings into your HomeSmart-i account
Enjoy ZERO[@mortgages-zero-cost-campaign] moving costs with HSBC HomeSmart-i
Get up to RM50,000 worth of upfront costs waived when you finance or refinance your home with us.
Eligibility
- Individuals aged between 18 years and 60 years
- Residents and non-residents
Documents required
- A photocopy of identity card or passport
- Your latest 3 months' salary slip
- Your latest income tax return form (Form B/BE) or EA form or latest EPF statement not exceeding 12 months old
- For newly salaried employees (at least 3 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 6 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, latest 6 months of bank statements, latest financial statements and other supporting documents to support your income
Upgrade your home with a complimentary Harvey Norman gift card
Apply for home financing today and you could take home a free Smart TV, premium home appliance or anything else you fancy, with a free Harvey Norman gift card worth up to RM5,000*.
Contact our mortgage specialist on +603 2182 9217 (Mon to Fri, 9am to 5pm) to find out more.
Get a Decision in Principle
Please ensure that you have all the documents required before you apply. Before you proceed, you should make sure that:
- you're not looking for a top up facility
- you're not purchasing through a government scheme i.e. Rumah WIP
- you provide full legal name as it appears on your identity documents
Example:
- Abdul Aziz Bin Muhammad Kadir (First name: Abdul Aziz Last name: Bin Muhammad Kadir)
- Priya A/P Subramanian (First name: Priya; Last name: A/P Subramanian)
- Brandon Lee Jun Kang((First name: Brandon Jun Kang; Last name: Lee)
- Yeo Siew Li@Yoh Siew Lee (First name: Siew Li/Siew Lee; Last name /surname: Yeo/Yoh)
- Or, if you're not residing in Malaysia , please send your request to <mortgage_enquiry@hsbc.com.my. One of our mortgage specialists will call you to talk about your needs.
Apply for Home Financing
Once you've got your Decision in Principle, one of our mortgage specialists will guide you to submit your application.
If you need help please call 1300 80 2626.
Important documents
Other details
| Item | Details |
|---|---|
| Reference rate | Standardised Base Rate (SBR) = 3.00% (on and after 12 May 2023) |
| Lease rental rate per annum | SBR + 1.75% |
| Effective lease rental rate per annum | 4.75% |
| Item | Reference rate |
|---|---|
| Details |
Standardised Base Rate (SBR) = 3.00% (on and after 12 May 2023) |
| Item | Lease rental rate per annum |
| Details | SBR + 1.75% |
| Item | Effective lease rental rate per annum |
| Details |
4.75% |
1A standard housing financing is a term financing with a fixed payment schedule. Financing amount of RM350,000, 30 years tenure, 3 years lock-in period.
- Member of Perbadanan Insurans Deposit Malaysia (PIDM)
- Protected by PIDM up to RM250,000 for each depositor.*
*Visit PIDM website for more information.
Protection for you and your loved ones
At HSBC Amanah, we distribute Takaful Reducing Term Cover for Home Financing to protect you and your family from a 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 and conditions apply.
Frequently asked questions
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Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.
2. HSBC Amanah Mortgage Reward Campaign 2025 Terms and Conditions apply. Promotion period is from 1 January to 30 June 2025. Eligible customers are entitled to up to RM5,000 worth of Harvey Norman Malaysia Gift Card. To participate, a financing application of at least RM1,000,000 and above is required for new financing or refinancing of completed/under-construction residential property/serviced apartment. The financing must be accepted within 2 months of financing approval and first disbursement must occur within the next 6 months. Fulfilment will be completed within 2 months from the first disbursement. Customers may choose their preferred gift item(s) amounting to the total value of the gift card.