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Financing flexibility that lets you decide what is most important

HSBC Amanah HomeSmart-i

One thing's 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.


  • 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


  • Individuals aged between 18 years and 60 years
  • Residents and non-residents

Apply for HomeSmart-i

If you need help please call 1300 80 2626.

Important documents

Other details

Standard housing financing's effective lease rental rate1

Item Details
Reference rate

Base rate (BR) = 2.39%

(on and after 15 Jul 2020)

Lease rental rate per annum BR + 1.11%
Effective lease rental rate per annum 3.50%

Standard housing financing's effective lease rental rate1

Item Reference rate

Base rate (BR) = 2.39%

(on and after 15 Jul 2020)

Item Lease rental rate per annum
Details BR + 1.11%
Item Effective lease rental rate per annum
Details 3.50%

1A standard housing financing is a term financing with a fixed payment schedule. Financing amount of RM350,000, 30 years tenure, no lock-in period.

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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