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Switch to HSBC Amanah HomeSmart-i with Zero Moving Cost. Enjoy more savings and flexibility with our lease rental rate. Terms & Conditions apply.


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

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

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


  1. Abdul Aziz Bin Muhammad Kadir (First name: Abdul Aziz Last name: Bin Muhammad Kadir)
  2. Priya A/P Subramanian (First name: Priya; Last name: A/P Subramanian)
  3. Brandon Lee Jun Kang((First name: Brandon Jun Kang; Last name: Lee)
  4. 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 < One of our mortgage specialists will call you to talk about your needs.

Apply for a mortgage

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

Standard housing financing's effective lease rental rate1
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%
Standard housing financing's effective lease rental rate1
Item Reference rate

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

Latest offers for HSBC Amanah Home Financing-i

Achieve your lifestyle goals when you move your home financing with us.

You'll get to enjoy both our discounted lease rental rate and Zero Moving Cost*.

Terms and Conditions apply.

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*HSBC Amanah Zero Moving Cost Mortgage Campaign 2024 Terms and Conditions apply. Eligible customers are entitled to the Zero Moving Cost package, capped at RM50,000 and with a 5-year lock-in period. To qualify for this package, a minimum application and approved financing amount of RM500,000 (for Klang Valley, Penang Island and Johor Bahru) or RM300,000 (for all other states, including Penang Mainland and other districts of Johor) is required.

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