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A couple is using a tablet; image used for HSBC Malaysia Homesmart


A home loan that's made flexible for your changing needs.

HSBC HomeSmart

Priorities change depending on where you are in life. HomeSmart is the home loan that offers the flexibility to prioritise what is most important to you.


  • Transactional flexibility of a Current Account

  • Deposit excess funds to save interest and shorten your loan tenure

  • Withdraw excess funds anytime without charges

  • Daily interest calculation

Different types of HomeSmart loan


Purchasing a new home or refinancing an existing home? Choose HomeSmart to enjoy interest savings by depositing excess fund into the HomeSmart account.

HomeSmart Reserve

Need extra fund for investment, emergency or simply for your child's education? Get additional loan on top of your existing financing with us.

HomeSmart Advantage

Leverage on your unencumbered property to get more cash, be it to improve your life or your home.

Documents required

You will need the following documents when applying for HSBC HomeSmart:

  • 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
  • If new 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 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, latest 6 months bank statements, latest financial statements and other supporting documents to support your income

Apply for HSBC HomeSmart

If you have all the documents required, then apply for HomeSmart today.

Things you should know

Indicative effective lending rate for standard housing loan1

Item Details
Reference rate Base Rate (BR) = 2.39%
(on and after 15 Jul 2020)
Interest rate per annum BR + 1.11%
Effective lending rate 3.50%

Indicative effective lending rate for standard housing loan1

Item Reference rate
Details Base Rate (BR) = 2.39%
(on and after 15 Jul 2020)
Item Interest rate per annum
Details BR + 1.11%
Item Effective lending rate
Details 3.50%

Above is based on loan amount of RM350,000, 30 years tenure, no lock-in period.

1A standard housing loan is a term loan with a fixed repayment schedule.

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You have simple needs which makes this home loan ideal for you.

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