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HomeSmart, the home loan that lets you rearrange your priorities anytime.
Choose to pay off your home loan in ½ the time* or withdraw the excess cash
for important things that just can't wait. Flexible features to let you
rearrange life's priorities anytime. What you want today may not be what you
want tomorrow. For example, you might decide that your main focus is paying
off the home loan as quickly as possible. But if you have a baby on the way,
you’ll naturally need funds to prepare for it. HomeSmart allows you to
withdraw any excess payments you’ve already made. Then once your finances
have stabilized, you can go back to making extra payments again. Pay more to
own your home in ½ the time*.
Consolidate all your deposits, including salary, savings and even your bonus
into one HomeSmart account. Every Ringgit you currently maintain in your
HomeSmart account, will work harder for you, reducing the amount of interest
charged and shortening your loan tenure. Since interest is calculated on a
daily basis, the moment you deposit money into your HomeSmart account, the
saving starts.
Withdraw the excess payments for other important things in life that just
can't wait, without charges and notice.
Your family should always come before anything else. Whether its music
lessons for your child, a much needed holiday with your wife, or a bigger
car for the baby, rest assured knowing that your excess payments are yours
to use as you please.
And you can easily access your money via ATM, cheque book or
online@hsbc.
HomeSmart Step-up Repayment Plan*.
Now you can own a home that matches your potential, not your salary.
HomeSmart Step-Up lets you pay less now and more when you prosper.
Lower initial payments lets you move into a grander, better home sooner.
Installments start up to 20% lower than usual for the first year and
gradually rise to match your projected income as you become more successful.
For example, your current salary may not qualify you to take up a RM300,000
loan, with a monthly installment of RM1,988. But with Step-Up your
installments starts at only RM1,591 (20% reduction) and works its way up in
subsequent years.
For more information, call 1300 88 0181 or 603 2050 7676
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