Enjoy greater flexibility with HSBC home loans. When it comes to your lifestyle, you have plenty of choices. So why shouldn't your home loan be just as flexible? With many different ways to structure a home loan, HSBC can customise a solution as individual as you are.
Tailor a unique home loan package to your needs with these enhanced features:
Enjoy greater flexibility on repayments should the need arise by putting your monthly instalment on hold once a year, every year throughout your loan tenor.
Variety of repayment schemes
Step-up*: Choose to pay up to 30% less on your monthly loan instalment for the first few years. This allows you to minimise your cash commitments in the initial years.
Step-down*: Alternatively, you can choose to pay up to 30% more on your monthly loan instalment for the first few years. This allows you to manage your payments in later years as you plan for your retirement.
Normal repayment: The monthly instalment is calculated based on loan amount, loan tenor and interest rate charged. This is ideal if you can meet the monthly repayment comfortably.
Option of repayment due date*
If you are not servicing your loan through CPF, you can choose your preferred repayment due date, either on the 1st, 10th, 15th, 20th or 25th of the month. This flexibility allows you to time your repayment due date to the dates you receive your salary or rental income.
Complimentary services with your home loan
HSBC's Home Assist: This service gives you complimentary access to 24-hour emergency home assistance for property emergencies related to your electrical, air-conditioning, plumbing, locksmith and pest control needs. We will take care of your repair bills, reimbursing you up to S$150 per visit for a maximum of five times a year. Click here to find out more.
More benefits from HSBC credit cards and HSBC's Personal Line of Credit
HSBC's Visa Platinum credit card is packed with both rebates, rewards and gives you the freedom to get pretty much anything you need. Apply now and enjoy perpetual annual fee waiver.
HSBC's personal line of credit is a revolving credit line with flexible monthly repayment to help you meet your personal cashflow needs. Apply now and enjoy first annual fee waiver.