Home Loans - Customise your home loan today

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.

Whatever your lifestyle, HSBC can design a home loan just for you.

Payment holiday

Choose to skip repayment of your monthly loan instalment once a year, every year throughout your loan tenor^*.

Option of lock-in periods

No lock-in for maximum flexibility.
Lock-in periods of one to three years with lower interest rates.

Variety of repayment schemes

Repayment of principal and interest.
Step-up repayment – pay up to 30% less on your monthly loan instalment for the first few years.
Step-down repayment – pay up to 30% more on your monthly loan instalment for the initial years.

Choices of interest rate packages

Fixed interest rates, variable interest rates, or a combination of fixed and variable interest rates.
SmartMortgage – links your home loan to a current account with the same interest rate.
SIBOR-based – pegs your interest rate to inter-bank rate, and enjoy the flexibility to opt for the loyalty scheme that gives you an interest rate discount^#, year on year.

Option of repayment due dates

Choose from five repayment due dates to match the dates you receive your monthly salary or rental
income either on the 1st, 10th, 15th, 20th or 25th of the month.

Free your mind from worries with these complimentary services from us:

HSBC's Home Assist

This service gives you complimentary access to 24-hour emergency home assistance for emergencies related to electrical, air-conditioning, plumbing, locksmith and pest control. We will take care of your repair bills, up to S$100 per visit for a maximum of five times a year.

First year fee waiver for HSBC credit cards and personal line of credit.

Free coverage⁺ with these affordable protection plans:

• HouseSurance:
  Under the terms of your loan agreement, you are required to apply for a Mortgagee's interest insurance. As such, we offer you free first-year cover for HouseSurance, which protects the Bank's financial interest if the mortgaged property is damaged by fire, lightning, explosion and more.
  
  Important notes: If the mortgage property is Strata Titled, HouseSurance does not pay you for repairs and reinstatement. You should buy supplementary Fire & Extraneous Perils insurance to cover your renovations and improvements, and to complement your Management Corporation's insurance.
• HomeSurance Classic:
  Enjoy free coverage for the first-month on HomeSurance Classic Plan to cover your family and home contents against accidental loss and/or damage up to S$1,000,000.
• MortgageProtector:
  Enjoy first-month premium waiver on MortgageProtector to take care of unpaid mortgage in the event of total and permanent disability or death.

High upfront legal fee subsidy

Free property valuation

Make an appointment with our Mortgage Specialist on your customised package now.

For more information, please call our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) in Singapore or
(65) 6-HSBC NOW (4722 669) from overseas.

^* The Bank has the right to review the extension of the payment holiday feature after 10 monthly loan instalments have been deferred.
^# Home loans SIBOR-pegged loyalty package terms and conditions.
⁺ All above insurance products featured are subject to terms, conditions and exceptions of the policy.


Important Information
a. The board rate ("BR") quoted to you is applicable only for the loan package that you are interested in (eg private property financing at variable rate). The financial indicator(s) against which that BR is benchmarked, eg SIBOR, Prime Rate, CPF rate, etc must also be disclosed to you.
b. The BR offered to you for your loan package may be different from BRs offered to other customers for different loan packages.
c. The BR can be changed by the Bank anytime, by giving 30 days' notice, depending on market conditions and/or changes in the financial indicator(s) against which the BR is benchmarked.
d. The loan repayment schedule for the loan package that you have chosen is available either in hard copy (on request), or soft copy in the form of a home loan calculator on the Bank's website.
e. An ABS Guide on Home Loan is available and you are encouraged to get a copy and read it before committing to a loan. This guide will also be available in the MAS and ABS websites in four official languages.