Choice of lock-in and no lock-in packages
Customised interest rate packages
Complimentary services with your home loan
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Whatever home means to you, get one step closer by taking advantage of HSBC’s suite of Home Loan packages. Plus, enjoy more savings with HSBC SmartMortgage.
Speak to us to find out the latest promotional pricing.
HSBC Home Loan features
Interest Rates Packages
Enjoy the flexibility of choosing any one of the interest rate packages to suit your requirements. You may also combine fixed with SIBOR-pegged interest rate packages.
- SIBOR-pegged interest rates: Peg your interest rate to the market through our Singapore Interbank Offered Rate (SIBOR) based packages.
- Fixed interest rates: Enjoy stability by fixing your interest rate for the initial years.
- SmartMortgage: Save on interest charges and own your home faster by linking your home loan to a current account. You can offset the interest earned on your current account against your home loan interest enabling you to pay off your home loan sooner.
HSBC's Home Assist 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.
Lock-in or No lock-in Package
Choose a no lock-in package and enjoy the option of selling your property when the time is right, without any penalty. You may also opt for a lock-in period from one to three years and enjoy lower interest rates over the lock-in period.
HSBC's SmartMortgage links your home loan account with a current account, reducing interest on your home loan by offsetting interest earned on your current account.*
This simple, effective link between your home loan and current account* through SmartMortgage will help you:
- Reduce the interest payable on your mortgage. The interest# earned on your current account* will offset the interest payable on your home loan. Paying less interest means that you can save more and pay off your home loan in less time.
- Manage your finances the way you want. Your current account* is linked to your home loan, giving you flexibility to maximise control in the management of your finances and savings.
*SmartMortgage current account terms and conditions
The Bank reserves the right to adjust the SmartMortgage Current Account interest rate.
#SIBOR-pegged SmartMortgage terms and conditions
SIBOR refers to the 1-month or 3-month Singapore Interbank Offered Rate for Singapore Dollar fixed at 11 a.m Singapore time by the Association of Banks in Singapore (ABS) on the first business day of the calendar month.
The applicable interest rates, discounts and terms are subject to changes and HSBC's right of review.
Apply for a HSBC Home Loan
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Select the right loan
Get a home equity loan
Tap into the value of your home to capture investment or business opportunities.
Buy a property for commercial use
With HSBC Investment Property loan, you can enjoy competitive rates and benefits.
Exclusive privileges for HSBC Premier and HSBC Advance
You can qualify for HSBC Premier with a minimum loan size of S$800,000.
Foreigners who are keen to purchase a property in Singapore, click here to find out more about the privileges of Premier International.
You can qualify for HSBC Advance with a minimum loan size of S$200,000.
Servicing your accounts
Need help in requesting for statements or have questions relating to managing your home loan?
Beyond the Bricks - The ever-changing ways we value our home
Watch those who have experienced the home buying journey and discover how they managed the ups and downs of homeownership.
Things to note
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Enjoy interest rates from 3.7% p.a and make your plans a reality with a personal loan from HSBC.