This document describes HSBC Amanah HomeSmart-i, an Islamic home financing product that provides flexibility. It uses the Shariah principle of Diminishing Musharakah, which is a partnership between the bank and customer where the bank's share of ownership diminishes over time until full ownership transfers to the customer. HomeSmart-i allows customers to make extra payments or withdraw excess payments for other priorities. It also offers options like Step-Up that provide lower initial monthly payments and the ability to refinance with additional facilities like Reserve for renovations or investments.

1. HSBC ID AMANAH
Islamic Finance for Life
HomeSmart-i
Home financing that lets you
prioritise what's important
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Issued by 1-/SBC Amanah Malaysia Berhad (Company No. 807705-X)
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2. I
HomeSmart-i
Unless you're able to predict the future, who knows
what lies in store for each of us.
Plans change.
People change.
Priorities change.
Who is it for?
HSBC Amanah HomeSmart-i
is a home financing product
that caters for your individual
needs as well as your future.
Based on the Shariah principle
of Diminishing Musharakah, it
gives you more control in
your life and the flexibility to
adapt to different priorities
that may arise in the future.
What is Diminishing
Musharakah?
This means the nature of the contract is
accrownership between the bank and
the customer. The share of the bank
will continue to diminish throughout
the financing tenure, which ultimately
results in the transfer of ownership
to the customer.
It is a partnership between the bank
and you, in accordance with Shariah
laws.

3. I
[r
You call the
shots
Your priorities today will probably
change next month or next year.
Maybe your origina1 plan was to settle
your home financing as soon as
possible, but along the way you realize
that a relaxing family vacation or a
bigger car is your immediate priority.
No worries I HomeSmart-i gives you the
flexibility of making extra payments,
while allowing you to withdraw any
excess payments you've already made
for your immediate priorities.
Own your home in
half the time*
That's right! You'll have the flexibility
to consolidate all your deposits
including salary, savings and even
your bonus into one HomeSmart-i
account.
As such, you are able to reduce
the total amount of payments and
significantly shorten your financing
tenure.
Here's an illustration of how HomeSmart-i's flexibility lets you
shorten your financing tenure and save money anytime
without charges and notice.
Facility Amount (RM)
Savings To Customers
Based on
traditional
home
' , ~ financing
' '
' '
' '
'
' Facility
'Tenure
Reduced financ1ng pcnod
This is just an example. The figure adopted herein is for Illustration purposes only.
• This is dependent on fufflffment of certam conditions, namely the fmancmg amount granted and 1ts tenure, monthly mcome and
savings and/or 1dfe funds that can be mamtamed by the mdiV!dual m the HomeSman-1 account.
~
The povver
to do as you
wish with
your cash
Whether it's for your child's education, a
more comfortable car for the family or even
to make a down payment on another
property, it's good to know that you are
free to do as you please with your excess
payments. And what's more, you can easily
access your money via ATM. cheque book
or Internet banking.
What is refinancing?
It means taking your current home
financing and refinancing it with
another financial institution. You
can choose to refinance with HSBC
Amanah, possibly to reduce your
monthly payments, to free up cash
for other priorities or to enjoy greater
flexibility in managing your cash
flow.
Don't let anyone else decide how
you should live. Switch to HSBC
Aman<lh HomeSmart-i now
A Subject to the Bank's absolute discretion, the free moving cost package is only applicable to home financing above
RM700,000. Moving costs refer to mter aha, legal fees, valuation fees, stamp duty and other disbursements or charges
relating to the preparation of the legal documentation by the Bank's pane/lawyers. The free moving cost package is
subject to the terms and cond1t1ons as stated m the legal documentation.

4. HomeSmart-i
Step-Up**
With HomeSmart-i Step-Up
payment plan, you have the
flexibility of owning a home
that may seem beyond your
present financial status.
Step-Up allows you to
have lower initial monthly
payments, which will then
gradually increase based on
your potential.
~ What you get:
Lower initial payments.
The possibility of moving
into your dream home
sooner.
Repayments that start
at up to 20% lower for
the first year.
E.g. For a home financing amount of
RM300,000, your monthly payment
of RM 1,988 might be a little
too high for you at the present
moment. HONB've(, with HomeSmart·i
Step-Up repayment plan, your
first year's monthly payment will
start at RM 1,591 (approximately
20% less) and will gradually
increase over the next 5 years,
parallel with your potential.
HomeSmart-i Reserve
With Reserve, if your home is already
financed with HomeSmart-i, you will also be
able to get additional financing that is
secured against your existing property at a
home financing rate.
E.g. If you had taken on a home financing of RM200,000
with HomeSmart-i and you have already made
RM50,000 in repayments, you will be able to apply for
HomeSmart-i Reserve and get RM50,000 back or up to
90% in aggregate of your property's current market
value in additional financing.
What are the benefits?
You can use the additional finances to do
home renovations, refurbish your home or
even venture into a long awaited business
or investment opportunity. You can do it with
this additional financing facility from HSBC
Amanah.
N OTE: All of the above does not constitute an offer of credit. All applications are subject to our terms and conditions and
credit evaluation. A monthly service fee of RM70 is imposed on all HomeSmart-i accounts. Terms and conditions in the
legal documentation apply.
"• Step-Up is an optional feature for HomeSmart-i. It is only available for salaried individuals aged 40 and below. Applicable only for new
purchases of properties that are under construction or completed.
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Own your home in half the time!·
[T
High margin of finance!
Longer home financing tenure I
(Up to 30 years or age 65, whichever is earlier.)
It's your
decision!Daily profit calculation!
(The more you deposit, the more you save f)
Freedom to do prepayments anytime without notice or charges!
Freedom to do withdrawals on your excess payments without notice
or charges!
Banking convenience via ATM, cheque book and Internet banking I
Enjoy 20% stamp duty waiver on new home purchases!
Refinance with HomeSmart-i and enjoy FREE moving cost",
including stamp duty waiver!
(For outstanding principal balance only.)
Lower initial monthly repayments with HomeSmart-i Step-Up ** !
Additional financing facility with HomeSmart-i ReserveI
HSBC IDAMANAH
Zilfahalila Binti Mustapa
Mortgage Sales Executive
T. 03 8076 2591
M. 0122040195
F. 03 8070 9745 I 8243
louiscbpua@hsbc.com.my
HSBC Amanah Malaysia Berhad
{Company number 807705-X)
Level 3, No.7, Jln Kenari 5,
Bandar Puchong Jaya,
47100 Puchong,
Selangor D. E., Malaysia
Telebanking Centre:
1300 80 2626
www.hsbcamanah.com.my