PEARL AVENUE CONDO - Harga Unit Pearl Avenue Kondominium

Buying your first home? Getting the right home loan/financing is your first step towards home ownership. And it's not as scary as you think. Once you have figured out how much home loan/financing you require, just remember the 3 Ts: Type, Tenure and Total.

A flexible home loan/financing is your best option if you want to pay off your home loan/financing faster and reduce your interest/financing payable. How?

Reduce interest/financing payable by depositing your entire salary in the home financing account. When you need the cash, withdraw the excess payment (salary – monthly instalment = excess payment) anytime without fees.
Leave a little behind every month. Saving a little extra, even just RM50*, in your flexible home loan/financing account every month as excess payment can help you save on the interest charged.
Take a longer tenure to enjoy lower monthly instalments repayment so that it will not be burdensome should you be financially tight in certain months. A longer tenure can be shortened with excess payments you put in your home/loan financing account

Whatever your life’s priorities are, here’s a home loan that's made flexible for your changing needs.

As you move through life your priorities change. HomeSmart is a flexible home loan that lets you rearrange your priorities anytime. When buying your first home, perhaps you would want to pay it off as soon as you can by depositing excess payments. A few years down the road, you may have a child on the way. HomeSmart then lets you withdraw the excess payments to help you create a cozy home for your baby. That's the power of flexibility in HomeSmart.

Just starting out?

Finally, your dream is coming true. At this stage in life, you may not have a high level of disposable income yet HomeSmart can make every cent count. By just depositing your entire salary and leaving a little extra excess payment in your HomeSmart account every month makes a big difference in how soon you can pay off your home loan. You may also opt for the HSBC HomeSmart with Step-Up** that starts with lower initial monthly instalments and gradually rise to match your projected income as you become more successful.

Building a family?

Your family is growing. You need to renovate your home to accommodate a larger family. And you are feeling financially stretched. The excess payments you have built up over the years will now come in handy. Withdraw them to tide you over. Once your finances stabilise, you can then start depositing excess payments again.

Enjoy the power of flexibility and more

Flexible features to let you rearrange life's priorities anytime
Use the 3 Simple Ways to own your home in ½ the time*
Daily interest calculation
Easy withdrawal of excess payments
Protection for you & your loved ones

HomeSmart with Step-up

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. Instalments 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 financing, with a monthly instalment of RM1,988. But with Step-Up your instalments starts at only RM1,591 (20% reduction) and works its way up in subsequent years.

HomeSmart Reserve

With HomeSmart Reserve, you are able to get additional loan secured against your existing property. You can use this additional loan for anything you need, be it your child's education, home renovations, a relaxing family vacation or even venture into a long awaited business or investment opportunity.

HomeSmart Advantage

If you have already finished servicing the home loan/home financing of a property and the property is now unencumbered, you are able to secure a loan against the unencumbered property with HomeSmart Advantage. You can use this home loan to turn the unencumbered worth of your home into cash and in turn, it can be used for making home improvements or any other expenses.

*This is dependent on fulfilment of certain conditions namely the loan amount granted and its tenure, monthly income and savings and/or idle funds that can be maintained by the individual(s) in the HomeSmart account.

**HomeSmart Step-up is an optional feature for HomeSmart. It is only available for salaried individuals aged 40 and below. Applicable only for new purchases of properties that are under construction or completed.

Buying another home?

A second home? The most important factor to consider is how you plan to use it. You may be looking at an upgrade from your current home or even a holiday home.

As to financing your second home, the bank will take into consideration your current home loan/financing and the total monthly instalments for both home loans/financing. They should not exceed 70% of your income.

Home loans/financing features may change and it is wise not to assume that getting a similar home loan/financing as your first one is the best. Get to know the new types of home loan/financing that can help you own your second home faster and at less cost to you.

Smarter in paying it off faster

There are new types of home loans/financing in the market which allow greater flexibility, letting you own the property much faster. Flexible home loans/financing may be the best as you may have:

Flexibility to pay more where you can to shorten the home loan/financing tenure.
Withdrawal of excess payments when in need without fees or charges.
One account to manage your home loan/financing and current account.

For more information, talk to our mortgage consultant to assess your situation which may help you to make an informed decision on what home loan/financing product works best for you. You can also learn more about our flexible home loan