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Home Mortgage Loan
Our home loan advisors will provide you with one-on-one service every step of the way to make the experience of buying your dream home as hassle-free as possible.
HSBC's Latest Home Mortgage Loan Feature
Wondering what the best home mortgage loan solution is?
HSBC's new Smart Mortgage can help you flexibly manage your money and save interest on your home mortgage loan every day, while allowing you to withdraw or transfer your funds whenever you need them.
Key Benefits
- Integrated account combining deposits and home mortgage loan
- With the privilege of balance offsetting, you can save loan interest on a daily basis, accelerate your total principal repayment and shorten the loan tenure.
- No minimum outstanding loan balance requirement; Balance offset up to 60%.
- Withdraw, deposit or transfer cash at any time.
- Fixed monthly installment amount with auto payment convenience.
Example 1
| Ms. Zhang | - Single and Salaried Worker |
| Monthly Family Income | - RMB 20,000 |
| Monthly Saving | - RMB 3,000 |
| Loan amount | - RMB 1,000,000 |
| Tenure | - 20 years |
| Simulation | Standard Home Mortgage Loan | Smart Mortgage |
| Loan Interest Rate* | 6.80% | 7.05% |
| Offset Percentage | 0 | 60% |
| Monthly Installment | RMB 7,633.40 | RMB 7,783.03 |
| First Loan Principal | RMB 1,966.73 | RMB 1,925.66 |
| First Loan Interest | RMB 5,666.67 | RMB 5,857.38 |
| Loan Tenure | 240 months | 191 months |
Example 2
| Mr. &Mrs. Wang | - Affluent Couple with a 8-year-old Son |
| Monthly Family Income | - RMB 50,000 |
| Monthly Deposit | - RMB 100,000 |
| Loan amount | - RMB 1,500,000 |
| Tenure | - 25 years |
| Simulation | Standard Home Mortgage Loan | Smart Mortgage |
| Loan Interest Rate* | 6.80% | 7.05% |
| Offset Percentage | 0 | 60% |
| Monthly Installment | RMB 10,411.02 | RMB 10,649.58 |
| First Loan Principal | RMB 1,911.08 | RMB 2,424.58 |
| First Loan Interest | RMB 8,500.00 | RMB 8,225.00 |
| Loan Tenure | 300 months | 263 months |
Example 3
| Mr. Chen | - Business Owner |
| Monthly Family Income | - RMB 100,000 |
| Monthly Deposit | - RMB 300,000 |
| Loan amount | - RMB 1,500,000 |
| Tenure | - 20 years |
| Simulation | Standard Home Mortgage Loan | Smart Mortgage |
| Loan Interest Rate* | 6.80% | 7.05% |
| Offset Percentage | 0 | 60% |
| Monthly Installment | RMB 11,450.09 | RMB 11,674.55 |
| First Loan Principal | RMB 2,950.09 | RMB 4,624.55 |
| First Loan Interest | RMB 8,500.00 | RMB 7,050.00 |
| Loan Tenure | 240 months | 186 months |
* For indication only. Interest rate offered is subject to the Bank's customer credit assessment result and prevailing pricing policy.
Disclaimer and Notification
- 1. No saving interest will be paid on any deposit in the integrated “Smart Mortgage” account. Loan interest saving may be less than deposit interest forfeited if deposit balance is more than 60% of outstanding loan principal.
- All the information in the example above is based on general assumptions and reasonable estimations to better explain product features. All figures in the sample are for demonstration purposes only and cannot be regarded as a recommendation of the aforementioned products.
HSBC Smart Mortgage helps you save loan interest, shorten loan tenure and manage your spare money in a more flexible way.
Apply now!
For more details please visit any HSBC branch in mainland China or call us.
- Call us on:
800-830-2880
(or +86-20-83918133 if outside of mainland China or using a mobile phone).
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