Disclosed are a method for realizing smart home service, a smart home terminal and service hotspot, wherein the method includes: a smart home terminal scanning service hotspots and accessing a first scanned service hotspot; after accessing the first service hotspot, the smart home terminal acquiring an available service list from the first service hotspot, requesting the first service hotspot for a download address of a service component to be used according to the acquired available service list, if it needs to download or update the service component to be used, then downloading or updating and installing the service component according to the download address, and loading the service component to be used; the smart home terminal receiving data transmitted from peripherals, selecting an corresponding service component to send the data sent by peripherals to the first service hotspot and receiving a data processing result returned by the first service hotspot.