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Monthly flat rate as low as 0.10% ¹ and Handling fee waiver
Whether big or small, your goals can be fulfilled with the help of HSBC's Personal Instalment Loan


Sign up for HSBC's Personal Instalment Loan successfully from 31 March 2017 to
29 May 2017 to enjoy the offers below:
  • Monthly flat rate as low as 0.13% (APR as low as 2.92%)1
  • Handling fee waiver
  • Apply online to enjoy up to HK$300 cash rebate2
    (Applicable to approved loan amount of HK$200,000 or above)
  • Set up auto payroll service to enjoy HK$500 cash rebate3
    (Applicable to approved loan amount of HK$100,000 or above)
  • Loan amount of up to HK$1,500,000 or 12 times of the monthly salary4
  • Choice of repayment period from 6 months to 60 months
  • 5-minute approval5 - no income proof is required if you have maintained an auto payroll account with HSBC for one month or above6
  • Cash withdrawal from over 1,000 HSBC's ATMs and branches
  • Simple application by telephone or online and submit supporting document(s) online



Call   2748 80807
Click  www.hsbc.com.hk/loan8

Preferential interest rate for personal instalment loan
As an illustration, total repayment amount is HK$10,624.8 based on HK$10,000 loan amount and 12 months repayment period. The highest APR of this promotion is 12.20%.



Remarks of the monthly repayment table
  1. The above table applies to customers who successfully apply for and draw down a personal instalment loan (the "Loan") with a minimum Loan amount of HK$5,000 (the "Customers") during the promotional period which commences on 31 March 2017 and expires on 29 May 2017, both dates inclusive (the "Promotional Period").
  2. The interest rate that will apply and the amount of interest that will be charged are calculated based on the approved Loan amount and the repayment period.
  3. A handling fee which is equivalent to 1% per annum of the approved Loan amount for the repayment period calculated on a pro-rata basis is waived if the Loan application is received and successfully approved by the Bank during the Promotional Period.
  4. Repayment of the entire Loan prior to the final Loan repayment date is subject to repayment of the outstanding principal amount of the Loan and a sum equal to 2% of initial approved Loan amount as stated in the Loan confirmation letter (notwithstanding any re-drawn Loan) as specified in Clause 5 of the Bank's Personal Instalment Loan Terms and Conditions. The Bank reserves the right to debit such amounts from the Customer's Loan repayment account or other accounts with the Bank (if applicable).
  5. The monthly repayment amount and the Annualised Percentage Rate (APR) is calculated based on 12, 18, 24, 36, 48 or 60-month repayment period and loan amount of every HK$10,000. The monthly repayment amount is rounded up to one decimal place. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. Please visit any HSBC Branch in Hong Kong for further details of the repayment table and cases where the handling charge will be advanced as a further loan and added to the approved Loan amount. Please note that the actual monthly repayment amount may differ. Customers can refer to the Loan confirmation letter for actual related information.
  6. The proportion of interest and principal in each monthly repayment is calculated according to the Rule of 78.
  7. If your Loan application cannot fulfil our credit requirement, the Bank may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted. The Bank will inform you on the finalised Loan details. If you accept the Loan details, we will credit the Loan into your repayment account according to normal procedure.
  8. Please contact our staff or call our hotline for details on other repayment periods.
Remarks
  1. Only applicable to customers who successfully apply for and draw down the loan during the promotional period with an approved loan amount of HK$700,000 or above. Monthly flat rate is 0.13% and Annualised Percentage Rate (APR) is 2.92% for a repayment period of 12 months including handling fee waiver. The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks, and is rounded up or down to the nearest two decimal places. An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.
  2. Applicable to loan applications submitted via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking and approved during the Promotional Period. A customer is entitled to HK$200 cash rebate for approved loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved loan amount of HK$200,000 or above.
  3. This offer is only applicable to any customer who successfully applies for the loan with approved amount of HK$100,000 or above and sets up a monthly auto payroll service for a consecutive 3-month period.
  4. The lower one applies.
  5. Applications have to be submitted during the Bank's service hours (Monday to Friday: 9 am - 8 pm, Saturday: 9 am - 1 pm, except public holidays, or individual branch's opening hours) with all required information (including without limitation a valid HSBC banking account number) and documents. Actual turnaround time starts when all the required information is successfully inputted into the Bank's application evaluation system. Processing time may vary in some cases depending on the actual circumstances of individual applications.
  6. For irregular income earners (including customers working on a part-time, commission or profit-sharing basis, contractors, independent contractors or freelance), no income proof is required if they have maintained an auto payroll account with HSBC for at least three months.
  7. Hotline business hours: Monday to Friday: 9 am - 10 pm; Saturday: 9 am - 6 pm. Except public holidays.
  8. Logon to HSBC Personal Internet Banking, choose "Apply for Personal Instalment Loan" under "My Quick Links" to access the application form. If you are not a current HSBC Personal Internet Banking user, you can register instantly to access to Internet Banking services.
HSBC's Personal Instalment Loan Promotional Terms and Conditions
  1. The promotional period of personal instalment loan ("Loan") commences on 31 March 2017 and expires on 29 May 2017, both dates inclusive (the "Promotional Period").
  2. Customers who submit the Loan application to The Hongkong and Shanghai Banking Corporation Limited, Hong Kong (and its successors and assigns) (the "Bank") and whose application is approved during the Promotional Period are eligible for the offers under this promotion ("Eligible Customers").
  3. The Bank reserves the right to amend these Terms and Conditions at any time with appropriate notice.
  4. Employees of the Bank and other members of the HSBC Group are not eligible for this promotion.
  5. In case of any dispute, the decision of the Bank shall be final and conclusive.
  6. In the event of any discrepancy between the English and Chinese versions of these Terms and Conditions, the English version shall apply and prevail.
  7. These Terms and Conditions are governed by and will be construed in accordance with the laws of the Hong Kong Special Administrative Region.
  8. These Terms and Conditions are subject to prevailing regulatory requirements.
  9. No person other than the customer and the Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
Applicable to Handling Fee Waiver Offer ("Fee Waiver Offer") only:
  1. The Bank shall, subject to these Terms and Conditions, waive in favour of each Eligible Customer the handling fee of the personal instalment loan application (the "Handling Fee") otherwise chargeable by the Bank. The Handling Fee is 1% per annum of the loan amount for the repayment period calculated on a pro-rata basis.
  2. The Fee Waiver Offer is only applicable to any personal instalment loan application approved by the Bank during the Promotional Period and is not applicable to any re-drawn part of the loan. Any re-draw of the repaid loan amount is subject to a re-draw charge.
Applicable to Up to HK$300 Online Exclusive Offer ("Online Exclusive Offer") only:
  1. To be eligible for up to HK$300 Online Exclusive Offer, an Eligible Customer must submit the Loan application via HSBC website www.hsbc.com.hk or HSBC Personal Internet Banking (each of these channels is referred to as "Online Channel") and the Loan must be approved during the Promotional Period.
  2. An Eligible Customer is entitled to HK$200 cash rebate for approved Loan amount of HK$50,000 to less than HK$200,000, or is entitled to HK$300 cash rebate for approved Loan amount of HK$200,000 or above.
  3. Each Eligible Customer is entitled to the Online Exclusive Offer once only under this promotion.
  4. The cash rebate will be credited to each Eligible Customer's Loan repayment account on or before 31 August 2017 (the "Online Exclusive Offer Credit Date") without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Online Exclusive Offer Credit Date in order to enjoy the Online Exclusive Offer.
  5. An Eligible Customer who cancels his/her Loan on or before the Online Exclusive Offer Credit Date will not be eligible for the Online Exclusive Offer.
Applicable to HK$500 Auto Payroll Offer ("Payroll Offer") only:
  1. To be eligible for HK$500 cash rebate under the Payroll Offer, an Eligible Customer must successfully apply for the Loan with approved amount of HK$100,000 or above and set up a monthly auto payroll service with the Bank during the Promotional Period. An Eligible Customer must successfully have his/her monthly payroll automatically deposited to his/her HSBC bank account for a consecutive 3-month period, with the first deposit made and received by the Bank on or before 30 June 2017. An Eligible Customer will not be eligible for the Payroll Offer if he/she has auto payroll records with the Bank during the period between 1 August 2016 and 28 February 2017 (both dates inclusive).
  2. An Eligible Customer must notify and arrange with his/her employer to have his/her monthly payroll automatically deposited to his/her HSBC bank account. Deposit of monthly payroll through remittance, local CHATS, standing instruction, cheque and cash will not be considered as "auto payroll" and will not be eligible for this Payroll Offer. The Bank reserves the final right to define the term "auto payroll".
  3. Each Eligible Customer is entitled to the Payroll Offer once only under this promotion. If an Eligible Customer is eligible for more than one concurrently running promotional offer of the same nature for any HSBC personal loan product, the Eligible Customer will be entitled to one of the offers only, and the Bank reserves the right to award only the offer deemed to be of the highest value to the Eligible Customer at the Bank's discretion.
  4. The cash rebate will be credited to each Eligible Customer's Loan repayment account on or before 30 November 2017 (the "Payroll Offer Credit Date") without further notice. Eligible Customers have to ensure their Loan repayment accounts are still valid on the Payroll Offer Credit Date in order to enjoy the Payroll Offer.
  5. An Eligible Customer who cancels his/her Loan on or before the Payroll Offer Credit Date will not be eligible for the Payroll Offer.

To borrow or not to borrow? Borrow only if you can repay!

Reference number:Y7-U2-LPIL62