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    HSBC Bank Personal Loans

    HSBC's Personal Loan









    New to HSBC's Personal Loan?
    Whether you seek to nurture your child's talent with enrichment classes or turn your passion into a business, you can count on HSBC's personal loans - the faster way to extra cash with fixed monthly instalments for your greater control.
    Latest Promotion
    From now till 31 August 2012 be rewarded with up to S$200* cash when you apply online. Here's how you can be rewarded:
    • Approved load amount of S$25,000 and above: S$200 cash
    • Approved load amount of S$12,000 to S$24,999: S$100 cash
    • Approved load amount of S$5,000 to S$11,999: S$50 cash
    * Terms and conditions apply.
    Existing HSBC's Personal Loan Customer? NEW!
    Enjoy greater flexibility when you draw down the amount that you have already repaid from your existing HSBC's personal loan account up to four times your monthly income, with no processing fee!
    At the same time, you may choose to extend your loan tenor, while enjoying as much control as before with fixed monthly repayments











    Benefits and features
    Extra cash of up to four times# your salary
    You can borrow up to four times# your monthly salary or up to S$100,000, whichever is lower, for any purpose you wish.
    Regular loan repayments
    Enjoy greater control with equal monthly instalments.
    No guarantor or collateral required
    Enjoy totally hassle-free, easy application.
    Longest loan tenor of up to 7 years+
    With a choice of loan tenor between one to seven years, you have the flexibility to choose a repayment period that is right for you.
    Affordable low interest rates
    Depending on your approved loan amount and loan tenor, you’ll enjoy from as low as of 10% p.a.
    Plus, you’ll enjoy further interest rate discounts when you take up our suite of banking services.
    - HSBC Premier customers will enjoy 10% p.a. on all loan tenors
    - HSBC Advance customers will enjoy 11% p.a. on all loan tenors
    A processing fee of S$88 is applicable for all approved loan applications.
    For annual income of S$40,000 and above
    For annual income of S$30,000 to S$39,999
    • FR (Flat rate, for reference only): is based on a front-end add-on calculation method (Interest = loan principal x flat rate x loan tenor).
    • Monthly repayments have been rounded up/down to the nearest dollar for illustration purposes only.
    • EIR (Effective interest rate): is inclusive of applicable processing fee, and based on the stated assumed approved loan amount.
    • The Bank will deduct the applicable processing fee from the loan proceeds at the point of disbursement.
    • The Bank will apply the EIR (net of processing fee) on the loan based on a monthly reducing balance method, where the EIR (net of processing fee) is multiplied by the outstanding loan balance, which reduces monthly as repayments are made.
    • Interest is charged at daily rest on a 365 days per year basis.
    24-hour Assistance
    Call our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.
    # For Singaporeans and Singapore Permanent Residents, the total loan amount for your HSBC's personal loan will be capped at four times your monthly income as indicated in the income documents, subject to a maximum of S$100,000, or an amount HSBC may in its absolute discretion determine. However, for individuals with an annual income of S$30,000 to under S$120,000, this is subject always to your aggregate maximum credit limit with HSBC for all unsecured facilities, regardless of the number of HSBC Credit Card(s) and/ or Unsecured Loans Facility you hold or apply for, being no more than four times your monthly income.
    For foreigners residing in Singapore, a minimum annual income of S$40,000 is required and your employment pass must be valid at least for a year, and the loan amount will be up to two times your monthly income, or an amount HSBC may in its absolute discretion determine.
    + Loan tenors of six and seven years are only applicable for salaried employees earning an annual income of S$30,000 and above.
    Personal Line of Credit and Personal Term Credit Terms and Conditions
    Personal Line of Credit and Personal Term Credit terms and conditions
    The Personal Line of Credit & Personal Term Credit Terms and Conditions will be changed and updated with effect from 1 July 2012. The changes include Section D Clause 18.2. Please click here for more information.
    The Personal Line of Credit Fund Transfer Terms and Conditions will be changed and updated, to include provision 18, with effect from 1 April 2012. Please click here for more information.









    Post Your Discussions Regarding the HSBC Bank Personal Loans Right Here!
    Last edited by Meteor; 07-10-2012 at 03:20 AM.

 

 

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