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Apply for fixed and variable personal finance

Personal Finance - HSBC Egypt

More flexibility to help you achieve your goals and aspirations in life

At HSBC, our unique combination of local experience and global resources enables us to understand your needs and expectations. So when it comes to personal finance, we know that you are looking for more flexibility to help you achieve your goals and aspirations in life.
Whether you wish to buy a new home, give your children a better education, go on an exotic holiday or refurnish your house, look no further than a Personal Finance from HSBC.

Our Personal Finance scheme is flexible and straightforward and you can get it without a guarantor if you are salaried employee, with the option to choose between fixed interest rate or variable* interest rate finance.

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Finance amount up to EGP 1,000,000 based on your monthly income & length of service
  • Competitive interest rate
  • No minimum balance is required on the related account for the finance period
  • Flexible repayment period up to 84 months for fixed rate finance and 60 months for variable rate finance
  • Fixed equal monthly instalments for easy planning of monthly budget
  • Credit card free of first year annual fees*
  • Flexibility to increase finance amount (Top-up)
  • HSBC can buy-out customer's Personal Finance with other banks

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Competitive interest rate
  • No minimum balance required on the related account for the finance period
  • Flexible finance repayment period from 6 months to 60 months
  • Fixed equal monthly instalments for easy planning of monthly budget
  • Credit Card free of first year annual fees*

Enjoy 15% discount* on the administration fees when you apply online and our representative will call you back within 60 minutes**.

Have us call you


*Offer terms and conditions

**Our team is available from Sunday to Thursday, 9.30am to 3.30pm.

*Subject to meeting eligibility criteria.

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Minimum fixed gross monthly income of EGP 3,000
  • Customer should complete probation period with current employer
  • Minimum age should be 21, and maximum age is 65 years at the end of the finance repayment period
  • Customer's employer must be on the Bank's approved employer list
  • Customer should have Egyptian Nationality or Foreigner with valid passport and valid residency in Egypt

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Minimum fixed gross monthly income of EGP 3,000
  • Minimum 1 year with your current employer
  • Minimum age should be 21, and maximum age is 65 years at the end of the finance repayment period
  • Customer should have Egyptian Nationality

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Recent income / instalment transfer letter on the bank's standard format
  • Recent telephone, electricity or gas utility bill (maximum 3 months old) with a minimum consumption amount of EGP 9 for electricity, EGP 3 for gas EGP 36 for telephone bills

Documents required from Non-Egyptians

  • Copy of valid passport
  • Valid residency or valid entry visa for non-touristic purpose
  • Valid work permit

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Valid National Identification Card
  • Recent income letter on the employer’s letter head including position held, length of employment with the current employer, income breakdown, gross and net amounts
  • Recent telephone, electricity or gas utility bill (maximum 3 months old) with a minimum consumption amount of EGP 9 for electricity, EGP 3 for gas EGP 36 for Telephone bills
  • Last 3 months bank statements or last income slips

What is Personal Finance “Fixed Interest Rate Finance “?
A straightforward finance that you can get without a guarantor whether you are salaried employee, self-employed or professional.

How is the interest for Personal Finance calculated?
Interest rate is calculated based on Bank announced rate at the time of application, Interest rate will stay fixed during the finance tenor therefore the finance installments and the finance tenor will stay fixed.

Why choose a Fixed Interest Rate Finance?
This finance is suitable for customers who wish to have a clear and fixed view of their indebtedness, whereby neither the installment value or the tenor will change it remains locked across the loan’s life.

How to apply for a Personal Finance ?
To apply for a Personal Finance you can call 25291010, visit your nearest branch or the HSBC website www.hsbc.com.eg.

What is a Variable interest rate loan?
A personal loan where interest rates are checked periodically, and adjusted if there are any rate changes in Central Bank Of Egypt Overnight Lending rate.

How frequently will the rate change?
Interest rates will be checked every three months (Jan, April, July & of Oct).

Will the change in rate affect the loan installment?
No, the amount of the loan installment will remain the same. However, as a result of rate change, number of monthly installments will be subject to increase or decrease depending on interest rate movements all-over the loan life.

Why choose a Variable interest rate loan?
This loan type is flexible customers will be able to benefit from reduced interest rates when interest rates fall.

How will the customer be notified of the rate changes?
The bank will arrange to send the customer a SMS (and other means of communication) communicating the increase in rate.

*Interest rate for variable interest rate finance is reviewed on quarterly basis and updated during the first week of each quarter.

For General Terms and Conditions click here

For Schedule of Charges click here


Arabic
Personal Finance - HSBC Egypt

Apply for fixed and variable personal finance

More flexibility to help you achieve your goals and aspirations in life

At HSBC, our unique combination of local experience and global resources enables us to understand your needs and expectations. So when it comes to personal finance, we know that you are looking for more flexibility to help you achieve your goals and aspirations in life.
Whether you wish to buy a new home, give your children a better education, go on an exotic holiday or refurnish your house, look no further than a Personal Finance from HSBC.

Overview

Our Personal Finance scheme is flexible and straightforward and you can get it without a guarantor if you are salaried employee, with the option to choose between fixed interest rate or variable* interest rate finance.

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Finance amount up to EGP 1,000,000 based on your monthly income & length of service
  • Competitive interest rate
  • No minimum balance is required on the related account for the finance period
  • Flexible repayment period up to 84 months for fixed rate finance and 60 months for variable rate finance
  • Fixed equal monthly instalments for easy planning of monthly budget
  • Credit card free of first year annual fees*
  • Flexibility to increase finance amount (Top-up)
  • HSBC can buy-out customer's Personal Finance with other banks

 

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Competitive interest rate
  • No minimum balance required on the related account for the finance period
  • Flexible finance repayment period from 6 months to 60 months
  • Fixed equal monthly instalments for easy planning of monthly budget
  • Credit Card free of first year annual fees*

Enjoy 15% discount* on the administration fees when you apply online and our representative will call you back within 60 minutes**.

Have us call you



*Offer terms and conditions

**Our team is available from Sunday to Thursday, 9.30am to 3.30pm.

 

*Subject to meeting eligibility criteria.

Eligibility

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Minimum fixed gross monthly income of EGP 3,000
  • Customer should complete probation period with current employer
  • Minimum age should be 21, and maximum age is 65 years at the end of the finance repayment period
  • Customer's employer must be on the Bank's approved employer list
  • Customer should have Egyptian Nationality or Foreigner with valid passport and valid residency in Egypt

 

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Minimum fixed gross monthly income of EGP 3,000
  • Minimum 1 year with your current employer
  • Minimum age should be 21, and maximum age is 65 years at the end of the finance repayment period
  • Customer should have Egyptian Nationality

Required Documents

Finance Scheme with Salary/Instalment Transfer to HSBC

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Recent income / instalment transfer letter on the bank's standard format
  • Recent telephone, electricity or gas utility bill (maximum 3 months old) with a minimum consumption amount of EGP 9 for electricity, EGP 3 for gas EGP 36 for telephone bills

Documents required from Non-Egyptians

  • Copy of valid passport
  • Valid residency or valid entry visa for non-touristic purpose
  • Valid work permit

 

Finance Scheme without Salary/Instalment Transfer to HSBC

  • Valid National Identification Card
  • Recent income letter on the employer’s letter head including position held, length of employment with the current employer, income breakdown, gross and net amounts
  • Recent telephone, electricity or gas utility bill (maximum 3 months old) with a minimum consumption amount of EGP 9 for electricity, EGP 3 for gas EGP 36 for Telephone bills
  • Last 3 months bank statements or last income slips

FAQs

What is Personal Finance “Fixed Interest Rate Finance “?
A straightforward finance that you can get without a guarantor whether you are salaried employee, self-employed or professional.

How is the interest for Personal Finance calculated?
Interest rate is calculated based on Bank announced rate at the time of application, Interest rate will stay fixed during the finance tenor therefore the finance installments and the finance tenor will stay fixed.

Why choose a Fixed Interest Rate Finance?
This finance is suitable for customers who wish to have a clear and fixed view of their indebtedness, whereby neither the installment value or the tenor will change it remains locked across the loan’s life.

How to apply for a Personal Finance ?
To apply for a Personal Finance you can call 25291010, visit your nearest branch or the HSBC website www.hsbc.com.eg.

What is a Variable interest rate loan?
A personal loan where interest rates are checked periodically, and adjusted if there are any rate changes in Central Bank Of Egypt Overnight Lending rate.

How frequently will the rate change?
Interest rates will be checked every three months (Jan, April, July & of Oct).

Will the change in rate affect the loan installment?
No, the amount of the loan installment will remain the same. However, as a result of rate change, number of monthly installments will be subject to increase or decrease depending on interest rate movements all-over the loan life.

Why choose a Variable interest rate loan?
This loan type is flexible customers will be able to benefit from reduced interest rates when interest rates fall.

How will the customer be notified of the rate changes?
The bank will arrange to send the customer a SMS (and other means of communication) communicating the increase in rate.


*Interest rate for variable interest rate finance is reviewed on quarterly basis and updated during the first week of each quarter.

For General Terms and Conditions click here

For Schedule of Charges click here

Ready to apply?

Apply online and get a 15% discount* on the administration fees. Our representative will call you back within 60 minutes** to proceed with your request.

*Offer terms and conditions

Enjoy priority processing for your application and faster finance credit when you apply online.
 

Have us call you



 

Alternatively call us:

+202 2529 1010

 

or

 

Visit the nearest HSBC branch

 

 

**Our team is available from Sunday to Thursday, 9.30am to 3.30pm.

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This link may allow you to access a non - HSBC website. HSBC Bank Egypt S.A.E has no control over the linked website and is not liable for your use of it.

You are leaving hsbc.com.eg

This link may allow you to access a non - HSBC website. HSBC Bank Egypt S.A.E has no control over the linked website and is not liable for your use of it.