Achieve your goals with flexible personal finance

When it comes to personal finance, we know you're looking for more flexibility to help you achieve your goals and aspirations in life. Whether you want to buy a new home, give your children a better education, go on an exotic holiday or refurnish your house, look no further than Personal Finance from HSBC.

What you need to know

Our personal fixed-rate finance scheme is flexible and straightforward, and you can get it without a guarantor if you are a salaried employee. To find a personal finance solution that fits your needs, we offer you a choice based on whether you choose to have your salary paid directly to your HSBC account or not.

Finance options

What you'll get

  • Finance amount up to EGP 1,500,000 based on your monthly income and length of employment
  • Competitive interest rate
  • No minimum balance required on your related account for the finance period
  • Flexible repayment period up to 84 months
  • Fixed equal monthly instalments for easy monthly budgeting
  • No first-year annual fees on credit card (subject to meeting eligibility requirements)
  • Flexibility to top up finance amount 
  • HSBC can buy-out your personal finance with other banks

Eligibility

  • Minimum fixed gross monthly income of EGP 3,000
  • You must have completed your probation period with your current employer
  • Minimum age of 21 and maximum age of 65 at the end of the finance repayment period
  • Your employer must be on the bank's approved employer list
  • You should have Egyptian nationality (or have a valid passport and valid residency in Egypt if you are a foreigner)

Required documents

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Recent income or instalment transfer letter in the bank's standard format

Additional documents required for non-Egyptians

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

Things you should know

Interest rates are calculated based on the bank's announced rate at the time of application. The interest rate will stay fixed during the finance tenor, therefore the finance instalments and the finance tenor will stay fixed.

How to apply

We'll call you

Request a call back for priority processing and 15% savings on fees.1 Our team is available weekdays from 9.30am to 3.30pm and will be in touch within 60 minutes.2 

Call us

Contact us by phone every day from 9am to 11pm.

Visit a branch

Speak to us in branch to start an application.

1See offer Terms & Conditions (PDF, 290KB)

2Call back is available from 9.30am to 3.30pm, Sunday to Thursday. If you ask for a call back outside these hours, we'll call you the next working day.

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