Features & benefits
Borrow up to TWD8,000,000
Simple and convenient application
Flexible repayment period
Competitive interest rate and APR
Eligibility
To be eligible for an HSBC Personal loan you need to:
- Hold HSBC credit card valid over 3 months (for Credit Card Applicants)
- Have an annual income of TWD300,000 or above
- Be a citizen of R.O.C
- Aged between 18 to 55 (New Customer) or 60 (Existing Credit Card Customer)
Apply for HSBC Personal loan
Apply by phone
Call us on 0800 070 188 to apply for a personal loan (Service hour: 9:00-19:30) or leave your contact details and we will be in touch.
Apply in branch
Find your nearest branch to apply in person.
Tariffs and charges
| Product Type | Description on Fees | Rate Standard (Unit: NT$) |
|---|---|---|
| Personal Loan for HSBC Cardholder | Interest Rate | Quarterly adjusted by ARMs plus 0.89%~14.34% |
| Personal Loan for HSBC Cardholder | Application Fee | A One-time charge of NT$ 9,000 will be deducted from loan amount. |
| Personal Loan for HSBC Cardholder | APR | 3.77%~17.39% |
| Personal Loan for New-to-Bank | Interest Rate | Quarterly adjusted by ARMs plus 0.89%~14.34% |
| Personal Loan for New-to-Bank | Application Fee | A One-time charge of NT$ 9,000 will be deducted from loan amount. |
| Personal Loan for New-to-Bank | APR | 3.77%~17.39% |
| Other Fees | Early Settlement Fee | In the event where customer chooses to pay partial or all loan amount within 18th months, the default penalty should be repayment loan amount X4%(6months) or X3%(7th-18th months) |
| Other Fees | Default Interest | Unpaid amount x (Interest rate of the current period + 1.99%) x No. of days exceeding the payment due date / 365 |
| Product Type | Personal Loan for HSBC Cardholder |
|---|---|
| Description on Fees | Interest Rate |
Rate Standard (Unit: NT$) |
Quarterly adjusted by ARMs plus 0.89%~14.34% |
| Product Type | Personal Loan for HSBC Cardholder |
| Description on Fees | Application Fee |
Rate Standard (Unit: NT$) |
A One-time charge of NT$ 9,000 will be deducted from loan amount. |
| Product Type | Personal Loan for HSBC Cardholder |
| Description on Fees | APR |
Rate Standard (Unit: NT$) |
3.77%~17.39% |
| Product Type | Personal Loan for New-to-Bank |
| Description on Fees | Interest Rate |
Rate Standard (Unit: NT$) |
Quarterly adjusted by ARMs plus 0.89%~14.34% |
| Product Type | Personal Loan for New-to-Bank |
| Description on Fees | Application Fee |
Rate Standard (Unit: NT$) |
A One-time charge of NT$ 9,000 will be deducted from loan amount. |
| Product Type | Personal Loan for New-to-Bank |
| Description on Fees | APR |
Rate Standard (Unit: NT$) |
3.77%~17.39% |
| Product Type | Other Fees |
| Description on Fees | Early Settlement Fee |
Rate Standard (Unit: NT$) |
In the event where customer chooses to pay partial or all loan amount within 18th months, the default penalty should be repayment loan amount X4%(6months) or X3%(7th-18th months) |
| Product Type | Other Fees |
| Description on Fees | Default Interest |
Rate Standard (Unit: NT$) |
Unpaid amount x (Interest rate of the current period + 1.99%) x No. of days exceeding the payment due date / 365 |
Note
- The APR is calculated when the loan amount is NT$300,000 and the loan period is 5 years. The APR does not equal to interest rate and is calculated on the basis of 16 Sep 2024.
- The interest rate is calculated on the basis of ARMs, which refer to mortgages which are priced by adding a markup to benchmark interest rate (such as the average interest rate on time savings deposits offered by major banks). ARMs are revealed in each branch and on the website.
- The APR is calculated according to the method set out in the relevant guidelines referred to the Authority. HSBC's decision in all matters relating to the Personal Loan shall be at our absolute discretion and shall be final and binding on you. The precise APR binding on each customer shall be based on respective product and credit risk conditions.
- HSBC reserves the right to approve or reject the application, and has the final decision on the loan amount, tenor, interest rate, application fee, and the eligible criteria. In the event of any inconsistency between these Terms and Conditions and the Personal Loan Terms and Conditions in the application form, the application form shall prevail.
- HSBC reserves the rights to amend, change, and cancel Personal Loan program at any time with appropriate notice.
Frequently asked questions
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