Interest rate 19-20% general loan 14-15% car loan 10-11% home loan (6-12% or variable) other loan

1.Personal Loan(Interest rate

19-20%)

Any purpose loan Wish you had enough money to take an overseas vacation? Or renovate your home? Maybe buy a computer? Now you can do all these and more, with a Personal Instalment Loan from HSBC. No personal guarantee - no cash security We believe in our customers. That is why we do not require any personal guarantees or cash security to support the loan. Simple documentation The Personal Instalment Loan from HSBC assures you of one thing - simplicity. This means having to complete very simple and easy documents when applying for the loan. We offer a very competitive interest rate with low processing fees. Who can apply? You should be 23 years of age and employed by a well-established company with a minimum monthly income of BDT15,000. Self-employed individuals can also apply subject to proof of income.

How much would you get? The loan amount ranges from BDT50,000 to BDT1,000,000 or maximum 10*-(14 times, in case of partially secured loan) times your monthly income, whichever is lower. How do you repay? Loan repayments are made in the form of equal monthly instalments (EMI). You have the flexibility of choosing the repayment period (12, 24, 36, 48 or 60 instalments). Your monthly instalment can be automatically debited from your personal account held with HSBC. We also allow partial prepayment and prepayment. How do you apply? Just call or visit one of our branches in Dhaka, Narayanganj, Chittagong or Sylhet. We will be happy to help you with your application. [ * subject to credit assessment criteria]

Need to know more

Call now on 01199-88LOAN (5626) 01199-88HSBC (4722) Contact Us

2.Home loan(Interest rate

10-11%)

A home for you and your loved ones must be one of the most treasured dreams in your life. With competitive rates, convenient features and simple procedures, Home Loan from HSBC will enable you to turn your dream into reality.

Features

Loan amount of BDT 750,000 - BDT 10,000,000 Maximum loan amount of 80% of the property valuation, inclusive of registration cost Financing for the registration cost Clubbing of income amongst spouse, father and son/daughter, mother and son/daughter is possible Competitive interest rates on a monthly reducing balance Loan tenure of 5 - 25 years (prior to borrowers age reaching 60 years)

The age of the property must not exceed 20 years of age Apartments under construction is also applicable for Home Loan facility As a customer, you also have flexibility to buy apartment under construction subject to the terms and conditions as applied by the Bank Partial or early settlement facilities No personal guarantee or cash security

Eligibility

Age: At least 23 years Professional Experience: - Salaried: Employed for at least 2 years by a well-reputed organization - Self employed: Professional experience or business establishment for at least 2 years (with adequate proof) Minimum Monthly Income: - Salaried: BDT 40,000 - Self Employed: BDT 50,000

What security documentation do you require?

Mortgage and original title deed Property insurance covering fire, earthquake, flood, and cyclone Irrevocable General Power of Attorney (IGPA)

How do you repay?

Loan repayment can be made in the form of monthly instalments. You have the flexibility of choosing a convenient repayment period between 5 and 25 years. Your monthly instalment will be automatically debited from your personal account with HSBC. Interest is calculated on a monthly reducing balance as opposed to an annual reducing balance, giving you a lower monthly instalment amount with HSBC.

How do you apply?

Just drop by at your nearest HSBC branch or customer service centre or contact our Call Centre for more information. We will be happy to help you with your queries. Talk to HSBC and turn your dream into reality!

*Notes: Terms and conditions apply Applications are approved at the sole discretion of HSBC

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Call now on 01199 88LOAN (5626), 01199 88HSBC (4722) Contact Us

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3.Home equity loan(Interest rate

10-11%)

Home Equity Loan from HSBC is an opportunity for you to release some of the value tied up with your home. Whether you want to renovate your home or expand your own business, you can potentially receive cash against the equity in your home. Let you home work for you with the world's local bank's Home Equity Loan.

Features

No personal guarantee or cash security

Loan amount of BDT 500,000 - BDT 10 million (for Select, PVA and CEPS) and BDT 500,000 - BDT 7.5 million (for General Customers) Maximum loan amount of 80%* of the property valuation Loan facility against your residential house or apartment Competitive interest rates Interest is calculated on a monthly reducing balance A wide range of loan purposes - purchase of land, apartments, office space, renovation, extension or construction of houses, shops etc, educational expenses for children and many more Clubbing of income is allowed for immediate family members i.e. Husband-Wife, FatherChild, Mother-Child etc. More flexibility with a loan tenure of maximum 15 years(for Select, PVA and CEPS) and 10 years for General Partial or early settlement facilities

Eligibility

Age: At least 23 years Professional Experience: - Salaried: Employed for at least 2 years by a well-reputed organization - Self employed: Professional experience or business establishment for at least 2 years (with adequate proof) Minimum monthly income of BDT 50,000

Requirements

The concerned apartment must be occupied by the owner Age of the property must not be more than 20 years Registered mortgage in favour of HSBC and original title deed Irrevocable General Power of Attorney (IGPA) Property insurance covering fire, earthquake, flood, and cyclone All documents stated in the application form and as required by the Bank must be submitted

*Terms and conditions apply *Applications are approved at the sole discretion of HSBC *Last updated in October, 2010

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Call now on 01199 88LOAN (5626), 01199 88HSBC (4722)

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4.Car loan(Interest rate

14-15%)

So you have found your dream car that you have always wanted. Now comes the difficult part arranging for the funding. You approach banks and financial companies who want guarantees and securities against loans and you feel your dream slipping away. Now with a car loan from HSBC, you can make your dream come true.

Features

No personal guarantee or cash security Wide range of loan amounts - Minimum: BDT100,000 - Maximum: 50% of car value (as per Central Bank guidelines) up to a maximum of BDT2,000,000* Competitive interest rates Interest is calculated on monthly reducing balance Low processing fees Flexible repayment schedule of 12, 24, 36, 48 or 60 months

*The loan amount does not cover registration, insurance and other costs.

Eligibility

Age: At least 23 years Professional Experience: - Salaried: Employed for at least two years by a well-reputed company - Self-employed: Business establishment for at least two years (with adequate proof) Minimum Monthly Income: - Salaried: BDT 20,000 - Self Employed: BDT 50,000

Requirements

Manufacturing year of the car must be within 5 years of application date

The car must be covered under a comprehensive car insurance policy Documents stated in the Application Form

*All of the above are subject to conditions *Last updated in October, 2010

Need to know more

Call now on 01199 88LOAN (5626), 01199 88HSBC (4722)

5.Personal Secured Loan

A Personal Secured Loan is a fixed loan secured by your time deposit held with HSBC. The loan will provide you with the flexibility to meet any emergency cash needs you may have, so you don't have to encash your high yield investments.

Benefits

Loan amount is up to 95% of the value of your taka time deposit or WEDBs or 80% of the value of your foreign currency time deposit or USDBs with minimum loan amount of BDT90,000 Competitive interest rates Processing fee - BDT2,000 Flexible repayment schedules ranging from 12 to 60 equal monthly instalments Partial prepayment and early settlement facilities Automatic and free transfer of monthly instalments from your savings account without affecting the interest earned on that account. Option of one time repayment at the end of loan tenure with discounted interest rate is available.

Need to know more?

Call now on 01199 88LOAN (5626) 01199 88HSBC (4722) (880 2) 9553053 56

6.Personal Secured Credit

If you need funds urgently to meet an unexpected situation, just turn to HSBC. With Personal Secured Credit facility, we can arrange a credit facility for you, secured against time deposits.

How much can you borrow?

You can borrow up to 95% of your taka time deposit or WEDBs or up to 80% of your foreign currency time deposit or USDBs.

What is your gain?

You can re-invest your money while your primary investment remains intact and this enables you to have the flexibility to meet short-term commitments without unlocking your long-term investments.

How is Interest calculated?

Interest is calculated daily and is charged on the daily overdrawn balance every 3 months.

How do you pay back?

Facilities are repaid when time deposits are withdrawn.

Need to know more?

Call now on 01199 88LOAN (5626) 01199 88HSBC (4722) 9143423

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