Features & Benefits
Low interest starting from 0.88% per month
Repayments start from IDR 250,000
Tenor up to 36 months
Eligibility for HSBC Personal Loan
| General Criteria | Employee | Self employed*/Professional* |
|---|---|---|
| Indonesian citizens with a minimum age of 21 years and a maximum of 55 years | ✓ | ✓ |
| Minimum gross income per month | IDR 6,000,000 | IDR 10,000,000 |
| Minimum credit card limit | IDR 20,000,000 | IDR 20,000,000 |
| Minimum length of work or self-employment | 1 year and permanent employee status | 2 years |
| Minimum credit card active period at another bank | 12 months | 12 months |
*Only for HSBC customers who have a savings account
Personal Loan Calculator
Calculate your monthly loan installments
| Amount of loan (IDR) | |
| Loan term (months) | |
| Monthly repayment (IDR) | |
| Monthly interest indication |
- The above calculation simulation is indicative and illustrative. The actual installment amount is as stated in the Loan Agreement.
- The determination of your maximum Loan Amount, Tenor and Interest Rate depends on the Bank's assessment results.
Apply HSBC Personal Loan
Apply now and get e-voucher up to IDR1 million**
**Valid for new customers only, program valid until 31 March 2025
Terms and Conditions
Supporting documents
- Original HSBC Personal Loan Form/Application
- Copy of e-KTP
- Copy of primary credit card
- Copy of NPWP/SPT PPH 21
*If required, the Bank has the right to request additional documents other than those listed above.
Interest rates
| Loan amount approved by the Bank | Interest Rate (Flat/Month) |
|---|---|
| IDR 5 million - IDR 50 million | 1,69% |
| > IDR 50 million - IDR 100 million | 1,49% |
| > IDR 100 million - IDR 300 million | 0,88% |
*Loan interest calculations use the annuity method (effectively) where the percentage of interest installments will be greater at the beginning of the loan term, but the amount of the monthly installments will remain the same until the end of the loan term
**For invited customers only, interest rates follow the Bank's offers and decisions.
Important information
- Late fee of IDR250,000 or 6% of monthly installments per delay (whichever is greater) for new customers. Also, late fee for invited customers of IDR150,000
- Loan disbursement cancelation or early repayment charges are 7% of the remaining loan and other fees
- Provision fees of up to 1.5% will be deducted directly from the total approved loan.
ATM Bersama / Prima Network:
- Select "Transfer" then enter the Bank Code followed by the Destination Account Number. Example: 087 + Your HSBC Personal Loan Account Number (12 digits)
- Follow the next instructions
- Finished
To find out more complete information regarding interest rates, monthly installments and to apply for an HSBC Personal Loan, you may contact our contact center on 1500 808
- What is HSBC Personal Loan?
HSBC Personal Loan is an unsecured loan issued by PT Bank HSBC Indonesia. - Why do I need a HSBC Personal Loan?
HSBC Personal Loan can be used for various needs such as:- Through HSBC Personal Loan, you can pay your house renovations or filling your house, using interior designer or contractors' services, and even paying your housing materials.
- Tuition fee for you Children both domestically and abroad
- Wedding and all your wedding preparation needs
- Tickets, hotels or other accommodation for your holiday moments..
- Upgrade your business premises and equipment
- Emergency.
- How much should I borrow?
It is recommended that the monthly repayments not exceed 30% of your monthly income. Also, you might want to consider the amount of your routine and daily expenses. - How long does it take for loan application approval?
5 - 10 working days after the application with complete documents is received by HSBC. - What if I need more information?
You can contact the HSBC Contact Center on 1500 808, for further information.