Top of main content

Personal loan

Achieve your goals with our personal loan

Features & benefits

  • Borrow up to TWD3,000,000
  • Simple and convenient application
  • Flexible repayment period
  • Competitive interest rate and APR

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

Personal loan tariff and charges
 
Product Type Description on Fees

Rate Standard

(Unit: NT$)

Personal Loan for HSBC Cardholder Interest Rate Quarterly adjusted by ARMs plus 1.88%~12.53%
Personal Loan for HSBC Cardholder Application Fee A One-time charge of NT$ 6,000 will be deducted from loan amount.
Personal Loan for HSBC Cardholder APR 3.36%~14.09%
Personal Loan for New-to-Bank Interest Rate Quarterly adjusted by ARMs plus 1.88%~12.53%
Personal Loan for New-to-Bank Application Fee A One-time charge of NT$ 6,000 will be deducted from loan amount.
Personal Loan for New-to-Bank APR 3.36%~14.09%
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
Personal loan tariff and charges
 
Product Type Personal Loan for HSBC Cardholder
Description on Fees Interest Rate

Rate Standard

(Unit: NT$)

Quarterly adjusted by ARMs plus 1.88%~12.53%
Product Type Personal Loan for HSBC Cardholder
Description on Fees Application Fee

Rate Standard

(Unit: NT$)

A One-time charge of NT$ 6,000 will be deducted from loan amount.
Product Type Personal Loan for HSBC Cardholder
Description on Fees APR

Rate Standard

(Unit: NT$)

3.36%~14.09%
Product Type Personal Loan for New-to-Bank
Description on Fees Interest Rate

Rate Standard

(Unit: NT$)

Quarterly adjusted by ARMs plus 1.88%~12.53%
Product Type Personal Loan for New-to-Bank
Description on Fees Application Fee

Rate Standard

(Unit: NT$)

A One-time charge of NT$ 6,000 will be deducted from loan amount.
Product Type Personal Loan for New-to-Bank
Description on Fees APR

Rate Standard

(Unit: NT$)

3.36%~14.09%
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

  1. 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 15 Jun 2018.
  2. 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.
  3. 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.
  4. 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.
  5. HSBC reserves the rights to amend, change, and cancel Personal Loan program at any time with appropriate notice.

Frequently asked questions

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.