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Personal Loan

Find out how an HSBC China Personal Loan can help you realise your ambitions.

Do you need a Personal Loan?

Whatever your goal, an HSBC China Personal Loan can help you access the money you need, whenever you need it.

Key benefits

  • Preferential interest rates*

    Monthly rate as low as 0.555%

  • Flexibility

    Currencies offered: RMB

    No warranty or guarantee required, simply submit the required materials and supporting documents

  • Loan tenors up to 5 years

    Multiple loan tenor options (12, 24, 36, 48 or 60 months), with a maximum of 5 years

  • Fast pre-approval

    Pre-approval on eligibility just minutes after pre-application

  • Loans for diverse purposes

    We offer loans to meet you and your family's needs, such as home renovation, travelling, weddings, education and other major purchases

    (An HSBC China Personal Loan shall not be used for investment in real estate, stock market, futures market, any equity investment, nor shall it be used for the production and operation of enterprise, or other purposes prohibited by laws and regulations)

  • Comprehensive service

    One-to-one service - our Personal Loan adviser will guide you through the process, ensuring it's hassle-free

  • Fast approval
    Receive a reply on eligibility within 3 working days after submitting requested documents

 

* Preferential interest rate is subject to prevailing rules and regulations as well as the Bank's credit assessment results. For more details, please call our customer service hotline.

Note - Services are provided subject to prevailing regulatory requirements, which may change from time to time. Terms and conditions are subject to the Personal Loan contract between the Bank and the applicant.

How to apply

Personal Loan hotline

Proof of Personal Loan purpose upload page (Chinese only)

Make an appointment

Leave your contact details with us and we’ll be in touch in 2 business days.

How to apply

Basic requirements

  • PRC citizen holding a second-generation identification card (excluding Hong Kong, Macao,  and  Taiwan citizens)
  • Aged 22 to 55
  • Stable employment with a fixed monthly income (excluding self-employed)
  • Proof of your current residential address

(Note: Personal Loan is currently unavailable for applicants as individual business owners, private business owners and freelancers)

Required documents

  • PRC second generation ID card
  • Proof of employment: valid employment certificate or receipt of social security payment
  • Income proof: full bank account statement, personal income tax payment receipt, social security payment receipt of the latest three consercutive months
  • Proof of your current residential address: bank statement(of credit cards for instance) or utility bills of any month within the latest three months

 

Application procedure

  1. Submit a pre-application to access your pre-approval reply within minutes
  2. Visit local branch to submit required materials and supporting documents as requested and file a formal application
  3. We will review and verify your application and inform you if your application is approved. Please call our customer sercice hotline for more details

Hotline services

You can visit above “Proof of Personal Loan purpose upload page” to submit loan application relevant information as requested and upload the proof of Personal Loan purpose or purchase invoice. In case of any further questions, please refer to your personal loan adviser.

Notice:

1. The loan must be for consumption purposes and shall not be used for investment in real estate, stock market, futures market, any equity investment, nor shall it be used for the production and operation of the enterprise, or other purposes prohibited by laws and regulations. The proof of Personal Loan purpose (e.g. consumption or merchandise invoice) you submit must be consistent with the loan purpose chosen at the time of application. You may not change the loan purpose without the consent of the Bank.

 

2. You must submit your proof of loan purpose to the Bank within 90 days after the loan is issued. The requirements for the proof are as following:

  • You must provide a formal invoice including the name of the goods / service, the amount, etc.
  • The invoice should be issued to your name and the invoice date should be later than the loan payment date. The invoice amount should be no less than 80% of the loan amount. The invoice must be consistent with the loan purpose chosen at application.
  • You must sign your name on the original invoice submitted.

3. If the amount of the loan exceeds RMB120,000, please contact the loan specialist after the document is uploaded and submit the original document / invoice to the loan specialist for review.

 

4. The Bank reserves the right to request for additional proof of loan purpose other than invoices. To avoid ambiguity, this requirement will not waive your obligation to provide invoices.

 

Change of loan purpose

  1. The number of loan purpose selected at the application can be up to two. The loan must be for consumption purposes, and shall not be used for investment in real estate, stock market, futures market, any equity investment, nor for the production and operation of the enterprise, or other purposes prohibited by laws and regulations. The proof of loan purpose (e.g. consumption or merchandise invoice) you submit must be consistent with the loan purpose chosen at application. You may not change the loan purpose without the consent of the Bank.
  2. If you need to change the loan purpose, in case of self-paid loan, you will be required to submit a written application to the Bank within 90 days after the loan is issued and provide a qualified proof of loan purpose (i.e. upload the "Application form for change of loan purpose" along with the proof of loan purpose copy image on the “Proof of Personal Loan purpose upload page” and contact the loan specialist to submit the original "Application form for change of loan purpose" along with the original proof of loan purpose), and obtain the consent of the Bank.
  3. In case of consign-paid loan, you may not apply for a change in loan purpose

Note: Change of loan purpose is not applicable before the loan is issued. If you need to change the loan purpose after the loan is issued, you will be required to submit a written application to the Bank within 90 days after the loan is issued and provide a qualified proof of loan purpose (i.e. upload the "Application form for change of loan purpose" along with the proof of loan purpose copy image on the “proof of loan purpose uploading page” and contact the loan specialist to submit the original "Application form for change of loan purpose" along with the original proof of loan purpose). If you fail to submit a written application for change of loan purpose, your updated proof of loan purpose will be determined unqualified and you will be required to re-submit relevant documents. In case of consign-paid loan, you may not apply for a change in loan purpose.

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Frequently asked questions

We will provide preferential interest rate according to the customers’ credit status and our pricing policies, etc, without notice in advance. Please call customer service hotline 021 2053-4335 or our Personal Loan advisers for more information.  

According to relevant regulatory and statutory requirements, Personal Loan shall not be used for investment in real estate, stock market, futures market, any equity equity investment, nor shall it be used for the production and operation of the enterprise, or other purposes prohibited by laws and regulations. The Personal Loans can be issued in two ways: consign-paid and self-paid.The loan purpose and verification of the proof of loan purpose is determined by the relevant statutory and regulatory rules and HSBC China's own requirements.

Customers shall use the Personal Loan according to the purpose submitted at the application; the purpose of the loan and the process of use shall comply with the Bank’s regulations. We reserve the right to impose a penalty charge and/or recall the loan.

Approval of Personal Loan is subject to the final review and verification process of HSBC China.