Whether you are a PRC resident or not, HSBC can help you find your dream home.
Our home loan advisers will meet you in person and take you through the process step by step to make your experience of buying a home as hassle-free as possible.
Currencies offered – RMB, USD, HKD
Loan amount – up to 70% of the property value (subject to applicable laws and regulations)
Loan tenor – up to 30 years
Three repayment options – Monthly Straight Line, Fortnightly Straight Line and Monthly Reducing Balance
Legal assistance, property valuation and mortgage contract notarisation. Property insurance throughout mortgage tenor
Most applications will receive an approval decision within three business days once all necessary information has been submitted.
One-to-one service – our mortgage loan adviser will guide you through the process and make sure it's hassle-free.
Special offers – enjoy preferential pricing with selected property developers
Branch network support – HSBC China offers a home mortgage loan service in many major cities throughout China. Please find your nearest HSBC branch for more information.
Free property insurance plus comprehensive third-party services including legal assistance, property valuation and mortgage contract notarisation.
*Subject to prevailing rules and regulations as well as the bank's credit assessment.
Note: Services are provided subject to prevailing regulatory requirements (including, but not limited to, foreign exchange restrictions), which may change from time to time. Terms and conditions are subject to the mortgage contract between the Bank and the applicant.
Please dial China country code +86 if you are calling from overseas
Leave your contact details with us and we’ll be in touch in 2 business days.
For salaried individuals:
For self-employed individuals:
Other documents required:
Please note: The above documents required may change from time to time in accordance with the changes of laws and regulations or HSBC China's own requirements without notice from HSBC, and could differ among different cities/regions based on local regulatory requirements or HSBC China's own requirements. You are advised to contact an HSBC branch to confirm the detail of the necessary documents and procedures required by local requirements before applying for a home loan.
We’ll guide you step by step throughout the journey of your home mortgage loan application. Please contact us for more details.
A bilingual English and Chinese form is available for Home Mortgage Loan applications.
Latest updated: 01/05/2018
|HSBC (China) Home Mortgage Loan Base Rates
||Current Base Rate (% p.a.)
|USD Base Lending Rate
|HKD Base Lending Rate
|RMB PBOC Commercial Base Lending Rate
||4.9% (loan tenor over 5 years)
4.75% (loan tenor between 1 to 5 years, including 5 years)
4.35% (loan tenor between 0 to 1 year, including 1 year)
Please note that the above home mortgage loan base rates are for reference only and subject to changes from time to time without notice.
For further information, please visit your nearest HSBC Branch or Sub-branch in China, or dial the hotline 400-820-8878,please dial China country code +86 if you are calling from overseas.
Calculate how large a mortgage you can afford to repay with your current salary.
Maximum loan amount
Pay every two weeks instead of monthly, if you choose the fortnightly repayment plan. Your principal will therefore be repaid more quickly, saving on interest costs. You may also choose monthly reducing repayment plan, please call our customer service hotline or visit our branch for more details.
|Monthly repayments||Loan period (years)||Total interest payable||Total repayment|
|RMB 54,000||12 years||RMB 1,178,037||RMB 7,775,999|
|Fortnightly repayments||Loan period (years)||Total interest payable||Total repayment|
|RMB 27,000||10.9 years||RMB 1,062,813||RMB 7,660,775|
Disclaimer: This information is for reference only. No warranty or representation is given by HSBC as to its accuracy, completeness and/or fitness for a particular purpose. Any mortgage loan application and the Terms & Conditions for the loan – including but not limited to the loan-to-value ratio and loan amount – are subject to our final approval.
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