Personal

Personal Instalment Loan Page



A Financial Solution for Your Aspirations

HSBC Personal Instalment Loan1 is a consumption loan designed to help you reach your financial goals. Enjoy various benefits such as fixed monthly repayment and collateral-free loan starting from Rp 5 million up to Rp 125 million. You can also enjoy the following benefits:

  • Interest rate starting from 1.1% flat per month1 .
  • Flexible payment periods up to 60 months.
  • You will receive your cash funds 5–10 days after we receive your complete application, together with all the required supporting documents.

1,* This program only valid for invited HSBC Credit Card customer

Features

Monthly Repayment and Interest Rate Calculation:


Interest Rate Information

Total Loan Amount
Loan period - 24 months Loan period - 36 months
Rp 5 Million – Rp 125 Million 1.20% 1.30%

 

Monthly repayment illustration:

Total Loan Amount Loan period - 24 months Loan period - 36 months
Rp10,000,000 Rp536,667 Rp407,778
Rp15,000,000 Rp805,000 Rp611,667
Rp20,000,000 Rp1,073,333 Rp815,556
Rp25,000,000 Rp1,341,667 Rp1,019,444
Rp30,000,000 Rp1,610,000 Rp1,223,333
Rp35,000,000 Rp1,878,333 Rp1,427,222
Rp40,000,000 Rp2,146,667 Rp1,631,111
RpR5,000,000 Rp2,415,000 Rp1,835,000
Rp50,000,000 Rp2,683,333 Rp2,038,889
Rp55,000,000 Rp2,951,667 Rp2,242,778
Rp60,000,000 Rp3,220,000 Rp2,446,667
Rp65,000,000 Rp3,488,333 Rp2,650,556
Rp70,000,000 Rp3,756,667 Rp2,854,444
Rp75,000,000 Rp4,025,000 Rp3,058,333
Rp80,000,000 Rp4,293,333 Rp3,262,222
Rp85,000,000 Rp4,561,667 Rp3,466,111
Rp90,000,000 Rp4,830,000 Rp3,670,000
Rp95,000,000 Rp5,098,333 Rp3,873,889
Rp100,000,000 Rp5,366,667 Rp4,077,778
Rp105,000,000 Rp5,635,000 Rp4,281,667
Rp110,000,000 Rp5,903,333 Rp4,485,556
Rp115,000,000 Rp6,171,667 Rp4,689,444
Rp120,000,000 Rp6,440,000 Rp4,893,333
Rp125,000,000 Rp6,708,333 Rp5,097,222

 

Interest rates are calculated via an annuity method (effective). For every installment payment made, the percentage of interest will be higher in advance but will remain fixed until the end of the loan term.


Loan Application

Congratulations, you are only one step away from accessing an HSBC Personal Instalment Loan. These are the documents that you'll need to provide:

Documents you MUST provide:

  • A completed application form
  • Copy of valid Identification Card (KTP)
  • Copy of NPWP
  • Copy of other bank credit card (front view)
  • [For employee only] Copy of staff ID card/Business Card
  • Copy of passbook front page showing applicant's name and account number

Documents that will also SUPPORT your application:

  1. Income document (if applicant does not provide other bank credit card info):

    a) Employee

    • Copy of salary slip, at least 1 from last 3 months salary OR
    • SKP (Surat Keterangan Pekerjaan), original with latest salary OR
    • Copy of SPT 1721 or 1770s OR
    • Copy of passbook, at least 1 from last 3 months with remarks "salary transfer" or similar
    • Copy of Jamsostek report

    b) Business owner: SPT/Surat Pemberitahuan Tahunan

  2. Telephone/electricity/water account (only needed if applicant's address on ID Card is different with applicant's residential address)
  3. Copy of SIUP/TDP (For Entrepreneur)
  4. Copy of License to Practice (For Professional)

Payment method



Where Can I Pay My HSBC Personal Instalment Loan
We provide you with easy and convenient payment channels :

  • 24 HSBC branches
  • 22,000 HSBC ATMs
  • More than 77,000 ATM Bersama

Payment Tips

  1. Be sure to add the appropriate payment fee in below table each time you make a repayment
  2. Be sure to pay your monthly repayment before the due date to avoid a late payment fee of Rp150,000).

Fees and Charges

Fees and charges.1


Fees
Provision fee 1% of principal amount (only applicable for certain programs)
Late Payment/Partial Payment Fee* Rp 150,000 (one hundred and fifty thousand Rupiah) per month
Early payment or cancellation fee* 7% of the remaining principal amount + interest charges

Transfer balance fee Fee
To HSBC account Free
To other bank account Rp50,000

Payment fee through bank: Media Fee
HSBC Teller Rp35,000
ATM, Internet Banking Free
BCA ATM, m-Banking Rp7.500
CIMB NIAGA ATM, SST, SMS Banking, Phone Banking, Call Center Rp7,500
Panin ATM Rp6,500
Bukopin ATM, SMS Banking, Internet Banking, Phone Banking, Teller/Counter Rp5,000
BRI ATM Rp7,500
Teller/Counter Rp75,000
BNI ATM Rp7,500
Permata ATM, Permata Tel, Permata Net, EDC Debit Rp5,000
Maybank ATM, Internet Banking Rp5,000
ATM Bersama Via transfer menu Fee depends on bank

1 Fees may change with prior notification.

* Effective date 1 August 2017.

  1. Why do I need an HSBC Personal Instalment Loan?
    If you think about it, there are going to be times in your life when you could do with some extra cash, such as:

    • Renovating your home.
    • Enrolling into postgraduate studies.
    • Arranging that unforgettable wedding.
    • Starting out in your own business.
    • Emergencies.
  2. What is the minimum and maximum loan amount I can apply for?
    We offer Personal Instalment Loans between Rp 5 million and Rp 250 million.
  3. How much should I borrow?
    It is best that you only spend a maximum of 30% of your gross income to pay for your installments. You have to consider that you will also need to allocate your income for other monthly payments and needs.
  4. How long is the loan period for making repayments?
    You can choose between a 12 month or 60 month loan period.
  5. What are the interest rates?
    Total Loan Amount
    Loan period - 24 months Loan period - 36 months
    Rp 5 million – Rp 125 million 1.20% 1.30%
  6. Do I need to provide collateral to apply for an HSBC Personal Instalment Loan?
    Not at all, an HSBC Personal Instalment Loan is a collateral-free loan.
  7. If my loan application is approved, how do I access the funds?
    We can deposit your Personal Instalment Loan into any of the following:
    • Other banks
    • Your HSBC account (for existing HSBC Advance/HSBC Premier customers)
  8. How much should I pay for my monthly repayments?
    The monthly repayment amount really depends on your loan amount and the period of your loan.
  9. How long will it take before my loan is approved?
    5 – 10 working days after you submit a completed application form along with all the required documents.

    10. 1 For HSBC customers

Personal Loan Calculator

Loan amount (Rp)
Tenor (month)
Instalment per month (Rp)
Rate per month fixed
Catatan: Cicilan dan Indikasi Bunga per Bulan yang ditampilkan hanya sebagai contoh dan akan bergantung pada persetujuan kredit.

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PT Bank HSBC Indonesia included in the guarantee program by Indonesia Deposit Insurance Corporation (LPS).

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