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Most people who borrow money have good reasons for doing so. Here is a list of common reasons for borrowing:

	Buy or renovate your house
	Pursuing higher education
	Memorable wedding
	Starting your own business
	Making a timely investment
	Taking advantage of a sale
	Emergencies
	Buying appliances/durables

To apply for a HSBC personal loan you will have to be 21-55 years of age.

You can borrow from a minimum of IDR 8 million. The maximum you can borrow is IDR 125 million.

As a rule of thumb, you should not spend more than 30% of your gross monthly income on loan repayments. However, you must take into consideration your other commitments.

12 months, 24 months, 36 months

12 months, 24 months, and 36 months

Repayment Period Loan Amount 12 months 24 months 36 months <20 mio 1.65% 1.65% 1.65% >= 20 mio 1.50% 1.50% 1.50%

No, HSBC Personal Loans do not require collateral/guarantee.

We will assess your application against the details you provide to ensure that you can afford the repayments of the loan and check that you have a good credit history.

You have two choices to where the loan will be transferred:

1. An account in another bank.
2. An existing account in HSBC (only for PowerVantage/HSBC Premier account holders).

The instalment depends on the loan amount and tenure.

Processing takes 5 working days since application is accepted by HSBC’s Credit Department with complete documentation.

Document	Employee	Entrepreneur	Professional	HSBC Card Holder
KTP/Paspor
Salary Slip /SPT (1)
Bank account statement (2)
SIUP/TDP & NPWP (3)
Professional License
Copy of Credit card & Copy of Billing Statement (4)

(1) Last one (1) month

(2) Last three (3) months

(3) NPWP needed for > IDR 50 million Loan.

(4) Only required for several types of credit card

No. However there is an opportunity to top up your loan (terms and condition applied).

The amount of payment received will be considered as partial payment, therefore the account holder will be subject to late payment fee and interest overdue for the unpaid instalment.

The account holder will be subject to late payment fee and interest overdue for the unpaid instalment.

Personal Loan Protection provides cover for your loan repayments in the event of death due to sickness/accident.

Interest rate fluctuation will not affect your monthly installment because the HSBC Personal Loan interest rate is fixed during the whole loan period.
However, the conditions for Top Up loans are different since the installment for Top Up will depend on the current interest rate rather than the interest rate during original loan approval.

Usually extra costs of the borrowing may include:

	Administration fee 3% from loan amount applied for customer who's does not enroll for Personal Loan Protection.
	Administration fee 1,5% from loan amount applied for customer who's enroll for Personal Loan Protection.
	Late charge fee (only applicable when you are late for payment).
	Early repayment fees.