Use your EBS status for a smart way to borrow
If you're an Employee Business Solutions customer, you can take out a personal loan to help turn your plans into a reality. You can use the loan to cover various costs such as home renovations, weddings, your children's education and more.
Benefits include:
- Borrow up to IDR250 million
- Interest rate starts from as low as 0.99% per month
- Flexibility to choose your tenure up to 36 months
- Approval takes 5 – 10 business days once we receive your application and completed documents
- Repayments are taken directly from your pay so you'll never miss a payment deadline
Interest rates and fees
Interest rates
The flat monthly interest rate for each tenure is as follows:
- 12 months: 0.99%
- 24 months: 1.09%
- 36 months: 1.19%
The loan interest is calculated using the annuity (effective) method where the interest % of the instalment is higher at the beginning of the loan, but the total monthly instalment amount remains the same throughout the loan term.
Fees
- Late payment fee of IDR250,000 or 6% of the monthly instalment per late payment (whichever is greater)
- Stamp duty fee of IDR10,000 - charged at the time of the application
- The penalty for credit disbursement cancellation or early repayment is 7% of the remaining loan principal and other applicable fees
- A 1% provision fee will be deducted directly from the approved total loan amount
Things to know
Who can apply?
You can apply for an HSBC Personal Loan (EBS) if you meet all the following criteria:
- Have and use an HSBC payroll account
- You're an Indonesian citizen aged between 21 and 55 years old
- You have a minimum net monthly income of IDR5,000,000
Apply for a Personal Loan (EBS)
Request a callback
Complete the simple online form and one of our team will call you back at a time that suits you.
Need any help?
If you have a question or need more information, contact your company's HSBC Employee Banking Solution Team.
Or call HSBC Contact Centre on:
Lines open every Monday to Friday (except holidays) from 08:00 to 17:00.