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Personal Instalment Loan
Information
HSBC has developed flexible, helpful lending solutions based on our local understanding and our financial experience worldwide. So when your needs change, lean on our experience.
Features
High credit limit
The minimum Loan amount is MOP/HKD5,000 and you can borrow up to MOP/HKD100,000, or four times your monthly salary, whichever is lower. With HSBC's Personal Instalment Loan, you can prepare for those timely bargains, a well-earned holiday, your home refurbishment, a wedding or unexpected expense.
Flexible loan terms
You can choose flexible repayment terms from 6 to 36 months. So you can plan your finances and repay the Loan at a pace that suits you.
Example on interest rate and repayment schedule:
Loan amount (MOP/HKD) Monthly repayment for the period (MOP/HKD)
6 months 12 months 24 months 36 months
5,000 - 454 246 176
10,000 1,742 908 492 353
20,000 3,483 1,817 983 706
30,000 5,225 2,725 1,475 1,058
40,000 6,967 3,633 1,967 1,411
50,000 8,708 4,542 2,458 1,764
60,000 10,450 5,450 2,950 2,117
70,000 12,192 6,358 3,442 2,469
80,000 13,933 7,267 3,933 2,822
90,000 15,675 8,175 4,425 3,175
100,000 17,417 9,083 4,917 3,528
Based on interest at 0.75%* per month.
* Interest rate may fluctuate.
The above are examples only. Applicants may choose other amounts and periods.
Simple application
To apply for the Personal Instalment Loan, you need to:
- be 18 years old or above and a Macau resident
- have a regular monthly income of at least MOP/HKD5,000
- have held a satisfactory savings or current account with a Macau bank for at least three months
You can submit the completed application form and the appropriate documents, and return them to your nearest HSBC branch in Macau. If required, you may need to provide a guarantor to endorse a Livranca, supported by a letter from guarantor's and your employers confirming the amount of salary
We can normally process your application within 24 hours
