HSBC Top-Up Loan provides existing personal loan customers with additional financing without requiring a new loan application.
The product offers competitive interest rates, flexible repayment terms aligned with your existing loan tenure, and quick approval for eligible customers.
Key Facts
- Top-up amount based on existing loan balance, repayment history, and eligibility (combined total of original loan plus top-up subject to bank’s maximum lending limits)
- APR (Annual Percentage Rate): Competitive rates applicable to top-up amount, aligned with current HSBC personal loan rates. Final APR depends on customer profile, credit assessment, and market conditions.
- Loan term (months): Aligned with remaining tenure of existing personal loan, or restructured based on eligibility
- Processing fee: As per HSBC Service and Price Guide for personal loan top-ups
- Product type: Conventional banking (interest-based, not Sharia-compliant)
الحقائق الرئيسية
- مبلغ القرض: مبلغ الزيادة بناءً على رصيد القرض الحالي وسجل السداد والأهلية (المجموع الإجمالي للقرض الأصلي بالإضافة إلى الزيادة يخضع للحدود القصوى للإقراض لدى البنك)
- معدل الفائدة السنوية: أسعار تنافسية تنطبق على مبلغ الزيادة، متوافقة مع أسعار القروض الشخصية الحالية لبنك HSBC. يعتمد المعدل النهائي على ملف العميل والتقييم الائتماني وظروف السوق.
- مدة القرض (بالأشهر): متوافقة مع المدة المتبقية من القرض الشخصي الحالي، أو يتم إعادة هيكلتها بناءً على الأهلية
- رسوم المعالجة: حسب دليل الخدمات والأسعار لبنك HSBC لزيادات القروض الشخصية
- نوع المنتج: مصرفية تقليدية (قائمة على الفائدة، غير متوافقة مع الشريعة)
Get to know better:
- Quick approval for existing customers
- Eligible HSBC Personal Loan customers with minimum 12 months of regular repayment history can access swift approval for top-up financing without the full documentation requirements of a new loan application.
- Flexible top-up amounts
- Top-up amount is determined based on your existing loan balance, repayment performance, current income level, and debt burden ratio as per Central Bank of the UAE regulations.
- Streamlined process
- The top-up process leverages your existing customer profile and credit history with HSBC, reducing processing time compared to new loan applications.
Why we recommend this loan
HSBC Top-Up Loan offers convenient access to additional financing for existing personal loan customers with good repayment track records.
The product is regulated by the Central Bank of the UAE and subject to responsible lending practices including debt burden ratio assessments.
Find a personal loan to your profile
Your eligibility for a top-up and the approved amount depend on your repayment history with HSBC, current outstanding balance, monthly income level, Al Etihad Credit Bureau (AECB) score, and total debt burden ratio.
Customers with excellent repayment records, higher income levels, and lower existing debt obligations qualify for larger top-up amounts and more competitive interest rates.
HSBC Top-Up Loan: Get a personal loan
This is a conventional banking product where interest is charged throughout the loan term. It is not Sharia-compliant. All loan activity is reported to Al Etihad Credit Bureau.
The top-up amount is typically consolidated with your existing loan balance, creating a revised monthly instalment covering both amounts.
Disclaimer
This content is for informational purposes only and is not issued or endorsed by HSBC Bank Middle East Limited. All terms and rates are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
إخلاء المسؤولية
هذا المحتوى لأغراض إعلامية فقط ولم يصدر أو يعتمد من قبل بنك HSBC الشرق الأوسط المحدود. جميع الشروط والأسعار عرضة للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على أدق المعلومات وأحدثها.