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Low interest rate of 0.625%+ per month
Longest loan tenor of up to seven years^
No early repayment penalty
Easy access to over 900,000 of HSBC's global ATM network
Low interest rate of 1%## per month for the first year
Low monthly minimum payment
Annual fee waived for the first year
Easy access to over 900,000 HSBC's global ATM network

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LOANS DESIGNED AROUND YOU
* The 100% interest rebate promotion is valid for HSBC's personal loan or personal line of credit accounts applied between 10 November 2008 and 7 January 2009, and opened by 30 January 2009. Receive S$20 worth of shopping vouchers when you submit your documents within 3 working days. Other terms and conditions apply.
# Interest rates and product features are subject to change without prior notice.
+ Personal loan interest rate of 7.5% p.a. is calculated based on a front-end add-on method. The effective interest rates are 13.80 % p.a. for two years, 13.69% p.a. for three years, 13.51% p.a. for four years, 13.32% p.a. for five years, 13.12% p.a. for six years and 12.93% p.a. for seven years.
^ Information is accurate as at 3 November 2008.
** Online applicants will be granted an approval-in-principle. Approval in-principle terms and conditions apply.
## The first year effective interest rate for personal line of credit is 12% p.a.. The prevailing interest rate of 16.5% p.a. applies thereafter. 

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