Personal loans
Giving you financial freedom and independence
HSBC appreciates that sometimes unexpected situations arise when you need to obtain a large sum of money at short notice. Whether you need to pay an unexpected medical bill or simply want to cover holiday expenses, your Relationship Manager can quickly and simply help arrange an HSBC Premier personal loan for you.
HSBC Premier personal loan benefits:
- loan amount - up to 1 000 000 RUB
- loan term: 12, 24, 36, 48 or 60 months
- competitive rates
- no maintenance fee
- family relative as a co-borrower permitted
- no security or guarantors required
- optional Insurance program for personal loan borrowers
More details on:
Eligibility criteria for borrower (PDF, 49 KB)
Personal loans Tariffs
Personal loans Terms and Conditions
How to apply for your loan*
- Collect the documents (PDF, 45 KB) necessary for your personal loan application.
- Get acquainted with Personal Loan Terms and Conditions and Personal Loan Tariffs
- Use the HSBC Premier Line or Personal loan application form (PDF, 997 KB) from our web site and bring it into an HSBC Premier Branch - this will speed up your application.
- You may submit your documents either to your dedicated HSBC Premier Relationship Manager or in any branch. You can also request a visit of one of our Direct Sales Agents who will come to your office to help fill in all the forms and collect the documents for our credit decision.
- A decision will be made within 2 days from the moment all necessary documents are submitted. Your Relationship Manager will get in touch with you with the outcome of your application.
- If the loan is approved by the bank, the agreed amount will be credited to your current account** and you will then have immediate access to your money via your HSBC Premier debit card in ATMs or the branch cash-desk.
For more information please contact the HSBC Premier Line:
+7 (495) 645 4555 in Moscow
+7 (812) 313 4555 in Saint-Petersburg
Personal loan application form (PDF, 997 KB)
List of documents (PDF, 45 KB)
Letter from the employer under the bank's form (PDF, 168 KB)
How to repay your loan
Repayment is made automatically by equal monthly installments from your HSBC Premier current account, on the date indicated in your Personal Loan Application form. All you need to do is to make sure you have sufficient funds on your account by that date to cover the repayment (ex. by bank transfer, in cash using HSBC ATMs or via the cash desk in any branch).
Cover the unexpected
The Life due to accident and illness insurance program for HSBC Bank (RR) (Limited liability company) personal loan borrowers (Insurance program) allows you to benefit from an HSBC Premier personal loan with the reassurance of knowing your repayment will be covered if you suffer an accident or illness.
You can ask for cover with your HSBC Premier personal loan when you first apply, or at any time after the Personal loan application form (PDF, 997 KB) is approved. If you do not take out the Insurance program when you apply for your personal loan, you can forward the request to any HSBC branch in Russia at any time during your HSBC Premier personal loan term.
Insurance program
HSBC branches
Advantages of the HSBC Premier Insurance program
- maximum insurance cover is up to 110 % (hundred ten percent) of the loan outstanding amount on the day of the enrollment to the program and makes up to
1 800 000 Roubles - enrolment in the Insurance program is voluntary and has no influence on the Bank's decision on your personal loan application
- insurance coverage is in force 24 hours a day worldwide
- insurance reimbursement is not reduced where you may have purchased other life insurance programs with other companies
How are Program enrolment costs paid?
The cost of enrolment in the Program may be debited from your current account each month with your personal loan monthly repayment.
Insurance Program key information
The insurance cover is available to all HSBC Premier personal loan borrowers aged between 18 and 60 who satisfy the health conditions as stated in the Health Declaration. The Insurance program will cover the following circumstances:
- permanent and total disability
- death
How much does the HSBC Premier Insurance program cost?
The HSBC Premier Insurance program for personal loan borrowers costs 0.203% of the loan amount as stated in the Personal loan agreement (if you enrol on the disbursement date of the personal loan), or 0.203% of the outstanding amount (if you enrol at a later date). The cost of enrolment to the Program shall be debited monthly from your current account upon full personal loan repayment.
Insurer is ZAO "ALICO Insurance Company". License C # 3256 77 issued by Federal Supervision Service for Insurance.
*A Personal Loan can be granted be issued after you open an HSBC Premier current account and maintain not less than 50% of the minimum average balance. Any lending is provided at Bank's discretion.
**If credit terms and conditions differ from those indicated in the application form, you will be asked to visit one of our branches to confirm your acceptance of the new terms and conditions in writing or refuse the loan.
