Guide to HSBC unsecured loans with the lowest interest rates in 2022

Currently, almost all banks support unsecured loan services for all types of customers when in need of loans, with large amounts of money to serve many different jobs. Today's post, Banktop will guide you HSBC unsecured loan at the bank with notes when you borrow money at the unit.

About HSBC bank

HSBC is a bank operating strongly in the financial sector with its head office in London, United Kingdom. Currently being expanded and present in many major countries around the world, including Vietnam. HSBC has strong potential and experienced and enthusiastic staff.

Currently, HSBC bank provides many financial services and products to best meet the needs of customers, including unsecured loan packages at banks with large loan limits and low interest rates, attracting many interested customers. .

What is HSBC unsecured loan?

HSBC unsecured loan at the bank means that customers will be able to borrow a certain amount of money for a period of time. Customers do not have to mortgage assets but will be disbursed first and then pay monthly interest according to the set time limit.

The limit when borrowing at HSBC can be up to more than 500 million, quite a large amount compared to other financial institutions. However, the application process will also be more rigorous and take longer to ensure that customers have the ability to repay the loan.

Why should HSBC consumer unsecured loan?

HSBC provides a safe solution when customers participate in borrowing and using services. The reasons you should choose when taking an unsecured loan at HSBC are:

HSBC is a long-standing and reputable financial institution in the Vietnamese market.

HSBC supports customers with unsecured loan packages with flexible terms depending on their financial ability.

The application process and procedures are clear, transparent and accurate.

Attractive interest rates compared to other banks when borrowing capital, many promotions.

Support, consult customer service thoughtful, polite.

What are the conditions for HSBC unsecured loans?

To qualify for an unsecured loan at HSBC, customers need to fully meet the following requirements:

Customers aged 20 years or older, are Vietnamese citizens

Have a personal document such as ID card/CCCD or Passport

Having a household registration certificate or temporary residence registration certificate in the locality.

Prove to have a stable monthly income by working.

There is no bad debt at financial and banking units.

How is HSBC's unsecured loan application?

When you have met the conditions to borrow money at HSBC, you proceed to prepare the following documents and documents to apply for a loan:

Loan application form (will be provided by the bank) when making the application.

Personal papers valid ID/CCCD or Passport.

Household registration book or certificate of temporary residence registration in the locality.

Required documents such as: Payroll, labor contract worked for more than 1 year.

Salary report for 3 months.

Attach other documents if required by the bank.

Detailed interest rate information when taking out unsecured loans from HSBC

HSBC is currently applying an unsecured loan interest rate of 14 - 16%/year with a maximum loan support limit of VND 300 million with a flexible loan term.

The most detailed HSBC unsecured loan process

Here is a simple and quick guide to the process when you apply for an HSBC unsecured loan so you can track and prepare everything perfectly.

Step 1: Come to the unit, branch of HSBC bank to ask for support on unsecured loans.

Step 2: The bank staff will provide you with an application form to apply. You proceed to fill in the correct information and check it again before submitting it to the bank staff. With terms you do not understand, you can actively ask for the fastest support from the staff.

Step 3: HSBC staff will accept your application. During the inspection, the staff will actively contact you to verify or request more missing documents.

Step 4: HSBC banking system will review your loan application. If valid, your loan amount will be disbursed within 48 hours.

Notes when borrowing money at HSBC to increase disbursement rate

The notes when you borrow money at HSBC to help increase the quick disbursement rate you should know such as:

Carefully read the terms and conditions in the loan contract at the bank to avoid future mistakes.

Find out about interest rates, late fees or loan settlement fees when taking an unsecured loan at HSBC.

Keep track of the due date of payment and the bill you pay each month for reference if you need it later.

If you have questions about a loan or need support, you should proactively ask the bank staff for answers.

Some frequently asked questions when applying for an HSBC unsecured loan

Is bad debt approved for a loan at HSBC?

HSBC is currently not supporting the group of customers with bad debts at other financial companies and banks.

How long does it take for an HSBC loan to be disbursed?

Loans at HSBC will be disbursed after 48 hours when your loan application is approved and approved successfully.

Is there a penalty fee for late payment of HSBC unsecured loan?

There will be a penalty fee according to the loan contract set out when you pay late, overdue the interest payment time at the bank.

Conclusion

Through the article, you must have understood the process when HSBC unsecured loan as well as the notes you should know when borrowing at the bank. Please prepare all the necessary procedures before coming to the branch to apply for a loan faster. Hope the post of Banktop will be useful to you.

The article was edited by: Banktop.vn