Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
HSBC Home Finance HSBC Home Finance Minimum Salary: AED 15,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: - Reducing Rate: 3.24
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Get a call back within 24 hours (1) when you apply for a new, top up or a balance transfer Home Loan. Rates starting from 3.24% p.a. (2)

Get up to 100% off Home Loan Arrangement Fees, and get Valuation Fee Refunds:

  1. 1. Arrangement Fee Discounts:

• For all transaction types (except Balance Transfer): get 50% discount on standard Home Loan Arrangement Fee
• For Balance Transfer transactions: get 100% waiver of standard Home Loan Arrangement Fee

2. Valuation Fee Refunds:

• For balance transfer transactions the valuation fee (i.e. AED 2,625) will be refunded after your loan is disbursed.

Offer valid until June 30 2023.

  • Free overpayments up to 25% of the outstanding loan amount per calendar year
  • Interest is calculated on the daily outstanding balance of your Home Loan based on the AED EIBOR rate (3)
  • No salary transfer required
  • No early settlement charges after the first 3 years(4)
  • Get AED 2,500 cash back (5) on all new, top up or balance transfer Home Loans.
  • Loan Amount: Up to 8 times the annual income or AED 20M (whichever is lower) for UAE nationals and 7 times or AED 20M (whichever is lower) for expats
  • Down payment as per central bank regulations
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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