• Free overpayments up to 25% of the outstanding amount per calendar year
  • No salary transfer required
  • Interest is calculated on the daily outstanding balance of your Home Loan based on the AED EIBOR rate(2)
  • Rates starting from 3.24% p.a.3
Fees and Charges
  • The reducing rate of this finance is 3.24% and the equivalent flat rate is 1.8%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only
  • There is no processing fee for Home Loans Balance Transfer and Home Loans Balance Transfer with Top Up till 30 June 2015.
  • Property Insurance fee is 0.04% per annum of the value of the property.
  • The early settlement fee is 1% on the outstanding loan amount or AED 10,000, whichever is lower for the first three years. After that there are no early settlement fees.
Additional Info


  • Aged 21 to 65 years
  • 65 for salaried and 70 for self–employed/UAE Nationals
  • Minimum income of AED15,000 per month
  • Salaried or Self Employed
  • Customers residing outside the UAE applying for a mortgage will only be considered if they are Premier customers and meet the HSBC lending criteria

For UAE nationals, the maximum loan amount is up to 8 times the annual income or AED 20m, whichever is lower. For expats, the maximum loan amount is up to 7 times the annual income or AED 20 million, whichever is lower. Finance repayment period of up to 25 years.

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the 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 on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.