Fees and Charges
  • The processing fee is 0.5% of the loan amount for Premier Customers & 1% of the loan amount for Advance & Personal Banking customers [Min AED 5,000].
  • Property Insurance fee is 0.04% per annum of the value of the property.
  • The interest rate starts from 3.24% and will depend on the customer profile as decided by the bank.
Additional Info
  • 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 20m, whichever is lower. Finance repayment period of up to 25 years.
  • It is not a requirement to transfer your salary to apply.


  • 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
** 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.