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  "url": "https://spill.sg/p/hsbc-personal-loan-from-1-3-percent-2026-11-10",
  "brand": "HSBC",
  "title": "Personal loan from 1.3% p.a. (EIR 2.5% p.a.), no processing fee",
  "summary": "HSBC Personal Loan at a promotional rate from 1.3% p.a. (EIR 2.5% p.a.) with zero processing fee; borrow up to 8 times monthly salary and repay over up to 7 years.",
  "deal_type": "other",
  "badge": "1.3% p.a.",
  "price_sgd": null,
  "original_price_sgd": null,
  "start_date": null,
  "end_date": null,
  "time_note": null,
  "conditions": "Age 21 to 65; minimum annual income S$65,000 for new HSBC customers (S$30,000 to S$40,000 for existing customers with S$50,000 or more with HSBC); rate set by your credit profile; apply online with Myinfo.",
  "details": [
    {
      "heading": "Promotional rate",
      "lines": [
        "From 1.3% p.a. (EIR 2.5% p.a.) up to 9.3% p.a. (EIR 17.0% p.a.), based on your credit profile (the page's FAQ says up to 9.5% p.a.)",
        "If your rate is above 1.3% p.a., HSBC asks for your OK by SMS before drawdown",
        "Zero processing fee (page headline); the FAQ says EIR includes a 1% processing fee, minimum S$88, where applicable"
      ]
    },
    {
      "heading": "How much and how long",
      "lines": [
        "Up to 8 times monthly income or S$100,000, whichever is lower",
        "Annual income S$120,000 and above: up to 8x monthly income; S$30,000 to under S$120,000: up to 4x; foreigners: 1x",
        "Repay over up to 7 years"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Minimum annual income S$65,000 for new HSBC customers and foreigners; existing customers with S$50,000 or more with HSBC: S$30,000 salaried or S$40,000 self-employed (Singaporeans/PRs)",
        "Foreigners need a work pass valid at least 12 months for the instalment plan",
        "Prevailing Personal Line of Credit rate: 22.9% p.a.",
        "T&C: Personal Line of Credit General and Promotion Terms and Conditions (effective from 1 October 2026) PDF"
      ]
    }
  ],
  "promo_url": "https://www.hsbc.com.sg/loans/products/personal-line-of-credit/instalment-plan/",
  "booking_url": "https://www.loans.hsbc.com.sg/hsbcstpl/#!/app/journey/select-loans?promo=STL&sourceCode=9E",
  "pdf_url": "https://www.hsbc.com.sg/content/dam/hsbc/sg/documents/loans/personal-line-of-credit/additional-terms-and-conditions.pdf",
  "promo_code": null,
  "coupons": [],
  "eligibility": [],
  "category": "finance",
  "status": "undated",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2026-11-10T14:57:27.000Z",
  "source_url": "https://www.hsbc.com.sg/loans/products/personal-line-of-credit/instalment-plan/",
  "image_url": "https://spill.sg/deal-img/hsbc-personal-loan-from-1-3-percent-2026-11-10.webp?v=80328c0131",
  "original_url": "https://www.hsbc.com.sg/loans/products/personal-line-of-credit/instalment-plan/",
  "original_type": null,
  "original_text": null,
  "confidence": "high",
  "sponsored": false,
  "verified_by_brand": false,
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