Make the most of your home

There's always something that needs doing around the home. A Home Improvement Loan could help you get the most out of your property sooner rather than later. Rates start from only 6.49% per annum.1 & 2

Already an HSBC Customer?

Log on to online banking for the quickest and easiest way to apply.

Why you'll want an HSBC Home Improvement Loan

  • Flexible terms
    Pay your loan back over 12 to 48 months.
  • Finance your plans
    Borrow up to AED 1,000,000 if you're a UAE national; for expats, it's up to AED 750,000 (eligibility subject to bank policies and credit bureau checks).
  • Individualized interest rate
    Get an interest rate based on your profile.
  • No need for Credit life insurance
    Take out your loan without having to pay for extra insurance.
  • Quick decision
    Get an approval in principle on your loan in 10 minutes if you apply online.1
  • Adaptable to meet your needs
    Top-up option to accommodate your ever-changing financial needs.1

Are you eligible?

You can apply for a Home Improvement Loan if you:

  • are a UAE national or resident
  • are between 21 and 65 years old
  • earn at least AED 7,500 a month
  • have a current account with HSBC and credit your salary to that account

Things you should know

Representative example

The table shows a typical example of monthly instalments for an HSBC Personal Loan.
Total loan amount Repayment time Monthly instalment3
AED 100,000 48 months AED 2,512
The table shows a typical example of monthly instalments for an HSBC Personal Loan.
Total loan amount AED 100,000
Repayment time 48 months
Monthly instalment3 AED 2,512

How to apply

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A safety net for life's unexpected expenses.


Make memories in a new home.


1Rate based on reducing balance.

2Final approval is subject to satisfactory documentation, salary transfer, internal policies and credit bureau checks.

3This example is calculated on the basis of an Advance customer applying for a personal loan of AED 100,000 for 48 months at an interest rate of 9.49%. This customer is also working for a company listed with HSBC as an Approved Employer.