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Home Improvement Loan

Get the most out of your property with a Home Improvement Loan.

Make the most of your home

There's always something that needs doing around the home. Whether you're planning a new kitchen or some new furniture, a Home Improvement Loan could help you make your dream home a reality sooner.


Personal loan indicative repayment calculator terms and conditions:

The example shown in the calculator, including monthly repayments and APR, is not a quotation and is for indicative purposes only. It also assumes you make repayments in full and on time. A final quotation will be provided when you apply, and your APR, loan amount and monthly repayments may vary. Your final APR and loan approval are based on your individual circumstances, and are subject to satisfactory documentation, internal policy, credit bureau checks and salary transfer.

Rates are quoted on a reducing rate per annum.

Staff of the General Head Quarters of the UAE Armed Forces can take out a personal loan of up to 60 months, provided they meet our eligibility criteria.

Why get a Home Improvement Loan with us?

  • Flexible repayment terms
    Pay back your loan over a period that suits you, from 6 months to 4 years (48 months).
  • No credit life insurance needed
    Unlike with some personal loans, there's no need to buy extra insurance.
  • A personalised interest rate
    We'll give you a rate that's based on your own personal circumstances.
  • Top up your loan if you need to
    If you need additional funds later on, you may be able to borrow more (subject to eligibility and approval).

Rate information


Representative rate for an HSBC Premier customer working for an HSBC listed company who transfers their salary to HSBC. This rate may vary depending on the customer segment and prevailing market conditions[@aprloan]. 

Representative example:
Total loan amount Loan term (months) Monthly instalment


(annual percentage rate)

Total interest (for the term of the loan) Total processing fees (including VAT)
AED 150,000

48 AED 3,591

7.24% AED 22,380

AED 1,575
Representative example:
Total loan amount AED 150,000

Loan term (months) 48
Monthly instalment AED 3,591


(annual percentage rate)

Total interest (for the term of the loan) AED 22,380

Total processing fees (including VAT) AED 1,575

An illustrative example of monthly instalment, total interest and total processing fee for an HSBC Personal Loan for an HSBC Premier customer.

Get an exclusive loan rate if you're installing solar panels

Looking to save on your electricity bill? If you use an HSBC Energy Efficiency Loan to buy and install solar PV panels, you can enjoy a rate of 6.99% APR, with no processing fee. To find out more, just request a callback and ask our adviser about Energy Efficiency Loans.

HSBC Energy Efficiency Loans are available exclusively for the purchase of solar PV panels from DEWA- and ADDC-registered companies.

Things to know

Who can apply?

You can apply for a Home Improvement Loan if you:

  • Are a UAE national or resident
  • Are aged 21 to 65
  • Earn at least AED 7,500 a month[@loanapproval]
  • Have or will open an HSBC current account and transfer your salary into it

If you do not keep up your repayments/payments, you may lose your property.

You may have to pay penalties if you pay off a loan/financing early.

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit.

Ready to apply for a Home Improvement Loan?

To apply for a loan or to find out more, request a callback and speak with a member of our team.

We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you.

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Additional information

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