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From France : 0 810 815 819*
From Abroad : +33 1 55 69 74 54**
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* Cost of a local call from a fixed-line phone in France.
** Cost of a call from abroad.
Features
• Your repayments stay the same throughout the term of your loan(1).
• You set the terms of your loan and we take it from there.
• Your monthly repayments are flexible and can be adjusted upwards or downwards in line with your income.
• You benefit from a range of tailored insurance solutions to protect you and your loved ones(1).
(1) Subject to your application being approved.
• Monthly repayments that stay the same
• Flexible terms and conditions
• Insurance solutions to suit you
Monthly repayments that stay the same
Opting for a fixed-rate loan means your repayments stay the same no matter what happens.
Rates are set when your loan is approved and will remain unchanged(1).
Flexible terms and conditions
Once a year at any time, you can change your monthly payments based on a change in your financial situation(2).
• lower monthly repayments: limited to a 2-year extension on the initial term of your loan
• higher monthly repayments: limited to double the amount of monthly repayments set on approval of the loan
Where your finances permit, you can also switch to larger monthly repayments to pay off your loan more quickly and reduce the related costs.
On the other hand, if you are temporarily having difficulty making ends meet, you can reduce your monthly repayments to help you tackle your finances with added peace of mind.
Once your loan has been approved, you will be sent an offer by post. You may only confirm your acceptance of the loan following a period of 11 days. The offer is valid for 30 days from the date of receipt..
Insurance solutions to suit you
Life cover, total and irreversible incapacitation and work incapacity
A property loan comes with life cover and total and irreversible incapacity insurance (D, PTIA). Depending on the age and professional situation of a borrower, it is very often supplemented by a work incapacity insurance cover (D, PTIA, IT)(3).
AERAS Convention: insurance and loans for people with serious health problems
The AERAS Convention provides persons suffering or having suffered from serious health problems with access to insurance and loan solutions.
• Download the mini-guide (PDF format)
• Go to official site
(1) Subject to your application being approved. Borrowers have a 10-day cooling-off period from the date of receipt. If the sale depends on the loan being granted and it is refused, the seller must reimburse all payments.
(2) Mandatory 12 months between two changes. The first change may be made after the loan's first one-year anniversary. For deferred payment loans, the first change may only be made one year after the start of the loan's repayment schedule.
(3) The bank strongly recommends that you subscribe to collective insurance policy No. 001/900/29 taken out by HSBC France and its subsidiaries with HSBC ASSURANCES VIE (FRANCE), which is governed by the French Insurance Code. Within the limits set out in terms and conditions of the contract.
