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Features
• You benefit from the advantages of a flexible rate property loan to finance your future acquisition
• Your monthly repayments are flexible and can be adjusted upwards or downwards in line with your income
• You choose between the advantages of Fleximmo or Fleximmo 'Capé 2' (capped at 2 per cent)
• You benefit from a range of tailored insurance solutions to protect you and your loved ones(1)
(1)Subject to your application being approved.
• Why choose a flexible rate property loan?
• A flexible loan with flexible monthly payments
• Insurance solutions to suit you
Why choose a flexible rate property loan?
Fleximmo flexible rate loan
Fleximmo is indexed to the monthly average of the Euribor 12 months(1).
If the index drops, your monthly payments drop and so does the cost of your loan(2)
If the index rises, you can switch to a fixed rate loan, without having to wait for the end of the standard first-year period.
Fleximmo 'capé + 2', a flexible rate loan capped at 2 per cent
With Fleximmo 'capé + 2', not only do you benefit in full from a drop in interest rates, but you can also limit the impact should they go the other way(1). Any rises in interest rates are capped at +2 per cent of your initial rate.
With Fleximmo or Fleximmo "capé + 2", there are also no penalties on early repayments, both in part or in full(3).
A property loan with flexible monthly payments
Your flexible rate loan means that, once a year, you can change your monthly payments whenever you like to suit any changes in your finances(4).
• Lower monthly repayments: dans la limite d'un allongement de 2 ans de la durée initiale du prêt.
• Higher monthly repayments: limited to double the amount of monthly repayments set on approval of the loan
Where your finances allow, you can 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.
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 the borrower, it is very often supplemented by work incapacity insurance cover (D, PTIA, IT)(5).
The 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
With Fleximmo or Fleximmo "capé + 2", there are also no penalties on early repayments, both in part or in full(3).
(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) Subject to the terms of the loan.
(3) Where repayments are made prior to the switch to a fixed-rate.
(4) 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.
(5) 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.
