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Asset-Linked Finance

Your deposits are opportunities

Unlock funds from your existing deposits

Asset-Linked Finance is a facility granted against saving certificates and time deposits held with HSBC, providing you access to funds without having to withdraw cash from your savings. With Asset-Linked Finance, you'll continue to earn interest on your savings certificate or time deposits, while having easy access to cash for your immediate financial needs.

What you'll get with Asset-Linked Finance

  • Competitive fixed interest rate

  • Access to cash without touching your savings so you continue to earn interest

  • Optional debit card or chequebook to use your funds

  • Flexible repayment period of up to 84 months

Amount you can access

The funds available depend on the type of finance you require and the savings certificate or time deposit you hold.

Percentage of security available by finance type for each of our deposit accounts

Finance type Savings certificate EGP time deposits Foreign currency time deposits
Personal finance 90% of security 90% of security 95% of security
Overdraft 90% of security 90% of security 90% of security

Percentage of security available by finance type for each of our deposit accounts

Finance type Personal finance
Savings certificate 90% of security
EGP time deposits 90% of security
Foreign currency time deposits 95% of security
Finance type Overdraft
Savings certificate 90% of security
EGP time deposits 90% of security
Foreign currency time deposits 90% of security

Please note that foreign currency facility against national local currency is not allowed.

Eligibility

Asset-Linked Finance is available to Egyptian nationals and non-Egyptians who meet the following criteria:
  • You must maintain deposits or investments such as savings certificates or time deposits with HSBC.
  • Finance in EGP must be secured by saving certificates and time deposits in EGP.
  • Finance in foreign currency must be secured by deposits in foreign currency.
  • The finance amount must not exceed 95% of the security amount if secured by foreign currency time deposits.
  • The finance amount must not exceed 90% of saving certificates or time deposit in EGP.

Required documents

  • Valid National Identification card (for Egyptians)
  • Valid passport and valid residency (for foreigners)

Things you should know

Interest rates are calculated based on the bank's announced rate at the time of application. The interest rate will stay fixed during the finance tenor, therefore the finance instalments and the finance tenor will stay fixed.

How to apply

We'll call you

Request a call back for priority processing and faster financing credit. Our team is available weekdays from 9.30am to 3.30pm and will be in touch within 120 minutes.1

Call us

Contact us by phone every day from 9am to 11pm.

Visit a branch

Speak to us in branch to start an application.

Frequently asked questions

What is Asset-Linked Finance? 

How is the interest rate calculated for Asset-Linked Finance? 

Why choose Asset-Linked Finance? 

If I want to settle my Asset-Linked Finance are there any fees I should pay? 

1Call back is available from 9.30am to 3.30pm, Sunday to Thursday. If you ask for a call back outside these hours, we'll call you the next working day.

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