Interest Rates
Annual e-Deposit Interest Rates
e-Deposit minimum account opening amount is TRY 500 , USD 1.000, EURO 1.000, GBP 1.000 and maximum limit is TRY 250.000, USD 100.000, EURO 100.000 and GBP 100.000.
You can open an e-Deposit account instantly using your HSBC Retail Internet Banking password.
Please click here to find out how to receive an HSBC Retail Internet Banking password.
| |
TRY |
USD |
EUR |
GBP |
| Up to 1 Month (Including 1 Month) |
| 0-1 day | 14.75% | 0.85% | 1.00% | 1.00% |
| 2-6 days | 14.75% | 0.85% | 1.00% | 1.00% |
| 7-10 days | 14.75% | 0.85% | 1.00% | 1.00% |
| 11-29 days | 16.25% | 1.10% | 1.20% | 1.25% |
| 31 days | 18.25% | 2.80% | 5.00% | 5.45% |
| Up to 3 Months (Including 3 Months) |
| 30-59 days | 18.25% | 2.80% | 5.00% | 5.45% |
| 60-89 days | 18.25% | 2.95% | 4.40% | 5.50% |
| 91 days | 18.00% | 3.10% | 4.55% | 5.75% |
| Up to 6 Months (Including 6 Months) |
| 90-119 days | 18.00% | 3.10% | 4.55% | 5.75% |
| 120-179 days | 18.00% | 3.25% | 4.60% | 5.80% |
| 182 days | 18.25% | 3.40% | 4.70% | 5.95% |
| Up to 1 Year |
| 180-239 days | 18.25% | 3.40% | 4.70% | 5.95% |
| 240-269 days | 18.25% | 3.30% | 4.85% | 6.10% |
| 270-329 days | 18.25% | 3.30% | 5.00% | 6.15% |
| 330-364 days | 18.25% | 3.25% | 5.15% | 6.35% |
| 1 Year and over |
| 365-385 days | 18.25% | 3.25% | 5.15% | 6.35% |
Above rates are, maximum annual deposit rates indicator of HSBC BANK A.Ş.; all rights for giving lower rates to the customers are reserved.
Annual t-Deposit Interest Rates
t-Deposit minimum account opening amount is TRY 500 , USD 1000, EURO 1000, GBP 1.000 and maximum limit is TRY 250.000, USD 100.000, EURO 100.000 and GBP 100.000.
You can open an e-Deposit account instantly using your HSBC Retail Internet Banking password.
Please click here to find out how to receive an HSBC Retail Internet Banking password.
| |
TRY |
USD |
EUR |
GBP |
| Up to 1 Month (Including 1 Month) |
| 0-1 day | 14.50% | 0.85% | 1.00% | 1.00% |
| 2-6 days | 14.50% | 0.85% | 1.00% | 1.00% |
| 7-10 days | 14.50% | 0.85% | 1.00% | 1.00% |
| 11-29 days | 16.00% | 1.00% | 1.15% | 1.25% |
| 31 days | 17.75% | 2.80% | 5.00% | 5.35% |
| Up to 3 Months (Including 3 Months) |
| 30-59 days | 17.75% | 2.80% | 5.00% | 5.35% |
| 60-89 days | 17.75% | 2.80% | 4.30% | 5.40% |
| 91 days | 17.75% | 2.95% | 4.45% | 5.65% |
| Up to 6 Months (Including 6 Months) |
| 90-119 days | 17.75% | 2.95% | 4.45% | 5.65% |
| 120-179 days | 17.75% | 3.10% | 4.50% | 5.70% |
| 182 days | 18.00% | 3.25% | 4.60% | 5.85% |
| Up to 1 Year |
| 180-239 days | 18.00% | 3.25% | 4.60% | 5.85% |
| 240-269 days | 18.00% | 3.25% | 4.80% | 6.00% |
| 270-329 days | 18.00% | 3.25% | 4.90% | 6.05% |
| 330-364 days | 18.00% | 3.15% | 5.05% | 6.25% |
| 1 Year and over |
| 365-385 days | 18.00% | 3.15% | 5.05% | 6.25% |
Above rates are, maximum annual deposit rates indicator of HSBC BANK A.Ş.; all rights for giving lower rates to the customers are reserved.
Annual Time Deposit Interest Rates
| |
TRY |
USD |
EUR |
GBP |
| Up to 1 Month (Including 1 Month) |
| 0-1 day | 13.75% | 0.85% | 0.50% | 0.50% |
| 2-6 days | 13.75% | 0.85% | 0.50% | 0.50% |
| 7-10 days | 13.75% | 0.85% | 0.50% | 0.50% |
| 11-29 days | 15.00% | 0.85% | 1.00% | 1.00% |
| 31 days | 16.50% | 2.40% | 4.10% | 5.20% |
| Up to 3 Months (Including 3 Months) |
| 30-59 days | 16.50% | 2.40% | 4.10% | 5.20% |
| 60-89 days | 16.50% | 2.70% | 4.20% | 5.25% |
| 91 days | 16.75% | 2.85% | 4.40% | 5.45% |
| Up to 6 Months (Including 6 Months) |
| 90-119 days | 16.75% | 2.85% | 4.40% | 5.45% |
| 120-179 days | 16.75% | 3.05% | 4.45% | 5.55% |
| 182 days | 17.00% | 3.15% | 4.60% | 5.65% |
| Up to 1 Year |
| 180-239 days | 17.00% | 3.15% | 4.60% | 5.65% |
| 240-269 days | 17.00% | 3.20% | 4.75% | 5.80% |
| 270-329 days | 17.00% | 3.20% | 4.80% | 5.80% |
| 330-364 days | 17.00% | 3.15% | 4.95% | 6.05% |
| 1 Year and over |
| 365-385 days | 17.00% | 3.15% | 4.95% | 6.05% |
Above rates are, maximum annual deposit rates indicator of HSBC BANK A.Ş.; all rights for giving lower rates to the customers are reserved.
HSBC Advantage Purchase Interest Rates:
HSBC Advantage Campus / Classic / Gold / Platinum Credit Cards:
| Credit Card Transactions |
YTL |
USD |
| Credit Interest Rate |
%4,54 |
%2,52 |
| Cash Advance Interest Rate |
%4,54 |
%2,52 |
| Delinquency Interest Rate |
%5,29 |
%2,99 |
| HSBC Campus Credit Card Credit Interest Rate |
%4,54 |
%2,52 |
| HSBC Campus Credit Card Cash Advance Interest Rate |
%4,54 |
%2,52 |
| HSBC Campus Credit Card Delinquency Interest Rate |
%5,29 |
%2,99 |
All rates are quoted per month, unless otherwise stated, and are subject to change. HSBC Advantage Card USD Interest Rates will be 2,59% Purchase, 3,12% Delinquency as of 20 June 2008
Overdraft Account and School Payments Credit Limit Monthly Interest Rates
| |
YTL |
USD |
| School Payments Credit Limit Interest Rate |
4,50% |
- |
| Overdraft Account Interest Rate |
4,50% |
- |
Monthly Interest Rates on Consumer Loans
Interest Rates on YTL Loans
| Term (Months) |
6 Mn | 12 Mn | 18 Mn | 24 Mn | 36 Mn | 48 Mn | 60 Mn | 84 Mn | 120 Mn | 180 Mn | 240 Mn | 360 Mn |
| Personal Finance Loan | 1,89 | 1,89 | 1,89 | 1,79 | 1,79 | 1,79 | 1,79 | 1,79 | 1,79 | - | - | - |
| Education Loan | 2,00 | 2,00 | 1,95 | 1,95 | 1,95 | - | - | - | - | - | - | - |
| Personal Loan for Marriage | 2,00 | 2,00 | 1,95 | 1,95 | 1,95 | - | - | - | - | - | - | - |
| Personal Loan | 2,04 | 2,04 | 1,99 | 1,99 | 1,99 | - | - | - | - | - | - | - |
| Mortgage Loan with Discounted Rates** | 1,13 | 1,38 | 1,45 | 1,48 | 1,50 | 1,51 | 1,52 | 1,53 | 1,56 | 1,58 | 1,60 | 1,61 |
| Car Loan Discounted** | 1,13 | 1,39 | 1,46 | 1,50 | 1,53 | 1,55 | 1,55 | - | - | - | - | - |
| Mortgage | 1,73 | 1,73 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 | 1,65 |
| Car Loan* | 1,79 | 1,79 | 1,79 | 1,70 | 1,70 | 1,70 | 1,70 | - | - | - | - | - |
In the above table, the interest rates for Consumer Loans, Overdraft and School Payments Credit Limits are monthly, and valid from 10.10.2007 onwards. HSBC Bank A.Ş. reserves the right to change interest rates at any time without the need for prior notification.
* If insurance is not made via HSBC, loan rates will increase by 0.05 bps.
**Interest rates for Mortgage Loan
with Discounted Rates are accounted for a credit report fee of 1% over the loan
amount (Min. YTL 500) and an extra commission of 2%, whereas, Interest rates for
Car Loan with Discounted Rates are accounted for a credit report fee of 0.5%
over the loan amount (Min. YTL 250 – Max. YTL 450) and an extra commission of
2%.
Limits and Guarantees on Consumer Loans
| |
Minimum Credit |
Maximum
Credit |
Guarantees & Collateral |
| Personal Loan |
YTL3.000,00 |
YTL20.000,00 |
Personal Accident Insurance |
| Car Loan |
YTL3.000,00 |
0 km; 75% of price including VAT. Second-hand* 75% of car insurance(Kasko) cost for YTL loans. FX-indexed loans cover a maximum of 50% in each category. |
Car Pledge,
Car Insurance
(Kasko),
Personal Accident Insurance |
| Mortgage |
YTL5.000,00 |
75% of expert appraisal value of the house for YTL loans. FX-indexed mortgages cover 50% of the appraisal value. |
House Mortgage,
House Insurance,
Personal Accident Insurance |
| Personel Finance Loan |
YTL5.000,00 |
YTL100.000,00 |
House Mortgage,
House Insurance,
Personal Accident Insurance |
| Education Loan |
YTL1.000,00 |
USD20.000,00 (equivalent YTL or EUR) |
Guarantor**,
Personal Accident Insurance |
Additional documents and guarantees can be requested in accordance with the conditions of the loan requested.
* For second-hand car purchases, the sum of loan term (year) and age of the car can not exceed 8 years regarding existing maximum loan terms.
** Guarantor is required for applications over $10.000 (equivalent YTL / EUR).
