A. IntroductionWe are interested in the loan services of Hongkong and Shanghai Banking Corporation Limited (HSBC) because nowadays many people have impulsive consumer behavior to obtain a loan. We believe that loan services are important to finance a vacation or to pay taxes, depending on the customer's needs. We will search the HSBC website for useful information about loan services. This is because HSBC's information is credible and useful.B. Characteristics / Characteristics of banking products or services We choose the personal installment loan and the revolving credit. A personal installment loan is an HSBC loan that allows you to borrow up to HKD 800,000 and repay the loan in fixed installments. The features of personal installment loan are: • Quick loan application approval and cash withdrawal within 5 minutes to provide you with instant cash needs.*• You can withdraw the amount you need or the entire principal repaid without reapplying**. • Borrow a personal loan of up to HKD 800, 000 or 8 times your monthly salary, whichever is lower. • Benefit from favorable rates - the higher the personal loan, the higher the interest low.• Benefit from a personal loan repayment schedule of 6 to 48 months depending on your needs.• Proof of income is not required if you have had a payroll account with HSBC for one month. Employees with irregular income (including customers working part-time, on a commission or profit-sharing basis) are required to provide proof of income for the last 3 months.*Requests must be submitted during service hours of the Bank (Monday to Friday: 9 a.m. to 8 p.m.). , Saturday from 9 a.m. to 1 p.m., accept public holidays or opening hours of each agency) with all the required information (including without ...... middle of paper ...... in the application to provide to customers. This can increase HSBC The image of the bank Consumers must take into account when choosing loan services Customers must consider that they have sufficient capacity to repay a debt and a rate. high interest. Works Cited 1) Hong Kong Institute of Bankers, Fundamentals of Banking and Financial Planning Study Manual, 2006, Chapter 2, pp. 1-222) Hong Kong Institute of Bankers, Hong Kong Banking System and Practice, 4th edition, 1998, chapter 7, pp.102-119 Website1. http://www.hsbc.com.hk/1/2/home2. http://wiki.answers.com/Q/What_are_the_Advantages_and_disadvantages_of_a_bank_loan#slide23. http://www.standardchartered.com.hk/borrow/loans-revolving-cash-card.html4. http://www.hsbc.com.hk/1/2/special/loans/rcf5. http://www.standardchartered.com.hk/borrow/loans-personal-instalment.html6. http://www.hsbc.com.hk/1/2/hk/loans/pil