HSBC has just launched the grand end of year Christmas Season discounts for the third successive year. The special offers on flexicredit, home loans and maxicredit and credit cards are available until January 31, 2008.

Special offers on Flexicredit loans allow a three-month repayment holiday, a one per cent discount on interest rate, no processing fees and lending facilities exceeding Lm5,000 may be repaid over six years instead of five.

A three-month repayment holiday and waiving of processing fees are also offered on HSBC Home Loans and Maxicredit loans.

Classic credit cards bought in this period are free of charge for the first year, and there is zero interest payable for the first three months from issue on purchases made through use of the card. Fees are also waived for the first year of all supplementary Gold cards.

All customers taking out these products can win fantastic prizes. In February 2008, 10 names will be drawn randomly to participate in a Grand Quiz, where the first and second placed participants may win an eight-day Mediterranean cruising holiday on the mv Costa Concordia, for two persons. The next placed three participants will win a state-of-the-art 32” LCD TV. The remaining five participants will each win a mobile phone.

Godfrey Swain, HSBC Malta’s head of personal financial services said: “Customers invariably expect to receive an excellent service from HSBC together with a range of unique and competitive products. Consumer lending products are now being made more attractive with the launching of these great offers and incentives.

“The fantastic prizes linked to this campaign will continue to cement HSBC’s reputation as the prime mover in retail banking.”