Terms and conditions apply. Representative example of Classic Home Loan based on a loan amount of €140,000 being made available to a first-time buyer by HSBC Bank Malta p.l.c. at a variable borrowing interest rate of 3.2% p.a. (APRC 3.3% p.a.) and repayable in 359 equal monthly instalments of €609.03 and one final repayment of €581.98 over a term of 30 years.  The total sum payable throughout the term of the loan assuming the interest rate remains unchanged will be €219,555.45.  Applicable charges on this loan are as follows - Processing fee of €50; Processing (Legal) fee of €100; updating of searches fee of €41.70; fee for post-deed checking of hypothecary charge of €60 and a closing of account fee of €80. The loan is to be secured by a first ranking hypothec and special privilege over the property being financed, a first ranking pledge over a life assurance policy covering the whole loan amount and a buildings insurance policy for the replacement cost of the property being financed. If repayments are not maintained, the bank may take steps to sell the property financed following legal proceedings and the borrower may lose his property.