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China Construction Bank (Asia) Personal Overdraft offers you additional cash and super low rates, enabling you to enjoy greater flexibility in managing your finances. You can fulfill your plan with the greatest ease.
Our Personal Overdraft provides you with plenty of advantages, low interest rates for the first six months, low monthly repayment, high overdraft amount, waiver of 1st year credit life insurance premium and much more.
Interest Rates as Low as P-2.50%
We offer low interest rates on our Personal Overdraft, and even more attractive rates as low as P-2.50% for the first six months, letting you manage your finances wisely. For details, please refer to the table below.
Rate Table
For Priviledged Customers (including civil servants, professionals, staff of selected government organizations/public organizations, full-time teachers and staff of tertiary institutions/universities)
Overdraft Limit
(HK$) |
Interest Rate Per Annum |
| For the First 6 Months |
From the 7th Month Onwards |
| $300,000 or above |
P - 2.50% |
P + 0.75% |
| $100,001 - $299,999 |
P - 2.25% |
P + 1.25% |
| $50,000 - $99,999 |
P - 2.00% |
P + 1.75% |
| $20,000 - $49,999 |
P - 1.00% |
P + 3.50% |
For General Customers
Overdraft Limit
(HK$) |
Interest Rate Per Annum |
| For the First 6 Months |
From the 7th Month Onwards |
| $300,000 or above |
P - 2.50% |
P + 1.00% |
| $100,000 - $299,999 |
P - 2.25% |
P + 1.50% |
| $50,000 - $99,999 |
P - 2.00% |
P + 2.00% |
| $20,000 - $49,999 |
P - 1.00% |
P + 3.75% |
Flexible Repayment
You can decide the repayment amount according to your personal financial needs with a monthly repayment as low as 5% of your statement outstanding balance. You can choose to repay by check, through ATMs or Online Banking.
High Overdraft Amount
You can have overdraft amount as much as HK$400,000 or four times your monthly salary, ensuring abundant funds for use and advantages in managing your finances.
Direct Withdrawal from Overdraft Account
You can withdraw the cash directly from your overdraft account. It's easy and convenient.
Hassle-free Application
You need to be a Hong Kong resident
Aged 21 or above
Employed by your present employer for at least one year
Monthly salary of HK$20,000 or above
No guarantor or collateral is required. For enquiries, please call our
Personal Loan Hotline 2903 8338.
Apply now! You can secure additional cash at very low rates, and realize your plan with the greatest ease.
Remarks:
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"P" refers to the Hong Kong Dollar Best Lending Rate quoted by the Bank from time to time. The interest rate will be adjusted whenever the Best Lending Rate of the Bank changes. Interest is calculated on the basis of a 365-day year. |
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You have to pay a withdrawal fee of 1% based on your withdrawal amount. Alternatively, you can choose a Personal Overdraft option which does not require the withdrawal fee. For more information, please contact our staff. |
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An annual credit life insurance fee will be waived for the first year. Thereafter, 1% of line amount as an annual credit life insurance fee is required. |
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The Bank reserves the right to revise the service details/offers and its terms & conditions from time to time without prior notice. In case of dispute, the decision of the Bank will be final. |
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