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Personal Loan Center Manager
Personal Loan
   
  From now till December 31, 2017, successfully apply for Personal Loan can enjoy the below privileges:  
 
New Promotion1
  • Enjoy up to HK$3,000 Cash Rebate for loan drawdown
  • Apply online to get up to HK$500 Supermarket Cash Coupon
  • Drawdown the loan and sign up designated Banking Services at the same time to get up to HK$500 Cash Rebate
 
 
Features
  • Monthly flat rate as low as 0.18%2
  • Loan amount up to HK$1,200,000 or 21 times of monthly salary (whichever is lower3)
  • Handling fee wavier
 
  Offers and services are bound by terms and conditions.  
 
Apply Online
 
Contact / Appointment with Personal Loan Center Manager4
 
 
Application hotline5317 95501/dial*0939 via mobile phone directly
 
 
CCB (Asia) Personal Loan Reference Rate Table6 - Selected Customers7
Loan Amount (HK$) Repayment Period (Months) 12 Months 24 Months 36 Months 48 Months 60 Months
5,000 - 49,999 Monthly Flat Rate 0.44% 0.44% 0.44% 0.46% 0.49%
APR 10.07% 10.30% 10.27% 10.68% 11.26%
Monthly Repayment (HK$) 878 461 322 255 216
50,000 - 99,999 Monthly Flat Rate 0.32% 0.32% 0.32% 0.34% 0.36%
APR 7.24% 7.45% 7.48% 7.90% 8.28%
Monthly Repayment (HK$) 866 449 310 243 203
100,000 - 199,999 Monthly Flat Rate 0.26% 0.26% 0.27% 0.28% 0.31%
APR 5.86% 6.04% 6.30% 6.51% 7.15%
Monthly Repayment (HK$) 860 443 305 237 198
200,000 - 499,999 Monthly Flat Rate 0.21% 0.21% 0.21% 0.23% 0.25%
APR 4.72% 4.88% 4.90% 5.36% 5.79%
Monthly Repayment (HK$) 855 438 299 232 192
500,000 - 799,999 Monthly Flat Rate 0.19% 0.19% 0.19% 0.20% 0.23%
APR (with cash rebate) 3.67% 4.10% 4.22% 4.50% 5.20%
APR (without cash rebate) 4.26% 4.41% 4.43% 4.66% 5.34%
Monthly Repayment (HK$) 853 436 297 229 190
800,000 or above Monthly Flat Rate 0.18% 0.18% 0.19% 0.20% 0.22%
APR (with cash rebate) 3.32% 3.80% 4.18% 4.47% 4.95%
APR (without cash rebate) 4.04% 4.17% 4.44% 4.66% 5.11%
Monthly Repayment (HK$) 852 435 297 229 189
 
 
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1Eligible Customers who successfully apply for a Loan through China Construction Bank (Asia) Corporation Limited (the “Bank”) and drawdown on or before January 31, 2018, with repayment tenor of 12 months or above and fulfill the requirements are entitled to up to HK$3,500 cash rebate. For details, please refer to promotional offer terms and conditions.
2The Annualized Percentage Rate (“APR”) is 3.32% (with HKD3,000 cash rebate) or 4.04% (without cash rebate). The APR of 3.32% or 4.04%, is calculated based on the monthly flat rate of 0.18% with loan amount of HKD800,000 and the repayment tenor of 12 months; APR of 4.95% (with HKD3,000 cash rebate) or 5.11% (without cash rebate)for loan tenor of 60 months, is calculated based on the monthly flat rate of 0.22%. The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year. The interest rate offer above is only available for selected customers who apply for Personal Installment Loan. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer, please contact the staff of the Bank for details. The Bank reserves the right of final decision on the interest rate and approval result.
3Loan amount up to HKD1,200,000 or 21 times monthly salary (whichever is lower) only applies to Balance Transfer Program. Loan amount up to HKD1,200,000 or 12 times monthly salary applies to Personal Installment Loan (whichever is lower).
4Enjoy one-on-one tailor-made personal loan plan made by Personal Loan Center Managers.
5Application hotline service hours: Monday to Friday 9a.m. - 9p.m. and Saturday 9a.m. - 6p.m.
6The APR stated are calculated based on 12, 24, 36, 48 and 60 month repayment period and middle value loan amounts of HKD27,500, HKD75,000, HKD150,000, HKD350,000, HKD650,000 and HKD800,000. The monthly repayment amount is calculated based on loan amount of every HKD10,000. Please note that the actual APR or monthly repayment amount of customers may be affected by customers' credit status and different from that in the above rate table. All loan repayment terms should be subject to the Bank's final approval and discretion. Customers should refer to the loan confirmation letter issued by the Bank for the actual details of the repayment terms.
7Selected customers include professional occupation, civil servant, government related organizations, tertiary institutions, public utilities organization, and banking staffs with monthly salary HKD30,000 or above. The Bank reserves the final right to interpret the definition of selected customers. The Bank reserves the right to, at any time, request further document(s) from applicant(s) with above occupation to enjoy above interest rate. Please contact our staff for the details of interest rate for non-selected customers.
Remark:
APR of Personal Installment Loan from minimum 3.32% (with cash rebate) or 4.04% (without cash rebate) to maximum 29.46% with repayment period from 12 to 60 months; APR of Balance Transfer Program Loan from minimum 5.18% to maximum 36.84% with repayment period from 6 to 84 months. For Personal Installment Loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate is 0.26% (APR 5.88%), and the total loan repayment amount is HKD103,128 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank’s approval.
 
To borrow or not to borrow? Borrow only if you can repay!
 
 
Promotional Terms & Conditions
A. General Promotional Terms and Conditions of China Construction Bank (Asia) Personal Loan ("the Promotion"):
  1. PROMOTION PERIOD - The promotion period is from August 1, 2017 to December 31, 2017, both days inclusive (the“Promotion Period”).
  2. OFFER - The Promotion is for customers who (i) are not currently maintaining the Bank’s Unsecured Personal Loan (except Tax Loan) or (ii) have not fully settled any type of the Bank’s Unsecured Personal Loan (except Tax Loan) or Secured Loan within the past 12 months from the date of this Loan application (“Eligible Customer”). Eligible Customers who successfully apply for Personal Installment Loan or Balance Transfer Program (the“Loan”)during the Promotion Period and drawdown the Loan on or before January 31, 2018, are entitled to a waiver of handling fee which is 1% per annum of the Loan amount (the“Waiver”). If Eligible Customers fulfill further requirements, they are also eligible for the Drawdown Offer, Online Channel Incentive and Welcome Reward (together with the Waiver, the“Offers”). Please refer to Part B to Part D for details.
  3. RIGHT TO VARY, ETC - The Bank reserves the right to amend or terminate these Terms and Conditions at any time at its sole and absolute discretion. In case of any dispute, the decision of the Bank shall be final.
  4. RESTRICTION - Each Eligible Customer shall only enjoy the Offers once notwithstanding the number of successful applications and drawdowns during the Promotion Period. If an Eligible Customer has more than one successful applications and drawdown, only the first successful application and drawdown amount will be eligible for the Offers. Employees of the Bank are not eligible for the Offers.
  5. ELIGIBILITY - Eligible Customer’s eligibility to the Offers under the Promotion is subject to Eligible Customer’s repayment account remaining valid with good repayment records (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Offers. If Eligible Customer cancels his/her repayment account or the repayment account is invalid during the Offers disbursement, Eligible Customer’s entitlement to the Offers will be forfeited. If Eligible Customer chooses to make early settlement or cancel the Loan, the Bank reserves the right to charge such Eligible Customer an amount equivalent to the amount of the Offers granted.
  6. INSTANT APPROVAL SERVICE (the“Service”) - Applicable to customers who apply in person at CCB (Asia) Personal Loan Centers and submit all the required documents at the same time. China Construction Bank (Asia) Corporation Limited (the“Bank”) may not offer the Service if customers do not provide the required documents or the loan applications do not fulfill the approval requirements of the Service. Processing time may vary from applicant to applicant. The instant approved loan result is for reference only. The Bank reserves the final decision on the approval result and to terminate or amend the Service at anytime. Service hours of instant approval of CCB (Asia) Personal Loan Centers: Monday to Friday - 9:00 a.m. to 7:00 p.m., Saturday - 9:00 a.m. to 1:00 p.m. ; closed on Sunday and Public Holiday.
  7. FUND DISBURSEMENT - Same day funds disbursement is only applicable on business days from Mondays to Fridays. Funds disbursement between 3:30 p.m. and 7:00 p.m. is only applicable to customers who collect cashier’s order in person at our Personal Loan Centers. Time for funds availability will depend on the disbursement method.
  8. FINAL DECISION - The Bank retains the final decision in any differences or disputes arising from the Promotion, and shall not be responsible or liable for any claims or liability resulting from the customer in the Promotion howsoever suffered or incurred.
  9. "TERMS AND CONDITIONS FOR CCB (ASIA) PERSONAL INSTALLMENT LOAN" PREVAILS - The Program is subject to the "Terms and Conditions for CCB (Asia) Personal Installment Loan", in case of any inconsistency between these terms and conditions and the Terms and Conditions for CCB (Asia) Personal Installment Loan, "Terms and Conditions for CCB (Asia) Personal Installment Loan" shall prevail.
  10. ENGLISH VERSION PREVAILS - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.
B. Terms and Conditions of the Drawdown Offer (“Drawdown Offer”):
  1. Eligible Customers who successfully apply for a Personal Installment Loan during the Promotion Period and drawdown on or before January 31, 2018 are entitled to receive the Drawdown Offer according to the requirements listed below:
    Loan Type Drawdown Loan Amount (HKD) Tenor Drawdown Offer
    Personal Installment Loan 400,000 to 799,999 12 months or above HKD 2,000 Cash Rebate
    800,000 or above HKD 3,000 Cash Rebate
  2. The entitled cash rebate will be directly credited to the customer’s repayment account on or before March 31, 2018. Please note that if customers choose other bank as their repayment account, other bank may charge a handling fee. If this is the case, the related handling fee will be deducted directly from the cash rebate.
C. Terms and Conditions of Online Channel Incentive (“Online Channel Incentive”):
  1. Eligible Customers who successfully apply for a Loan through the Bank’s website (www.asia.ccb.com) during the Promotion Period and drawdown on or before January 31, 2018 are entitled to receive the Online ChannelIncentive according to the requirements listed below:
    Loan Type Drawdown Loan Amount (HKD) Tenor Online Channel Incentive
    Personal Installment Loan or Balance Transfer 6,000 to 199,999 12 months or above HKD 100 supermarket cash coupon
    200,000 to 799,999 HKD 300 supermarket cash coupon
    800,000 or above HKD 500 supermarket cash coupon
  2. Supermarket cash coupon(s) (“Cash Coupon”) will be mailed to entitled Eligible Customer’s correspondence address within 2 to 4 weeks after loan drawdown.
  3. The Cash Coupon under the Promotion is subject to availability and in any event cannot be exchanged in any way for cash. The Bank shall have the right to offer alternative gift or benefit in substitution of the Cash Coupon. The Bank will not provide notice of non-availability or substitution.
  4. The validity and use of the Cash Coupon under the Promotion shall be subject to the relevant usage instructions and terms and conditions set out by the supplier. The Bank shall not act as, or assume any liability of, a product/service supplier (or its agent). Any claim, complaint, or dispute concerning any Cash Coupon must be referred to and resolved between the relevant supplier and the Eligible customer, which shall in no way relieve from his / her repayment or other obligations to the Bank.
D. Terms and Conditions of Welcome Reward:
  1. Eligible Customer must fulfill the following conditions:
    1. They are new customers who successfully applied for our banking services during the Promotion Period. New customers refer to those who have not maintained any account or banking products or services in sole name or joint name (excluding Credit Card Account and Loan) with the Bank in the past 12 months before the date of joining this Program, and
    2. Successfully apply for a Loan of the Bank according to the requirements listed below during the Promotion Period and drawdown on or before January 31, 2018, and
      Loan Type Drawdown Loan Amount (HKD) Tenor Welcome Reward
      Personal Installment Loan or Balance Transfer 5,000 to 499,999 12 months or above HKD 100 cash rebate
      500,000 to 799,999 HKD 200 cash rebate
      800,000 or above HKD 500 cash rebate
    3. Open a HKD checking / savings account (“Bank Account”) and open Online Personal Banking Service (including Online Banking PIN activation and first-time login to Online Banking) or apply for a UnionPay Dual Currency Debit Card (including successful usage of the card at least once) with the Bank and use the Bank Account as the Loan repayment account(“Repayment Accoun”) .
  2. The Bank will directly credit the Welcome Reward amount to the Repayment Account of Eligible Customer on or before March 31, 2018.
  3. If an Eligible Customer terminates the Repayment Account within 12 months of the Loan drawdown, he/ she shall agree to pay the Bank an administration fee of an amount equivalent to the amount of the Welcome Reward granted. The Eligible Customer shall agree the Bank to debit the Service Termination Fee and any fees, charges and sum due or payable by him/ her to the Bank in any of his/ her bank accounts maintained with the Bank in accordance with the“Terms and Conditions for CCB (Asia) Personal Installment Loan”(if applicable).
 
 


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