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Personal Loan

China Construction Bank (Asia) Hong Kong Personal Loan provides immediate liquidity whenever you need

In a fast-pace modern society, on-demand liquidity is the ideal tool to fulfill immediate financial goals for all occasions. A personal loan that comes with flexible payment terms, low monthly fee and easy application can be a long-term help.

Introducing China Construction Bank (Asia) Personal Installment Loan service.

CCB(Asia)'s personal installment loan service features easy application and flexible application terms. It is tailor-made with specific liquidity objectives of different potential applicants. Each case is treated individually and meticulously, ensuring all the needs of personal loan are taken care of.

CCB(Asia) Personal Loan also comes with low monthly flat rate that goes down with higher loan amount. Examples as below:

Now for a loan of HKD5,000 - 49,999, all successful applicants can enjoy a maximum monthly flat rate of 0.49% for up to 60 months of repayment period;

For a loan of HKD50, 000 - 99,999, the monthly flat rate will go down to 0.36% for a repayment period of up to 60 months;

For a loan of 100,000 - 199,999, the monthly flat rate will go down to 0.31% for a repayment period of up to 60 months;

For a loan of 500,000 - 799,999, the monthly flat rate will go further down to 0.23% for a repayment period of up to 60 months;

For a loan of 800,000 or above, the monthly flat rate will be 0.22% for a repayment period of up to 60 months;

The Annual Percentage Rate(APR) of Personal Loan ranges 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. For Personal 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.

Effective immediately, CCB (Asia) provides the following preferential terms for all eligible Personal loan Hong Kong applicants:

  • 1. All applicants can now apply for a loan up to HK$1,200,000 or 21 times of monthly salary (whichever is lower);
  • 2. All applicants can now have a monthly flat rate as low as 0.18%,
  • 3. All applicants will be waived of handling fee when applying for the personal loan;
  • 4. Applicants will receive one-on-one, tailor-made loan plan with the direct assistance of Personal Loan Centre managers;
  • 5. Professional occupations such as civil servant, government related organizations, tertiary institutions, public utilities organization, and banking staffs may enjoy the interest rate as shown above;

All eligible personal Hong Kong applicants of CCB(Asia) Personal Installment Loan who drawdown the loan and sign up designated Banking Services at the same time may receive a maximum cash Rebate of HK$500.

CCB (Asia) Personal Loan provides on-time liquidity with applicants' needs in mind. For more details, feel free to contact our representatives and personal loan centre managers at all CCB(Asia) branches or via phone or website today.

To borrow or not to borrow? Borrow only if you can repay!

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