Greater Bay Area Consumer Loan

Make future planning easier with
sufficient funds

To provide convenient financial services for Hong Kong people studying, working and living in the Greater Bay Area and also facilitating Hong Kong people's development in the Mainland.

specialLoan Features

  • Loan amount up to HK$1.2 million or 12 times of your monthly salary, whichever is lower

  • Flexible repayment tenor up to 60 months
  • Instant approval1 and same day fund disbursement2 to your designated bank account
  • Handling fee waiver
For more tips and information, you may refer to our Key Facts Statement (KFS) for Installment Loan or Financial Tips of this website.

applyApplication Requirement

  • A Hong Kong permanent resident aged 18 or above
  • Minimum annual income of HK$64,000
  • Be employed for at least 6 months at the current job

docDocument Requirement

To apply for our Greater Bay Area Consumer Loan, please submit the following documents:

  • A copy of Hong Kong Permanent Identity Card

  • Proof of income

  • The latest month's salary slip

  • The latest 3 months' payroll account bank statement / account passbook (with the first page showing your name and account number)

  • The latest Salary Tax / Profit Tax Demand Note

  • The latest 1 month’s Mandatory Provident Fund statement

  • The current residential proof dated within the last 3 months

  • Proof of the residence in Greater Bay Area, such as property ownership certificate, bill payment on water, electricity, gas, etc.

  • Any other document (upon request)

Apply Online
Application Hotline3 +852 317 95539
  1. Instant approval service (the "Service") is applicable to customer who applies in person at our Small Enterprise and Personal Loan Services with full submissions of all the required documents at the same time. The Bank may not offer the Service if customer does not provide the required document or the loan application does not fulfill the approval requirements of the Service. The processing time may vary from applicant to another. The instant approval result is for reference only. The Bank reserves the right of final decision on the approval result and to terminate or amend the Service at anytime.


    Service hours of instant approval service

    Small Enterprise and Personal Loan Services

    Monday – Friday

    9:00 am – 5:00 pm


    9:00 am – 1:00 pm

    Sunday and Public Holiday


  2. Same day fund disbursement is only applicable on business days from Mondays to Fridays. Funds availability will depend on the disbursement method.
  3. Application hotline service hours: Monday to Friday 9a.m. - 8p.m. and Saturday 9a.m. - 1p.m.
To borrow or not to borrow? Borrow only if you can repay!