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.

Enquiry

specialLoan Features

  • Loan amount up to HK$3 million or 12 times of your monthly salary, whichever is lower

  • Flexible repayment tenor up to 60 months
  • Same day fund disbursement1 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)

Enquiry
Application Hotline +852 3179 5501
Remark:
  1. Same day fund disbursement is only applicable on business days from Mondays to Fridays. Funds availability will depend on the disbursement method.
  2. 7-day Cooling-off Period
    i) Borrower who successfully apply and drawdown the loan may apply early repay the loan in full within 7 calendar days of the drawdown date ("7-day Cooling-off Period").
    ii) Any application for early repayment of the loan within the 7-day Cooling-off Period must be made by Borrower within 7 calendar days of the drawdown date, contact the Bank's hotline 3179 5501 to request early repayment of the loan and visit the Bank's branches in person to settle the Principal Loan amount in full.
    iii) If the Borrower repay the loan in full within 7-day Cooling-off period, the Bank may waive the handling fee, interest and Prepayment / Early Settlement Fee/ Redemption Fee under the relevant loan.
To borrow or not to borrow? Borrow only if you can repay!