Personal Loan for Employees of China’s State-Owned Enterprises

Satisfy your financial needs

Selected Overseas Employees of China’s State-Owned Enterprises who working in apply for Personal Loan, can enjoy:



Key Facts Statement (KFS) for Installment Loan

Loan Features

  • Loan amount up to HK$2,000,000 or 12 times monthly salary (whichever is lower)

  • Flexible repayment tenor up to 60 months

  • 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.

Terms and Conditions:

  • The offer above is only applicable for selected overseas employees of China’s State-Owned Enterprises who working in Hong Kong apply for Personal Loan.
  • Loans and Promotion offers shall be bound by relevant terms and conditions. For details, please contact our staff of China Construction Bank (Asia) Corporation Limited (the "Bank"). The Bank reserves the right to amend the terms and conditions at any time at its sole and absolute discretion without prior notice. In case of any dispute, the decision of the Bank shall be final.

Application Requirement

  • be aged 21 or above and an employee of selected China’s State-owned Enterprise working in Hong Kong

  • have remaining working period in Hong Kong of at least 6 months*

  • have been at least one year with the same employer or 18 months in the same field

  • have a monthly salary of HK$30,000 or above


Document Requirement

  • Hong Kong Identity Card

  • Chinese Identity Card*

  • Exit/Entry Permit for Travelling to and from Hong Kong and Macau (related page(s) of personal and employment information in Hong Kong)*

  • Hong Kong’s residential address proof issued within latest 3 months

  • Latest Salaries Tax Employer’s Return/Tax Bill in Hong Kong

  • The most recent 3 months’ payroll slips/payroll account records or employer’s salary confirmation letter

  • Latest employment contract and a confirmation letter issued by Human Resources supporting the working period in Hong Kong*

  • Any other document (upon request)

* Not applicable to Hong Kong Permanent Resident




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