Promotion Terms and Conditions of Balance Transfer Promotion (“The Promotion”):

  1. PROMOTION PERIOD - The Promotion Period is from November 1, 2025 to December 31, 2025, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER - The promotion is applicable to the new customers who do not have any outstanding balance of Unsecured Personal Loan of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) as of October 31, 2025 (“Eligible Customer”).
  3. OFFERS - Eligible Customers who successfully apply for Balance Transfer of the Bank (the “Loan”) during the Promotion Period and drawdown by January 31, 2026 with loan amount HK$100,000 or above and repayment tenor of 36 months or above are entitled to Cash Rebate (“Cash Rebate”) as specified below.
  4. CASH REBATE
    Drawdown Loan Amount (HK$) Cash Rebate (HK$)
    100,000 - 199,999 1,300
    200,000 - 299,999 2,500
    300,000 - 399,999 4,000
    400,000 - 499,999 5,000
    500,000 - 599,999 6,500
    600,000 - 799,999 9,000
    800,000 - 999,999 12,000
    1,000,000 or above 14,500

    Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 in order to receive Cash Rebate. Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before March 31, 2026.

  5. RESTRICTION - Each customer shall only enjoy the Cash Rebate once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Cash Rebate. The Cash Rebate cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
  6. ELIGIBILITY - Eligible Customer’s eligibility to the Cash Rebate under the Promotion is subject to Eligible Customer’s repayment account, HKD Savings Account / Checking Account in the Bank remaining valid with good repayment records (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Cash Rebate. 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 Cash Rebate granted.
  7. RIGHT TO VARY AND FINAL DECISION - The Bank reserves the right to amend these Terms and Conditions, or amend, cancel or terminate the Program at any time at its sole and absolute discretion. The Bank shall not be responsible or liable for any claims or liability resulting from the customer in the Program howsoever suffered or incurred. In case of any dispute, the decision of the Bank shall be final.
  8. SUBJECT TO TERMS AND CONDITIONS - The Program is subject to the "Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program”. In case of any inconsistency between these terms and conditions, the “Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program” shall prevail.
  9. ENGLISH VERSION PREVAILS - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Promotional Terms and Conditions for Online Application Offer("The Program ")

  1. PROMOTION PERIOD - The Promotion Period is from November 1, 2025 to December 31, 2025, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER – This Promotion is only applicable to customer who successfully apply for Personal Installment Loan / Personal Loan for Employees of China’s State-Owned Enterprises / Balance Transfer Program with loan amount equal or greater than HK$200,000 (collectively referred as the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) via designed online application from in our website or designated application form in our mobile app within Promotion Period and successfully drawdown the Loan. (“Eligible Customer”).
  3. REWARD - Eligible Customer will be entitled following Cash Rebate (“Cash Rebate ”):
    Loan Application Channel Cash Rebate (HK$)
    Personal Installment Loan / Personal Loan for Employees of China’s State-Owned Enterprises Designated online application form in our website 500
    Designated application form in our mobile app 1,500
    Balance Transfer Program Designated online application form in our website 500
    Designated application form in our mobile app 500
  4. CASH REBATE – Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 in order to receive Cash Rebate. Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before March 31, 2026.
  5. RESTRICTION - Each customer shall only enjoy the Cash Rebate once during the Promotion Period. Employees of the Bank are not eligible for this Promotion. This Promotion cannot be used in conjunction with any promotional offer(s) (except Personal Installment Loan Promotion and Balance Transfer Promotion).
  6. ELIGIBILITY – Eligible Customer must maintain good repayment record (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Cash Rebate. If Eligible Customer does not hold any valid HKD Savings / Checking Account in the Bank during Cash Rebate disbursement, Eligible Customer’s entitlement to the Cash Rebate will be forfeited.
  7. RIGHT TO VARY AND FINAL DECISION - The Bank reserves the right to amend these Terms and Conditions, or amend, cancel or terminate the Program at any time at its sole and absolute discretion. The Bank shall not be responsible or liable for any claims or liability resulting from the customer in the Program howsoever suffered or incurred. In case of any dispute, the decision of the Bank shall be final.
  8. ENGLISH VERSION PREVAILS – In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Promotional Terms and Conditions for Loan MGM Offer("The Program ")

  1. PROMOTION PERIOD - The Promotion Period is from November 1, 2025 to December 31, 2025, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER – This Promotion is only applicable to customer who successfully apply for Personal Installment Loan / Personal Loan for Employees of China’s State-Owned Enterprises / Balance Transfer Program (collectively referred as the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) within Promotion Period and successfully drawdown the Loan. (“Eligible Customer”). (holders of loan accounts that have been fully repaid are not eligible).
  3. NEW CUSTOMERS - Refers to new customers ("New Customers") who, as of October 31, 2025, do not have any outstanding loans in the Bank.
  4. REFERRAL REWARD – Refers to a reward granted to an Eligible Customer ("Referrer") who successfully recommends a New Customer to use the Referrer's exclusive referral code. This applies if the New Customer successfully applies for the loan and withdraws it on or before January 31, 2026. If the loan amount reaches HK$200,000 or more and the repayment period is 24 months or above ("Successful Referral"), a cash reward of HK$1,500 will be awarded ("Referral Reward"). Each Referrer may receive up to HK$15,000 in cash rewards (i.e., a maximum of 10 Successful Referrals). Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 in order to receive Cash Rebate. Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before March 31, 2026.
  5. RESTRICTION - Each customer shall only enjoy the Cash Rebate once during the Promotion Period. Employees of the Bank are not eligible for this Promotion. This Promotion cannot be used in conjunction with any promotional offer(s) (except Personal Installment Loan Promotion and Balance Transfer Promotion).
  6. ELIGIBILITY – Eligible Customer must maintain good repayment record (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Cash Rebate. If Eligible Customer does not hold any valid HKD Savings / Checking Account in the Bank during Cash Rebate disbursement, Eligible Customer’s entitlement to the Cash Rebate will be forfeited.
  7. RIGHT TO VARY AND FINAL DECISION - The Bank reserves the right to amend these Terms and Conditions, or amend, cancel or terminate the Program at any time at its sole and absolute discretion. The Bank shall not be responsible or liable for any claims or liability resulting from the customer in the Program howsoever suffered or incurred. In case of any dispute, the decision of the Bank shall be final.
  8. ENGLISH VERSION PREVAILS – In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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