“Low Interest” Balance Transfer Program

Monthly Flat rate as low as 0.23% and up to HK$5,000 cash rebate

Key Facts Statement (KFS) for Installment Loan
Low Interest
Our ‘Low Interest’ Balance Transfer Program^ enables you to settle your consolidated credit card debts in one easy go! Handling fee will be waived, and you can enjoy a monthly flat rate as low as 0.23%* and up to HK$5,000 cash rebate! Which means, you can save on interest expenses and make repayments that much easier!
Drawdown Loan Amount (HK$) Cash Rebate (HK$)
$50,000 - $299,999 $400
$300,000 - $499,999 $900
$500,000 - $999,999 $1,200
$1,000,000 or above $4,700
Loan Key Features
1-to-1 Dedicated Service Consultation
1-to-1 Dedicated Service Consultation

A dedicated person will analyze the balance and repayment status of each of your credit cards and tailor-make a suitable repayment plan for you.

Save up to 94% on Interest Expenses
Save up to 94% on Interest Expenses

Now you can reduce monthly repayments and save on interest expenses.

Example
Loan Amount HK$500,000 Monthly Repayment Amount Repayment Period Total Interest Expense
Current Credit Card Amount Outstanding1 HK$24,076 275 months HK$524,404
“Low Interest” Balance Transfer Program2 HK$22,084 24 months HK$30,016
Monthly repayment reduced by 8%
Repayment period shortened by 251 months
Save interest expenses by 94%
Notes: The above example is for reference only.
Apply online
Apply online to enjoy HK$300 Cash Rebate
Apply Online Now
Other Application Methods

^“Low Interest” Balance Transfer Program is a promotion plan under CCB(Asia) Balance Transfer Program.

*Monthly flat rate 0.23% (Annualized Percentage Rate (“APR”) 5.18%) is calculated on the basis of 12 months repayment period and the loan amount of HK$800,000. The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to the two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year. Please note that the actual APR of customers may be affected by customers' credit status and different from that in the above rate table. All loan repayment terms should be subject to the Bank's final approval and discretion. Customers should refer to the loan confirmation letter issued by the Bank for the actual details of the repayment terms. The Bank reserves the right of final decision on the interest rate and approval result.

Notes:

  1. Assuming the total outstanding loan amount is HK$500,000 and the interest rate is 30% per annum (Annualized Percentage Rate (“APR”) is 34.49%). The repayment period and total interest expense are calculated based on the minimum payment of 5% of the monthly outstanding.The monthly repayment amount is based on the average of the first 6 monthly repayment amounts.
  2. Assuming the loan amount is HK$500,000 and the repayment period is 24 months, no handling fees are incurred, and at an interest rate of 0.25% per month (APR is 5.81%). The above interest rate, monthly repayment amounts, loan tenor and interest savings may vary for individual customers and are subject to customer’s loan status and the final approval of the Bank.
  3. Application hotline service hours: Monday to Friday 9 a.m. – 8 p.m. and Saturday 9 a.m. – 1 p.m.

The APR is calculated according to the standard ofHong Kong Association of Banks and is rounded up/down to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year.The actual APR may vary for individual customers and the final interest rate will be subject to the credit status of thecustomer, please contact the staff of the Bank for details. The Bank reserves the right of final decision on the interest rate and approval result.

The above products and services are subject to relevant terms and conditions. Please contact our staff for more details.

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

Terms & Conditions
Promotion Terms & Conditions of CCB (Asia) “Low Interest” Balance Transfer Promotion (“The Promotion”):
  1. PROMOTION PERIOD - The Promotion Period is from August 1, 2022 to September 30, 2022, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER - The promotion is applicable to customers who do not have any outstanding balance for Balance Transfer Loan (the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) (“Eligible Customer”).
  3. OFFERS – Eligible Customers who successfully apply the Loan during the Promotion Period and drawdown by October 31, 2022 with loan amount HKD50,000 or above and repayment tenor of 12 months or above, subject to the terms herein and respective "Terms and Conditions for CCB (Asia) Personal Installment Loan”, are entitled to a waiver of handling fee which is 1% per annum of the loan amount (“Waiver”) and Cash Rebate(“Cash Rebate”) as specified below. Waiver and Cash Rebate are collectively referred as the “Offers”.
  4. CASH REBATE
    Drawdown Loan Amount (HK$) Cash Rebate (HK$)
    $50,000 - $299,999 $400
    $300,000 - $499,999 $800
    $500,000 - $999,999 $1,200
    $1,000,000 or above $4,700

    Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before December 31, 2022.

  5. RESTRICTION - Each customer shall only enjoy the Offers and Cash Rebate once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Offers and Cash Rebate. The Offers cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
  6. ELIGIBILITY - Eligible Customer’s eligibility to the Offers under the Promotion is subject to Eligible Customer’s repayment account remaining valid with good repayment records (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Offers. 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 Offers 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. "TERMS AND CONDITIONS FOR CCB (ASIA) PERSONAL INSTALLMENT LOAN" PREVAILS – The Program is subject to the "Terms and Conditions for CCB (Asia) Personal Installment Loan”. In case of any inconsistency between these terms and conditions and the Terms and Conditions for CCB (Asia) Personal Installment Loan", the “Terms and Conditions for CCB (Asia) Personal Installment Loan" / 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:
  1. PROMOTION PERIOD - The Promotion Period is from August 1, 2022 to September 30, 2022, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER – This Promotion is only applicable to customer who successfully apply for Personal Installment Loan / 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 within Promotion Period and successfully drawdown the Loan by October 31, 2022.
  3. REWARD - Eligible Customer will be entitled HK$300 Cash Rebate (“Cash Rebate”).
  4. CASH REBATE – Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before December 31, 2022.
  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 “Uniform Pricing” 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.