Decoration Loan

Start your home makeover, enjoy low interest rate and cash rebate

Terms and Conditions apply.

Key Facts Statement (KFS) for Installment Loan

Looking for greater financial flexibility in furnishing or refurbishing your home?
Our Personal Installment Loan offers up to 60 months repayment tenor. From March 27, 2024 to April 25, 2024, you can enjoy handling fee waiver and an array of fabulous offers upon successfully apply our Loan. You can even enjoy income proof and address proof waiver+ for applying our Loan with loan amount up to HK$100,000! Submit application before 3pm and our Personal Loan Service Manager will reply on the same day#.



Preferential Rate

Monthly flat rate as low as 0.083%*



Drawdown Loan Offer
Repayment Period
(Months)
Drawdown Loan Amount (HK$)
100,001 – 399,999 400,000 – 2,999,999 3,000,000
Cash Rebate (HK$)
24 1% of drawdown amount (to the nearest dollar)
Example: 200,000 X 1% = 2,000
4,000 4,000
36
or above
8,000




Limited Time Super Offer!

Apply through
designated
application
form in CCB (Asia)
Mobile App and get
HK$1,500
Cash Rebate!

Scan QR code to download
CCB (Asia) Mobile App Now

or click here to download

How to apply Personal Installment Loan via CCB (Asia) Mobile App

Step 1:
Download and open CCB Asia App

Step1

Step 2:
Click “Personal Installment Loan” icon

Step2

Step 3:
Click one of the “Personal Installment Loan / Tax” banner

Step3

Step 4:
Follow the instruction and start application

Step4




Step 1:
Open CCB Asia App and Logon

Step1

Step 2:
Click “Credit Card / Loan” icon

Step2

Step 3:
Click “Personal Loan” icon in Menu under “Loan” tab

Step3

Step 4:
Click one of the “Personal Installment Loan / Tax” banner

Step4

Step 5:
Follow the instruction and start application

Step5





OR you may click here to apply online and get HK$500 Cash Rebate.








Reference Rate Table:
Repayment Period
(Months)
Drawdown Loan Amount (HK$)
5,000 – 100,000 100,001 – 300,000 300,001 – 600,000 600,001 - 1,000,000 1,000,001 or above
Monthly Flat Rate APR Monthly Flat Rate APR
(with Cash Rebate)
Monthly Flat Rate APR
(with Cash Rebate)
Monthly Flat Rate APR
(with Cash Rebate)
Monthly Flat Rate APR
(with Cash Rebate)
12 0.27% 6.48% 0.29% 6.57%
0.27% 6.09%
0.26% 5.87%
0.25% 5.63%
24 6.35% 6.75%
(5.72%)
6.28%
(5.25%)
6.05%
(5.36%)
5.81%
(5.83%)
36 6.58% 6.77%
(6.06%)
6.30%
(5.60%)
6.07%
(5.60%)
5.83%
(5.55%)
48 6.43% 6.75%
(6.21%)
6.28%
(5.74%)
6.05%
(5.69%)
5.82%
(5.61%)
60 6.32% 6.71%
(6.27%)
6.24%
(5.81%)
6.02%
(5.73%)
5.79%
(5.62%)

The Annualized Percentage Rate ("APR") stated in the Reference Rate Table above are calculated on the basis of 12, 24, 36, 48 and 60 months repayment period and the loan amount of HK$5,000, HK$100,001, HK$300,001, HK$600,001 and HK$1,000,001 respectively. 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.




+ Income Proof and Address Proof waiver only available for loans with the maximum loan amount of HK$100,000 and for customers who fulfill specific credit requirements. CCB(Asia) reserves the right to request further supporting documents for loan approval purposes in certain circumstances. Larger loan amounts may be offered to customers who provide supporting documents.
* The above rate is only applicable to customer whose latest Credit Score of TransUnion is within AA grade, loan amount of HK$3,000,000 with 12 months repayment period, and holding a valid HKD Savings Account / Checking Account in the Bank as repayment account or holding a valid principal Credit Card issued by the Bank. Please contact our staff for details. Monthly flat rate 0.083% (Annualized Percentage Rate ("APR") 1.85%) is calculated on the basis of 12 months repayment period and the loan amount of HK$3,000,000. 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.
# Only applicable for online loans applications received before 15:00 of a business day, Bank designated staff will follow up on the application with the applicant by calling the mobile phone number provided on the application form within the same day before 5:00 p.m. If the online loans application is received after 15:00 or during non-business days, Bank designated staff will follow up on the application with the applicant on the next business day before 14:00 noon. If the Bank cannot successfully contact the applicant by the mobile phone number provided on the application form the above-mentioned time, a notification SMS will be sent to the applicant's mobile phone number provided on the application form within the same day.
^ Application hotline service hours: Monday to Friday 9a.m. - 8p.m. and Saturday 9a.m. - 1p.m.

Remarks: For Personal Installment Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.27% (APR 6.11%), and the total loan repayment amount is HK$103,248 (handling fee is waived). The above example is for reference only. The loan application and terms of the loan are subject to the Bank's approval. The actual APR may vary for individual customer and the final interest rate will be subject to credit condition of the customer, please contact the staff of the Bank for details.


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

social media button

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

Terms & Conditions
Promotion Terms & Conditions of CCB (Asia) Personal Installment Loan Promotion ("The Program")
  1. PROMOTION PERIOD - The Promotion Period is from March 27, 2024 to April 25, 2024, 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 March 26, 2024 with good credit rating (“Eligible Customer”).
  3. OFFERS - Eligible Customers who successfully apply for Personal Installment Loan (the “Loan") of the Bank with loan amount HK$5,000 or above and repayment tenor of 12 months or above during the Promotion Period and drawdown on or before May 25, 2024, 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"), Preferential Rate(“Preferential Rate") as specific below. In addition, for loan amount HK$100,001 or above and repayment tenor of 24 months or above, Eligible Customer can enjoy Cash Rebate(“Cash Rebate") as specified below. Waiver, Preferential Rate and Cash Rebate are collectively referred as the “Offers".
  4. PREFERENTIAL RATE
    Repayment Period
    (Months)
    Drawdown Loan Amount (HK$)
    5,000 – 100,000 100,001 – 300,000 300,001 – 600,000 600,001 - 1,000,000 1,000,001 or above
    Monthly Flat Rate APR Monthly Flat Rate APR
    (with Cash Rebate)
    Monthly Flat Rate APR
    (with Cash Rebate)
    Monthly Flat Rate APR
    (with Cash Rebate)
    Monthly Flat Rate APR
    (with Cash Rebate)
    12 0.27% 6.48% 0.29% 6.57%
    0.27% 6.09%
    0.26% 5.87%
    0.25% 5.63%
    24 6.35% 6.75%
    (5.72%)
    6.28%
    (5.25%)
    6.05%
    (5.36%)
    5.81%
    (5.83%)
    36 6.58% 6.77%
    (6.06%)
    6.30%
    (5.60%)
    6.07%
    (5.60%)
    5.83%
    (5.55%)
    48 6.43% 6.75%
    (6.21%)
    6.28%
    (5.74%)
    6.05%
    (5.69%)
    5.82%
    (5.61%)
    60 6.32% 6.71%
    (6.27%)
    6.24%
    (5.81%)
    6.02%
    (5.73%)
    5.79%
    (5.62%)
    The Annualized Percentage Rate ("APR") stated in the Reference Rate Table above are calculated on the basis of 12, 24, 36, 48 and 60 months repayment period and the loan amount of HK$5,000, HK$100,001, HK$300,001, HK$600,001 and HK$1,000,001 respectively. The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to the two decimal places. An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year. Please note that the actual APR of customers may be affected by customers' credit status and different from that in the above rate table. All loan repayment terms should be subject to the Bank's final approval and discretion. Customers should refer to the loan confirmation letter issued by the Bank for the actual details of the repayment terms. The Bank reserves the right of final decision on the interest rate and approval result.
  5. CASH REBATE
    Repayment Period
    (Months)
    Drawdown Loan Amount (HK$)
    100,001 – 399,999 400,000 – 2,999,999 3,000,000
    Cash Rebate (HK$)
    24 1% of drawdown amount (to the nearest dollar)
    Example: 200,000 X 1% = 2,000
    4,000 4,000
    36
    or above
    8,000
    Cash Rebate will be credited to Eligible Customer's valid HK$ Savings Account / Checking Account in the Bank on or before July 31, 2024.
  6. RESTRICTION - Each customer shall only enjoy the Offers once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Preferential Rate. The Offers cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
  7. ELIGIBILITY - Eligible Customer’s eligibility to the Offers under the Promotion is subject to Eligible Customer’s repayment account, HK$ 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 Offers. 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 Offers granted.
  8. 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.
  9. “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 discrepancy 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.
  10. ENGLISH VERSION PREVAILS – In case of any discrepancy 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 March 27, 2024 to April 25, 2024, 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 or designated application form in our mobile app within Promotion Period and successfully drawdown the Loan by May 25, 2024.
  3. REWARD - Eligible Customer will be entitled the following Cash Rebate (“Cash Rebate”):
    Loan Application channel Cash Rebate
    Personal Installment Loan Designed online application from in our website HK$500
    Designated application form in our mobile app HK$1,500
    Balance Transfer Program Designed online application from in our website HK$500
    Designated application form in our mobile app HK$500
  4. CASH REBATE – Cash Rebate will be credited to Eligible Customer’s valid HK$ Savings Account / Checking Account in the Bank on or before July 31, 2024.
  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 HK$ 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 discrepancy between English and Chinese versions of these Terms and Conditions, the English version shall prevail.