CCB (Asia) x Codeco

Standardize monthly flat rate 0.19%
Decorating your home easily

Up to HK$10,000 CoCOMall decoration material cash coupon

Key Facts Statement (KFS) for Installment Loan

Simply Upgrade the Decoration Style to Make Your Dream Home

Make Your Dream Home example:

Mr Chan reserved around HK$500,000 for home decoration; however, the final quotation would be around HK$600,000 as Mrs Chan would like to build more storage places and platform with Brick style for home decoration. Although Mr Chan has plenty of cash flow, he would like to reserve fund for investment and other needs.

Mr. Chan applies a CCB (Asia) Personal Installment Loan – Decoration Loan1 with loan amount HK$600,000, standardize monthly flat rate 0.19%2 and repayment period 60 months, the monthly repayment will be HK$11,140 and extra up to HK$10,000 CoCoMall decoration material cash coupon will be rewarded for purchasing materials at CoCoMall.HK. It makes decorating your dream home with greater financial flexibility.

From now until December 31, 2020, customers who successfully apply and drawdown for a Personal Installment Loan – Decoration Loan with using the decoration service provided by Codeco, are entitled to receive offers below:


cube bullet 1
Standardize monthly flat rate 0.19%2
cube bullet 2
Up to HK$10,000 CoCoMall decoration material cash coupon for loan drawdown for purchasing quality materials of HK$10,000 or above at CoCoMall.HK*
cube bullet 3
Handling fee waiver

* CoCoMall Technology Limited (“CoCoMall”) is a wholly owned subsidiary by Codeco Technology Limited.

Offers and services are bound by terms and conditions.

CCB (Asia) Personal Installment Loan – Decoration Loan Reference Rate3

Loan Amount (HK$) CoCoMall Decoration Material Cash Coupon (HK$) Monthly Flat Rate Repayment Period (Months) APR Monthly Repayment (HK$)
50,000 - 99,999 - 0.19% 12 4.28% 853
24 4.42% 436
36 4.44% 297
48 4.43% 228
60 4.43% 186
100,000 - 299,999 2,000 12 4.27% 853
24 4.41% 436
36 4.44% 297
48 4.44% 228
60 4.43% 186
300,000 - 500,000 6,000 12 4.27% 853
24 4.41% 436
36 4.44% 297
48 4.44% 228
60 4.42% 186
500,001 or above 10,000 12 4.26% 853
24 4.41% 436
36 4.43% 297
48 4.43% 228
60 4.42% 186

or Dial application & enquiry hotline: 317 95501

For decoration service details, please visit https://www.codeco.hk/en/p/mh_ccba_cdc_loanoffer

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Remark: APR of Decoration Loan from minimum 4.26% to maximum 4.44% with repayment period from 12 to 60 months. For Decoration Loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.19% (APR 4.28%), and the total loan repayment amount is HK$102,288 (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.

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


Promotional Terms & Conditions
  1. General Promotional Terms and Conditions of China Construction Bank (Asia) Personal Installment Loan Decoration Loan ("the Promotion"):
  1. The promotion period is valid from now until December 31, 2020 (the “Promotion Period”). Customers who successfully apply for a China Construction Bank (Asia) Corporation Limited (the “Bank”) Personal Installment Loan – Decoration Loan (“Decoration Loan“) via online or our designated hotline: 317 95501 by providing the promotion code “ADNT”, drawdown on or before December 31, 2020 and using the decoration service of HK$50,000 total project sum or above provided by Codeco (required to submit the signed quotation with Codeco within 3 months starting from the issue date to the Bank), can enjoy the standardize monthly flat rate 0.19% and up to HK$10,000 CoCoMall decoration material cash coupon (“Coupon Offer”) (if applicable).
    The Promotion is applicable to customers who (i) are not the Bank existing Unsecured Personal Loan (except Tax Loan) customers and (ii) have not fully settled any type of the Bank’s Unsecured Personal Loan (except Tax Loan) or Secured Loan within the past 12 months from the date of application of Personal Installment Loan or Balance Transfer Program (the “Loan”) under the promotion (“Eligible Customer”). Eligible Customers who successfully apply for the Loan during the Promotion Period and drawdown the Loan on or before December 31, 2020, are entitled to a waiver of handling fee which is 1% per annum of the Loan amount (the “Waiver”). If Eligible Customers fulfill further requirements, they are also eligible for the standardize monthly flat rate 0.19%, the Coupon Offer and the Waiver. Please refer to Part B for details. Waiver together with the Coupon Offer and the standardize monthly flat rate 0.19% are collectively referred as the "Offers".
  2. The Annualized Percentage Rate (“APR”) is 4.42%. The APR of 4.26%, is calculated based on the monthly flat rate of 0.19% with loan amount of HK$600,000 and the repayment tenor of 12 months; APR of 4.42% for loan tenor of 60 months, is calculated based on the monthly flat rate of 0.19% with loan amount of HK$600,000. The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to 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. The interest rate offer above is only available for selected customers who apply for Personal Installment Loan. 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 Bank reserves the right of final decision on the interest rate and approval result.
  3. The APR stated are calculated based on 12, 24, 36, 48 and 60 month repayment period and middle value loan amounts of HK$75,000, HK$200,000, HK$400,000 and HK$500,001. The monthly repayment amount is calculated based on loan amount of every HK$10,000. Please note that the actual APR or monthly repayment amount of customers may be affected by customers' credit status and different from that in the above rate table. All loan repayment terms or actual APR 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.
  4. Eligible Customer’s eligibility to the Offers under the Promotion is subject to the requirement of using of decoration service provided by Codeco. If Eligible Customer has not use the decoration service provided by Codeco, Eligible Customer’s entitlement to the Offers will be forfeited. The Bank reserves the right to charge such Eligible Customer an amount equivalent to the amount of the Offers granted.
  5. Each Eligible Customer shall only enjoy the Offers once notwithstanding the number of successful applications and drawdowns during the Promotion Period. If an Eligible Customer has more than one successful applications and drawdown, only the first successful application and drawdown amount will be eligible for the Offers. The above Offers cannot be used in conjunction with other loan promotional offers.
  6. 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 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.
  7. The Promotion 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”, "Terms and Conditions for CCB (Asia) Personal Installment Loan" shall prevail. For promotion offer and related details, please contact the staff of the Bank at 317 95501.
  8. The Bank reserves the right to amend or terminate these Terms and Conditions at any time at its sole and absolute discretion. In case of any dispute, the decision of the Bank shall be final.
  9. In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.
  1. Terms and Conditions of the Decoration Material Cash Coupon (“Coupon Offer”):
  1. Eligible Customers who successfully apply for a Decoration Loan during the Promotion Period and drawdown on or before December 31, 2020 with using the decoration service of HK$100,000 total project sum or above provided by Codeco Technology Limited (“Codeco”) (required to submit the signed quotation with Codeco within 3 months starting from the issue date to the Bank), can enjoy the standardize monthly flat rate 0.19% and up to HK$10,000 CoCoMall decoration material cash coupon according to the requirements listed below:
    Loan Type Drawdown Loan Amount (HK$) Tenor CoCoMall Decoration Material Cash Coupon (HK$)
    Decoration Loan 100,000 to 299,999 12 months or above 2,000
    300,000 to 500,000 6,000
    500,001 or above 10,000
  2. CoCoMall decoration material cash coupon(s) (“Cash Coupon”) will be mailed to the Eligible Customer's correspondence address within 3 months after Eligible Customer drawdown the Decoration Loan successfully and submitted the signed quotation with Codeco to the Bank.
  3. The Cash Coupon under the Promotion is subject to availability and in any event cannot be exchanged in any way for cash. The Bank shall have the right to offer alternative gift or benefit in substitution of the Cash Coupon. The Bank will not provide notice of non-availability or substitution.
  4. The validity and use of the Cash Coupon under the Promotion shall be subject to the relevant usage instructions and terms and conditions set out by the supplier. The Bank shall not act as, or assume any liability of, a product/service supplier (or its agent). Any claim, complaint, or dispute concerning any Cash Coupon must be referred to and resolved between the relevant supplier and the Eligible Customer, which shall in no way relieve from his / her repayment or other obligations to the Bank.