Personal Installment Loan

APR as low as 1.85%
and up to HK$9,500 Cash Rebate

Key Facts Statement (KFS) for Installment Loan


Personal Installment Loan
Up to 60 months repayment tenor. 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# .


 
Income proof and
address proof waiver +
 
Faster Payment System (FPS) disbursement
 
Preferential Rate
APR as low as 1.85% *
 
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.
 
Loan scenarios:


Purchase Car


Whether you want to buy your first car after you have just passed the driving test, or change your current car to an electric one, you can simply apply for Personal Installment Loan with a repayment period of up to 60 months, which will make it easier to buy your dream car.

Loan Amount —— HK$400,000
Repayment Period —— 60 months
Monthly Flat Rate —— 0.27%
Monthly Repayment Amount —— HK$7,747
Cash Rebate —— HK$4,000





Marriage


Marriage is a major event in life, no wonder so many people fancy a dream wedding! However, there are lot of expenses involved, and most of them require immediate payment or large amount of deposit. So during the process, short of cash is a common problem for many couples. If this happens to you too, you can go for Personal Installment Loan to have better financial flexibility and realize your perfect wedding plan.

Loan Amount —— HK$400,000
Repayment Period —— 24 months
Monthly Flat Rate —— 0.27%
Monthly Repayment Amount —— HK$17,747
Cash Rebate —— HK$4,000





Dream


Don't want your dreams to stay in the stage of "thinking", authentic support is crucial! No matter how big your dream is, Personal Installment Loan with a loan amount up to HK$3,000,000 helps you put your dream into action!

Loan Amount —— HK$3,000,000
Repayment Period —— 60 months
Monthly Flat Rate —— 0.23%
Monthly Repayment Amount —— HK$56,900
Cash Rebate —— HK$8,000





Decoration


Ready to move into a new home or start a home renovation plan? Indeed, renovation requires a lot of energy and money, yet it is worth investing in the long run. Personal Installment Loan provides you with abundant cash, so that you can enjoy greater flexibility and achieve your goal faster!

Loan Amount —— HK$250,000
Repayment Period —— 24 months
Monthly Flat Rate —— 0.29%
Monthly Repayment Amount —— HK$11,142
Cash Rebate —— HK$2,500










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%
(5.40%)
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$3,000,000 with 12 months repayment period, and holding a valid HK$ 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 3:00p.m. 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 5:00p.m. If the online loans application is received after 3:00p.m. or during non-business days, Bank designated staff will follow up on the application with the applicant on the next business day before 2:00p.m.. 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 9:00a.m. - 8:00p.m. and Saturday 9:00a.m. - 1:00p.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.

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