Personal Installment Loan

Monthly Flat Rate as low as 0.21%
and up to HK$3,300 Cash Rebate

Key Facts Statement (KFS) for Installment Loan

From August 1 to September 30, 2022, apply successfully for a Personal Installment Loan to enjoy up to HK$3,300 cash rebate and preferential rate with no handling fee:

Icon Up to HK$3,000 Cash Rebate
Tenor Drawdown Loan Amount (HK$)
200,000 – 399,999 400,000 or above
Cash Rebate (HK$) Cash Rebate (HK$)
12 months 800 800
24 months 800 1,000
36 months 1,000 1,200
48 months 1,200 1,500
60 months 2,000 3,000

Icon Preferential Rate
Tenor Drawdown Loan Amount (HK$)
50,000 – 199,999 200,000 – 399,999 400,000 or above
Monthly Flat Rate APR Monthly Flat Rate APR
(with Cash Rebate)
Monthly Flat Rate APR
(with Cash Rebate)
12 months 0.25% 5.65% 0.22% 4.95%
(4.17%)
0.21% 4.72%
(4.33%)
24 months 5.84% 5.11%
(4.70%)
4.87%
(4.62%)
36 months 5.84% 5.14%
(4.79%)
4.90%
(4.70%)
48 months 5.83% 5.13%
(4.81%)
4.90%
(4.70%)
60 months 5.82% 5.11%
(4.69%)
4.88%
(4.56%)

The above rate is applicable to customer whose latest Credit Score of TransUnion is within AA – CC grade only, please contact our staff for details.


Icon Extra Offer
Apply Online

Apply online and enjoy a HK$300 Cash Rebate

* 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$50,000, HK$200,000 and HK$400,000 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.


^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 0.20% (APR4.73%), and the total loan repayment amount is HK$102,408 (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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Terms & Conditions
Promotion Terms & Conditions of CCB (Asia) Personal Installment Loan Promotion (“The Program”)
  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 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”) 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$50,000 or above and repayment tenor of 12 months or above during the Promotion Period and drawdown on or before October 31, 2022, 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”) and Cash Rebate(“Cash Rebate”) as specified below. Waiver, Preferential Rate and Cash Rebate are collectively referred as the “Offers”.
  4. PREFERENTIAL RATE AND CASH REBATE

     

    Drawdown Loan Amount (HK$)

     

    50,000 – 199,999

    200,000 – 399,999

    400,000 or above

    Tenor

    Monthly Flat Rate

    APR

    Monthly Flat Rate

    Cash Rebate (HK$)

    APR
    (with Cash Rebate)

    Monthly Flat Rate

    Cash Rebate (HK$)

    APR
    (with Cash Rebate)

    12 months

    0.25%

    5.65%

    0.22%

    800

    4.95%
    (4.17%)

    0.21%

    800

    4.72%
    (4.33%)

    24 months

    5.84%

    800

    5.11%
    (4.70%)

    1,000

    4.87%
    (4.62%)

    36 months

    5.84%

    1,000

    5.14%
    (4.79%)

    1,200

    4.90%
    (4.70%)

    48 months

    5.83%

    1,200

    5.13%
    (4.81%)

    1,500

    4.90%
    (4.70%)

    60 months

    5.82%

    2,000

    5.11%
    (4.69%)

    3,000

    4.88%
    (4.56%)

    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$50,000, HK$200,000 and HK$400,000 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.
    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 Preferential Rate 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 Preferential Rate 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 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. 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.