Personal Installment Loan
Pay Tax with Peace of Mind
Enjoy 0% Interest for 3 Months*
Monthly Flat Rate as low as 0.0939%^ and up to HK$11,500 Cash Rebate3
an array of fabulous offers upon successfully apply our Loan.
Submit application before 3pm and our Personal Loan Service Manager
will reply on the same day1.
APR as low as 1.5% 2
| Repayment Period (Months) | ||
| 12 and 18 | 24 or above | |
| Drawdown Loan Amount (HK$) | Cash Rebate (HK$) | |
| 200,000 – 1,000,000 | 0.25% of drawdown amount (to the nearest dollar) Example: 200,000 X 0.25% = 500 |
0.5% of drawdown amount (to the nearest dollar) Example: 200,000 X 0.5% = 1,000 |
| 1,000,001 – 1,500,000 | 3,000 | 6,000 |
| 1,500,001 – 2,999,999 | 4,000 | 8,000 |
| 3,000,000 | N/A | 10,000 |
Apply through designated application form in CCB (Asia) Mobile App and get HK$1,500 Cash Rebate 3!
Dowloan CCB (HK&MO) Mobile App Now
Download and open CCB Asia App
Click “Personal Installment Loan” icon
Click one of the “Personal Installment Loan / Tax” banner
Follow the instruction and start application
Open CCB Asia App and Logon
Click “Credit Card / Loan” icon
Click “Personal Loan” icon in Menu under “Loan” tab
Click one of the “Personal Installment Loan / Tax” banner
Follow the instruction and start application
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# | 0.26% |
| Monthly Repayment Amount | HK$7,707 |
| Cash Rebate | HK$4,000 |
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# | 0.26% |
| Monthly Repayment Amount | HK$17,707 |
| Cash Rebate | HK$4,000 |
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# | 0.22% |
| Monthly Repayment Amount | HK$56,600 |
| Cash Rebate | HK$10,000 |
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# | 0.27% |
| Monthly Repayment Amount | HK$11,092 |
| Cash Rebate | HK$2,500 |
# This figure is for reference only. The aforementioned monthly flat rate and cash rebate amount may not necessarily be the current interest rate applicable to your Personal Loan or the cash rebate amount you are entitled. The actual repayment interest depends on the credit score and the final approval status.
Application Method
Remarks:
- 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.
- The above rate is only applicable to Private Banking or Private Wealth customers of the Bank whose latest Credit Score of credit reference agency(ies) is within AA grade, loan amount of HK$3,000,000 with 6 months repayment period, and holding a valid HK$ Savings Account / Checking Account in the Bank as repayment account. Please contact our staff for details. Monthly flat rate 0.0723% (Annualized Percentage Rate ("APR") 1.5%) is calculated on the basis of 6 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 to loan amount equal or greater than HK$200,000.
- Application hotline service hours: Monday to Friday 9:00a.m. - 6:30p.m. and Saturday 9:00a.m. - 1:00p.m.
-
7-day Cooling-off Period
i) Borrower who successfully apply and drawdown the loan may apply early repay the loan in full within 7 calendar days of the drawdown date ("7-day Cooling-off Period").
ii) Any application for early repayment of the loan within the 7-day Cooling-off Period must be made by Borrower within 7 calendar days of the drawdown date, contact the Bank's hotline 3179 5501 to request early repayment of the loan and visit the Bank's branches in person to settle the Principal Loan amount in full.
iii) If the Borrower repay the loan in full within 7-day Cooling-off period, the Bank may waive the handling fee, interest and Prepayment / Early Settlement Fee/ Redemption Fee under the relevant loan.
- APR 1.50% is only applicable to Private Banking or Private Wealth customers of the Bank whose latest Credit Score of credit reference agency(ies) is within AA grade, loan amount of HK$3,000,000 with 6 months repayment period, and holding a valid HK$ Savings Account / Checking Account in the Bank as repayment account.
- The Annualised Percentage Rate ranges from 1.50% to 36.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval.
* During the promotion period, successful apply for Personal Installment Loan or Personal Loan for Employees of China’s State-Owned Enterprises and draw down a loan amount of 200,000 or above, and repay the remaining balance for more than 24 months, can enjoy a three-month interest rebate of a designated amount. Please refer to the Terms and Conditions for details.
^ Assuming a loan amount of 500,000 and a repayment period of 24 months, a monthly flat rate of 0.0939% may apply, with the Annualized Percentage Rate ("APR") 2.17%. Monthly flat rate is only applicable to newly opened account under Private Banking, Private Wealth or Premier Banking customers of the Bank whose latest Credit Score of credit reference agency(ies) is within AA grade.
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.
To borrow or not to borrow? Borrow only if you can repay!
Terms & Conditions