Tax Season Loan

Monthly flat rate as low as 0.07% (APR as low as 1.56%)

Key Facts Statement (KFS) for Installment Loan
From February 10 to March 31, 2021, successfully apply for a Tax Season Loan to enjoy the privileges listed below:

New Promotion

Monthly flat rate as low as 0.07% (APR as low as 1.56%1)
Handling fee wavier
Loan amount up to HK$2 million or 12 times of your monthly salary, whichever is lower
CCB (Asia) Tax Season Loan Reference Rate Table2
Loan Amount (HK$) Repayment Period (Months) 12 Months 24 Months 36 Months 48 Months 60 Months
100,000 to 1,000,000 Monthly Flat Rate 0.07% 0.115%
APR 1.56% 1.62% 2.68% 2.69% 2.69%
Monthly Repayment (HK$) 841 424 290 220 179
Please contact us for details of preferential interest rate of other loan amount

Extra Reward

Successfully drawdown the loan and activate the Online Banking/Mobile Banking to enjoy the extra HK$100 Cash Rebate3.    Learn More
Revolving Credit Facility also fulfills your financial needs anywhere anytime,
please click Revolving Credit Facility - e-loan for details.
  1. The Annualized Percentage Rate (“APR”) 1.56% is calculated based on 12 months repayment period and loan amount of HKD500,000 with monthly flat rate of 0.07%. 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.
  2. The APR stated above are calculated based on loan amount HKD500,000 and is rounded to 2 decimal places. 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 monthly repayment amount is calculated based on loan amount of every HKD10,000 and is rounded up to integer. The above interest rate offer is applicable to the good credit rating customers, the Bank will counter offer another interest rate offer to the fair credit rating customers upon loan approval. Please contact our staff for details. The Bank reserves the right of final decision on the interest rate and approval result.
  3. Eligible Customer who successfully activate “Online Banking” and/or “Mobile Banking” Services within 1 month from the Personal Loan drawdown date will be entitled HKD100 cash rebate. This offer is only applicable to customer who have not activate “Online Banking” and/or “Mobile Banking” Services before Personal Loan application. Terms and conditions apply. Please refer to www.asia.ccb.com/hk/uploffer/en for details.
  4. Enjoy one-on-one tailor-made personal loan plan made by Personal Loan Center Managers.
  5. Application hotline service hours: Monday to Friday 9a.m. - 8p.m. and Saturday 9a.m. - 1p.m.
Remark: APR of Tax Season Loan from minimum 1.56% to maximum 29.46% with repayment period from 12 to 60 months; for Tax Season Loan amount of HKD100,000 with 12 months repayment period, the monthly flat rate is 0.07% (APR 1.57%), and the total loan repayment amount is HKD100,848 (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.
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To borrow or not to borrow? Borrow only if you can repay!

Terms & Conditions
Promotion Terms & Conditions of CCB (Asia) Personal Installment Loan / Tax Season Loan (“The Program”)
  1. PROMOTION PERIOD - The Promotion Period is from February 10, 2021 to March 31, 2021, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER - The promotion is applicable to the good credit rating customers who (i) are new customers of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) Unsecured Personal Loan; or (ii) are our existing customers of Unsecured Personal Loan (except Balance Transfer) by drawdown repay with a net growth of HKD100,000 (“Eligible Customer”).
  3. OFFERS – Eligible Customers who successfully apply for Personal Installment Loan / Tax Season Loan (the “Loan”) of the Bank with loan amount HKD100,000 or above and repayment tenor of 12 months or above during the Promotion Period and drawdown on or before March 31, 2021, 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”) and Preferential Rate(“Preferential Rate”) as specified below. Waiver together with Preferential Rate are collectively referred as the “Offers”.
  4. PREFERENTIAL RATE
    Loan Amount (HK$) Repayment Period (Months) 12 Months 24 Months 36 Months 48 Months 60 Months
    100,000 to 1,000,000 Monthly Flat Rate 0.07% 0.115%
    APR 1.56% 1.62% 2.68% 2.69% 2.69%
    Monthly Repayment (HK$) 841 424 290 220 179
    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 HKD500,000 respectively. The monthly repayment amount is calculated based on loan amount of every HKD10,000 and is rounded up to integer. 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 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 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. 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.
  6. Instant approval service (the “Service”) - Applicable to customers who apply in person at our Tax Season Loan Centers and submit all the required documents at the same time. The Bank may not offer the Service if customers do not provide the required documents or loan applications do not fulfill the approval requirements of the Service. Processing time may vary from applicant to applicant. The instant approval result is for reference only. The Bank reserves the final decision on the approval result and to terminate or amend the Service at any time. Service hours of instant approval of CCB (Asia) Tax Season Loan Center; Monday to Friday – 9:00am – 6:00pm; closed on Saturday, Sunday and Public Holidays.
  7. Funds Disbursement - Same day funds disbursement is only applicable on business days from Mondays to Fridays. Funds availability will depend on the disbursement method.
  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 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.
  10. ENGLISH VERSION PREVAILS – In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.