E-loan Trial Offer

0% up to the first 3 months with a standardized annual interest rate for the rest of the months

Key Facts Statement (KFS) for Revolving Credit Facility

From 1 January 2021 to 30 June 2021, CCB(Asia)’s Savings Account, Current Account or Multi-currency Account customer are entitled to enjoy the following promotion. If you are not our customer, you may apply for an account through CCB (Asia) e-Account Service in just a few steps, simple and easy! No branch visit is needed, experience hassle-free account opening anytime, anywhere at your fingertips.

New Promotion

Small-Value Revolving Loan
Small-Value Revolving Loan
Multi-Purpose Revolving Loan
Multi-Purpose Revolving Loan
0% Interest Period The 1st to the 3rd month The 1st month
Standardized Annual Interest Rate 3.40% 2.75%
Loan Amount Up to HK$15,000 Up to HK$2,000,000 or 12 times of your monthly salary, whichever is lower
Income Proof
Fee Charges ✘ Set-up fee
✘ Withdrawal fee
Features • Interest is calculated on daily basis upon your outstanding balance
• Credit limit will be automatically restored upon repayment
• Make withdraws and repayments through online banking and mobile banking
Example

Small-Value Revolving Loan

Revolving Loan Amount (HK$) Annual Interest Rate for the 1st to 3rd month Annual Interest Rate From the 4th month onwards Annualized Percentage Rate4
5,000 0% 3.40% 2.58%
15,000

Multi-Purpose Revolving Loan

Revolving Loan Amount (HK$) Annual Interest Rate for the 1st month Annual Interest Rate From the 2rd month onwards Annualized Percentage Rate5
100,000 0% 2.75% 2.54%
500,000
1,000,000
1,500,000
2,000,000

Offers and services are bound by promotional terms and conditions.

How To Apply

Small-Value Revolving Loan
Multi-Purpose Revolving Loan
Step1
Log in your mobile banking (If you haven’t registered for our online banking services, please check here)
Step 1
Step2
Go to “Loan” channel, press “e-Loan”
Step 2
Step3
and then press “Existing Customer Application”
Step 3
Step4
Your information has been pre-filled in the application form
Step 4
Step5
Please review and understand the “Key Fact Statement” and “Terms and Conditions” carefully before submitting the application
Step 5
Step6
The repayment account must be a valid account in our Bank
Step 6
Step7
Press “Confirm and Submit”

Your application is submitted. You will be notified when the loan is approved. When you have accepted the loan, the loan amount will directly disburse to your designated account.

Step 7

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

Terms & Conditions
Terms and conditions for Revolving Loan Trial Program (the “Program”)
  1. From 1 January 2021 to 30 June 2021, holders of China Construction Bank (Asia) Corporation Limited’s (the “Bank”) valid Savings Account, Current Account, or Multi-Currency Account (the “Eligible Customers”) use the Bank’s account as the repayment account when applying the loan in this promotion can enjoy for the following revolving loans trial promotion:
    Types of Interest-free Revolving Loan Proof of income provision Maximum Loan amount (HKD) Interest-free tenor(s) (starting from the month after loan drawdown) Annual Interest Rate
    Small-Value Revolving Loan No 15,000 The first 3 month 3.40%
    Multi-Purpose Revolving Loan Yes 12 times of monthly salary or up to 2,000,000 (whichever is lower) The first month 2.75%
  2. If the Bank approves the Loan application of the Borrower and the Borrower accepts the Loan, the Bank shall credit the approved full amount of the Credit Limit to the repayment account designated by the Borrower (the “Repayment Account”).
  3. Upon approval of the Loan, a Loan account (the “Account”) with the approved credit limit (the “Credit Limit”) will be created for the Borrower. The Loan will be available for the period specified in the Loan Confirmation Letter (the “Validity Period”), during which the Borrower can make withdrawals through the Bank’s Online Banking or Mobile Banking (the “Online Banking”) from the Account up to the Credit Limit from time to time. At the end of the Validity Period, the Loan will be terminated by the Bank and the Borrower shall repay all outstanding principal, interest, fees and charges under the Loan immediately. The Borrower authorizes the Bank to debit the monthly minimum repayment amount and any related charges/fees from the Repayment Account. The Borrower shall maintain a valid Online Banking account for redrawing cash from the Account during the Validity Period, the Bank reserves the right to demand immediate repayment of all outstanding principal, interest, fees and charges under the Loan if the Borrower cancels his/her registration with the Online Banking during the Validity Period.
  4. The Annualized Percentage Rate (“APR”) of 2.58% is calculated based on the annual interest rate of 3.40% with loan amount of HK$15,000 and the repayment tenor of 12 months. 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. Daily interest is determined by dividing the annual interest rate of 3.40% by 365 days. Please contact the staff of the Bank for details. The Bank reserves the right of final decision on the interest rate and approval result.
  5. The Annualized Percentage Rate (“APR”) of 2.54% is calculated based on the annual interest rate of 2.75% with loan amount of HK$2,000,000 and the repayment tenor of 12 months. 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. Daily interest is determined by dividing the annual interest rate of 2.75% by 365 days. Please contact the staff of the Bank for details. The Bank reserves the right of final decision on the interest rate and approval result.
  6. The actual interest rate, fees and other information of the Program are based on the Bank's Key Facts Statement (KFS) for Revolving Credit Facility. In case of inconsistency, the terms of the Program shall prevail.
  7. Validity of credit limit of the Program is 12 months.
  8. Please note that all loan repayment terms or Annualised Interest Rate 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.
  9. The Borrower only needs to repay the interest due, applicable fees and charges every month. Interest is calculated on daily basis upon your outstanding balance. Eligible Customers have to repay the interest due during the interest-free tenor(s). All the interest occurred during interest-free tenors will be refunded to the Borrower’s repayment account within three months after the end of the interest-free tenor. Please ensure the repayment account is valid at the time of interest refund. Interest will not be refunded if the Borrower early repay the loan before the interest refund or the repayment account is no longer valid.
  10. Credit limit will be automatically restored upon repayment within the period of validity.
  11. Once an application of the Program is approved by the Bank, it is non-reversible, non-transferable and cannot be cancelled.
  12. Each Eligible Customer could enjoy the promotion once. If the Eligible Customer has enjoyed the promotion offer of Small-Value Revolving Loan, he/she could not enjoy the promotion offer of Multi-Purpose Revolving Loan.
  13. Application hotline service hours: Monday to Friday 9a.m. - 8p.m.
  14. 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.