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The newly launched ICBC (Asia) Happy Loan - "Balance Transfer" Personal Instalment Loan offers loan amount up to 15 times of monthly salary to help you clear your card and other loan debts at once. We also provide preferential interest rate and waive the handling charge for entire repayment period. You could now enjoy your life with released repayment pressure.
Loan offers
- Monthly flat rate as low as 0.18% with annualized percentage rate as low as 4.04%1
- Handling fee waiver for entire repayment period
- Loan amount up to HK$800,000 or 15 times of monthly salary (whichever is lower)
- Flexible loan tenor up to 72 months
- Ease of handling as monthly fixed instalment amount will be auto-deducted from your designated bank account
Apply with ease
- Visit any of our branches
- Call our Customer Service Hotline at 218 955882
- Mail the completed application form to ICBC (Asia), Personal Loan Business Department, 33/F ICBC TOWER, 3 Garden Road, Central, Hong Kong
Save interest expenses
| Example: Credit card debts/Loan amount of HK$150,000 |
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Other bank's Credit Card |
Happy Loan -
Balance Transfer
Loan |
Annualized percentage rate |
34.48% |
4.20% |
Monthly repayment amount |
HK$7,222.75 |
HK$3,395 |
Repayment tenor |
227 months |
48 months |
Total interest expenses |
HK$156,903.52 |
HK$12,960 |
Notes:
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The annualized percentage rate (APR) 4.04% is based on 12-month repayment tenor. The APR is calculated according to the Code of Banking Practice. The interest rate is applicable on a case-by-case basis and the finally approved interest rate is subject to the credit assessment result.
- Office hours of the Customer Service Hotline: Mondays to Fridays from 9:00am to 6:00pm; Saturdays from 9:00am to 1:00pm.
- The above example is for reference only. The actual interest expenses saved may vary on a case-by-case basis, subject to conditions of each customer. Assuming the monthly repayment amount is 5% of the total outstanding balance or HK$50 (whichever is higher) and an interest rate of 30% p.a. (APR 34.48%). The monthly repayment amount of credit card stated in the table above is the average of the repayment amount for the first 6 months.
- The above-mentioned interest rates and related terms shall be subject to variation from time to time at the Bank's absolute discretion without prior notice. The Bank reserves the right for final decision in case of dispute.
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How to find out more
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Personal
Superiority