The newly launched ICBC (Asia) Happy Loan - Personal Instalment Loan provides personalized interest rate and the lowest special interest rate at 3.13%1 is offered to any loan amount. We also waive the handling charge for the entire repayment period. You could now have ample cash to grasp every chance to achieve your plan without hassle.
Loan offers
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Monthly flat rate as low as 0.14%1 and handling fee waiver for entire repayment period
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Loan amount up to HK$800,000 or 8 times of monthly salary (whichever is lower)
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Flexible loan tenor up to 60 months
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Approved loan amount will be credited directly to your designated bank account
Apply with ease
- Visit any of our branches
- Call our Customer Service Hotline on 218 955882
(Apply via hotline to obtain the preliminary approval result3)
- 24-hour online application via www.icbcasia.com, click here to apply through internet immediately
Save interest expenses
Example:
| |
Happy Loan-
Personal Instalment Loan |
Other bank’s Instalment Loan |
Other bank’s Credit Card |
Loan amount |
HK$10,000 |
Monthly flat rate |
0.14% 1 |
0.33% |
2.5% |
Annual handling fee |
Waived |
1.5% |
N/A |
Annual interest expenses |
HK$168 |
HK$396 |
HK$3,000 |
Annual handling fee expenses |
Waived |
HK$150 |
N/A |
Total interest and handling fee expenses |
HK$168 |
HK$546 |
HK$3,000 |
Save total expenses |
- |
HK$378
(↓69%) |
HK$2,832
(↓94%) |
Notes:
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The annualized percentage rate (APR) for monthly flat rate 0.14% is 3.13% and 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.
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Office hour of the Customer Service Hotline: Mondays to Fridays from 9:00 am to 6:00 pm; Saturdays from 9:00 am to 1:00 pm.
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The preliminary approval result is for reference only, the final result is subject to the credit status and information/documents submitted by the applicant. The Bank has the sole and absolute discretion to decide whether to accept the application or not.
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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.
How to find out more
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Personal
Superiority