You may have many plans in your mind, such as plans of travel, home furnishings, studies or personal investment. No matter what your plans are, our Personal Loan caters for your financial needs and provides simple procedure for application, handling charges waiver, as well as low loan interest rate, so that repayment can be easier than ever !
Competitive interest rate
- Greater saving of interest expense by our low interest rate offer
High loan amount
Flexible repayment period
- Repayment periods of 12, 18, 24, 36 or 48-month available for your personal needs
Full waiver of handling charge
- No additional expense for handling charge
Convenient disbursement method
- The total approved loan amount will be credited to your designated bank account directly
Apply by telephone or internet to obtain the Preliminary Approval Result on the same day1
- Application hotline: 218 95588
- Click here to apply through internet immediately
1The personal loan application must be submitted to us within our designated office hours (Monday-Friday: 9:00am-7:00pm & Saturday: 9:00am-1:00pm), and our customer service officer will contact the applicant by telephone as soon as possible for the preliminary approval result. The preliminary approval-in-principle is for reference only. The final approval is subject to our Bank's determination after consideration of the applicant's credit status and documentary proof provided.
Monthly repayment tables (Applicable to applications from
30 July 2009)
Preferential Customers
Loan Amount (HK$) |
Annualized Percentage Rate (A.P.R.) |
Monthly Repayment Amount
(for every $10,000 loan amount) |
12-month |
18-month |
24-month |
36-month |
48-month |
$500,000 - $800,000 |
3.89% |
4.25% |
4.63% |
5.15% |
5.67% |
$850.69 |
$574.07 |
$436.63 |
$299.85 |
$232.69 |
$300,000 - $499,999 |
4.40% |
4.76% |
5.13% |
5.66% |
6.17% |
$852.93 |
$576.27 |
$438.77 |
$302.04 |
$234.86 |
$150,000 - $299,999 |
5.04% |
5.39% |
5.77% |
6.30% |
6.81% |
$855.74 |
$578.98 |
$441.51 |
$304.79 |
$237.64 |
$50,000 - $149,999 |
5.49% |
5.85% |
6.23% |
6.75% |
7.27% |
$857.71 |
$580.96 |
$443.47 |
$306.72 |
$239.64
|
$30,000 - $49,999 |
6.74% |
7.09% |
7.47% |
8.00% |
8.51% |
$863.15 |
$586.26 |
$448.75 |
$312.08 |
$245.05 |
$10,000 - $29,999 |
7.87% |
8.23% |
8.61% |
9.13% |
9.65% |
$868.03 |
$591.11 |
$453.59 |
$316.92 |
$250.03 |
General Customers
Loan Amount (HK$) |
Annualized Percentage Rate (A.P.R.) |
Monthly Repayment Amount
(for every $10,000 loan amount) |
12-month |
18-month |
24-month |
36-month |
48-month |
$500,000 - $600,000 |
4.84% |
5.20% |
5.58% |
6.10% |
6.62% |
$854.86 |
$578.17 |
$440.70 |
$303.93 |
$236.81 |
$300,000 - $499,999 |
5.35% |
5.71% |
6.08% |
6.61% |
7.12% |
$857.10 |
$580.36 |
$442.83 |
$306.12 |
$238.99 |
$150,000 - $299,999 |
6.00% |
6.35% |
6.73% |
7.26% |
7.77% |
$859.93 |
$583.10 |
$445.60 |
$308.90 |
$241.82 |
$50,000 - $149,999 |
6.46% |
6.82% |
7.20% |
7.72% |
8.24% |
$861.93 |
$585.11 |
$447.60 |
$310.88 |
$243.87 |
$30,000 - $49,999 |
7.72% |
8.07% |
8.45% |
8.98% |
9.49% |
$867.39 |
$590.43 |
$452.91 |
$316.28 |
$249.33 |
| $10,000 - $29,999 |
8.86% |
9.22% |
9.60% |
10.12% |
10.64% |
$872.29 |
$595.30 |
$457.77 |
$321.17 |
$254.37 |
Remarks:
-
The annualized percentage rates are calculated in accordance with the relevant guidelines stipulated in the Code of Banking Practice. Please note that the actual annualized percentage rate applicable may differ in accordance with the approved loan amount and the credit assessment result.
-
Preferential customers are property owners, professionals, civil servants, staff of selected government-related organizations (including staff of Hospital Authority and selected education institutions), as well as customers with good credit management score under the credit report made by TransUnion Ltd (grade B of above). Our Bank reserves the right to request customers to provide documentary proof. Please contact our bank staff for details.
-
For details of our Personal Loan, interest rate, annualized percentage rates, the applicable terms and conditions of the Personal Loan, please consult with our branch staff. Our Bank reserves the right to amend the above interest rates and terms at any time without giving any prior notice.
How to find out more
|
Internet Banking
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