The newly launched ICBC (Asia) Happy Loan - Personal Instalment Loan offers you preferential interest rate as low as 3.13%1. 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
-
Monthly flat rate as low as 0.14% and handling fee waiver for entire repayment period
-
Loan amount up to HK$800,000 or 10 times of monthly salary (whichever is lower)
-
Flexible loan tenor up to 60 months
-
Approved loan amount will be credited directly to your designated bank account
Apply with ease
- Visit any of our branches
- Call our Customer Service Hotline on 218 955882
(Apply via hotline to obtain the preliminary approval result3)
- 24-hour online application via www.icbcasia.com, click here to apply through internet immediately
Monthly Repayment Table
Loan
Amount
(HK$) |
Monthly
Flat Rate |
Monthly Repayment Amount4
(APR1) |
12
months |
18
months |
24
months |
36
months |
48
months |
60
months |
$500,000-
$800,000 |
0.140% |
$847.33 |
$569.56 |
$430.67 |
$291.78 |
$222.33 |
$180.67 |
| (3.13%) |
(3.21%) |
(3.24%) |
(3.27%) |
(3.27%) |
(3.27%) |
$400,000-
$499,999 |
0.180% |
$851.33 |
$573.56 |
$434.67 |
$295.78 |
$226.33 |
$184.67 |
| (4.04%) |
(4.13%) |
(4.17%) |
(4.20%) |
(4.20%) |
(4.19%) |
$200,000-
$399,999 |
0.195% |
$852.83 |
$575.06 |
$436.17 |
$297.28 |
$227.83 |
$186.17 |
| (4.38%) |
(4.48%) |
(4.52%) |
(4.55%) |
(4.55%) |
(4.53%) |
$100,000-
$199,999 |
0.220% |
$855.33 |
$577.56 |
$438.67 |
$299.78 |
$230.33 |
$188.67 |
| (4.95%) |
(5.06%) |
(5.11%) |
(5.13%) |
(5.13%) |
(5.11%) |
$50,000-
$99,999 |
0.275% |
$860.83 |
$583.06 |
$444.17 |
$305.28 |
$235.83 |
$194.17 |
| (6.21%) |
(6.34%) |
(6.39%) |
(6.41%) |
(6.39%) |
(6.36%) |
$30,000-
$49,999 |
0.365% |
$869.83 |
$592.06 |
$453.17 |
$314.28 |
$244.83 |
$203.17 |
| (8.29%) |
(8.45%) |
(8.51%) |
(8.51%) |
(8.46%) |
(8.39%) |
$10,000-
$29,999 |
0.450% |
$878.33 |
$600.56 |
$461.67 |
$322.78 |
$253.33 |
$211.67 |
| (10.28%) |
(10.47%) |
(10.52%) |
(10.50%) |
(10.40%) |
(10.29%) |
Notes:
-
The annualized percentage rate (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 loan amount and credit assessment result.
-
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.
-
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.
-
Monthly repayment amount is based on every HK$10,000 loan amount.
-
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
|
Personal
Superiority