ICBC (Asia) has prepared the most flexible Personal Loan for you. Successfully apply for Personal Loan together with ICBC credit card on or before 31 December 2010, you will enjoy HK$300 Cash Rebate and Best Guaranteed Price of the Bank.
Best Guaranteed Price of the Bank
Customers successfully apply for Personal Loan of HK$50,000 or above on or before 31 December 2010 will enjoy “Best Guaranteed Price of the Bank". That means if the Bank has reduced the Personal Loan interest rate on or before 31 December 2010, your personal loan interest rate will be adjusted by refunding the overpaid interest.
Notes: Calculation of overpaid interest: (Original monthly repayment amount - New monthly repayment amount after interest rate adjustment = Overpaid interest). The overpaid interest will be refunded to the repayment account of respective customer within 2 working days after personal loan monthly repayment date. For early repayment, the overpaid interest will be calculated and refunded on a pro-rata basis. The Bank reserves the right for final decision on the interest rate entitlement of individual customer.
"Best Guaranteed Price of the Bank" (i.e. the overpaid interest refunded based on the interest rate adjustment) is only applicable to the repayment(s) after the announcement of interest rate adjustment and last till 31 December 2011. The repayment(s) before the annoucement of interest rate adjustment and after 31 December 2011 are not entitled to the refund of overpaid interest.
HK$300 Cash Rebate
You will be entitled to HK$300 Cash Rebate, as well as the first year credit card annual fee waiver by applying Personal Loan together with ICBC MasterCard / CUP Dual Currency Card.
Notes: HK$300 cash rebate is a welcome gift for ICBC MasterCard / CUP Dual Currency Card exclusively for Personal Loan customers. Welcome gift offer is not valid for existing ICBC credit cardmembers or who have cancelled any ICBC credit cards in the past 6 months. HK$300 cash rebate will be directly credited to respective credit card account within 1 month upon cardmember has arranged personal loan repayment through direct debit from the newly approved ICBC credit card or spend/ cash advance for HK$3,000 within the first 2 months of card issuance. The Bank will charge a handling fee if new cardmember cancels the credit card within 12 months from card issuance (HK$700 for principal card, HK$400 for supplementary card).
Sufficient Credit Limit and Other Privileges
- Part of your repaid Personal Loan principal amount will be plough-back to the ICBC Credit Card limit for your ease and shopping enjoyment.
- Loan amount up to 6 times of monthly salary or HK$800,000 (whichever is lower).
- Preferential interest rate for selected customers, please refer to the Monthly Repayment Table for details.
- Up to 48 months repayment tenor.
Application with ease
- Simply apply for the Personal Loan through facsimile, mail or visit any of ICBC (Asia) branches in person
- You may also apply online or via hotline to obtain the Preliminary Approval Result on the same day
- Click here to apply online
- Application hotline: 218 95588
Notes: Online or hotline application must be submitted within the Bank’s office hour (Monday to Friday 9:00am to 6:00pm; Saturday 9:00am to 1:00pm). Our Customer Services Officer will call and inform the applicant of the initial application result at the same day of application. The initial 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 tables (Applicable to applications from
1 April 2010)
Preferential Customers |
Monthly Interest Rate
Annualized Percentage Rate (APR)
Monthly Repayment Amount
（For every loan amount of HK$10,000）
|
| Loan Amount (HK$) |
12-mth |
18-mth |
24-mth |
36-mth |
48-mth |
$500,000 - $800,000 |
0.14%
(3.13%)
$847.33 |
0.16%
(3.67%)
$571.56 |
0.16%
(3.71%)
$432.67 |
0.17%
(3.97%)
$294.78 |
0.16%
(3.74%)
$224.33 |
$150,000 - $499,999 |
0.20%
(4.49%)
$853.33 |
0.21%
(4.83%)
$576.56 |
0.21%
(4.87%)
$437.67 |
0.22%
(5.13%)
$299.78 |
0.19%
(4.43%)
$227.33 |
$50,000 - $149,999 |
0.24%
(5.40%)
$857.33 |
0.25%
(5.76%)
$580.56 |
0.25%
(5.81%)
$441.67 |
0.26%
(6.06%)
$303.78 |
0.26%
(6.05%)
$234.33 |
$30,000 - $49,999 |
0.30%
(6.78%)
$863.33 |
0.31%
(7.16%)
$586.56 |
0.32%
(7.45%)
$448.67 |
0.34%
(7.93%)
$311.78 |
0.34%
(7.89%)
$242.33 |
$10,000 - $29,999 |
0.35%
(7.94%)
$868.33 |
0.36%
(8.34%)
$591.56 |
0.37%
(8.63%)
$453.67 |
0.39%
(9.10%)
$316.78 |
0.39%
(9.03%)
$247.33 |
General Customers |
Monthly Flat Rate
Annualized Percentage Rate (APR)
Monthly Repayment Amount
（For every loan amount of HK$10,000）
|
| Loan Amount (HK$) |
12-mth |
18-mth |
24-mth |
36-mth |
48-mth |
$500,000 - $800,000 |
0.14%
(3.13%)
$847.33 |
0.16%
(3.67%)
$571.56 |
0.17%
(3.94%)
$433.67 |
0.17%
(3.97%)
$294.78 |
0.16%
(3.74%)
$224.33 |
$150,000 - $499,999 |
0.21%
(4.72%)
$854.33 |
0.23%
(5.29%)
$578.56 |
0.23%
(5.34%)
$439.67 |
0.23%
(5.37%)
$300.78 |
0.19%
(4.43%)
$227.33 |
$50,000 - $149,999 |
0.28%
(6.32%)
$861.33 |
0.30%
(6.93%)
$585.56 |
0.28%
(6.51%)
$444.67 |
0.27%
(6.30%)
$304.78 |
0.27%
(6.28%)
$235.33 |
$30,000 - $49,999 |
0.34%
(7.71%)
$867.33 |
0.35%
(8.10%)
$590.56 |
0.36%
(8.39%)
$452.67 |
0.36%
(8.40%)
$313.78 |
0.37%
(8.58%)
$245.33 |
$10,000 - $29,999 |
0.39%
(8.87%)
$872.33 |
0.40%
(9.28%)
$595.56 |
0.40%
(9.34%)
$456.67 |
0.43%
(10.03%)
$320.78 |
0.43%
(9.95%)
$251.33 |
Remarks:
-
Applicant must be Hong Kong permanent resident and over 18 years of age with monthly salary HK$5,000 or above.
-
Selected customers are property owner, professional, civil servants, staffs from selected government-related organizations (including staffs of Hospital Authority and selected education institutions) and customer with good credit management score under the credit report (Grade B or above). The Bank reserves the right of determining the final definitions of “Professional”.
-
Annualized Percentage Rate is calculated according to the guideline of the Code of Banking Practice (not including HK$300 cash rebate).
-
The above Monthly Repayment Table is applicable to the application on or after 1st April 2010 and shall be subject to variation from time to time at the Bank’s absolute discretion without further notice. The Bank reserves the right for final decision in case of dispute.
How to find out more
|
Internet Banking
Superiority