ICBC (Asia) understands your needs so the newly launched Happy Loan - Personal Tax Loan offers you preferential features of up to 8 times your monthly salary and annualised percentage rate as low as 2.45%1. Not only can you settle your tax payment with ease, our low interest rate plan can also help you realise your dream and enjoy the easy life even in the tax season with our financial flexibility.
Successful loan application to enjoy an array of loan offers:
- Monthly flat rate as low as 0.12%, APR as low as 2.45%1
- Handling fee waiver for entire repayment period
- Up to 2 months interest rebate2
- Loan amount up to HK$800,000 or 8 times of monthly salary (whichever is lower)
- Flexible loan tenor from 6 to 24 months
- Charges are waived for early repayment while you can enjoy the highest flexibility3
- Guaranteed waiver of early repayment charge within 10 days4
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Exclusive offer for new customers:
Loan amount
(HK$) |
Preferential Customers6 |
Cash Rebate5 (HK$) |
Monthly flat rate |
Monthly repayment for every HK$10,000 loan amount (APR1) |
6 months |
12
months
(1 month
interest
rebate) |
18
months
(1 month
interest
rebate) |
24
months
(2 months
interest
rebate) |
$10,000-$49,999 |
0.120% |
$1,678.67 (2.49%) |
$845.33
(2.45%) |
$567.56
(2.59%) |
$428.67
(2.54%) |
- |
$50,000-$149,999 |
$100 |
$150,000-$249,999 |
$300 |
$250,000-$800,000 |
$500 |
Loan amount
(HK$) |
General Customers |
Cash Rebate5
(HK$) |
Monthly flat rate |
Monthly repayment for every HK$10,000 loan amount (APR1) |
6 months |
12
months
(1 month
interest
rebate) |
18
months
(1 month
interest
rebate) |
24
months
(2 months
interest
rebate) |
$10,000-$49,999 |
0.145% |
$1,681.17
(3.02%) |
$847.83
(2.97%) |
$570.06
(3.13%) |
$431.17
(3.07%) |
- |
$50,000-$149,999 |
$100 |
$150,000-$249,999 |
$300 |
$250,000-$800,000 |
$500 |
Apply with ease
- Visit any of our branches
- Call our Customer Service Hotline on 218 955887
(Apply via hotline to obtain the preliminary approval result8)
- 24-hour online application via www.icbcasia.com,
click here to apply through internet immediately.
Notes:
- The annualised percentage rate (APR) is calculated according to the Code of Banking Practice and includes the interest rebate (if applicable). The interest rate is applicable on a case-by-case basis and the finally approved interest rate is subject to the credit assessment result.
- The interest rebate is rewarded in terms of spending credit and will be deposited into customers¡¦ credit card accounts with our Bank the fifth month after loan drawdown date. To be eligible for the interest rebate, customers should maintain good repayment record and the loan and credit card accounts shall remain active and in good condition before and upon the interest rebate.
- This offer is only applicable to customers who have repaid half of their approved repayment tenors. For 6-month loan tenor, customers should have repaid 3 monthly instalments; for 12-month loan tenor, customers should have repaid 6 monthly instalments; for 18-month loan tenor, customers should have repaid 9 monthly instalments; for 24-month loan tenor, customers should have repaid 12 monthly instalments.
- Customers may fully repay and cancel the approved Tax Loan within 10 days upon loan drawdown. No finance charge or interest will be incurred.
- New customers refer to those who do not maintain any Personal and Tax Loan accounts and any deposit accounts with our Bank in the past 12 months. To be eligible for the cash rebate, new customers must apply successfully and draw down the loan and at the same time open our integrated account and repay by this account. Cash rebate will be rewarded and credited directly into the newly opened integrated account on the loan drawdown date.
- Customers must select our selected banking services to enjoy the special interest rate offer of preferential customers.
- 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 customers. The Bank has the sole and absolute discretion to decide whether to accept the application or not.
- The above examples are for reference only. The monthly flat rate in the table above is the lowest interest rate and the final interest rate may vary on a case-by-case basis, subject to the conditions of each customer.
- 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