Promotion Terms and Conditions of Balance Transfer Promotion (“The Promotion”):

PROMOTION PERIOD - The Promotion Period is from July 1, 2025 to July 31, 2025, both days inclusive (the “Promotion Period”).
ELIGIBLE CUSTOMER - The promotion is applicable to the new customers who do not have any outstanding balance of Unsecured Personal Loan of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) as of June 30, 2025 (“Eligible Customer”).
OFFERS - Eligible Customers who successfully apply for Balance Transfer of the Bank (the “Loan”) during the Promotion Period and drawdown by August 31, 2025 with loan amount HK$100,000 or above and repayment tenor of 36 months or above are entitled to Cash Rebate (“Cash Rebate”) as specified below.

CASH REBATE

Drawdown Loan Amount (HK$)	Cash Rebate (HK$)
100,000 - 199,999	1,300
200,000 - 299,999	2,500
300,000 - 399,999	4,000
400,000 - 499,999	5,000
500,000 - 599,999	6,500
600,000 - 799,999	9,000
800,000 - 999,999	12,000
1,000,000 or above	14,500

Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before August 31, 2025 in order to receive Cash Rebate. Cash Rebate will be credited to Eligible Customer’s valid HKD Savings Account / Checking Account in the Bank on or before September 30, 2025.

RESTRICTION - Each customer shall only enjoy the Cash Rebate once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Cash Rebate. The Cash Rebate cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
ELIGIBILITY - Eligible Customer’s eligibility to the Cash Rebate under the Promotion is subject to Eligible Customer’s repayment account, HKD Savings Account / Checking Account in the Bank remaining valid with good repayment records (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Cash Rebate. If Eligible Customer cancels his/her repayment account or the repayment account is invalid during the Offers disbursement, Eligible Customer’s entitlement to the Offers will be forfeited. If Eligible Customer chooses to make early settlement or cancel the Loan, the Bank reserves the right to charge such Eligible Customer an amount equivalent to the amount of the Cash Rebate granted.
RIGHT TO VARY AND FINAL DECISION - The Bank reserves the right to amend these Terms and Conditions, or amend, cancel or terminate the Program at any time at its sole and absolute discretion. The Bank shall not be responsible or liable for any claims or liability resulting from the customer in the Program howsoever suffered or incurred. In case of any dispute, the decision of the Bank shall be final.
SUBJECT TO TERMS AND CONDITIONS - The Program is subject to the "Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program”. In case of any inconsistency between these terms and conditions, the “Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program” shall prevail.
ENGLISH VERSION PREVAILS - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Promotional Terms and Conditions for Online Application Offer

PROMOTION PERIOD - The Promotion Period is from July 1, 2025 to July 31, 2025, both days inclusive (the “Promotion Period”).
ELIGIBLE CUSTOMER – This Promotion is only applicable to customer who successfully apply for Personal Installment Loan / Personal Loan for Employees of China’s State-Owned Enterprises / Balance Transfer Program with loan amount equal or greater than HK$200,000 (collectively referred as the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) via designed online application from in our website or designated application form in our mobile app within Promotion Period and successfully drawdown the Loan by August 31, 2025 (“Eligible Customer”).

REWARD - Eligible Customer will be entitled following Cash Rebate (“Cash Rebate ”):

Loan	Application Channel	Cash Rebate (HK$)
Personal Installment Loan / Personal Loan for Employees of China’s State-Owned Enterprises	Designated online application form in our website	500
	Designated application form in our mobile app	1,500
Balance Transfer Program	Designated online application form in our website	500
Balance Transfer Program	Designated application form in our mobile app	500

CASH REBATE – Eligible Customer would need to open a HK$ Savings Account / Checking Account in the Bank on or before August 30, 2025 in order to receive Cash Rebate. Cash Rebate will be credited to Eligible Customer’s valid HK$ Savings Account / Checking Account in the Bank on or before September 30 2025.
RESTRICTION - Each customer shall only enjoy the Cash Rebate once during the Promotion Period. Employees of the Bank are not eligible for this Promotion. This Promotion cannot be used in conjunction with any promotional offer(s) (except Personal Installment Loan Promotion and Balance Transfer Promotion).
ELIGIBILITY – Eligible Customer must maintain good repayment record (as determined at the Bank ’s discretion) at the time of the Bank ’s giving out the Cash Rebate. If Eligible Customer does not hold any valid HK$ Savings / Checking Account in the Bank during Cash Rebate disbursement, Eligible Customer ’s entitlement to the Cash Rebate will be forfeited.
RIGHT TO VARY AND FINAL DECISION - The Bank reserves the right to amend these Terms and Conditions, or amend, cancel or terminate the Program at any time at its sole and absolute discretion. The Bank shall not be responsible or liable for any claims or liability resulting from the customer in the Program howsoever suffered or incurred. In case of any dispute, the decision of the Bank shall be final.
ENGLISH VERSION PREVAILS – In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

To borrow or not to borrow? Borrow only if you can repay!