Promotion Terms and Conditions of CCB (Asia) “Low Interest” Balance Transfer Promotion (“The Promotion”):

  1. PROMOTION PERIOD - The Promotion Period is from Novemeber 1, 2024 to November 30, 2024, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER - The promotion is applicable to customers who do not have any outstanding balance for Balance Transfer Loan (the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) (“Eligible Customer”) as of October 31, 2024.
  3. OFFERS - Eligible Customers who successfully apply the Loan during the Promotion Period and drawdown by December 31, 2024 with loan amount HK$50,000 or above and repayment tenor of 12 months or above, subject to the terms herein and respective "Terms and Conditions for CCB (Asia) Personal Installment Loan”, are entitled to a waiver of handling fee which is 1% per annum of the loan amount (“Waiver”). In addition, Eligible Customers whose loan amount HK$100,000 or above and repayment tenor of 36 months or above are entitled to Cash Rebate (“Cash Rebate”) as specified below. Waiver and Cash Rebate are collectively referred as the “Offers”.
  4. CASH REBATE
    Drawdown Loan Amount (HK$) 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 December 31, 2024 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 January 31, 2025.

  5. RESTRICTION - Each customer shall only enjoy the Offers and Cash Rebate once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Offers and Cash Rebate. The Offers cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
  6. ELIGIBILITY - Eligible Customer’s eligibility to the Offers under the Promotion is subject to Eligible Customer’s repayment account remaining valid with good repayment records (as determined at the Bank’s discretion) at the time of the Bank’s giving out the Offers. 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 Offers granted.
  7. 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.
  8. "TERMS AND CONDITIONS FOR CCB (ASIA) PERSONAL INSTALLMENT LOAN" PREVAILS - The Program is subject to the "Terms and Conditions for CCB (Asia) Personal Installment Loan”. In case of any inconsistency between these terms and conditions and the Terms and Conditions for CCB (Asia) Personal Installment Loan", the “Terms and Conditions for CCB (Asia) Personal Installment Loan" / shall prevail.
  9. ENGLISH VERSION PREVAILS - In case of any inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Promotion Terms and Conditions for Online Application Offer:

  1. PROMOTION PERIOD - The Promotion Period is from November 1, 2024 to November 30, 2024 both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMER - This Promotion is only applicable to customer who successfully apply for Personal Installment Loan / Balance Transfer Program with loan amount equal or greater than HK$200,000 (collectively referred as the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) via designed online application from in our website or designated application form in our mobile app within Promotion Period and successfully drawdown the Loan by December 31, 2024.
  3. REWARD - Eligible Customer will be entitled the following Cash Rebate (“Cash Rebate”):
    Loan Application channel Cash Rebate (HK$)
    Personal Installment Loan 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
    Designated application form in our mobile app 500
  4. CASH REBATE - Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before December 31, 2024 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 January 31, 2025.
  5. 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).
  6. 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 HKD Savings / Checking Account in the Bank during Cash Rebate disbursement, Eligible Customer’s entitlement to the Cash Rebate will be forfeited.
  7. 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.
  8. ENGLISH VERSION PREVAILS - In case of any discrepancy 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!