"Low Interest" Balance Transfer Program
Let Our Professional Team Help to Solve Your Financial Problems
And Earn up to HK$15,000 Cash Rebate
"Low Interest" Balance Transfer Program^
Enables you to settle your consolidated credit card debt in one easy go! You can enjoy handling fee waiver, a monthly flat rate as low as 0.22%*, and up to HK$15,000 Cash Rebate upon successful application! Our Professional Team can help to solve your financial problems, with a custom-made plan to save on interest expenses, and make your repayments much easier!
| Repayment Period | Drawdown Loan Amount (HK$) | Cash Rebate (HK$) | ||
| 36 months or above | 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 |
A dedicated person will analyze the balance and repayment status of each of your credit cards and tailor-make a suitable repayment plan for you.
Now you can reduce monthly repayments and save on interest expenses.
| Loan Amount HK$500,000 | Monthly Repayment Amount | Repayment Period | Total Interest Expenses |
| Current Credit Card Amount Outstanding1 | HK$24,076 | 275 months | HK$524,404 |
| “Low Interest” Balance Transfer Program 2 | HK$22,084 | 24 months | HK$30,016 |
|
Monthly repayment reduced by 8%
|
Repayment period shortened by 251 months
|
Save interest expenses by 94%
|
Submit application before 3pm and our Personal Loan Services Manager will reply on the same day#
^ “Low Interest” Balance Transfer Program is a promotion plan under CCB(Asia) Balance Transfer Program.
*Monthly flat rate 0.22% (Annualized Percentage Rate (“APR”) 4.95%) is calculated on the basis of 12 months repayment period and the loan amount of HK$2,000,000.
# Only applicable for online loans applications received before 3:00 p.m. of a business day, Bank designated staff will follow up on the application with the applicant by calling the mobile phone number provided on the application form within the same day before 5:00 p.m. If the online loans application is received after 3:00 p.m. or during non-business days, Bank designated staff will follow up on the application with the applicant on the next business day before 2:00 p.m.. If the Bank cannot successfully contact the applicant by the mobile phone number provided on the application form the above-mentioned time, a notification SMS will be sent to the applicant's mobile phone number provided on the application form within the same day.
Notes:
- Assuming the total outstanding loan amount is HK$500,000 and the interest rate is 30% per annum (Annualized Percentage Rate (“APR”) is 34.49%). The repayment period and total interest expenses are calculated based on the minimum payment of 5% of the monthly outstanding.The monthly repayment amount is based on the average of the first 6 monthly repayment amounts.
- Assuming the loan amount is HK$500,000 and the repayment period is 24 months, no handling fees are incurred, and at an interest rate of 0.25% per month (APR is 5.81%). The above interest rate, monthly repayment amounts, loan tenor and interest savings may vary for individual customers and are subject to customer’s loan status and the final approval of the Bank.
- Application hotline service hours: Monday to Friday 9:00 a.m. – 6:30 p.m. and Saturday 9:00 a.m. – 1:00 p.m.
The APR is calculated according to the standard of Hong Kong Association of Banks and is rounded up/down to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of the product expressed as an annualized rate. Interest is charged daily and calculated on the basis of 365 days per year.The actual APR may vary for individual customers and the final interest rate will be subject to the credit status of thecustomer, please contact the staff of the Bank for details. The Bank reserves the right of final decision on the interest rate and approval result.
The above products and services are subject to relevant terms and conditions. Please contact our staff for more details.
To borrow or not to borrow? Borrow only if you can repay!
Terms & Conditions