Promotion Terms & Conditions of CCB (Asia) Personal Installment Loan Promotion ("The Program")

  1. PROMOTION PERIOD - The Promotion Period is from November 1, 2024 to November 30, 2024, both days inclusive (the “Promotion Period ”).
  2. 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 October 31, 2024 with good credit rating (“Eligible Customer ”).
  3. OFFERS - Eligible Customers who successfully apply for Personal Installment Loan (the “Loan") of the Bank with loan amount HK$5,000 or above and repayment tenor of 12 months or above during the Promotion Period and drawdown on or before December 31, 2024 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"), Preferential Rate(“Preferential Rate") as specific below. In addition, for loan amount HK$100,001 or above and repayment tenor of 24 months or above, Eligible Customer can enjoy Cash Rebate(“Cash Rebate") as specified below. Waiver, Preferential Rate and Cash Rebate are collectively referred as the “Offers".
  4. PREFERENTIAL RATE
    Repayment Period (Months) Drawdown Loan Amount (HK$)
    5,000 – 100,000 100,001 – 300,000 300,001 – 600,000 600,001 - 1,000,000 1,000,001 – 2,999,999 3,000,000
    Monthly Flat Rate APR Monthly Flat Rate APR
    (with Cash Rebate)    		 Monthly Flat Rate APR
    (with Cash Rebate)     		Monthly Flat Rate APR
    (with Cash Rebate)     		Monthly Flat Rate APR
    (with Cash Rebate)     		Monthly Flat Rate APR
    (with Cash Rebate)
    12 0.27% 6.48% 0.27% 6.11%
    (5.12%)
    		 0.26% 5.87%
    (4.89%)     		0.25% 5.64%
    (4.66%)    		 0.24% 5.41%
    (4.63%)    		 0.0675% 1.50%
    24 6.35% 6.28%
    (5.25%)    		 6.05%
    (5.02%)    		 5.81%
    (4.79%)    		 5.57%
    (4.76%)    		 0.22% 5.11%
    (4.76%)
    36 6.58% 6.30%
    (5.60%)    		 6.07%
    (5.37%)    		 5.83%
    (5.13%)    		 5.60%
    (5.04%)    		 5.13%
    (4.90%)
    48 6.43% 6.29%
    (5.76%)    		 6.06%
    (5.52%)    		 5.82%
    (5.29%)    		 5.59%
    (5.16%)    		 5.13%
    (4.95%)
    60 6.32% 6.25%
    (5.82%)    		 6.02%
    (5.59%)    		 5.79%
    (5.36%)    		 5.56%
    (5.22%)    		 5.11%
    (4.96%)

    The Annualized Percentage Rate ("APR") stated in the Reference Rate Table above are calculated on the basis of 12, 24, 36, 48 and 60 months repayment period and the loan amount of HK$5,000, HK$100,001, HK$300,001, HK$600,001, HK$1,000,001 and HK$3,000,000 respectively. The APR is calculated according to the standard of Hong Kong Association of Banks and rounded to the two decimal places. An APR is a reference rate which includes the basic interest rates 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. Please note that the actual APR of customers may be affected by customers' credit status and different from that in the above rate table. All loan repayment terms should be subject to the Bank's final approval and discretion. Customers should refer to the loan confirmation letter issued by the Bank for the actual details of the repayment terms. The Bank reserves the right of final decision on the interest rate and approval result.

  5. CASH REBATE
    Repayment Period (Months) Drawdown Loan Amount (HK$)
    100,001 – 600,000 600,001 – 1,000,000 1,000,001 – 2,999,999 3,000,000
    Cash Rebate (HK$)
    12 0.5% of drawdown amount (to the nearest dollar)
    Example: 200,000 X 0.5% = 1,000    		 3,000 4,000 N/A
    24 or above 1% of drawdown amount (to the nearest dollar)
    Example: 200,000 X 1% = 2,000    		 6,000 8,000 10,000

    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.

  6. RESTRICTION - Each customer shall only enjoy the Offers once notwithstanding the number of successful applications and drawdown during the Promotion Period. Employees of the Bank are not eligible for the Preferential Rate. The Offers cannot be used in conjunction with any promotional offer(s) (except Online Application Offer).
  7. ELIGIBILITY - Eligible Customer ’s eligibility to the Offers under the Promotion is subject to Eligible Customer ’s repayment account, HK$ 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 Offers. 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 Offers granted.
  8. 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.
  9. “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 discrepancy 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.
  10. ENGLISH VERSION PREVAILS – In case of any discrepancy 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$200,000 (collectively referred as the “Loan ”) of China Construction Bank (Asia) Corporation Limited (“the Bank ”, “we ”, “our ”, “us ”) via designed online application from in our website or designated application form in our mobile app within Promotion Period and successfully drawdown the Loan by December 31, 2024 (“Eligible Customer”).
  3. REWARD - Eligible Customer will be entitled the following Cash Rebate (“Cash Rebate ”):
    Loan Application channel Cash Rebate (HK$)
    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 HK$ 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 HK$ 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!