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

  1. PROMOTION PERIOD -The Promotion Period is from November 1, 2025 to December 31, 2025, 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, 2025 with good credit rating (“Eligible Customer”).
  3. OFFERS -Eligible Customers who successfully apply for Personal Installment Loan or Personal Loan for Employees of China’s State-Owned Enterprises (the “Loan") of the Bank during the Promotion Period and drawdown on or before January 31, 2026, and whose loan amount is HK$200,000 or above with a repayment period of 24 months or above, shall enjoy the cash rebate ("Cash Rebate") as described below and the "0" interest promotion for the tax season ("0 Interest Promotion") as described below. The Cash Rebate and the tax season "0" interest promotion are collectively referred to as "Offers".
  4. CASH REBATE

    Repayment Period
    (Months)

    Drawdown Loan Amount (HK$)

    200,000 – 1,000,000

    1,000,001 – 1,500,000

    1,500,001 – 2,999,999

    3,000,000

    Cash Rebate (HK$)

    12 & 18

    0.25% of drawdown amount
    (to the nearest dollar)
    Example: 200,000 X 0.25% = 500

    3,000

    4,000

    N/A

    24
    or above

    0.5% of drawdown amount
    (to the nearest dollar)
    Example: 200,000 X 0.5% =1,000

    6,000

    8,000

    10,000

    Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 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 March 31, 2026.
  5. "0" INTEREST PROMOTION - The "0" interest promotion is offered as a cash rebate equivalent to the interest rebate for 3 months on a specified loan amount. If the Eligible Customer holds an account of our Bank under "Private Banking", "Private Wealth" or "Premier Banking", the specified loan amount is HK$100,000; for other valid HKD savings/checking accounts with the Bank, the specified loan amount is HK$50,000. The total cash rebate amount is equivalent to the total interest payable over the full loan term, averaged according to the repayment period and calculated based on the monthly flat interest as specified in the loan agreement.
    Example - For a loan amount of HK$500,000 and a monthly flat rate of 0.5%, calculated in compliance with the above requirements:

    "Private Banking", "Private Wealth" or "Premier Banking" Account

    other valid HKD savings/checking accounts with the Bank

    HK$100,000 (specified loan amount) multiplied by 0.5% (monthly flat rate) multiplied by 3 months

    = HK$1,500

    HK$50,000 (specified loan amount) multiplied by 0.5%

    (monthly flat rate) multiplied by 3 months

    =HK$750
    Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before May 31, 2026 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 June 30, 2026.
  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 & Loan MGM Offer).
  7. ELIGIBILITY- Eligible Customer’s eligibility to the Offers 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 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. SUBJECT TO TERMS AND CONDITIONS– The Program is subject to the “Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program” and “Terms and Conditions of CCB (Asia) Personal Installment Loan for Employees of China’s State-Owned Enterprises”. In case of any inconsistency between these terms and conditions, the “Terms and Conditions of CCB (Asia) Personal Installment Loan / Balance Transfer Program” and “Terms and Conditions of CCB (Asia) Personal Installment Loan for Employees of China’s State-Owned Enterprises” shall prevail.
  10. 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("The Program ")

  1. PROMOTION PERIOD- The Promotion Period is from November 1, 2025 to December 31, 2025, both days inclusive (the “Promotion Period”).
  2. 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. (“Eligible Customer”).
  3. 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

    Designated application form in our mobile app

    500
  1. CASH REBATE– Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 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 March 31, 2026.
  2. 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).
  3. 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.
  4. 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.
  5. 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 Loan MGM Offer("The Program ")

  1. PROMOTION PERIOD- The Promotion Period is from November 1, 2025 to December 31, 2025, both days inclusive (the “Promotion Period”).
  2. ELIGIBLE CUSTOMERS - 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 (collectively referred as the “Loan”) of China Construction Bank (Asia) Corporation Limited (“the Bank”, “we”, “our”, “us”) within Promotion Period and successfully drawdown the Loan. (“Eligible Customer”). (holders of loan accounts that have been fully repaid are not eligible).
  3. NEW CUSTOMERS - Refers to new customers ("New Customers") who, as of October 31, 2025, do not have any outstanding loans in the Bank.
  4. REFERRAL REWARD - Refers to a reward granted to an Eligible Customer ("Referrer") who successfully recommends a New Customer to use the Referrer's exclusive referral code. This applies if the New Customer successfully applies for the loan and withdraws it on or before January 31, 2026. If the loan amount reaches HK$200,000 or more and the repayment period is 24 months or above ("Successful Referral"), a cash reward of HK$1,500 will be awarded ("Referral Reward"). Each Referrer may receive up to HK$15,000 in cash rewards (i.e., a maximum of 10 Successful Referrals). Eligible Customer would need to open a HKD Savings Account / Checking Account in the Bank on or before February 28, 2026 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 March 31, 2026.
  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 inconsistency between English and Chinese versions of these Terms and Conditions, the English version shall prevail.

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