CNCBI $mart Plus Personal Installment Loan – Debt Consolidation

Update time: May 2023

Total Repayment (as low as)


Monthly Repayment (as low as)


APR (as low as)

Monthly Flat Rate: 0.22%
Loan tenor as long as 72 months with personalized interest rate
[Pay off all debts] 21 times of your monthly salary, monthly flat rate as low as 0.213%

Great for

  • MoneyHero Exclusive Offer - Apple or Dyson Items Up to HK$4,599
    Customers who successfully apply for CNCBI $mart Plus Personal Installment Loan via MoneyHero from 31 March 2023 06:00 p.m. to 30 June 2023 and drawdown the loan within 1 month after successful application, will be entitled to the following MoneyHero exclusive offer:

    Loan Amount Option 1 Option 2
    HK$800,000 or above AirPods Max (valued at HK$4,599) HK$4,000 Wellcome Voucher
    HK$400,000 - HK$799,999 Dyson Supersonic™ Hair Dryer HD08 (valued at HK$3,680) HK$3,000 Wellcome Voucher
    HK$100,000 - HK$399,999 De'Longhi Active Line Series Pump-Driven Espresso Coffee Machine ECP35.31 (valued at HK$1,848) HK$1,000 Wellcome Voucher
    • All of the Rewards will be issued randomly in colour
    • For more details about the promotion, please see Terms and Conditions
  • Product Features

    • Loan amount as high as HK$2,000,000 or 21 times of your monthly salary (whichever is lower)
    • Loan tenor as long as 72 months with personalized interest rate

Need to know

  • Things you need to know

    • The Annualized Percentage Rate ("APR") of 7.19% is calculated based on the monthly flat rate 0.213%, loan amount of HK$500,000, 60-month repayment period and include the 1% handling fee per annum.
    • The APR is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate.
      • The monthly flat rate and APR here is for reference only. The approval result is subject to customer’s financial condition and is solely determined by CNCBI.
    • For details, please visit CNCBI website.
    • Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!


Minimum Age
18 years old

Required Documents

1. HKID card / passport / other identification document
2. Bank statement or passbook showing your latest 1-month income proof (including the copy of front cover page of your passbook which shows your name and account number) or any type of income proof.
Please provide the latest 2-month income proof if you are commission based income earner
3. If you are self-employed, please provide Business registration certificate and the latest profits tax demand note, and
the latest 3-month company account statements
4. Residential address proof showing your name issued within the latest 3 months (e.g. electricity bills or bank statements)
5. Proof of professional qualification (For professionals only)
6. Office address proof if office address is selected as correspondence address
7. If you are not holder of Hong Kong permanent identity card, please submit passport/ Exit/ Entry Permit for Travelling to and from Hong Kong and Macau/ identity card of place of origin and working visa issued by the Hong Kong SAR Government
8. Full copy of the front cover page of passbook / bank statement of the loan disbursement account
9. Autopay authorization form
10. Loan confirmation letter(s) or latest 1-month statement(s) (showing your name and account number) of credit
card(s) and loan(s) that you wish to transfer to $martPlus Debt Consolidation

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