CNCBI $mart Plus Tax Season Loan

Great for

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  [MoneyHero Exclusive Offer] - Time-limited HK$800 Apple Store Gift Card / Wellcome Shopping Voucher

  • From 7 November 2023 12:00 noon to 2 January 2024 06:00 p.m., you can get extra HK$800 Apple Store Gift Card / Wellcome Shopping Voucher upon successful application via MoneyHero & submission of documents to the bank on or before 2 January 2024, regardless of loan approval and drawdown
  • For more details about the promotion, please see Terms and Conditions
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  [MoneyHero Exclusive Offer]

  • Eligibility:
    • successfully apply for CNCBI $mart Plus Tax Season Loan or CNCBI $mart Plus Personal Installment Loan – Debt Consolidation on MoneyHero from 7 November 2023 12 noon to 2 January 2024 6 p.m., and
    • choose a repayment period of 12 months or above, and drawdown the loan within 1 month

  Loan Amount	MoneyHero Exclusive Offer
  HK$1,500,000 or above	HK$17,000 Apple Store Gift Card / Supermarket Coupon
  HK$800,000 to HK$1,499,999	HK$13,500 Apple Store Gift Card / Supermarket Coupon
  HK$400,000 to HK$799,999	Marshall Woburn II (valued at HK$4,999) HK$7,000 Apple Store Gift Card / Supermarket Coupon
  HK$100,000 to HK$199,999	Bose QuietComfort Ultra Earbuds (valued HK$2,299) HK$3,000 Apple Store Gift Card / Supermarket Coupon

  • All of the Rewards will be issued randomly in colour
  • For more details about the promotion, please see Terms and Conditions
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  Product Features

  • APR as low as 1.65%
  • Loan amount as high as HK$2,000,000 or 18 times of your monthly salary (whichever is lower)
  • Flexible repayment period of 6 to 60 months

Need to know

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  Things you need to know

  • The APR 1.65% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.032%, including a handling fee of 0.5% 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 preferential interest rate is only applicable to customers who have a valid China CITIC Bank International PAYROLLplus Account (“PAYROLLplus Account”) upon loan drawdown. If you do not have a PAYROLLplus Account upon loan application, you may immediately open a bank account and register a PAYROLLplus Account via inMotion App.
  • Handling fee of 0.5% is for repayment tenor of 12 months and handling fee of 1% is for repayment tenor of 18-60 months. Handling Fee is charged annually based on loan amount and shall be deducted upon loan drawdown.
  • The monthly flat rate and APR here is for reference only. CNCBI reserves the right to determine the interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the customer’s credit records and other relevant factors as CNCBI may consider in its absolute discretion.
  • Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it only applies to our Bank’s service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank.
  • Please visit CNCBI website for details.
  • Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!