CNCBI $mart Plus Personal Instalment Loan

Great for

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  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
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  Product Features

  • APR 1.9%
  • 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 Same-day fund disbursement to your CNCBI account
  • Same-day fund disbursement to your CNCBI account

Need to know

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  Things you need to know

  • The Annualized Percentage Rate ("APR") 1.90% is calculated for a loan amount of HK$2,000,000, with a monthly flat rate of 0.001%, a repayment period of 12 months and 1% Handling fee. 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.
  • 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.
  • 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.
  • For details, please visit CNCBI website.
  • Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!