Landlord Perk: Flexibly cash out your rent! Enjoy up to 2 years of your rental income early, no collateral required!
Loan approval + App install = Prize#
Loan approval + App install = Prize#
ZA Bank Lease Cashout
Get up to 2 years of your rent ahead and a 0% monthly flat rate!
Fees & ChargesPromotional Terms and Conditions
Get up to 2 years of your rental income ahead!
End the wait for rent and negotiating tenant discounts. Get paid at least 1 year ahead!
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Transparent fees and charges
Annual handling fees of 5% and 4% respectively for 12 and 24 months of tenor.1
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0% monthly interest
Save more with a 0% monthly flat rate and an HKD 0 early settlement fee!
ZA Bank Lease Cashout
Get up to 2 years of your rent ahead and a 0% monthly flat rate!
Fees & ChargesPromotional Terms and Conditions
Get up to 2 years of your rental income ahead!
End the wait for rent and negotiating tenant discounts. Get paid at least 1 year ahead!
Transparent fees and charges
Annual handling fees of 5% and 4% respectively for 12 and 24 months of tenor.1
0% monthly interest
Save more with a 0% monthly flat rate and an HKD 0 early settlement fee!
ZA Bank Lease Cashout
Get up to 2 years of your rent ahead and a 0% monthly flat rate!
Get up to 2 years of your rental income ahead!
End the wait for rent and negotiating tenant discounts. Get paid at least 1 year ahead!
Transparent fees and charges
Annual handling fees of 5% and 4% respectively for 12 and 24 months of tenor.1
0% monthly interest
Save more with a 0% monthly flat rate and an HKD 0 early settlement fee!
ZA Bank Lease Cashout
Get up to 2 years of your rent ahead and a 0% monthly flat rate!
Get up to 2 years of your rental income ahead!
End the wait for rent and negotiating tenant discounts. Get paid at least 1 year ahead!
Transparent fees and charges
Annual handling fees of 5% and 4% respectively for 12 and 24 months of tenor.1
0% monthly interest
Save more with a 0% monthly flat rate and an HKD 0 early settlement fee!
Case study
“Rent collection isn’t always easy
Amy is a savvy landlord who’s just rented out her flat at HKD 20,000 per month. She used to ask for a full year’s rent upfront, but to attract tenants, she often had to offer discounts. And it's common that many tenants simply aren’t willing to pay a lump sum in advance.
1
3
Case study
“Rent collection isn’t always easy
Amy is a savvy landlord who’s just rented out her flat at HKD 20,000 per month. She used to ask for a full year’s rent upfront, but to attract tenants, she often had to offer discounts. And it's common that many tenants simply aren’t willing to pay a lump sum in advance.
1
3
Case study
“Rent collection isn’t always easy
Amy is a savvy landlord who’s just rented out her flat at HKD 20,000 per month. She used to ask for a full year’s rent upfront, but to attract tenants, she often had to offer discounts. And it's common that many tenants simply aren’t willing to pay a lump sum in advance.
1
3
Case study
“Rent collection isn’t always easy
Amy is a savvy landlord who’s just rented out her flat at HKD 20,000 per month. She used to ask for a full year’s rent upfront, but to attract tenants, she often had to offer discounts. And it's common that many tenants simply aren’t willing to pay a lump sum in advance.
1
3
Repayment calculator
Application amount (HKD)
Application amount (HKD)
Application amount (HKD)
500,000
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
:0.00%
APR (%)
:--%
Handling fee (HKD)
:--
Net disbursement amount (HKD)
:--
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
0.00%
APR (%)
--%
Handling fee (HKD)
--
Net disbursement amount (HKD)
--
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The monthly flat rate is 0%. The handling fee for a 12-month tenor is 5% of the principal, and 8% for a 24-month tenor, which represents an APR of 10.01% and 8.45% respectively.
- The information above is for reference only. The actual loan amount and tenor will be subject to the individual circumstances and credit assessment.
Repayment calculator
Application amount (HKD)
Application amount (HKD)
Application amount (HKD)
500,000
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
:0.00%
APR (%)
:--%
Handling fee (HKD)
:--
Net disbursement amount (HKD)
:--
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
0.00%
APR (%)
--%
Handling fee (HKD)
--
Net disbursement amount (HKD)
--
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The monthly flat rate is 0%. The handling fee for a 12-month tenor is 5% of the principal, and 8% for a 24-month tenor, which represents an APR of 10.01% and 8.45% respectively.
- The information above is for reference only. The actual loan amount and tenor will be subject to the individual circumstances and credit assessment.
Repayment calculator
Application amount (HKD)
Application amount (HKD)
Application amount (HKD)
500,000
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
:0.00%
APR (%)
:--%
Handling fee (HKD)
:--
Net disbursement amount (HKD)
:--
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
0.00%
APR (%)
--%
Handling fee (HKD)
--
Net disbursement amount (HKD)
--
Note:
- The monthly flat rate is 0%. The handling fee for a 12-month tenor is 5% of the principal, and 8% for a 24-month tenor, which represents an APR of 10.01% and 8.45% respectively.
- The information above is for reference only. The actual loan amount and tenor will be subject to the individual circumstances and credit assessment.
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment calculator
Application amount (HKD)
Application amount (HKD)
Application amount (HKD)
500,000
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
:0.00%
APR (%)
:--%
Handling fee (HKD)
:--
Net disbursement amount (HKD)
:--
Monthly repayment amount (HKD)
--
Monthly flat rate (%)
0.00%
APR (%)
--%
Handling fee (HKD)
--
Net disbursement amount (HKD)
--
Note:
- The monthly flat rate is 0%. The handling fee for a 12-month tenor is 5% of the principal, and 8% for a 24-month tenor, which represents an APR of 10.01% and 8.45% respectively.
- The information above is for reference only. The actual loan amount and tenor will be subject to the individual circumstances and credit assessment.
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly Repayment Amount(HKD) | Interest (HKD) | Principal (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Complete the application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Confirmation and disbursement
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Complete the application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Confirmation and disbursement
Complete the application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Confirmation and disbursement
Complete the application in 4 steps
1
Fill in information
2
Receive preliminary approval result
3
Provide more information and upload documents
4
Confirmation and disbursement
Eligibility and required documents
Eligibility
Owner of the rental property of the declared address in Hong Kong
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
Owner of the rental property of the declared address in Hong Kong
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
Owner of the rental property of the declared address in Hong Kong
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
Eligibility and required documents
Eligibility
Owner of the rental property of the declared address in Hong Kong
HKID holder
Age 18 or above
Monthly salary HKD 8,000 or above
Required documents
Income proof
Address proof
Other documents, e.g. working visa (if required)
# From today until 31 December 2025, users who apply for Instalment Loan or Debt Consolidation Program via ZA Bank website can participate in the Download the ZA Bank App and View the Loan Preliminary Result Offer. Eligible users are required to download the ZA Bank App and continue the Loan application until completion of the SMS verification to get a merchant coupon. The applicable merchant and reward shall be referred to the preliminary approval result page on the ZA Bank website. If the application is rejected, the user will not be eligible to participate in this offer. Each user can only participate in this offer once. Terms and conditions apply.
1. The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24-month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
# From today until 31 December 2025, users who apply for Instalment Loan or Debt Consolidation Program via ZA Bank website can participate in the Download the ZA Bank App and View the Loan Preliminary Result Offer. Eligible users are required to download the ZA Bank App and continue the Loan application until completion of the SMS verification to get a merchant coupon. The applicable merchant and reward shall be referred to the preliminary approval result page on the ZA Bank website. If the application is rejected, the user will not be eligible to participate in this offer. Each user can only participate in this offer once. Terms and conditions apply.
1. The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24-month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
# From today until 31 December 2025, users who apply for Instalment Loan or Debt Consolidation Program via ZA Bank website can participate in the Download the ZA Bank App and View the Loan Preliminary Result Offer. Eligible users are required to download the ZA Bank App and continue the Loan application until completion of the SMS verification to get a merchant coupon. The applicable merchant and reward shall be referred to the preliminary approval result page on the ZA Bank website. If the application is rejected, the user will not be eligible to participate in this offer. Each user can only participate in this offer once. Terms and conditions apply.
1. The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24-month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
# From today until 31 December 2025, users who apply for Instalment Loan or Debt Consolidation Program via ZA Bank website can participate in the Download the ZA Bank App and View the Loan Preliminary Result Offer. Eligible users are required to download the ZA Bank App and continue the Loan application until completion of the SMS verification to get a merchant coupon. The applicable merchant and reward shall be referred to the preliminary approval result page on the ZA Bank website. If the application is rejected, the user will not be eligible to participate in this offer. Each user can only participate in this offer once. Terms and conditions apply.
1. The handling fee is calculated based on a specified percentage of the loan principal, with a 5% handling fee for the 12-month tenor (APR of 10.01%) and an 8% handling fee for the 24-month tenor (4% annual handling fee, APR of 8.45%). The handling fee will be deducted from the loan disbursement amount. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Association of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
2. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
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