Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay.
Consolidate your loans and card bills in one go with 1-month payment holiday1- a great saver of efforts and time!
From now till Sept 30, 2023, apply for Debt Changer with a promotion code [DCREBATES] to get 3 loan cash coupons -
up to HKD 8,000 cash rewards2await!
Debt Changer
Debt Consolidation Program
Take a break from debt and repayment!
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Loans, Assemble!
Debt Consolidation Plan
Product Features
[ 1 ] On or before 30 Sep 2023, for 12-month tenor or above of Debt Consolidation Program drawn down, user will earn a Payment Holiday Coupon. Upon application of a coupon, user can enjoy payment holiday for 1 instalment. During the payment holiday, user does not need to repay the principal and interest and the remaining outstanding loan amount will be deferred for 1 instalment. If user’s ZA Bank account is not in valid and normal status, user has a history of overdue repayment for 60 days or more for any existing / historical loan held in ZA Bank or user has any overdue loans with ZA Bank or other financial institutions within 3 months, user cannot apply the coupon. Terms and conditions apply.
[2] Input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amount during the Debt Consolidation Program application on or before 30 Sept 2023. With the coupon, you can get HKD 800, HKD 3,000 and HKD 8,000 cash rewards respectively upon successful drawdown of Debt Consolidation Program with loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above as well as completion of 7-day cooling-off period. The coupon is valid for 14 days after you have entered the code during the loan application.Terms and conditions apply.
[3] The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
[4] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.
FAQ
General Account Opening Terms and Conditions | Debt Consolidation Program Terms and Condition | Supporting institutions
Easy application in 4 steps
Fill in information
Receive preliminary approval result
Upload documents and set up plans with our Debt Consolidation Specialists
Confirm the application and fund disbursement
By inputting the invitation code [DCREBATES] and successfully drawing down designated Debt Consolidation Program with promotion code, you can grab up to HKD 8,000 cash rewards2!
Rewards? Available!
Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.
72-month extra-long repayment period
Take a little escape from repayment with 1-month payment holiday1 – you can even decide when to have it!
Enjoy the payment holiday!
Debt Changer
Debt Consolidation Program
Take a break from debt and repayment!
To borrow or not to borrow?Borrow only if you can repay.
Consolidate your loans and card bills in one go with 1-month payment holiday1- a great saver of efforts and time!
From now till 30 Sept, 2023, apply for Debt Changer with a promotion code [DCREBATES] to get 3 loan cash coupons - up to HKD 8,000 cash rewards2await!
By inputting invitation code [DCREBATES] and successfully drawing down designated Debt Consolidation Program with promotion code, you can grab up to HKD 8,000 cash rewards!*
Rewards? Available!
Debt Consolidation Program
Product Features
[ 1 ] On or before 30 Sep 2023, for 12-month tenor or above of Debt Consolidation Program drawn down, user will earn a Payment Holiday Coupon. Upon application of a coupon, user can enjoy payment holiday for 1 instalment. During the payment holiday, user does not need to repay the principal and interest and the remaining outstanding loan amount will be deferred for 1 instalment. If user’s ZA Bank account is not in valid and normal status, user has a history of overdue repayment for 60 days or more for any existing / historical loan held in ZA Bank or user has any overdue loans with ZA Bank or other financial institutions within 3 months, user cannot apply the coupon.Terms and conditions apply.
[ 2 ] Input the invitation code to get 3 Loan Cash Coupons which are applicable to different loan amount during the Debt Consolidation Program application on or before 30 Sept 2023. With the coupon, you can get HKD 800, HKD 3,000 and HKD 8,000 cash rewards respectively upon successful drawdown of Debt Consolidation Program with loan amount of HKD 100,000 – HKD 399,999, HKD 400,000 – HKD 799,999 and HKD 800,000 or above as well as completion of 7-day cooling-off period. The coupon is valid for 14 days after you have entered the code during the loan application.Terms and conditions apply.
[ 3 ] The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
[ 4 ] The approval results are preliminary. Users are required to submit proof documents before receiving the final approval. The actual completion time varies across individuals. In general, provided that all required information is in order, an applicant can get the preliminary approval result within 90 seconds.
FAQ
General Account Opening Terms and Conditions | Debt Consolidation Program Terms and Condition | Supporting institutions
4 steps to apply
Take a little escape from repayment with 1-month payment holiday1– you can even decide when to have it!
Enjoy the payment holiday!
Flexible repayment period up to 72 months! Pick the repayment schedule that suits you.
72-month extra-long
repayment period
From loans to card bills, this is your perfect fix to multiple loans – you can handle with ease from now on!
Loans, Assemble!