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[ 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.