- Successfully draw down a designated Tax Loan to enter the lucky draw and win a tax rebate of up to HKD 100,0001. Your tax payment is on us! Prize amount & total number of winner(s) - Up to HKD 100,000 - 1 person - Random amount (min. HKD 188 guaranteed) - Everyone gets one! Lucky draw date: 6 – 10 January 2025 Method: Get a capsule at ZA Quest
- Successfully draw down a designated Tax Loan to unlock the Tax Loan VIP Zone1. Get an 80% off FX Spread Discount Coupon3 and a +4.05% 3-month USD Time Deposit New Funds Rate-up Coupon4!
- Successfully draw down a designated Tax Loan to enter the lucky draw and win a tax rebate of up to HKD 100,0001. Your tax payment is on us! Prize amount & total number of winner(s) - Up to HKD 100,000 - 1 person - Random amount (min. HKD 188 guaranteed) - Everyone gets one! Lucky draw date: 6 – 10 January 2025 Method: Get a capsule at ZA Quest
- Successfully draw down a designated Tax Loan to unlock the Tax Loan VIP Zone1. Get an 80% off FX Spread Discount Coupon3 and a +4.05% 3-month USD Time Deposit New Funds Rate-up Coupon4!
- Successfully draw down a designated Tax Loan to enter the lucky draw and win a tax rebate of up to HKD 100,0001. Your tax payment is on us! Prize amount & total number of winner(s) - Up to HKD 100,000 - 1 person - Random amount (min. HKD 188 guaranteed) - Everyone gets one! Lucky draw date: 6 – 10 January 2025 Method: Get a capsule at ZA Quest
- Successfully draw down a designated Tax Loan to unlock the Tax Loan VIP Zone1. Get an 80% off FX Spread Discount Coupon3 and a +4.05% 3-month USD Time Deposit New Funds Rate-up Coupon4!
- Successfully draw down a designated Tax Loan to enter the lucky draw and win a tax rebate of up to HKD 100,0001. Your tax payment is on us! Prize amount & total number of winner(s) - Up to HKD 100,000 - 1 person - Random amount (min. HKD 188 guaranteed) - Everyone gets one! Lucky draw date: 6 – 10 January 2025 Method: Get a capsule at ZA Quest
- Successfully draw down a designated Tax Loan to unlock the Tax Loan VIP Zone1. Get an 80% off FX Spread Discount Coupon3 and a +4.05% 3-month USD Time Deposit New Funds Rate-up Coupon4!
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
| Instalment | Monthly Repayment Amount(HKD) | Interest(HKD) | Principal Amount(HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
1. On or before 15 December 2024, users who successfully draw down a Tax Loan of HKD 200,000 or above with a tenor of 36 months or above, and do not early settle the loan within the 7-day Cooling-off Period, will receive a lucky draw chance on 6 January 2025. Prizes are a tax rebate coupon of at least HKD 188 or a cash reward of up to HKD 100,000 ((user’s declared monthly income in the application × 12 - HKD 132,000) × 15%). Meanwhile, users can also enjoy an FX Spread Discount Coupon and a Time Deposit New Funds Rate-up Coupon from the Tax Loan VIP Zone. Terms and conditions apply.
2. The Annualised Percentage Rate ("APR") of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations 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.
3. The FX Spread Discount Coupon applies to currency exchange from HKD to USD. The minimum sell amount is HKD 78 and the minimum buy amount is USD 10. The maximum sell amount is HKD 7,850,000 and the maximum buy amount is USD 1,000,000. FX involves risks. Terms and conditions apply.
4. The Time Deposit New Funds Rate-up Coupon applies to a 3-month time deposit with USD new funds. The deposit amount is USD 1 – USD 130,000. Together with the current basic interest rate of 0.15% p.a., users can enjoy a total interest rate of 4.2% p.a. for a time deposit. Terms and conditions apply.
5. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
6. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
1. On or before 15 December 2024, users who successfully draw down a Tax Loan of HKD 200,000 or above with a tenor of 36 months or above, and do not early settle the loan within the 7-day Cooling-off Period, will receive a lucky draw chance on 6 January 2025. Prizes are a tax rebate coupon of at least HKD 188 or a cash reward of up to HKD 100,000 ((user’s declared monthly income in the application × 12 - HKD 132,000) × 15%). Meanwhile, users can also enjoy an FX Spread Discount Coupon and a Time Deposit New Funds Rate-up Coupon from the Tax Loan VIP Zone. Terms and conditions apply.
2. The Annualised Percentage Rate ("APR") of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations 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.
3. The FX Spread Discount Coupon applies to currency exchange from HKD to USD. The minimum sell amount is HKD 78 and the minimum buy amount is USD 10. The maximum sell amount is HKD 7,850,000 and the maximum buy amount is USD 1,000,000. FX involves risks. Terms and conditions apply.
4. The Time Deposit New Funds Rate-up Coupon applies to a 3-month time deposit with USD new funds. The deposit amount is USD 1 – USD 130,000. Together with the current basic interest rate of 0.15% p.a., users can enjoy a total interest rate of 4.2% p.a. for a time deposit. Terms and conditions apply.
5. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
6. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
1. On or before 15 December 2024, users who successfully draw down a Tax Loan of HKD 200,000 or above with a tenor of 36 months or above, and do not early settle the loan within the 7-day Cooling-off Period, will receive a lucky draw chance on 6 January 2025. Prizes are a tax rebate coupon of at least HKD 188 or a cash reward of up to HKD 100,000 ((user’s declared monthly income in the application × 12 - HKD 132,000) × 15%). Meanwhile, users can also enjoy an FX Spread Discount Coupon and a Time Deposit New Funds Rate-up Coupon from the Tax Loan VIP Zone. Terms and conditions apply.
2. The Annualised Percentage Rate ("APR") of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations 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.
3. The FX Spread Discount Coupon applies to currency exchange from HKD to USD. The minimum sell amount is HKD 78 and the minimum buy amount is USD 10. The maximum sell amount is HKD 7,850,000 and the maximum buy amount is USD 1,000,000. FX involves risks. Terms and conditions apply.
4. The Time Deposit New Funds Rate-up Coupon applies to a 3-month time deposit with USD new funds. The deposit amount is USD 1 – USD 130,000. Together with the current basic interest rate of 0.15% p.a., users can enjoy a total interest rate of 4.2% p.a. for a time deposit. Terms and conditions apply.
5. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
6. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
* Starting from 12:00 p.m. on 19 September 2024, ZA Bank’s Annual Percentage Rate (“APR”) for Instalment Loan will be reduced by 0.5% based on the APR as of 12:00 p.m. on 19 September 2024. For example, where the Instalment Loan amount is HKD 1,000,000, with a tenor of 12 months, the APR will be reduced from 1.80% to 1.30%. For reference APR and the details of this pricing adjustment for Instalment Loan, please refer to the ZA Bank App > Loans > Instalment Loan > Terms and Conditions > Promotional Terms and conditions. The APR may be updated from time to time due to market fluctuations. This pricing adjustment table of Instalment Loan as of 19 September 2024 is for reference only. If there are any updates, ZA Bank will not provide any further notifications. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
1. On or before 15 December 2024, users who successfully draw down a Tax Loan of HKD 200,000 or above with a tenor of 36 months or above, and do not early settle the loan within the 7-day Cooling-off Period, will receive a lucky draw chance on 6 January 2025. Prizes are a tax rebate coupon of at least HKD 188 or a cash reward of up to HKD 100,000 ((user’s declared monthly income in the application × 12 - HKD 132,000) × 15%). Meanwhile, users can also enjoy an FX Spread Discount Coupon and a Time Deposit New Funds Rate-up Coupon from the Tax Loan VIP Zone. Terms and conditions apply.
2. The Annualised Percentage Rate ("APR") of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations 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.
3. The FX Spread Discount Coupon applies to currency exchange from HKD to USD. The minimum sell amount is HKD 78 and the minimum buy amount is USD 10. The maximum sell amount is HKD 7,850,000 and the maximum buy amount is USD 1,000,000. FX involves risks. Terms and conditions apply.
4. The Time Deposit New Funds Rate-up Coupon applies to a 3-month time deposit with USD new funds. The deposit amount is USD 1 – USD 130,000. Together with the current basic interest rate of 0.15% p.a., users can enjoy a total interest rate of 4.2% p.a. for a time deposit. Terms and conditions apply.
5. The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
6. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.