100% Personal Loan Guarantee Scheme
Since we are optimising the application procedures and strengthening our risk management for the 100% Personal Loan Guarantee Scheme, new applications are temporarily suspended.
As a licensed financial institution in Hong Kong, ZA Bank will adopt relevant measures to protect users' personal information and assets through ongoing enhancement of the security and anti-fraud policies.
For enquiries, please call our Customer Service hotline on 3665 3665 or get in touch with us in the ZA Bank App.
Eligibility and required documents
Holder of Hong Kong permanent identity card aged 18 or above
Unemployed for at least 2 months from application date
Employed for at least 3 months in-between Jan 2020 and Feb 2021
Must not be undischarged bankrupts nor subject to any bankruptcy petition or proceedings at the time of loan application.
Shall maintain a valid ZA Bank account or eligible to open one
Customers can choose to enjoy a 12-month long principal repayment holiday, and repay only the interest during the period of time.
| Loan amount | Total tenor | Principal Repayment holiday (12 months) | Monthly repayment in first 12 months | Monthly repayment from 13th to 72nd months | After all repayments |
|---|---|---|---|---|---|
| HKD 80,000 | 72 months | √ | HKD 66.67 | HKD 1,367.29 | All interest will be rebated |
| X | HKD 1,145.24 | HKD 1,145.24 |
[ 1 ] The APR is calculated using method specified in relevant guidelines issued by the Hong Kong Associations of Banks. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualized rate.