Your wealth = your APR reduction!
From now until 20 Jan 2026, apply for the designated Tax Loan and pick a monthly average total account balance target. Simply hit your target after drawdown to unlock a rate drop — potentially to 0%1！
Loan approval + App install = Prize#
Loan approval + App install = Prize#
2025 / 26 Tax Loan offers
Hit your total account balance target = a loan with a rate as low as 0%
- During the promotional period, when applying for the Tax Loan with a loan amount of HKD 200,000 or above and a tenor of 12 months or above, select "APR reduced by up to 3.99%"2 and choose your desired monthly average total account balance target before the loan drawdown. Afterwards, reach the target to reduce your APR — potentially to 0%1!
How do I reach my total account balance target?
- Easy! Simply use the ZA Bank services below to reach your target effortlessly while potentially growing your wealth:
1. Savings (incl. savings account, time deposits, and Savings Pot)
2. Funds
3. HK & US stocks
4. Crypto
Can't do the math? No worries! Track your target and see whether you have reached it under My Loans after the drawdown.
2025 / 26 Tax Loan offers
Hit your total account balance target = a loan with a rate as low as 0%
- During the promotional period, when applying for the Tax Loan with a loan amount of HKD 200,000 or above and a tenor of 12 months or above, select "APR reduced by up to 3.99%"2 and choose your desired monthly average total account balance target before the loan drawdown. Afterwards, reach the target to reduce your APR — potentially to 0%1!
How do I reach my total account balance target?
- Easy! Simply use the ZA Bank services below to reach your target effortlessly while potentially growing your wealth:
1. Savings (incl. savings account, time deposits, and Savings Pot)
2. Funds
3. HK & US stocks
4. Crypto
Can't do the math? No worries! Track your target and see whether you have reached it under My Loans after the drawdown.
2025 / 26 Tax Loan offers
Hit your total account balance target = a loan with a rate as low as 0%
- During the promotional period, when applying for the Tax Loan with a loan amount of HKD 200,000 or above and a tenor of 12 months or above, select "APR reduced by up to 3.99%"2 and choose your desired monthly average total account balance target before the loan drawdown. Afterwards, reach the target to reduce your APR — potentially to 0%1!
How do I reach my total account balance target?
- Easy! Simply use the ZA Bank services below to reach your target effortlessly while potentially growing your wealth:
1. Savings (incl. savings account, time deposits, and Savings Pot)
2. Funds
3. HK & US stocks
4. Crypto
Can't do the math? No worries! Track your target and see whether you have reached it under My Loans after the drawdown.
2025 / 26 Tax Loan offers
Hit your total account balance target = a loan with a rate as low as 0%
- During the promotional period, when applying for the Tax Loan with a loan amount of HKD 200,000 or above and a tenor of 12 months or above, select "APR reduced by up to 3.99%"2 and choose your desired monthly average total account balance target before the loan drawdown. Afterwards, reach the target to reduce your APR — potentially to 0%1!
How do I reach my total account balance target?
- Easy! Simply use the ZA Bank services below to reach your target effortlessly while potentially growing your wealth:
1. Savings (incl. savings account, time deposits, and Savings Pot)
2. Funds
3. HK & US stocks
4. Crypto
Can't do the math? No worries! Track your target and see whether you have reached it under My Loans after the drawdown.
ZA Bank Tax Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Fees & Charges
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy a marketing-beating APR
Regardless of the market situation, we're dedicated to offering you an attractive APR4.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Tax Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Fees & Charges
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy a marketing-beating APR
Regardless of the market situation, we're dedicated to offering you an attractive APR4.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Tax Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy a marketing-beating APR
Regardless of the market situation, we're dedicated to offering you an attractive APR4.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
ZA Bank Tax Loan
A loan unlocks HKD 1,000,000 funds³ with 4 steps of application
Get a loan amount up to HKD 1,000,000
We have prepared HKD 1,000,0003 for you to solve your cash flow issue anytime.
Enjoy a marketing-beating APR
Regardless of the market situation, we're dedicated to offering you an attractive APR4.
Get your approval result in 90s
New customers can get a preliminary approval result in 90 seconds5.
Get approved 24 x 7
We review and approve your application 24 x 7 to get your loan as fast as possible.
Get your loan via one app
You can get your loan, from application to drawdown, via the ZA Bank app anytime.
Repayment calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
：--%
APR (%)
：--%
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The result from repayment calculator is for reference only.
- The actual result that will apply will be based on the customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
- The APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
- Assuming the loan amount is HKD 200,000, the tenor is 24 months, the APR is 4.09%, and the monthly flat rate is 0.18%, the total repayment amount will be HKD 208,467.20 (principal amount HKD 200,000 + interest HKD 8,467.20).
Repayment calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
：--%
APR (%)
：--%
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Note:
- The result from repayment calculator is for reference only.
- The actual result that will apply will be based on the customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
- The APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
- Assuming the loan amount is HKD 200,000, the tenor is 24 months, the APR is 4.09%, and the monthly flat rate is 0.18%, the total repayment amount will be HKD 208,467.20 (principal amount HKD 200,000 + interest HKD 8,467.20).
Repayment calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
：--%
APR (%)
：--%
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Note:
- The result from repayment calculator is for reference only.
- The actual result that will apply will be based on the customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
- The APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
- Assuming the loan amount is HKD 200,000, the tenor is 24 months, the APR is 4.09%, and the monthly flat rate is 0.18%, the total repayment amount will be HKD 208,467.20 (principal amount HKD 200,000 + interest HKD 8,467.20).
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment calculator
Loan amount (HKD)
Loan amount (HKD)
Loan amount (HKD)
1,000,000
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
：--%
APR (%)
：--%
Monthly repayment ammount (HKD)
--
Monthly flat rate (%)
--%
APR (%)
--%
Note:
- The result from repayment calculator is for reference only.
- The actual result that will apply will be based on the customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
- The APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
- Assuming the loan amount is HKD 200,000, the tenor is 24 months, the APR is 4.09%, and the monthly flat rate is 0.18%, the total repayment amount will be HKD 208,467.20 (principal amount HKD 200,000 + interest HKD 8,467.20).
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Repayment table
| Instalment | Monthly repayment ammount (HKD) | Interest (HKD) | Principal amount (HKD) |
|---|---|---|---|
| -- | -- | -- | -- |
Complete the loan application in 4 steps
1
Fill in your information
2
Receive your preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive your preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive your preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Complete the loan application in 4 steps
1
Fill in your information
2
Receive your preliminary approval result
3
Provide more information and upload documents
4
Loan confirmation and disbursement
Eligibility and required documents
Eligibility
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
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
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
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 Jan 2026, users who apply for Tax Loan 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 APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
2. From now until 20 Jan 2026, when applying for a Tax Loan of HKD 200,000 or above with a tenor of 12 months or above, users who select the “APR reduced by up to 3.99%” and pass the final approval can choose his / her target average total account balance for each calendar month during the tenor and its corresponding annualised percentage rate reduction from one of the options below on the loan agreement confirmation page:
(i) Account balance of HKD 1,000,000 or above: APR reduced by 3.99%;
(ii) Account balance of HKD 800,000 or above: APR reduced by 2.99%;
(iii) Account balance of HKD 400,000 or above: APR reduced by 1.99%; or
(iv) Account balance of HKD 200,000 or above: APR reduced by 0.99%.
Once user confirms the loan agreement, the target amount cannot be changed.
Average total account balance is the sum of the Hong Kong dollar equivalent of the following 5 items in each calendar month, and divided by the number of days in that calendar month:
(i) The total amount of deposits (namely the savings account, time deposits and Savings Pot) at the end of every day;
(ii) The total amount of funds at the end of every day;
(iii) The total assets of HK stocks at the end of every day;
(iv) The total asset of US stock at 9:00 PM every day; and
(v) The total asset of crypto at the end of every day.
The average total account balance is calculated on a calendar month basis, starting from the 1st day of each month until 11:59:59 PM on the last day of that month.
User must pay the interest based on the original annualised percentage rate and loan agreement every month. If the target amount for that month is reached, the user will earn an interest rebate on the 8th day of the following calendar month. The interest rebate is the interest difference calculated with reference to the annualised percentage rate reduction selected by the user (i.e. subtracting the total interest payable after the promotional reduction from the total interest payable under the original loan terms), and then distributed equally across each repayment month. 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 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.
5. 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.
# From today until 31 Jan 2026, users who apply for Tax Loan 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 APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
2. From now until 20 Jan 2026, when applying for a Tax Loan of HKD 200,000 or above with a tenor of 12 months or above, users who select the “APR reduced by up to 3.99%” and pass the final approval can choose his / her target average total account balance for each calendar month during the tenor and its corresponding annualised percentage rate reduction from one of the options below on the loan agreement confirmation page:
(i) Account balance of HKD 1,000,000 or above: APR reduced by 3.99%;
(ii) Account balance of HKD 800,000 or above: APR reduced by 2.99%;
(iii) Account balance of HKD 400,000 or above: APR reduced by 1.99%; or
(iv) Account balance of HKD 200,000 or above: APR reduced by 0.99%.
Once user confirms the loan agreement, the target amount cannot be changed.
Average total account balance is the sum of the Hong Kong dollar equivalent of the following 5 items in each calendar month, and divided by the number of days in that calendar month:
(i) The total amount of deposits (namely the savings account, time deposits and Savings Pot) at the end of every day;
(ii) The total amount of funds at the end of every day;
(iii) The total assets of HK stocks at the end of every day;
(iv) The total asset of US stock at 9:00 PM every day; and
(v) The total asset of crypto at the end of every day.
The average total account balance is calculated on a calendar month basis, starting from the 1st day of each month until 11:59:59 PM on the last day of that month.
User must pay the interest based on the original annualised percentage rate and loan agreement every month. If the target amount for that month is reached, the user will earn an interest rebate on the 8th day of the following calendar month. The interest rebate is the interest difference calculated with reference to the annualised percentage rate reduction selected by the user (i.e. subtracting the total interest payable after the promotional reduction from the total interest payable under the original loan terms), and then distributed equally across each repayment month. 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 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.
5. 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.
# From today until 31 Jan 2026, users who apply for Tax Loan 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 APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
2. From now until 20 Jan 2026, when applying for a Tax Loan of HKD 200,000 or above with a tenor of 12 months or above, users who select the “APR reduced by up to 3.99%” and pass the final approval can choose his / her target average total account balance for each calendar month during the tenor and its corresponding annualised percentage rate reduction from one of the options below on the loan agreement confirmation page:
(i) Account balance of HKD 1,000,000 or above: APR reduced by 3.99%;
(ii) Account balance of HKD 800,000 or above: APR reduced by 2.99%;
(iii) Account balance of HKD 400,000 or above: APR reduced by 1.99%; or
(iv) Account balance of HKD 200,000 or above: APR reduced by 0.99%.
Once user confirms the loan agreement, the target amount cannot be changed.
Average total account balance is the sum of the Hong Kong dollar equivalent of the following 5 items in each calendar month, and divided by the number of days in that calendar month:
(i) The total amount of deposits (namely the savings account, time deposits and Savings Pot) at the end of every day;
(ii) The total amount of funds at the end of every day;
(iii) The total assets of HK stocks at the end of every day;
(iv) The total asset of US stock at 9:00 PM every day; and
(v) The total asset of crypto at the end of every day.
The average total account balance is calculated on a calendar month basis, starting from the 1st day of each month until 11:59:59 PM on the last day of that month.
User must pay the interest based on the original annualised percentage rate and loan agreement every month. If the target amount for that month is reached, the user will earn an interest rebate on the 8th day of the following calendar month. The interest rebate is the interest difference calculated with reference to the annualised percentage rate reduction selected by the user (i.e. subtracting the total interest payable after the promotional reduction from the total interest payable under the original loan terms), and then distributed equally across each repayment month. 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 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.
5. 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.
# From today until 31 Jan 2026, users who apply for Tax Loan 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 APR of as low as 0.00% is calculated based on the following assumptions:
(i) User is successfully approved for a Tax Loan of HKD 1,000,000 with a tenor of 12 months and APR of 3.99%;
(ii) User participates in this Tax Loan offer and chooses the target for reducing the APR by 3.99%; and
(iii) User makes timely repayments, reaches the monthly average total account balance target, and gets all interest rebates throughout the entire tenor.
2. From now until 20 Jan 2026, when applying for a Tax Loan of HKD 200,000 or above with a tenor of 12 months or above, users who select the “APR reduced by up to 3.99%” and pass the final approval can choose his / her target average total account balance for each calendar month during the tenor and its corresponding annualised percentage rate reduction from one of the options below on the loan agreement confirmation page:
(i) Account balance of HKD 1,000,000 or above: APR reduced by 3.99%;
(ii) Account balance of HKD 800,000 or above: APR reduced by 2.99%;
(iii) Account balance of HKD 400,000 or above: APR reduced by 1.99%; or
(iv) Account balance of HKD 200,000 or above: APR reduced by 0.99%.
Once user confirms the loan agreement, the target amount cannot be changed.
Average total account balance is the sum of the Hong Kong dollar equivalent of the following 5 items in each calendar month, and divided by the number of days in that calendar month:
(i) The total amount of deposits (namely the savings account, time deposits and Savings Pot) at the end of every day;
(ii) The total amount of funds at the end of every day;
(iii) The total assets of HK stocks at the end of every day;
(iv) The total asset of US stock at 9:00 PM every day; and
(v) The total asset of crypto at the end of every day.
The average total account balance is calculated on a calendar month basis, starting from the 1st day of each month until 11:59:59 PM on the last day of that month.
User must pay the interest based on the original annualised percentage rate and loan agreement every month. If the target amount for that month is reached, the user will earn an interest rebate on the 8th day of the following calendar month. The interest rebate is the interest difference calculated with reference to the annualised percentage rate reduction selected by the user (i.e. subtracting the total interest payable after the promotional reduction from the total interest payable under the original loan terms), and then distributed equally across each repayment month. 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 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.
5. 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.
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