Terms and Conditions apply.To borrow or not to borrow? Borrow only if you can repay.
Enjoy an APR as low as 1.80%1 with NO handling fee for early settlement after 3 months2.
The Tax Loan for EVERYONE
Stay FLEXIBLY PLANNED!
Terms and Conditions：General Account Opening Terms and Conditions | Instalment Loan Terms and Conditions
[1] The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.0845%, and only applicable for designated loan amount and tenors. Please refer to the interest rate & monthly repayment table shown during 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.
[2] Upon successful drawdown of Tax Loan on or before 15 Jan 2023 and repayment of the first 3 instalments, user can settle the loan in full early in the remaining tenor with waiver of Early Settlement Fee. Terms and conditions apply.
[3] 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 by applying via ZA Bank website 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 “Loan” tab after logging into ZA Bank App. The final approved interest rate and loan amount may vary depending on the individual circumstances and the final assessment of the bank.
[4] For instalment loan, the lowest and highest tenor are 6 months and 60 months respectively.
Entire application goes online
APR as low as 1.80%1
It’s all about SPEED!
APR as low as 1.80%[1]
You can settle the loan early starting from the 4thmonth with $0 handling fee2- Managing your finance can’t be easier!
No strings attached for early settlement after 3 months
- You can enjoy APR of 1.80% when you are successfully approved for a Tax Loan of HKD 1,000,000 with 6 – 12 months tenor. The preferential interest rate is subject to the final approval of the bank.
- You may early repay your Tax Loan (including the remaining principal, plus the accrued but unpaid interest for the instalment that you make early settlement, plus any other sum due to us) in full, but not part of it at any time, by making a request via ZA Bank App. If you wish to repay within 3 months after drawdown, we will also charge you an Early Settlement Fee of 2% of the outstanding principal amount. Upon successful drawdown of Tax Loan on or before 15 Jan 2023 and repayment of the first 3 instalments, you can settle the loan in full early in the remaining tenor with waiver of Early Settlement Fee. Terms and conditions apply.
- No. A bank saving account will be created upon your loan drawdown for a new bank customer, which will be used for fund disbursement and monthly repayment.
FAQ
Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay.
Enjoy an APR as low as 1.80%1 with NO handling fee for early settlement after 3 months2.
The Tax Loan for EVERYONE.
Stay flexibly planned !
Terms and Conditions：General Account Opening Terms and Conditions |Instalment Loan Terms and Condition
[1] The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example, where the loan amount is HKD1,000,000, with repayment tenor of 12 months and monthly flat rate 0.0845%, and only applicable for designated loan amount and tenors. Please refer to the interest rate & monthly repayment table shown during 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.
[2] Upon successful drawdown of Tax Loan on or before 15 Jan 2023 and repayment of the first 3 instalments, user can settle the loan in full early in the remaining tenor with waiver of Early Settlement Fee. Terms and conditions apply.
[3] 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 by applying via ZA Bank website 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 “Loan” tab after logging into ZA Bank App. The final approved interest rate and loan amount may vary depending on the individual circumstances and the final assessment of the bank.
[4] For instalment loan, the lowest and highest tenor are 6 months and 60 months respectively.
Entire application goes online
APR as low as 1.80%[1]
It’s all about SPEED!
APR as low as 1.80%1
No strings attached for early settlement after 3 months
- You can enjoy APR of 1.80% when you are successfully approved for a Tax Loan of HKD 1,000,000 with 6 – 24 months tenor. The preferential interest rate is subject to the final approval of the bank.
- You may early repay your Tax Loan (including the remaining principal, plus the accrued but unpaid interest for the instalment that you make early settlement, plus any other sum due to us) in full, but not part of it at any time, by making a request via ZA Bank App. If you wish to repay within 3 months after drawdown, we will also charge you an Early Settlement Fee of 2% of the outstanding principal amount. Upon successful drawdown of Tax Loan on or before 15 Jan 2023 and repayment of the first 3 instalments, you can settle the loan in full early in the remaining tenor with waiver of Early Settlement Fee. Terms and conditions apply.
- No. A bank saving account will be created upon your loan drawdown for a new bank customer, which will be used for fund disbursement and monthly repayment.
FAQ