1. In the 6-month period preceding loan application date, new customers should not have any unsecured loans and credit card debts at OCBC Wing Hang Credit and OCBC Wing Hang Bank Limited and its HK subsidiaries.

2. Annualized percentage rate ("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. The interest rate is calculated based on 365 days per year. Using a loan amount of HK$100,000 as an example, the monthly flat rates (APR) applicable to loan tenors of 12 months and 24 months are 0.28% (6.32%) and 0.28% (6.51%). OCBC Wing Hang Credit reserves the final decision on whether it may or may not be applicable to individual applications. Depending on the applicants' credit records and payment history, OCBC Wing Hang Credit reserves the right to evaluate or decline the applicants such promotion. Please contact our branch staff for detailed promotional terms and conditions.

3. Customers who successfully apply for this instalment loan can enjoy an annual 1% handling fee waiver. Should customers choose to make full repayment prior to the final repayment due date, they are subject to payment of the full amount of the handling fee previously waived and the charges to be paid to OCBC Wing Hang Credit in case of early repayment of the loan as specified in the Promissory Note.

The above loan plan is bound by the related terms and conditions. Loan amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of OCBC Wing Hang Credit Limited (“OCBC Wing Hang Credit”). OCBC Wing Hang Credit reserves all the final decision on deciding interest rates, amending the terms and conditions and approving loan and any abovementioned offers. Reference will be made to the applicant’s credit records and OCBC Wing Hang Credit reserves the right to reject the application without specifying any reasons. Meanwhile, OCBC Wing Hang Credit may amend, terminate or cancel the above offers and the related terms and conditions without prior notice. Should any disputes arise in connection with the above services, the interpretation and decision of OCBC Wing Hang Credit should be final.

The Chinese version is for reference only. In the event of any conflicts or discrepancies between the Chinese and English versions, the English version shall prevail.

For details or enquiries about the related terms and conditions, please contact us.

Notes to consider whether to make early repayment, please refer to "FAQ" of this website.