Dream constitutes ideal life. Different needs arise at different life stages. OCBC Credit supports you to realize your dream continuously, and takes care of what you need anytime. We are also a witness of your every important moment! Our dedicated customer service officers will follow-up your personal loan application.
New Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$7,000 rewards
APR as low as 1.88%
Maximum loan amount can be as high as HK$2,000,000 or 20 times of monthly salary (whichever is lower)
Long repayment tenor as long as 60 months
Central: (+852) 2201 7800
North Point: (+852) 2201 7822
Wanchai: (+852) 2201 7799
Tsim Sha Tsui: (+852) 2201 7900
Kwun Tong: (+852) 2201 7878
Prince Edward: (+852) 2201 7866
Tsuen Wan: (+852) 2201 7988
Tai Po: (+852) 2201 7966
Kwai Fong: (+852) 2201 7933
"60-Day Interest-free Payment Holiday" Personal Loan gives you $0 interest for first 60 days and within the Interest-free Payment Holiday, no penalty will be charged for full loan repayment.
Notes regarding the Personal Loan:
1. 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. The APR ranged from 3.30% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. 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. If the loan amount is $1,500,000, the monthly flat rate for 12 months is 0.063%, if the loan is approved finally by the Company, the APR for 12 months is 3.30%, with a handling fee of 1% per annum included, the total loan repayment amount is HK$1,500,000. The loan handling fee is to be paid in full upon loan drawdown. The interest rate is calculated based on 365 days per year. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
2. "60-Day Interest-free Payment Holiday" Personal Loan
During the period between the date of drawdown of the Loan and one calendar month before the First Repayment Date (“60-Day Interest-free Payment Holiday”), the Customer can repay the Company the full amount of Loan in one lump sum at any time, together with the relevant handling fee. Interest for a period of up to 60-Day and early repayment penalty or fees (except the handling fee) shall be waived. Partial prepayment of the Loan is not permissible. E.g. If Customer draws the loan on 5 July 2021, Customer can enjoy the 60-Day Interest-free Payment Holiday in the period from 5 July 2021 to 5 September 2021. The first repayment date will be 5 October 2021. If Customer makes full early settlement within the period from 5 July 2021 to 5 September 2021, not only the privilege of Interest-free Payment Holiday can be enjoyed but also the early settlement penalty can be waived. In case of any early repayment after the 60-Day Interest-free Payment Holiday, interest, early repayment penalty and other fees will be charged and calculated as specified in the Promissory Note and the Loan Terms and Conditions. If full early repayment is not made during the 60-Day Interest-free Payment Holiday, interest will be charged and calculated from one calendar month before the First Repayment Date. For loan tenor 12 months or below, the handling fee is 1.5% per annum. For loan tenor above 12 months, the handling fee is 1% per annum. The handling fee for the entire loan tenor is payable upon loan confirmation.
"60-Day Interest-free Payment Holiday" Personal Loan - Key Facts Statement
3. The promotion period of the "Up to HKD6,500 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 1 December 2023 to 31 March 2024, both dates inclusive (“Promotion Period”).
4. It comprises the total sum of up to HK$6,500 Cash Rebate and $500 Apple Store Gift Card under the Promotion.
The above loan product and offer are bound by the applicable terms and conditions. Please contact the staff of the Company for details.
OCBC Credit (Hong Kong) Limited (“Company”) is the wholly-owned subsidiary of OCBC Bank (Hong Kong) Limited. The Company is the entity which processes the application of the Personal Loan and provides the loan and related services. Customer can submit application through the branches of the Company and OCBC Bank (Hong Kong) Limited . To enquire the relevant terms and conditions, please contact the staff of the Company.
Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.
For details or enquiries about the related terms and conditions, please contact us.
To borrow or not to borrow? Borrow only if you can repay!