Notes regarding the “Standardized-Rate” Personal Loan:

1. The APR ranged from 1.70% to 48% 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 $1,000,000, the monthly flat rate for 12 months and 24 months is 0%, if the loan is approved finally by the Company, the APR for 12 months and 24 months is 1.70%, with a handling fee of 0.92% and 0.885% per annum included, the total loan repayment amount is HK$1,009,200 and HK$1,017,720. The loan handling fee is added onto the loan amount and paid together with the monthly repayments. The interest rate is calculated based on 365 days per year. Example is for reference only.  The APR and handling fee may differ with different loan amounts and tenors.  For details, please contact our staff.

2. Successful Application Offer (“Promotion”): 

i) The promotion period of the “Standardized-Rate” offer is from now till 30 September 2022, both dates inclusive (“Promotion Period”). New customers who successfully apply and drawdown the loan of HK$100,000 or above with a loan tenor of 6 months to 60 months during the promotion period is entitled to the “Standardized-Rate” Personal Loan APR as low as 1.70%. For the other personal loan promotion, please refer to the website at https://www.ocbcwhcr.com/o/en/home/index.html

ii) New customers who successfully apply the loan online during the Promotion Period and subsequently draw down the approved Loan will be entitled to HK$300 supermarket cash coupons (“Coupons”)

3. If the Loan application cannot fulfil the credit requirement of the "Standardized Rate" personal loan, the Company may still process your application on a case-by-case basis, but the interest rate, handling fee, repayment period and/or promotional offer may be adjusted.

4. The offer is subject to a quota and is available on a first-come, first-served basis. The Company reserves the right of final decision.

The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Company for details. 

OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank 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 Wing Hang Bank 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!