Decoration Loan


Application Hotline:

(+852) 2638 8896

Online Loans Enquiry

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Create Your Dream House

With sufficient extra cash to redesign, decorate and purchase new furniture and appliances, you can finally kick off the home makeover plan.

● Smart Tip - Key Facts Statement, Terms and Conditions

High loan amount

Loan amount can be as high as $1,200,000

Long repayment tenor

Repayment tenor can be as long as 60 months

Super low interest rate



Application Hotline :

(+852) 2638 8896

Note :

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 Decoration Loan and provides related loan 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.


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.Applicable to a repayment tenor of 12, 24, 36, 48 and 60 months, the APR is 5.77%, 6.25%, 7.77%, 8.77% and 9.96% respectively with a loan amount of HK$100,000 and the each monthly flat rate stated above. The APR has been corrected to 2 decimal places with a handling fee of 1% per annum included.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.

Customers who are entitled with the offer of Decoration Loan (the "Offer") and the Promotion are bound by the terms and conditions of this program, related loan application form and loan documents. Please contact the staff of OCBC Wing Hang Credit for details and enquiries of related terms and conditions and charges details. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to individual applicant may be different and is based on the final approval status of OCBC Wing Hang Credit, please contact the staff of OCBC Wing Hang Credit for details and enquiries. The Company reserves the right to amend, extend, terminate or cancel the Promotion and amend the terms and conditions at any time without prior notice. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation,which shall be final, conclusive and binding on all.

The English version shall prevail if there is any inconsistency between the English and Chinese versions.

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

Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.

For more details or enquiries, please visit our branches, or contact us.

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