Balance Transfer Personal Loan
One Step To Consolidate The Debts
Supporting Your Life Goal
Balance Transfer Personal Loan
Relieve credit card pressure and consolidate repayment! Balance Transfer Instalment Loan can let you consolidate your debts into one loan, reduce unnecessary interest payment and clear your credit card debts in one lump sum! Our dedicated customer service officers will follow-up your loan application.
● Smart Tip - Key Facts Statement, Terms and Conditions, Reminders about Responsible Borrowing , “Up to HKD6,000 Cash Rebate promotion” Terms and conditions , “Apple Store Gift Card Offer” Terms and conditions
New Customer who successfully applied and drawdown the loan via Online to enjoy up to HK$6,500 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
Required Documents for Loan Application
- Personal Identification Document: HKID card or passport
- Income Proof: Recent pay slip, your bank statement or bank book (with your name and account number) showing your recent income, your recent income tax bill, proof of your last MPF contribution, employment letter or contract, etc.
- Address Proof: Recent bank statement, credit card statement, water bill, telephone bill etc. If your address is shown on your income proof, you will be exempted from submitting the address proof.
- Other documents (if necessary)
- For more details, please click here
Hong Kong
Central: (+852) 2201 7800
North Point: (+852) 2201 7822
Wanchai: (+852) 2201 7799
Kowloon
Tsim Sha Tsui: (+852) 2201 7900
Kwun Tong: (+852) 2201 7878
Prince Edward: (+852) 2201 7866
New Territories
Tsuen Wan: (+852) 2201 7988
Tai Po: (+852) 2201 7966
Kwai Fong: (+852) 2201 7933
Notes regarding the Balance Transfer 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 1.88% 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%, if the loan is approved finally by the Company, the APR for 12 months is 1.88%, 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. The promotion period of the "Up to HKD6,000 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 1 September 2023 to 30 November 2023, both dates inclusive (“Promotion Period”).
3. It comprises the total sum of up to HK$6,000 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 Balance Transfer Personal Loan and provides the loan and related services. Customers can submit applications through the branches of the Company and OCBC Bank (Hong Kong) Limited . To enquire about 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!
