Personal Loan


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(+852) 2536 0909

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Personal Loan

OCBC Wing Hang Credit, financing your dream as your essential life partner!

● Smart Tip - Key Facts Statement, Terms and Conditions


Preferential low interest rate

Monthly Flat Rate as low as 0.055%1.

High loan amount

Loan amount can be as high as $1,800,000 or 18 times of monthly salary (whichever is lower).

Long repayment tenor

Repayment tenor can be as long as 60 months.

Interest Rate Table

PL Rate Table EN 12032020




Application Hotline :

(+852) 2536 0909


Other Special Personal Loan to meet your different needs

"60-Day Interest-free Payment Holiday" Personal Loan2



"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.

"Fit for all" Personal Loan3




New customers are offered with handling fee waiver.



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 Personal 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.


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. 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 and has been corrected to 2 decimal places. APR is calculated by using loan amount HK$25,000, HK$50,000, HK$100,000, HK$500,000 and HK$800,000 with loan tenor of 12 months and 36 months, and handling fee 1% p.a. upfront collected. The interest is calculated based on 365 days per year. The example is for reference only. APR may differ due to different loan amount and tenor. The APR ranged from 3.12% to 48% generally and flexible repayment period of 12 to 60 months, the approval of the final interest rate, loan amount and repayment period is subject to the financial condition of the customer. For details, please contact the staff of the Company.


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 Borrower 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 Borrower draws the loan on 3 July 2017, Borrower can enjoy the 60-Day Interest-free Payment Holiday in the period from 3 July 2017 to 3 September 2017. The first repayment date will be 3 October 2017. If Borrower makes full early settlement within the period from 3 July 2017 to 3 September 2017, 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.


3. "Fit for all" Personal Loan

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. 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.


Customers who are entitled with the offer of Personal 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.

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