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Dollar$mart Installment Loan – Debt Consolidation

CITIC<em>first</em> Standby Secured Overdraft Facility
Privileged interest rate P-3% p.a.
Utilize your different assets to create liquidity

Dollar$mart Personal Installment Loan – Debt Consolidation helps you better manage your credit card outstanding and loans in one consolidated solution with saving interest expenses substantially.

• Loan amount up to 21 times of your monthly salary or HK$1,200,000¹ (whichever is lower)
• Cash out up to 6 times of monthly salary for your financial flexibility
• Loan tenor as long as 84 months¹
• Personalized interest rate

Saving interest example:
CITIC<em>first</em> Standby Secured Overdraft Facility
Privileged interest rate P-3% p.a.
Utilize your different assets to create liquidity

Remarks:
1. China CITIC Bank International Limited (“The Bank”) reserves the right to determine the final approved amount, loan tenor and applicable fee rate in accordance with individual customer’s record.
2. This example is calculated based on loan amount of HK$20,000, an annual interest rate of 30% (Annualized Percentage Rate (APR) 34.49%) charged by general credit card and a monthly repayment of all fees and charges billed to the credit card followed by 1% of the credit card outstanding balance or HK$50 (whichever is higher) over a 318 months repayment period. The average monthly repayment amount quoted above is calculated based on the first 3 installments and is rounded to the nearest dollar. The APR is calculated using Net Present Value Method in accordance with the Code of Banking Practice, and is rounded up to the nearest two decimal places.
3. This example is calculated based on loan amount of HK$20,000, monthly fee 0.237% (APR 7.65%) and loan tenor of 60 months. The APR is calculated using Net Present Value Method in accordance with the Code of Banking Practice, including a handling fee of 1% p.a. and rounded up to the nearest two decimal places. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar.
4. The Bank reserves the right of final decision in respect of all applications and approvals of Debt Consolidation and is under no obligation to provide reason. For the product details, please refer to the related product terms and conditions.

The above example is for reference only. The Bank reserves the right to amend, suspend or cancel any of the above promotional terms and conditions at any time. In case of any disputes, the decision of the Bank shall be final.

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Terms & Conditions for Dollar$mart Installment Loan - Debt Consolidation
Promotional Terms & Conditions for Dollar$mart Installment Loan - Debt Consolidation

Key Facts Statement