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Key Facts Statement for $mart Plus Personal Installment Loan
From now till 31 March 2024, customers apply for and successfully drawdown with $mart Plus Tax Season Loan to enjoy the following offers.
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APR as low as1.65%1
Up to
HK$18,800rewards2
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Flexible repayment tenor of
6-60 months
Loan amount as high as
HK$2,000,000
or 18 times
of your monthly salary
(whichever is lower)
1 minute
preliminary approval3
&
Same-day fund disbursement4
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Or
Take a few steps to complete
application via inMotion
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Application in other ways:
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Above offer is subject to relevant terms and conditions.
To borrow or not to borrow? Borrow only if you can repay!
Remarks:
1.
The Annualized Percentage Rate (“APR”) is calculated in accordance with the practices and methods set out in the relevant guidelines issued by the Hong Kong Association of Banks. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges expressed as an annualized rate. The respective APRs are rounded to the nearest two decimal places. The APR 1.65% is calculated based on loan amount HK$2,000,000, loan tenor of 12 months and monthly flat rate of 0.032%, including a handling fee of 0.5% per annum. The preferential interest rate is only applicable to customers who have a valid China CITIC Bank International PAYROLLplus Account upon loan drawdown. If you do not have a PAYROLLplus Account upon loan application, you may immediately open a bank account and register PAYROLLplus Account via inMotion App. The examples are for reference only. The APR will be determined based on the customer's credit rating and other relevant loan approval factors, and the bank reserves the final discretion to approve the loan application and to determine the applicable interest rate and handling fee.
2.
The APR of this promotion ranges from 1.65% to 35.99%.
3.
From now until 31 March 2024, customers who apply for and successfully draw down designated loan amount with repayment tenor shall be entitled to relevant rewards, including up to HK$14,800 Cash Rebate for applications submitted via e-Channels; up to extra HK$3,000 Cash Rebate for PAYROLLplus account holders; and up to extra HK$1,000 Credit Card Spending Credit for eligible CNCBI credit card customers. The maximum reward amount is HK$18,800. For details, please refer to “$mart Plus Personal Installment Loan - Promotional Terms and Conditions for up to HK$18,800 Rewards”.
4.
Preliminary approval service only applies to Monday to Friday from 9:00 am to 11:45 pm, Saturday from 9:00 am to 9:45 pm, Sunday and public holidays from 12:00 noon to 8:45 pm. For loan applications that meet relevant approval requirements, applicants will be informed on the preliminary approval result as soon as 1 minute. The processing of loan application starts when all the required information is successfully input into the Bank's system, while the actual processing time required may vary for each individual case. Please note that the preliminary approval result is for reference only, and the Bank reserves the right to decide (in its sole and absolute discretion) whether to decline or approve any application for a Loan.
5.
Same-day fund disbursement service only applies to our Bank's service hours (Monday to Friday from 9:00 am to 8:00 pm and except Saturday, Sunday and public holidays). The processing time starts when the approved loan is confirmed with the Bank. For fund disbursement for non-CNCBI bank account, settlement will depend on the handling of receiving financial institution.
6.
Please note that it do not appoint any third parties to refer applications to the Bank and will not process any application that was referred by a third party.

If you do not wish to receive any marketing or promotional materials from the Bank in the future, you may at any time make the request without charge by calling (852) 2287 6767 or using the form at https://www.cncbinternational.com/contact-us/en/. The Bank's staff will call you to confirm the arrangement if you submit such request online.

Terms and Conditions for $mart Plus Personal Installment Loan and General Terms and Conditions
Promotional Terms and Conditions for $mart Plus Personal Installment Loan - up to HK$18,800 Rewards
FAQs for $mart Plus Personal Installment Loan
Download inMotion now!
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Hyperlink Policy

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The Bank does not have any control (editorial or otherwise) over the linked third party website and is not in any way responsible for the contents available therein. You use or follow this link at your own risk. To the extent permissible by law, the Bank shall not be responsible for any damage or losses incurred or suffered by you arising out of or in connection with your use of the link.
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