Our Personal Installment Loan helps you achieve your goals and manage your financial affairs with ease. Now you can apply via inMotion mobile app¹ anytime anywhere without address proof² and receive Instant preliminary approval result³

Features
How to Apply
FAQ
Terms and Conditions & KFS

Features

Annualized Percentage Rate⁴ as low as 1.90%⁵

Monthly flat rate as low as 0.001% （For every HK$10,000 of the loan amount, monthly interest is only HK$0.1）

50% Interest Rebate

The first 6 months Interest Rebate upon successful application and drawing down^6,7

High Loan Amount and Flexible Repayment

Loan amount as high as HK$2,000,000 or 18 times of your monthly salary（whichever is lower）
Flexible repayment period of 6 to 60 months

Instant preliminary approval

Residential proof waiver

Same-day fund disbursement⁸

Remarks:

This will be subject to the final approval result and for some occasional cases customer may need to visit branch and verify the true copies of the documents.
The waiver for the residential proof will be subject to the final approval result.
The preliminary approval result may not be available during system downtime or out of Transunion servicing hours.
The 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 and the respective APRs are rounded to the nearest two decimal places.
The APR 1.90% is calculated based on loan amount HK$1,000,000, loan tenor of 12 months and monthly flat rate of 0.001%, including a Handling Fee of 1% per annum.
Example:
For every HK$10,000, 12-month tenor and a monthly flat rate of 0.001%, the monthly interest will be HK$0.1 (Loan amount HK$ 10,000 X monthly flat rate 0.001% = monthly interest HK$0.1)
First 6 Months Interest Rebate Offer is only applicable for customers applying for and successfully drawing down the $mart Plus Personal Installment Loan with China CITIC Bank International Limited (the “Bank”) during the period from now to 31 October 2022 ("Promotion Period") via i-banking, inMotion Mobile App and corporate website with loan amount of HK$50,000 or above and repayment tenor of 48 months or above. For the offer and terms and condition, please refer to the “$mart Plus Personal Installment Loan – Promotional Terms and Conditions for First 6 Months Interest Rebate Offer”.
The amount of interest rebate (“Interest Rebate Amount”) is calculated based on the loan amount multiplied by the monthly flat rate and 6 Months of interest rebate tenor, and is rounded up to the nearest two decimals places. Interest Rebate Amount will be credited to Eligible Customer’s Personal Installment Loan account (“Loan Account”) before the repayment due date of the 15th instalment.Eligible Customers’ Loan Account must be valid and in good condition without any late payment or early repayment at the time the Interest Rebate is given, otherwise the Bank reserves the right to cancel the Interest Rebate.
Same-day fund disbursement service is applicable to customers who use CNCBI bank account for fund disbursement, and it 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.