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Debt Consolidation

Beat Credit Card Debt

It has never been easier to pay off all your outstanding debts in one simple loan

Successfully apply for $mart Plus Personal Installment Loan – Debt Consolidation, you can enjoy our fabulous offers:

High Loan Amount

Loan amount as high as HK$2,000,000 or 21 times of your monthly salary(whichever is lower)
Cash out up to 8 times of monthly salary for your financial flexibility

Flexible Repayment

Flexible repayment period of 12 to 72 months
Personalized interest rate

Why Choose This Loan

You can manage your various loans in one step and rebuild your personal credit record.
Our Debt Consolidation Specialist analyzes your financial situation and tailor-made with a flexible loan transfer plan to you
What's more, your cash flow becomes smoother and easier to handle

Interest Saving Example

Please call 2280 1833 for assistance

Limited-Time Offer⁶

Successful Drawdown Reward (Fulfill designated conditions) : Enjoy Double Up Cash Rebate Offer (Up to HK$13,800)

Remarks:

China CITIC Bank International Limited (“The Bank”) reserves the right to determine the final approved amount, loan tenor and applicable interest rate in accordance with individual customer’s record.
This example is calculated based on loan amount of HK$19,000, 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$250 (whichever is higher) over a 150-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3 installments and is rounded to the nearest dollar.
This example is calculated based on loan amount of HK$20,000, monthly flat rate 0.20% and loan tenor of 60 months, including a handling fee of 1% per annum (APR 6.89%). The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. 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.
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 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
Customers apply for $mart Plus Personal Installment Loan (“the Loan”) with the Bank from now until 30 September 2024 and successfully draw down with loan amount of HK$100,000 or above , repayment period of 12 months or above and fulfill the following designated conditions shall be entitled to corresponding cash rebate. Details as follow:
(a) Customers who successfully draw down the Loan with designated loan amount* and repayment tenor shall be entitled to the Basic Cash Rebate. If Customers who are able to satisfy one of the following specific criteria shall be entitled to the Double-up Cash Rebate.
i. Successfully registered China CITIC Bank International Payrollplus account before loan drawdown; or
ii. Were already customers of the Bank as of 31 December 2023, including credit card customers, mortgage customers, and deposit account customers.

(b) Customers who successfully draw down the Loan - Debt Consolidation with designated loan amount and repayment tenor shall be entitled to the Double-up Cash Rebate directly.

* If customers apply for Top Up Loan, the loan amount is calculated by approved top up loan amount