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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 Tax Season offers:

Up to HK$16,800 Cash Rebate¹

From now until March 31, 2025, customers who apply for and successfully draw down with designated loan amount and repayment tenor shall enjoy the corresponding Cash Rebate.

Product Features

Flexible repayment tenor of 12 to 72 months
Save interest expenses with personalized interest rate
Loan amount as high as HK$2,000,000 or 21 times of your monthly salary(whichever is lower)

Why Choose This Loan

Easily manage different loans and rebuild your credit history
Our Debt Consolidation Specialist analyzes your financial situation and tailor-made with a flexible loan transfer plan to you
Save significantly on unnecessary interest costs and improve your cash flow

Interest Saving Example

Please call 2280 1833 for assistance

Remarks:

Customers who apply for and successfully draw down $mart Plus Personal Installment Loan including Personal Installment Loan, Debt Consolidation and Top Up Loan ("the Loan") from China CITIC Bank International Limited (the "Bank") from 1 January, 2025 to 31 March 2025 with loan amount of HK$50,000 or above and with a repayment tenor of 24 months or above shall be entitled to the following Cash Rebate:

Remarks: *If customers apply for top-up loan, the loan amount will be calculated by the actual cash out approved top up loan amount.

Please refer to “$mart Plus Personal Installment Loan (Tax Season Offer) - Promotional Terms and Conditions for up to HK$16,800 Cash Rebate” for details.
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.
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