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Personal Installment Loan

Enjoy financial flexibility with up to 60 months repayment period

APR as low as 1.65%

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

Annualized Percentage Rate¹ as low as 1.65%²

Monthly flat rate as low as 0.032%

Up to HK$18,800 rewards³

Application submission via e-Channels with conditions matched

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

1 minute preliminary approval⁴

Speedy approval and provide a loan plan to you instantly

Same-day fund disbursement⁵

Same-day fund disbursement to your CNCBI account

Top-up Loan⁶

Option to apply for Top-up loan to redraw your repaid principal

Remarks:

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 and 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.
From now until 31 December 2023, 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”.
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.
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.
Top-up loan only applies to existing loan customers, please provide a copy of recent month income proof upon the application. The approval of the Loan is subject to the information provided by the Credit Reference Agencies. The Bank reserves the right of the final decision in respect of all applications and approvals of the Loan and is under no obligation to provide any reason.