Welcome to the China CITIC Bank International.

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Personal Installment Loan

Enjoy financial flexibility with up to 60 months repayment period

APR as low as 1.90%

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

Annualized Percentage Rate1 as low as 1.90%2

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

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 approval3

  • Speedy approval and provide a loan plan to you instantly

Same-day fund disbursement4

  • Same-day fund disbursement to your CNCBI account

Top-up Loan5

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

Remarks:

  1. 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.
  2. The APR 1.90% is calculated based on loan amount HK$200,000, 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)
  3. 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.
  4. 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.
  5. 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.

$mart Plus Personal Installment Loan

FAQs for $mart Plus Personal Installment Loan
Terms and Conditions for $mart Plus Personal Installment Loan and General Terms and Conditions

Dollar$mart Personal Installment Loan

FAQs for Dollar$mart Personal Installment Loan
Terms and Conditions for Dollar$mart Personal Installment Loan and General Terms and Conditions

Personal Loan Under 100% Personal Loan Guarantee Scheme

To apply the Personal Loan Under 100% Personal Loan Guarantee Scheme, please visit designated branches of China CITIC Bank International Limited. Details of designated branches are as below:

  1. Des Voeux Road Central Branch
    The Chinese Bank Building, 61-65 Des Voeux Road Central, Hong Kong
  2. Tsim Sha Tsui Branch
    Shop No. 3 - 5, G/F, Mass Resources Development Building, 12 Humphreys Avenue, Tsim Sha Tsui, Kowloon
  3. Tsuen Wan Branch
    Shop C on G/F & 1/F, Shui Sang Building, 13-19 Chung On Street, Tsuen Wan, New Territories

Personal Loan Under 100% Personal Loan Guarantee Scheme

FAQs for Personal Loan Under 100% Personal Loan Guarantee Scheme
Terms and Conditions for Personal Loan Under 100% Personal Loan Guarantee Scheme and General Terms and Conditions

Ready to Apply?

Be served by our professional staff at our branches, or opt for self-service banking via our automated channels — the choice is yours.

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Tap into the vast resources and network of our parent bank China CITIC Bank and our ultimate shareholder, CITIC Group Corporation.

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