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| Debt Consolidation Loan |
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| A brand new way for loans online! |
| Now you can enjoy a genuine online loan application experience. From form submission, document upload to obtaining an instant approval result, it is just a few clicks! You don’t even need to show up and cash will be at your finger tips |
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| Apply now to enjoy Double Rewards |
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Click to draw a "Sure Win" interest rate discount up to 30% |
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Successfully drawdown to win the "Ultimate Rewards" |
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| Wanna cheer up and clear your card debts? DBS Debt Consolidation
Loan offers a loan amount of up to 18 times of your monthly
salary plus as much as 98% interest saved to make your
card debts extinct. |
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| Extra high loan amount of up to 18
times of your monthly salary |
| As high as HK$800,000 loan amount for additional flexibility
to manage your finances |
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| Low interest rate |
| The monthly flat rate is as low as 0.04%
(APR3.83%5) |
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| Flexible instalment period |
| You may select a fixed instalment period of 12, 18,
24, 30, 36, 42, 48, 54, 60, 66 or 72 months for added
financial flexibility. |
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| DBS Debt Consolidation Loan saves your
interest expense: |
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| Apply now |
Applicants must be Hong Kong permanent residents
aged 21 or above with a minimum annual income of
HK$100,000
- Application Hotline: 2290 8118
- Visit to any of our branches
- Complete the Application
Form and return it to us via our Fax Hotline
2235 5947
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| Debt Consolidation Loan
cannot meet your loan needs? Try Personal
Instalment Loan. |
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| Notes: The above
example is for reference only |
| * |
Assuming
the monthly repayment amount is 5% of the HK$700,000
credit card outstanding balance and an interest
rate of 30% p.a. (APR 34.49%). The monthly repayment
amount stated in the table is the average of the
first three months repayment. |
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Assuming
the repayment period is six years and the flat
rate is 0.04% per month (APR 3.83%, including
1.5% p.a. handling fees). The repayment period,
monthly repayment amount and total interest expenses
saved depend on various factors, such as the terms
and conditions of the existing credit card(s)
and/or loan(s) to the customer, and the final
loan amount and interest rate approved by DBS
Bank (Hong Kong) Limited (the "Bank", which expression
shall include its successors and assigns). For
details of interest calculation and the loan features,
please contact our staff. |
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Debt Consolidation Loan & Total
Relationship Balance
Total Relationship Balance counts every dollar
in your personal and joint accounts, including
deposits, investment, outstanding balances
of credit cards and loans. With a
higher Total Relationship Balance, you can
enjoy better rates for your time deposits.
Act now to consolidate all your accounts with
us to maximize your financial strength. |
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| Terms and Conditions: |
| 1. |
One minute final approval result is applicable on Monday to Friday 9am – 9pm, Saturday 9am – 1pm and 2pm to 10pm, Sunday noon to 9 pm. Customers apply in timeslot that is not mentioned above, we will contact you to follow up your application in next working day. |
| 2. |
One day loan disbursement to specified bank account refers to bank account of DBS Bank (Hong Kong) Limited (“the Bank”). |
| 3. |
DBS Unsecured Loans Interest Discount Terms and Conditions: |
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| i. |
Promotion Period starts from 22 February 2012 to 21 May 2012, both dates inclusive. |
| ii. |
Eligible Customers must (a) successfully apply for DBS Personal Instalment Loan, Debt Consolidation Loan or Express Loan during the Promotion Period via online application at the website of the Bank www.dbs.com/hk/loans; and (b) draw down the full approved loan on or before 8 June 2012. |
| iii. |
Customers will participate in a lucky draw during online application, the computer system will randomly draw out the interest discount (10% off, 20% off or 30% off) to be applicable throughout the whole loan tenor. Eligible Customers will be informed of the interest rate and monthly repayment amount after interest discount upon loan approval. |
| iv. |
The Bank reserves the right to vary these Terms and Conditions, change, modify, discontinue or terminate the promotion at any time without prior notice. In the event of dispute, the decision of the Bank shall be final and conclusive. |
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| 4. |
DBS Unsecured Loans Lucky Draw Terms and Conditions: |
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| i. |
Promotion Period starts from 22 February 2012 to 21 May 2012, both dates inclusive. |
| ii. |
Eligible Customers must (a) successfully apply for DBS Personal Instalment Loan, Debt Consolidation Loan, Express Loan or Cashline Revolving Loan during the Promotion Period via online application at the website of the Bank www.dbs.com/hk/loans; and (b) draw down the full approved loan on or before 8 June 2012. Eligible Customers that fulfill the above conditions can participate in DBS Unsecured Loans Lucky Draw. Each Eligible Customer is entitled to 1 lucky draw entry only during the Promotion Period. |
| iii. |
DBS Unsecured Loans Lucky Draw will be held after the end of the Promotion Period. Winners for first prize:“0% Interest Rate” prize and second prize: Samsung Galaxy Note smart phone will be drawn randomly by the computer system, each prize will have 1 winner. The Bank will send gift redemption letter for the second prize winners within 2 months after the end of the Promotion Period. Customers shall bring the gift redemption letter to redeem the prize at designated redemption center. |
| iv. |
The maximum amount of interest waived under “0% Interest Rate” is HK$30,000. Interest already paid before the lucky draw will be credited to winner’s relevant repayment account within 3 months after the end of the Promotion Period; subsequent interest paid will be concluded on a 3-month basis and credited to winner’s relevant repayment account. If winner is a customer of Cashline Revolving Loan, “0% Interest Rate” will only be applicable for the interest of the first 6 months from the date of Cashline Revolving Loan account set up or HK$30,000 (whichever is lower). If winner is a customer of Personal Instalment Loan, Debt Consolidation Loan or Express Loan, “0% Interest Rate” will be applicable to the interest throughout the whole loan tenor or HK$30,000 (whichever is lower). |
| v. |
If winner cancels the loan account during the period of 13 months from the account set up date, the Bank reserves the right to charge the winner the value of prize earned. |
| vi. |
The prizes cannot be transferred or exchanged for cash. The Bank is not the supplier of the prizes, any description, pictures and prices in relation to the prizes are supplied by the merchant and for reference only, the Bank will not accept any responsibility for the differences between the price and its actual market price and/or all matters in relation to the prizes. Any enquiry or compliant in respect of the prizes should be directed to the merchant. |
| vii. |
The promotion is only available to customers whose loans accounts are in good condition, without any late repayment and remain valid during the Promotion Period and at the time the Bank offers the prizes. If the account status has changed, the Bank reserves the right to withhold the prizes to the customer at the Bank’s absolute discretion. |
| viii. |
The Bank reserves the right to vary these Terms and Conditions, change, modify, discontinue or terminate the promotion at any time without prior notice. In the event of dispute, the decision of the Bank shall be final and conclusive. |
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| 5. |
The Annualized
Percentage Rate (APR) is calculated in accordance
with guidelines as set out in the Code of Banking
Practice. The APR is calculated based on loan amount
of every HK$10,000 and loan period of 6 years including
1.5% of annual handling fee. |
| 6. |
If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail. |
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| Remark: |
The above information
is for reference only. The approval of the final interest
rate, loan amount and instalment period is subject
to the financial condition of customer. The Bank reserves
the right to change the above Terms and Conditions
and/or discontinue any offer at any time without notice.
The Bank reserves the right of final approval of all
applications. |
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Personal
Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards
your data in accordance with applicable Hong Kong laws.
We only use the data we collect in accordance with our
Data Policy which explains the
data collection purposes, the persons to whom we may
transfer data, your data access and correction rights
and how you may contact our Data Protection Officer. |
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