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| Personal Instalment 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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DBS Personal Instalment Loan monthly flat rate as low as 0.05% (APR 2.98%) and allows you to loan up to 8 times your monthly salary.
Act now, to gain more flexibility on your festive spending! |
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| High loan amount up to 8 times
your monthly salary |
| Loan amount up to HK$350,000 or 8 times your monthly
salary (whichever is lower), enabling you to make all
your dream come true |
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| Low interest rate |
| The monthly flat rate is as low
as 0.05% (APR 2.98%5) - |
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| Fixed instalment amount |
A fixed instalment ensures your repayments
end within a planned time frame. |
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| Flexible instalment period |
You may select a fixed instalment period of up to 60 months, according to your financial needs. |
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| Simple application |
All you need is to fax us a copy
of the latest 1 month's salary proof, your ID card and
proof of residence, saving you the hassle of visiting
our branches. |
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| Top-up Loan |
You can redraw your repaid principal
amount7 with no income proof required. |
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| Apply online |
Applicants should be Hong Kong permanent residents aged 18 or above with a minimum annual income of HK$80,000.
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- 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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| Personal Instalment Loan cannot meet your
loan needs? Try Cashline Revolving Loan. |
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| Personal Instalment 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. |
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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). |
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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 Annualised Percentage Rate (APR) of 2.98% is calculated based on the monthly flat rate of 0.05% and loan period of 12 months including 1% handling fee. APR is calculated in accordance with guidelines as set out in the Code of Banking Practice.
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| 6. |
Loan amount below $350,000, 1.5% handling fee will be charged each year based on the approved loan amount and the instalment period, and will be collected from monthly repayment. Loan amount $350,000 or above, 1% handling fee will be charged each year based on the approved loan amount and the instalment period, and will be collected from monthly repayment.
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| 7. |
Customers are eligible to apply for a top-up
loan on the repaid principal amount if a minimum of one
instalment is repaid, and the repaid principal amount is
over HK$5,000, and a punctual repayment record is maintained.
For application or enquiry about the details of this programme
and the terms and conditions, please contact us at 2290 8118 . The Bank reserves the right of approval of application
based on the customer's financial standing. |
| 8. |
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. |
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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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