This form is not for urgent submission of information (e.g. reporting of fraud or suspicious transactions). Should you have any enquiry, please kindly contact our 24-hour hotline at (852) 2290 8888.
Application Hotline: 2290 8118
Applicants must be a Hong Kong Resident aged 18 or above with a minimum annual income of HK$80,000. If you need further information on Personal Loans, please visit the Frequently Asked Questions
The annualised percentage rate (“APR”) ranges from 2.98% to 48%, with repayment period of 12 to 72 months. The loan application is subject to the Bank’s approval. For a loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.14% (APR is 5.98% including 1.5% handling fee per annum), and the total loan repayment amount is HK$103,180. The above example is for reference only.
The Annualised Percentage Rate (“APR”) of 2.98% is calculated based on the monthly flat rate of 0.05% and instalment period of 12 months including 1% handling fee. The APR is calculated in accordance with the guidelines issued in respect of the Code of Banking Practice.
Loan amount up to HK$800,000 or 8 times your monthly salary (whichever is lower).
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 with a punctual repayment record maintained. For application or enquiry about the details of top-up loan and the terms and conditions, please contact us at 2290 8118. DBS Bank (Hong Kong) Limited (the “Bank”) reserves the right of approval of the top-up loan based on the customer's financial standing.
Loan amount below HK$700,000, 1.5% handling fee will be charged each year. Loan amount of HK$700,000 or above, 1% handling fee will be charged each year. The handling fee is calculated based on the approved loan amount and the instalment period, and apportioned according to the instalment period for repayment with the monthly instalment.
One minute final approval result is applicable to applications via the Bank's website, DBS Loans App or DBS iBanking on Monday to Friday 9am – 12 midnight, Saturday 9am – 1pm and 2pm to 10pm, Sunday noon to 9pm. Customers apply in timeslot that is not mentioned above, we will contact you to follow up your application in next working day.
The approval of the final interest rate, loan amount and instalment period is subject to the financial condition of customer. The Bank has the absolute discretion in approving the loan.
If there is any inconsistency or conflict between the English and Chinese versions, the English version shall prevail.
If a customer decides to early pay off the loan, customer should assess whether the Early Settlement Administrative Fee outweighs the interest saved. To facilitate the assessment, customer can refer to “Personal Loans FAQ” on the Bank’s website for illustration. For details of such administrative fee, please refer to the Personal Instalment Loan Terms and Conditions.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
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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The downloading and/or use of the Quick Response Code Reader ("QR Code Reader") is entirely at your sole discretion. The Bank shall not be held liable in any way for any loss (including loss of data) you suffered arising from or in connection with your downloading and/or use of the QR Code Reader.