ZA Bank Instalment Loan – Tax Season Offer
Loan Details
- Fully online from application to loan disbursement
- ¹ The Annualised Percentage Rate (“APR”) of 1.30% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.0584%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
- ² During the Instalment Loan application from today until 31 Dec 2025, you can input the promotion code [MONEYSMART] to get 4 Loan Cash Coupons applicable to different loan amounts. Upon successful drawdown of Instalment Loan with the designated loan amount and tenor, you can get the following cash reward after the completion of the 7-day Cooling-off Period: 1. HKD 150,000 – HKD 299,999 and 24 months or above: HKD 1,000; 2. HKD 300,000 – HKD 499,999 and 36 months or above: HKD 2,500; 3. HKD 500,000 – HKD 999,999 and 48 months or above: HKD 5,000; or 4. HKD 1,000,000 and 48 months or above: HKD 10,000. The coupon is valid 14 days after you enter the code during the loan application. Terms and conditions apply.
- ³ The final approved loan amount, interest rate and tenor may vary depending on the individual circumstances and the final assessment of the bank.
- ⁴ This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 seconds. An existing bank user can get the preliminary approval result in as fast as 30 seconds from starting an application in the Loan tab after logging into the app.
- To borrow or not to borrow? Borrow only if you can repay!
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