|Once you successfully apply and draw down the loan on or before 30 November, 2021, you are entitled to supermarket cash coupons of up to HK$5,000 in value.|
|Loan Amount (HK$)||Supermarket Cash Coupon Aggregate Value (HK$)|
|$500,000 or above||$5,000|
|$200,000 - $499,999||$2,000|
|•||Privileged customers will enjoy an exclusive fixed Annualized Percentage Rate 5.15%|
|•||HK$0 handling fee|
|•||Loan amount up to 21 times of monthly salary or HK$1,000,000 (whichever is lower)|
|•||Cash amount up to 10 times of monthly salary can be directly credited to your designated bank account|
|•||Tenor up to 72 months for your selection|
|-||Via our Fubon Personal Loan Express Approval Hotline at 2806 5050.|
Terms and Conditions
Terms and Conditions of “0% Interest Rate Offer for the first 3 Months”:To entitle to the 0% interest rate offer for the first 3 months, customer must submit application and successfully draw down Fubon Balance Transfer Personal Loan via Fubon GO Mobile Application (“Fubon GO”) on or before 30 November 2021 and open a Fubon HKD Statement Savings Account via Fubon GO and using such account for the disbursement and repayment of the designated loan during the personal loan application. Please note that existing customer of the sole-name account cannot open bank account via Fubon GO. 0% interest rate for the first 3 months will be credited to customer’s repayment account mentioned above in the form of cash rebate in February 2022. Interest rebate amount is calculated as: Disbursed Loan Amount x Monthly Flat Rate x 3, capped at HK$3,000 and truncated to 2 decimal places. Maximum interest rebate amount would be HK$3,000 if calculated interest rebate amount exceeded HK$3,000. Customer must have a prompt payment record, no early repayment, and maintain all accounts valid and effective, from the loan drawdown date to the interest rebate date. The Bank reserves the right to determine the way of crediting such interest rebate. Customer must continue the loan repayment after receipt of the interest rebate. In the event that the customer early repay the loan after the interest rebate has been credited, the Bank will reclaim from customer the full amount of interest rebate.
Terms and Conditions of “Supermarket Cash Coupons” Offers:Customer who submit application of the Fubon “Balance Transfer” Personal Loan and successfully draw down the loan, with loan amount of HK$200,000 or above on or before 30 November, 2021 will be entitled to supermarket coupons (“Cash Coupon(s)”) of up to HK$5,000 in value. Cash Coupon(s) will be mailed to customer's correspondent address within 1 month after successful drawdown. If the Cash Coupon(s) are out of stock, Fubon Bank (Hong Kong) Limited (the “Bank”) has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.
Fubon Balance Transfer Personal Loan Terms and Conditions:
To enjoy the personalized interest rate, and/or other privileges, customers must submit the application of the Fubon Balance Transfer Personal Loan and successfully drawdown on or before 30 April 2022.
All applicants must be Hong Kong permanent residents over 18 years old and annual income at HK$60,000 or above.
Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted and could be as low as Annualized Percentage Rate (“APR”) 5.15% (for 12-month tenor). Moreover, privileged customers will exclusively enjoy the offer of fixed APR 6.80%. Such offer is only applicable to doctors, dentists, pharmacists, accountants, lawyers, actuaries and full-time teachers, staff of banking and financial industries whom submit the application of the Fubon Balance Transfer Personal Loan and successfully drawdown on or before 30 April 2022 with designated credit quality defined by Fubon Bank (Hong Kong) Limited (the “Bank”) and drawdown amount of HK$200,000 or above. The Bank reserves the right to interpret the definition of designated credit quality and Professionals and obtain documentary proof of occupation and qualification and/or related application documents or information from the customer when necessary. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
Customer has to submit the required personal information together with all necessary documents to the Bank for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank's decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
Cash amount for customer usage will be credited to the customer's designated bank account. The designated bank (except the Bank) may impose a remittance charge on the customer's designated bank account for such transfer. For the balance transfer, the Bank, on behalf of the customer, shall use the final approved loan amount to settle the outstanding balance of the customer's designated credit card and personal loan. In any circumstances, the Bank shall not be liable for any interest and/or charges imposed by other banks or financial institutions as a result of the customer's application of Fubon Balance Transfer Personal Loan. The Bank also has final discretion in determining the loan drawdown method. The relevant loan confirmation letter will be sent to customers by mail.
Customer is required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.