Maximum loan amount up to $1,200,000 or 21X monthly salary whichever is lower

Repayment term up to 72 months

No hidden terms and conditions

APR as low as 2.91%* (calculation based on the monthly flat rate 0.13% with loan amount of HK$1,200,000 and repayment period of 12 months); the actual APR may vary for individual customers

– From now until 31 March 2021 (Promotion Period), clients are entitled to up to HK$1,400 cash rebate by successful application of personal loan via mReferral

– Loan amount as high as HK$1,200,000 or 21 times of your monthly salary (whichever is lower)

– Flexible repayment period of 12 to 72 months

– To borrow or not to borrow? Borrow only if you can repay! The above offers are subject to the relevant terms and conditions

Remarks:

The Annualized Percentage Rate (“APR”) of 7.19% is calculated based on loan amount of HK$500,000, 60-month repayment period, monthly flat rate 0.213% and 1% handling fee per annum. The APR is a reference rate, which includes the basic interest rate and other fees, and charges of a product of China CITIC Bank International Limited (the “Bank”) expressed as an annualized rate. The APRs shown are calculated using Net Present Value Method in accordance with the Code of Banking Practice, based on the relevant monthly flat rate for different loan terms the respective APRs are rounded to the nearest two decimal places.

– Privilege online offer up to HK$3,000 Cash Rebate

– Extra HK$1,000 Cash Rebate for New Clients apply through online¹

– Up to 2 months interest-free repayment deferral²

– Monthly Flat Rate as low as 0.0920%³

– 0% Handling fee

– Maximum loan amount of up to 18 monthly salary or HK$2,000,000 (whichever is lower)

– Loan tenor up to 72 months

– Online Service Pledge-Application submitted before noon will be followed up within the same business day

1. New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application. Only applicable to the loan amount of HK$50,000 or above and loan tenor of 36 months or above. Terms and conditions apply.
2. Clients are to be bound by Terms and conditions for up to 2 months interest-free repayment deferral program. Up to 2 months interest-free repayment deferral program is not being taken into account the Bank’s promotional interest rates. Up to 2 months interest-free repayment deferral program is applicable via online, branch, Corporate Partnership channels and call in to our application hotline.
3. The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 2.15% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). For client who has applied for tenor 24-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.0929% and the corresponding APR is 2.15%. For client who has applied for tenor 72-month with loan amount of HKD700,000, will be subject to a monthly flat rate of 0.2540% and the corresponding APR is 5.85%. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include cash rebate. The preferential interest rate is only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.
4. The Monthly Flat Rate shown above was for reference only.
5. The above Annualised Percentage Rates (“APR”) are reference rates which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable). This APR does not include cash rebate.
6. Information is for reference. Terms and Conditions apply. Please visit Standard Chartered Bank’s website for details.

Enjoy an Extra-long Period for the First Instalment and Give You a Buffer in Managing Your Financial

You could go even further when you find less burden with your financials. Airstar Bank is always with you and allows you interest and repayment free up to 60 days1, which gives you a time-off and flexibility on your monthly spending and financial management. What’s even more? We offer you our Stellar APR as low as 2.99%2 which largely saves your total interest expenses and repayment amount per instalment, enjoying more flexible cashflow to catch every opportunity.

• 60 days Interest and Repayment Free ¹
• Stellar APR as low as 2.99%²
• Total interest expenses saved
  up to 91%，Repayment amount per instalment saved up to 66%³
• No handling fee and administration fee for loan drawdown⁴
• No handling fee for early repayment⁴
• Total loan amount up to 21 times of
  monthly salary, you can also choose
  to cash out part of the loan amount
  up to 12 times of monthly salary ⁵

Remarks:

1. From 22 November 2020 to 30 April 2021, eligible customer draw downs a Debt Consolidation Loan at any amount, the customer is not required to make repayment in the first 60 days after drawdown. If eligible customer early settles the entire loan before the first due date, the customer is not required to pay any interest and can settle the entire loan by only repaying the loan principle.

   Example: Draw down on 16 November 2020, first due date will be on 17 January 2021; Draw down on 31 January 2021, first due date will be on 1 April 2021. For more details, please refer to “60 days Interest and Repayment Free Promotion Terms and Conditions”.

2. Annualized Percentage Rate (“APR”) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate. Approval of the APR is subject to the final decision of the Bank. The APR ranges from 2.99% to 35.81% with repayment period of 12 to 72 instalments. For a loan amount of HKD200,000 with 72 instalments repayment period, the APR is 2.99%, and the total loan repayment amount is HKD218,467.02 (handling fee waived). The above example is for reference only, please refer to terms and conditions for details.

3. Interest saving example is based on an assumption that the total outstanding amount is credit card outstanding balance HKD200,000, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HKD50 (whichever is higher). The annualized percentage rate (“APR”) is 34.49%. Monthly repayment amount is HKD8,952 and total interest expenses is HKD209,404. For Airstar Debt Consolidation Loan with assumption that annual interest rate 2.95% and repayment tenor of 72 instalments, APR is 2.99%. Repayment amount per instalment is HKD3,034 and total interest expenses is HKD18,467. The average repayment amount per instalment and total interest expenses of above examples are rounded to nearest dollar. The above examples are for reference only.

4. For details and the interest of early repayment please refer to “Airstar Personal Instalment Loan Key Facts Statement”.

5. Loan amount of Debt Consolidation Loan up to 21 times of monthly salary or HKD2,000,000 (whichever is lower), including the extra cash amount up to 12 times of monthly salary. The cash amount will be transferred to your account and its use is not restricted to the repayment of the outstanding balance of any credit card or personal loans.

6. The above “Credit Card Min Pay” example is based on an assumption that the total outstanding amount is credit card outstanding balance, with an annual interest rate of 30%, and monthly minimum repayment of 5% of the outstanding balance or HKD50 (whichever is higher). The average monthly instalment amount is calculated by the first 12 repayments. The annualized percentage rate (“APR”) is 34.49%. The total interest expenses are rounded to nearest dollar. The above “Airstar” example is calculated by Airstar Debt Consolidation Loan annual interest rate 2.95% and repayment tenor of 72 instalments (APR 2.99%)。The average monthly instalment amount and total interest expenses are rounded to nearest dollar. Annualized Percentage Rate (“APR”) is calculated in accordance with the method set out in the relevant guidelines referred to in the Code of Banking Practice and rounded up or down to the nearest two decimal places. APR is a reference rate which includes the basic interest rate and other fees and charges (if applicable) expressed as an annualized rate.

7. The Bank reserves the right of final approval.

Airstar Personal Instalment Loan Promotion Offer (Apply via mReferral Corporation (HK) Limited (“mReferral Corporation”))
Terms and Conditions (“Terms and Conditions”)

Get HKD 400 Loan Coupon upon registration

1. The promotion period is from 1 April 2021 to 30 June 2021, both dates inclusive (“Promotion Period”). The promotion offer is only eligible to customers apply via mReferral (the “Partner”).
2. Loan coupon is only applicable to customers who has registered their mobile number via Airstar Bank (the “Bank”)’s designated link (www.airstarbank.com) and drawdown the loan successfully with drawdown amount not less than HKD 50,000 and tenor not less than 12 months (“Eligible Customers”).
3. By the time of registration via the Partner, Eligible Customer must not hold any loan account of the Bank or submitted any loan application to the Bank.
4. Loan coupon is valid for a minimum of 30 calendar days after registration, the expiry date is shown on the loan coupon.
5. The reward of loan coupon will be fulfilled by cash rebate and credited to the Eligible Customer’s HKD savings accounts in the Bank within 90 days upon loan drawdown.
6. Eligible Customers’ HKD savings accounts with the Bank must be valid and in good standing upon this cash rebate disbursement. In addition, eligible customers must not early settle the loan, or with any overdue record or in breach of Airstar Personal Instalment Loan Terms and Conditions, upon this cash rebate disbursement.
7. Only 1 loan coupon can be used within the entire loan period. This loan coupon cannot be converted to other products or offers.

General Terms and Conditions applied to the offers above

1. In case there is any suspicious abuse, misuse or fraud, the Bank reserves the absolute right to forfeit the Eligible Customers’ entitlement to the above offers without prior notice and providing any reasons.
2. The Bank reserves the right to vary, extend or terminate the above offers and to amend any of the Terms and Conditions from time to time without prior notice. In case of any disputes, the decision of the Bank shall be final and binding.
3. This Terms and Conditions is governed by and construed in accordance with the laws of Hong Kong and the parties agree to submit to the exclusive jurisdiction of the Hong Kong courts. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.