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Installment Loan |
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- Monthly flat rate as low as 0.1% for the whole tenure (equivalent to annualised percentage rate of 4.13%)
- Loan amount of up to HK$500,000
- Loan tenure from 6 to 36 months to best fit your settlement plan. Home owners can even choose a loan tenure of up to 48 months
- Loan amount can be directly credited to your designated bank account, collected by cashier’s order or Express Money Card
Loan Amount
(HK$) |
Preferential Customers |
General Customers |
Monthly Flat Rate (Annualised Percentage Rate) |
Monthly Repayment Amount for Every Loan Amount of HK$1,000 |
Monthly Flat Rate (Annualised Percentage Rate) |
Monthly Repayment Amount for Every Loan Amount of HK$1,000 |
$ 5,000 -
$ 19,999 |
0.5% (13.56%) |
$89.22 |
0.55% (14.78%) |
$89.72 |
$ 20,000 -
$ 99,999 |
0.25% (7.61%) |
$86.69 |
0.26% (7.85%) |
$86.79 |
$100,000 - $399,999 |
0.23% (7.14%) |
$86.49 |
0.24% (7.38%) |
$86.59 |
$400,000 - $500,000 |
0.1% (4.13%) |
$85.18 |
0.15% (5.29%) |
$85.68 |
Remarks: The above annualised percentage rates and monthly repayment amounts are calculated according to the basis set out in the Code of Banking Practice, subject to 12-month loan tenure and credit life premium of 1% p.a. is included.
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Revolving Loan |
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- Annual interest rate as low as 9% for the whole term
- First year annual fee waiver
- Interest rates will be determined by your statement balance instead of credit limit. The higher the statement balance, the lower the interest rate.
- Minimum monthly repayment is only 2.5% of your statement balance and interest is calculated on a daily basis to save your interest expense.
- Your credit limit will be restored automatically as soon as you have made a repayment.
- Loan amount will be credited directly to your Dah Sing Bank account or collected by cashier’s order.
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Outstanding Balance (HK$)
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Preferential Customers
Annual Rate
(Annualised Percentage Rate)
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General Customers
Annual Rate
(Annualised Percentage Rate)
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<$20,000
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20% (21.94%) |
22% (24.36%) |
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$20,000 - $49,999
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15% (16.08%) |
17% (18.39%) |
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$50,000 - $99,999
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12% (12.68%) |
14% (14.93%) |
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$100,000 - $199,999
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11% (11.57%) |
13% (13.80%) |
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$200,000 - $300,000
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9% (9.38%) |
11% (11.57%) |
Remarks: The above annualised percentage rates are calculated according to the basis set out in the Code of Banking Practice. Annual fee of HK$200 (waived for the first year) is not included in the above calculation. |
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Apply for an Installment Loan or a Revolving Loan now to enjoy the 30-minute express approval and disbursement and privileged interest rates of Dah Sing Personal Loans Plan!
You may either call our Loan By Phone Hotline on 2828 8111 or visit any of our Dah Sing branches
for application.
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Remarks: 1. “30-Minute Approval and Disbursement” service is applicable to customers who apply by phone or at branches in person, and submit all required documents and information on the date of application. The application should meet the requirements of the Bank’s normal approval procedures and loan amounts should not exceed HK$100,000. “30-Minute Approval and Disbursement” is counted from the moment that Bank staff confirm receipt of all required documents and information with customers, and is available during 9:00am to 4:30pm on Monday to Friday and 9:00am to 12:00pm on Saturday. This service may be subject to change according to actual circumstances. 2. “Express Money” Personal Loan will be offered for customers who choose Instalment Loan, and “IN-MONEY” Revolving Loan will be offered for customers who choose Revolving Loan. 3.The minimum loan amount for an IN-MONEY Revolving Loan is HK$5,000 and the interest rate of IN-MONEY Revolving Loan applied for the first statement balance will be determined by the approved credit limit. From the second statement balance onwards, the interest rate will be determined by the previous month’s statement balance. 4. Preferential customers include civil servants, professionals, teachers and staff of Hospital Authority and Financial Institutions, and customers of Dah Sing Credit Card Star Reward Program. 5. The acceptance of this application shall be at the sole absolute discretion of Dah Sing Bank without exception.
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