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Interest Rate Table One
| Loan Amount (HK$) |
Selected Customers9 | |||||||
| 6 months Loan Tenor | 12 months Loan Tenor | |||||||
| Monthly Flat Rate |
Annualized Percentage Rate10 |
Monthly Repayment Amount*,11 (HK$) |
Successfully applied Tax Loan and opened or maintained Dah Sing Deposit or Current Account to enjoy Cash Rebate (HK$)#,17 |
Monthly Flat Rate |
Annualized Percentage Rate10 | Monthly Repayment Amount*,11 (HK$) |
||
| Include Cash Rebate |
Exclude Cash Rebate |
|||||||
| $1,000,000 | 0.0905% | 1.88% | $1,676 | $888 | 0.0965% | 1.98% | 2.15% | $843 |
| $500,000 - $999,999 | 0.1000% | 2.07% | $1,677 | $688 | 0.1100% | 2.28% | 2.46% | $844 |
| $100,000 - $499,999 | 0.1050% | 2.18% | $1,678 | $388 | 0.1150% | 2.32% | 2.57% | $845 |
| $10,000 - $99,999 | 0.1650% | 3.45% | $1,684 | $88 | 0.1750% | 3.61% | 3.93% | $851 |
| Loan Amount (HK$) |
Normal Customers | |||||||
| 6 months Loan Tenor | 12 months Loan Tenor | |||||||
| Monthly Flat Rate |
Annualized Percentage Rate10 |
Monthly Repayment Amount*,11 (HK$) |
Successfully applied Tax Loan and opened or maintained Dah Sing Deposit or Current Account to enjoy Cash Rebate (HK$)#,17 |
Monthly Flat Rate |
Annualized Percentage Rate10 | Monthly Repayment Amount*,11 (HK$) |
||
| Include Cash Rebate |
Exclude Cash Rebate |
|||||||
| $1,000,000 | 0.1155% | 2.40% | $1,679 | $888 | 0.1255% | 2.64% | 2.80% | $846 |
| $500,000 - $999,999 | 0.1200% | 2.49% | $1,679 | $688 | 0.1300% | 2.73% | 2.91% | $846 |
| $100,000 - $499,999 | 0.1250% | 2.60% | $1,680 | $388 | 0.1350% | 2.77% | 3.02% | $847 |
| $10,000 - $99,999 | 0.1850% | 3.86% | $1,686 | $88 | 0.1950% | 4.04% | 4.36% | $853 |
*Monthly Repayment Amount is calculated based on a HK$10,000 loan amount.
#Cash Rebate will be credited into customer's Dah Sing Deposit or Current Account (not applicable to FlexiMoney Overdraft Facilitly, joint name, non HKD or Margin Trading Settlement accounts).
The interest rates (including APRs and the monthly flat rates) listed in the Interest Rate Table One are applicable to designated loan amount and are for reference only. The final approved interest rate is subject to the Bank's assessment and confirmation.
Interest Rate Table Two
Customers who successfully apply for a Tax Loan during the promotion period, maximum loan amount is HK$100,000 or 1 time of tax bill amount (whichever is lower) with a loan tenor of 6 months, and successfully opened the following account ("Bank Account"), can enjoy APR as low as 1.68%20(including Cash Rebate):
(i) [For the New-to-Bank customers] Successfully opened a YOU i-Account or VIP Banking i-Account through "e-Express Bank Account Application"; or
(ii) [For the existing customers] Successfully signed up for the 360° Easy Payroll Services and made an "Eligible Payroll Transaction" after registration (For New Payroll customers only).
| Loan Amount (HK$) |
Include Cash Rebate | Exclude Cash Rebate | Monthly Repayment Amount*,21 (HK$) |
||
| Monthly Flat Rate^ | Annualized Percentage Rate20 |
Monthly Flat Rate | Annualized Percentage Rate20 |
||
| $10,000 - $100,000 (Maximum loan amount is 1 time of tax bill amount) |
0.081% | 1.68%20 | 0.140% | 2.90%20 | $1,681 |
* Monthly Repayment Amount is calculated based on a HK$10,000 loan amount
^ 0.081% Monthly Flat Rate is only applicable to customer who fulfills all requirements as stated in Clause (18). Customer has to repay the loan according to the loan monthly flat rate approved by the Bank ("Applicable Monthly Flat Rate") first, the Applicable Monthly Flat Rate will be printed on the loan confirmation letter. The shortfall bewteen the interest payable by the customer pursuant to the Applicable Monthly Flat Rate and the 0.081% Monthly Flat Rate will be credited to his/her relevant bank account in the form of cash rebate. For details, please refer to Clause (19).
The interest rates (including APRs and the monthly flat rates) listed in the Interest Rate Table Two are applicable to designated loan amount and are for reference only. The final approved interest rate is subject to the Bank's assessment and confirmation.
For the details and Terms and Conditions of the YOU i-Account offer, please click here
For the details and Terms and Conditions of the VIP Banking i-Account offer, please click here
For the details and Terms and Conditions of the 360° Easy Payroll Services and "Eligible Payroll Transaction", please click here
- Applicable to customers who successfully apply for a Tax Loan through the Bank's website (www.dahsing.com) or Dah Sing Bank Mobile App during the promotion period
- The cash reward will be issued in form of cash coupons and will be mailed to the relevant customers' correspondence address on or before 31 March 2020
Promotion period is from now until 31 December 2019
The APR ranges from 1.68% - 48%, with repayment tenor of 6 - 24 months.
Example of Tax Loan: Assume the loan amount is HK$65,000, with 6-month loan tenor and 0.140% monthly flat rate,
APR including HK$228 cash rebate is 1.68%, the total interest is HK$544 and total repayment amount is HK$65,544.
Dah Sing Tax Loan Video
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Extra HK$50 cash reward for successful online application13
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