Tax Loan

Offers

The promotion period runs until 31 Mar 2023.

ANA Miles Offer - Up to 4 round-trip flight tickets to JapanLearn More

Selected Customers and Normal Customer Interest Rate OfferLearn More

APR as low as 1.18%Learn More

ANA Miles Offer^{^}

Successfully apply for Tax Loan with a loan tenor of 24 months and successfully apply for designated banking products or services as below to enjoy up to 68,000 ANA Miles for redeeming up to 4 ANA economy class round-trip flight tickets to Japan^{^}(i) Successfully apply for Dah Sing ANA World Mastercard (as a principal cardholder); and / or
(ii) Successfully register / maintain 360° Easy Payroll Services (New Payroll customers need to successfully sign up for the 360° Easy Payroll Services during the Promotion Period and make an Eligible Payroll Transaction within 3 months after registration) and use the Bank's account for the loan's disbursement and repayment.

Loan Amount (HKD)	Successfully apply for Tax Loan and successfully apply for the below designated banking products or services to enjoy^#:
Loan Amount (HKD)	Dah Sing ANA World Mastercard	Dah Sing ANA World Mastercard + 360° Easy Payroll Services
2,000,000 or above	Up to 34,000 ANA Miles (For redeeming up to 2 ANA economy class round-trip flight tickets to Japan^{^})	Up to 68,000 ANA Miles (For redeeming up to 4 ANA economy class round-trip flight tickets to Japan^{^})
1,000,000 - 1,999,999	Up to 26,000 ANA Miles	Up to 51,000 ANA Miles
500,000 - 999,999	Up to 22,000 ANA Miles	Up to 34,000 ANA Miles
100,000 - 499,999	Up to 20,000 ANA Miles	Up to 25,000 ANA Miles
10,000 - 99,999	Up to 18,000 ANA Miles	Up to 19,000 ANA Miles

^{^}According to the current terms and conditions of the ANA Mileage Club, 17,000 ANA Miles can be used to redeem an ANA economy class round-trip flight ticket from Hong Kong to Japan (off-season only). This information is for reference only. ANA reserves the rights to amend or cancel the offers without prior notice. Dah Sing Bank, Limited expressly excludes any representation or warranty in relation hereto. The use of the ANA Miles is subject to terms and conditions of the ANA Mileage Club, please contact ANA at (852) 2810 7100 or visit ana.co.jp/hk for details.
^#The ANA Miles Offer listed in the table includes the ANA Miles Offer for customers who successfully apply for Tax Loan and the Welcome Miles Offer of up to 17,000 ANA Miles for customers who successfully apply for Dah Sing ANA World Mastercard. Please refer to the Clauses (18) to (29) of the Terms and Conditions for details.

For further details, promotions and Terms and Conditions of the Dah Sing ANA World Mastercard, please click here.
For further details, promotions and Terms and Conditions of the 360° Easy Payroll Services and "Eligible Payroll Transaction" offer, please click here.

Interest Rate Table One^Δ

Loan Amount (HKD)	Selected Customers
	Monthly Flat Rate	6-month loan tenor		12-month loan tenor
	Monthly Flat Rate	APR ⁺	Monthly Repayment Amount (HKD)^*	APR⁺	Monthly Repayment Amount (HKD)^*
2,000,000 or above	0.090%	1.86%	1,676	2.01%	842
1,000,000 - 1,999,999	0.100%	2.07%	1,677	2.23%	843
500,000 - 999,999	0.135%	2.81%	1,681	3.02%	847
100,000 - 499,999	0.170%	3.55%	1,684	3.81%	850
10,000 - 99,999	0.200%	4.19%	1,687	4.48%	853

Loan Amount (HKD)	Normal Customers
	Monthly Flat Rate	6-month loan tenor		12-month loan tenor
	Monthly Flat Rate	APR⁺	Monthly Repayment Amount (HKD)^*	APR⁺	Monthly Repayment Amount (HKD)^*
2,000,000 or above	0.100%	2.07%	1,677	2.23%	843
1,000,000 - 1,999,999	0.120%	2.49%	1,679	2.68%	845
500,000 - 999,999	0.155%	3.23%	1,683	3.47%	849
100,000 - 499,999	0.190%	3.97%	1,686	4.26%	852
10,000 - 99,999	0.220%	4.62%	1,689	4.93%	855

^ΔThe interest rates (including APRs and the monthly flat rates) listed in Interest Rate Table One are applicable to designated loan amounts, and are for reference only. The final approved interest rate is subject to the Bank's assessment and confirmation.

⁺An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

*The monthly repayment amount is calculated based on HKD10,000 loan amount.

Interest Rate Table Two^Δ

Successfully apply for and drawdown the Tax Loan with tenor of 12 months and loan amount of HKD10,000 - HKD100,000 (subject to a maximum loan amount being 1 time of the tax bill amount) during Promotion Period and successfully register or maintain the 360° Easy Payroll Services (New Payroll customers are required to successfully register for the 360° Easy Payroll Services during the Promotion Period and make an Eligible Payroll Transaction within 3 months after registration) to enjoy APR as low as 1.18%:

Loan Amount (HKD)	Including Cash Rebate		Excluding Cash Rebate		Monthly Repayment Amount* (HKD)
Loan Amount (HKD)	Monthly Flat Rate^	APR⁺	Monthly Flat Rate^	APR⁺	Monthly Repayment Amount* (HKD)
10,000 - 100,000 (Maximum loan amount is 1 time of your tax bill amount)	0.0525%	1.18%	0.138%	3.10%	847

^ΔThe interest rates (including APRs and Monthly Flat Rates) listed in the Interest Rate Table Two are applicable to designated loan amounts and are for reference only. The final approved interest rate is subject to the Bank's assessment and confirmation.

^The 0.0525% Monthly Flat Rate is only applicable if all requirements as stated in Clause (14) of the relevant terms and conditions are fulfilled. The loan must be repaid according to the loan Monthly Flat Rate approved by the Bank ("Applicable Monthly Flat Rate"). The Applicable Monthly Flat Rate will be printed on the loan confirmation letter. The difference between the interest payable of the Applicable Monthly Flat Rate and the 0.0525% Monthly Flat Rate will be credited to the customer's relevant bank account in the form of cash rebate. For details, please refer to Clause (15) of the relevant terms and conditions.

⁺An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

*The monthly Repayment Amount is calculated based on a HKD10,000 loan amount.

For further details and Terms and Conditions of the 360° Easy Payroll Services, and the definition of "Eligible Payroll Transaction", please click here.

Features

APR as low as 1.18%

Features Details

Loan Amount up to HKD2,000,000 or 14 Times Your Monthly Income (whichever is lower)

Features Details

Repayment Tenor up to 24 Months

Features Details

Instant Approval via "e-Express Loan Application"

Features Details

Accepting tax bills of this year (2021/22) or last year (2020/21) for loan application

Features Details

Applicable APR ranges from 1.18% - 15%, with a repayment tenor ranging from 6 - 24 months.

For example: Assume the loan amount is HKD2,000,000, with 6-month loan tenor and 0.09% monthly flat rate, the APR is 1.86%, the total interest is HKD10,798 and your total repayment amount is HKD2,010,798.

APR is calculated according to the guidelines issued in respect of the Code of Banking Practice and is rounded to the nearest two decimal places and may vary for individual customers. Customers should refer to the loan confirmation letter for the relevant information. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualized rate.

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Eligibility

You must be aged 18 or above

You must be employed in Hong Kong

You must be a Hong Kong resident

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*If you do not provide the required information (including but not limited to Your Name) in the WhatsApp appointment, our bank staff cannot proceed to contact you to follow-up your enquiry and no separate notice will be issued.

Depending on actual data transmission speeds, the whole online application process (including approval) may take approximately 15 minutes.

To borrow or not to borrow? Borrow only if you can repay!

The service(s) / product(s) mentioned herein is / are not targeted at customers in the EU.

Subject to relevant terms and conditions. For details, please click here.

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