A flexible, simple and straightforward loan, with speedy approval to unlock your cashflow opportunity. Empowering you to pursue your dreams and live in freestyle.
to enjoy Interest-free offer1
12, 24 or 36 months repayment options
- From now until 30 June 2025, successful applicants submit the application and required documents and
- Loan amount of HK$100,000 or above and with repayment tenor 12, 24 or 36 months and
- Loan Drawdown for Interest-free offer on or before 31 July 2025
a Home
overseas
married
a Home
payments
to prepay 1-year rent and deposits^
rental payments:
@Remarks:
- Calculated based on one year’s rent and two months’ deposit
-
Calculated the prepayment of 1-year rent and
deposits with BOC Express Cash Instalment Cash -
Interest-free Offer1
One year's rent + two months' deposit (including 8% discount offered by the landlord)
HK$20,000 x (1-8%) X 14 months = HK$257,600
Assuming loan handling fee is 2.5% p.a. (deducted upon loan drawdown), and the APR is 4.80% :
HK$280,000 x 2.5% = HK$7,000
The total interest expenses are calculated based on monthly flat rate of 0.0001%. Eligible Interest-free Offer customers can enjoy interest exemption (will be disbursed
on a rebate basis on a specified date and method):
HK$280,000 X 0.0001% X 12 months = HK$3.36 (The rebate amount will be rounded up to the nearest dollar with the actual rebate amount being $4)
The above case is based on assumptions and is for reference only, and do not mean, promise or guarantee that the landlord will provide a rental discount.
overseas
and Pursue Your Dreams Boldly
The estimated total expenses is HK$100,000 covering airfare, accommodation, tuition and living costs.
She determines to seize this opportunity to explore the world while she’s young!
BOC Express Cash Instalment Loan – Interest Free Offer1 can help Ms. Chan to achieve her dream of traveling and continuing education without the burden of extra interest, empowering her to explore the world with freedom.
@Remarks:
Assuming loan handling fee is 2.5% p.a. (deducted
upon loan drawdown), and the APR is 4.80% :
HK$100,000 x 2.5% p.a. = HK$2,500
The total interest expenses are calculated based on
monthly flat rate of 0.0001%. Eligible Interest-free
Offer customers can enjoy interest exemption (will
be disbursed n a rebate basis on a specified date
and method):
HK$100,000 X 0.0001% X 12 months = HK$1.2 (The
rebate amount will be rounded up to the nearest
dollar with the actual rebate amount being $2)
The calculations as shown are for reference only.
married
Hassle-free Planning, Extra Sweetness!
@Remarks:
Assuming loan handling fee is 2.5% p.a. (deducted
upon loan drawdown), and the APR is 4.80% :
HK$300,000 x 2.5% p.a. x2 = HK$15,000
The total interest expenses are calculated based on
monthly flat rate of 0.0001%. Eligible Interest-free
Offer customers can enjoy interest exemption (will
be disbursed on a rebate basis on a specified date
and method):
HK$300,000 X 0.0001% X 24 months = HK$7.2 (The
rebate amount will be rounded up to the nearest
dollar with the actual rebate amount being $8)
The calculations as shown are for reference only.
From 9:00 a.m. to 9:00 p.m. between Mondays and Fridays, from 9:00 a.m. to 6:00 p.m. on Saturdays, excluding public holidays
in reference code column
Remarks:
-
Customers should successfully submit the application with
Reference Code “F2” or specific Reference Code for BOC Express
Cash Instalment Loan - Interest-free Offer (“Interest-free
Offer”) within the promotion period; and successfully draw
down the loan on or before 31 July 2025, with repayment tenor
of 12 months, 24 months or 36 months (eligible Interest- free
offer customers), eligible Interest- free offer customers can
enjoy 1.1 Interest-free Offer and 1.2 Early Settlement Fee
Waiver.
- Interest-free Offer: Calculated at monthly flat rate of 0.0001%, eligible customers can enjoy interest rebate on interest paid on the loan. (Cash rebate will be provided on specified date and manner described in Promotion Clause 3.1). The amount of interest rebate is equal to the total interest already paid and to be paid on the entire loan, calculated based on the monthly flat rate mentioned above, from the Drawdown Date until the Final Repayment Date.
- Early Settlement Fee Waiver: Customers can enjoy rebate on early settlement fee, customer which is 2% of the approved loan amount. (Cash rebate will be provided on specified date and manner described in Promotion Clause 3.2 ).
Furthermore, annual handling fee is as low as 2.5% per annum,
with APR as low as 4.80%. The handling fee is from 2.50% to 6.5%
per annum. The APR of this promotion is from 4.80% to 15.71%.
Above Interest-free Offer is not applicable to BOC Express Cash
Instalment Loan Top up, BOC Express Cash Instalment Loan Balance
and BOC Express Cash Instalment Loan Balance Transfer Top up.
- Customers who successfully apply for BOC Express Cash Instalment Loan – Interest-free Offer within the promotion period with a loan amount of HK$100,000 or above, with repayment period 12, 24 or 36 months and successfully drawdown the loan on or before 31 July 2025 will automatically be entitled to “Grand Reward Lucky Draw” entry without any further registration.
- The actual processing time for loan application approval and disbursement (including same-day disbursement) may vary depending on the actual circumstances of each application.
- The APR 4.80% is calculated based on a loan amount of HK$100,000 with repayment tenor of 12 months, a monthly flat rate of 0.0001% and an annual handling fee of 2.5%.
- The APR is calculated according to the guidelines laid down in The Hong Kong Association of Banks for reference use only. An APR is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualised rate.
The above offers are subject to the relevant promotion terms and conditions, please download a copy of the terms & conditions for your future reference.
