Overdraft Facilities - Professional / Personal Overdraft

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Overdraft Facilities - Professional / Personal Overdraft

Lock in your interest rate and protect yourself down the road!

Arrangement fee waived for the first year

Does the thought of enjoying ample cash flow at a fixed interest rate appeal to you?
With BEA's Overdraft Facilities, you no longer need to worry about interest rate fluctuations, as interest rates are fixed. Act now and enjoy the flexibility of managing your finances!

Apply for an overdraft now and receive many great offers:

Professionals¹ or
Senior Executives¹ with a monthly basic salary of HKD45,000 or above

Credit Limit

Up to HKD1,000,000 or 6 times your monthly salary
(whichever is lower)

Interest Rate

Months 1-4	:	4.9% p.a.
Months 5-12	:	Prime Rate² p.a.
Month 13 onwards	:	Personalised interest rates³ ranging from Prime Rate² p.a. to Prime Rate²+ 2% p.a.

Arrangement Fee

Fully waived for the first year
0.5% p.a. on the credit limit thereafter (Min. HKD200)

General Customers

Credit Limit

Up to HKD500,000 or 6 times your monthly salary
(whichever is lower)

Interest Rate

Months 1-3	:	5.7% p.a.
Month 4 onwards	:	Personalised interest rates³ ranging from Prime Rate² + 2% p.a. to Prime Rate² + 4% p.a.

Arrangement Fee

Fully waived for the first year
1% p.a. on the credit limit thereafter (Min. HKD200)

Remarks:
1.	Professionals include doctors, accountants, solicitors, architects, surveyors, engineers, and civil servants of Master Pay Scale Point 34 or above. The Bank of East Asia, Limited ("BEA") reserves the right at its absolute discretion to define the meaning of "Professionals" and "Senior Executives".
2.	The Prime Rate for Hong Kong dollar loans is quoted by BEA from time to time. Please consult BEA for the latest rate.
3.	The interest rate that a customer is entitled to is subject to the evaluation of the customer's financial status and credit check results. BEA reserves the right of final approval of the overdraft limit and its respective interest rate upon receipt of all relevant documents from the customer. In the event of any dispute, the decision of BEA shall be final.
4.	Customers are required to make minimum monthly repayments that are equivalent to 2.5% of the outstanding overdraft balance (min. HKD50).
5.	The above offers are only available to customers who have not had any Professional Overdrafts or Personal Overdrafts with BEA in the past 6 months.
6.	The above information is for reference only. BEA reserves the right to cancel, add, or alter any of the above terms, conditions, and offers at any time without prior notice.

Apply Now

For details, please visit your nearest BEA branch.

Enquiry Hotline : (852) 2211 1211
Facsimile Hotline : (852) 3608 6060