Consumer Loans

Key Facts Statement/Schedule of Fees and Charges

Successfully apply on or before 28^th June, 2023 to enjoy the following offers:

• APR as low as 2.91%
• Repayment period of up to 72 months
• Loan amount of up to 18 times your monthly basic salary (maximum HK$1,200,000)

Remarks:

1. The Annualised Percentage Rate ("APR") from 2.91% to 33.35%. The APR as low as 2.91% is for reference only. (It is calculated as for a loan amount of HK$100,000, with a monthly flat rate of 0.03%, a non-refundable arrangement fee of 1.2% p.a. on the loan amount, and a repayment period of 12 months.) Please note that the actual APR may differ.
   
   
2. The APR as shown is calculated according to the standard method set out in the Code of Banking Practice and is rounded up or down to the nearest 2 decimal places. The APR is for reference only. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.
   
   
3. The loan amount can be up to 18 times the applicant’s basic monthly salary (maximum HK$1,200,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
   
   
4. Repayment period from 12 to 72 months
   
   
5. Monthly instalment as low as HK$158.6 for every HK$10,000 loaned (calculated as for a loan amount of HK$10,000, with a monthly flat rate of 0.09%, a non-refundable arrangement fee of 1.2% per annum, and a repayment period of 72 months).
   
   
6. BEA will contact the applicant by telephone to confirm the approved loan amount and interest rate upon approval. If the applicant accepts the approved loan package, the approved loan proceeds will be credited to the applicant’s designated bank account(s) upon receipt of the signed loan confirmation letter from the applicant.

Terms and Conditions

Application Hotline 2211 1438

Monday to Friday 10 a.m. to 6 p.m. 
Saturday 10 a.m to 2 p.m. (except public holidays)