Consumer Loans

Instalment Loan

Instalment Loan Promotion

Key Facts Statement/Schedule of Fees and Charges

Whatever your aspirations, BEA Instalment Loan is here to support you!

Apply for an Instalment Loan successfully and draw down on or before 30 July 2026 to earn up to HK$20,000 cash rebate^#!

	APR as low as 1%* ^{Turn your vision into reality! From home renovations, car purchase to daily cash flow, our competitive rates provided the flexibility you need}
	Cash rebate up to HK$20,000^# Enjoy up to HK$16,300 cash rebate with a specified repayment tenor and loan amount Exclusive HK$200 cash rebate for Online Applications Exclusive HK$3,000 cash rebate for New to Bank Customers^ Exclusive HK$500 cash rebate for Designated Link or Designated Promotion Code
	Loan amount up to HK$3,000,000 (16 times of monthly salary)
	Repayment tenor up to60 months 0% handling fee 7-daysCooling-off Period Streamline your personal loan journey with IADS — securely connect with Open Banking to obtain your account data instantly for eliminating the need for document uploads

* The Annualised Percentage Rate ("APR") as low as 1.00% is for reference only (the “preferential interest rate”). It is calculated as for a loan amount of HK$3,000,000, with a monthly flat rate of 0.0450% and a repayment period of 12 months. The preferential interest rate is only applicable to customers who fulfil the approval requirement on credit ratings and whose income or profit for the 2024/2025 tax year (Salaries Tax, Personal Assessment, or Profits Tax for Sole proprietorship) is HK$3,000,000 or above. Customers who successfully apply for and are approved for the preferential interest rate cannot enjoy cash rebates or other promotional offers concurrently. If customer’s loan application cannot fulfill our approval requirements such as credit ratings or other factors and requirements, The Bank of East Asia, Limited (“BEA”) may evaluate the application on a case-by-case basis and the interest rate may be adjusted. The provision of the promotion is on a first-come, first-served basis (as determined by BEA in absolute discretion). BEA will not update customers on the quota usage of the promotion or its continued availability.

# BEA reserves the final right to interpret the definition of “Eligible Customer”. The cash rebate will be directly credited to the repayment account of the Eligible Customer on or before 31st December, 2026 without prior notice. The status of the customer’s loan account must be valid and with no past due record/unsatisfactory credit history at the time when BEA credits the cash rebate. If Eligible Customers have made early repayment of loan account after the cash rebate is credited, BEA reserves the right to charge the full amount of the cash rebate granted.

^ "New Bank Customer" refers to a customer who does not hold any products or accounts (either individually or jointly) with the Bank at the time of application for this loan.

Interest rate table:

Loan Amount (HK$)	Loan Tenor 12 months
Loan Amount (HK$)	Monthly Flat Rate	APR (Calculated based on designated loan amount)
100,000 – 499,999	0.1900%	4.26%
500,000 – 999,999	0.1388%	3.10%
1,000,000 – 1,999,999	0.1288%	2.88%
2,000,000 – 2,999,999	0.0899%	2.00%
3,000,000	0.0450%	1.00%

The monthly flat rate and Annualised Percentage Rate (APR) shown on the interest rate table are for indication only and are not meant to be final.

Remarks:

The loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$3,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
0% Handling fee is only applicable to Online/Branch application.
The Annualised Percentage Rate ("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, and includes the full arrangement fee waiver. The APR is for reference only. Please note that the APR stated in the loan confirmation letter will not include any cash rebate. Actual APRs and monthly repayments may differ, and the details stated in the loan confirmation letter shall prevail.
If the requested loan amount is approved in full, The Bank of East Asia, Limited will not notify the applicant. The Loan amount will be credited to the applicant’s designated bank account directly.
To promote responsible borrowing and reduce the risk of impulsive and excessive borrowing, our bank provide the cooling-off period to this loan product. Please refer to the

notice for details.

General Notes:

APR from 1.00% to 36.00%
Repayment period from 12 to 60 months

Reminders about Responsible Borrowing

You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
You should assess your repayment ability and avoid over-borrowing.
You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest.
To borrow or not to borrow? Borrow only if you can repay!

Useful Links:
Key Facts Statement (KFS) for Instalment Loan
Instalment Loan Terms and Conditions (cash rebate not applicable to preferential interest rate and Pre-approval Top Up Loan)
Frequently Asked Questions
Loan Calculator

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Loan Hotline

2211 1438

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