Consumer Loans

Key Facts Statement/Schedule of Fees and Charges

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

Make your plans happen this tax season.

With BEA upgraded Tax Season Loan, you can fulfil your tax obligations while enjoying attractive cash rebates, enhanced benefits, and the financial flexibility to make your next move.

Apply for a Tax Season Loan successfully and draw down on or before 15 December 2026 to earn up to HK$22,888 cash rebate^!

	Low interest rate for Tax Season APR as low as 1%*
	6 Benefits Loan amount up to HK$4,000,000 (18 times of monthly salary) Repayment tenor up to 60 months 0% handling fee 7-days Cooling-off Period IADS — securely connect with Open Banking to obtain your account data instantly for eliminating the need for document uploads Exclusive offer for customers born in or after 2000 — Early Repayment Fee Waiver¹
	Upgrade Cash Rebate of up to HK$22,888^ Basic rebate of up to HK$11,188 Digital Channel Offer HK$200 Selected Channel Offer HK$500 2021-2025 years Tax Loan Customer Offer HK$1,000 New-to-Bank Customer Offer of up to HK$9,000 New BEA Payroll account customer offer HK$1,000 Tip: If your total cash rebate entitlement is HK$5,000 or above, please ensure you have a valid BEA account by 30th April 2027 to receive the cash rebate. New customers and others: Open a BEA account through BEA Mobile (New-to-bank customers may draw down the loan first and open a BEA account afterwards)
	Upgrade Reward Spinal Health Assessment & Designated Pain Relief Treatment (1 Session) (value at HK$1,660) from

^ For the Cash Rebate & Reward offers, please refer to the “Terms and Conditions” for details

* The Annualised Percentage Rate ("APR") as low as 1.00% (“Preferential Interest Rate”) is for reference only. It is calculated based on a loan amount of HK$4,000,000, 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 credit requirements of The Bank of East Asia, Limited (“BEA”) and whose Salaries Tax or Personal Assessment for 2025/2026 is HK$1,000,000 or above. Customers successfully approved for the Preferential Interest Rate cannot enjoy cash rebates or other promotional offers concurrently. Loan applications are subject to BEA’s approval; if the requirements are not met, BEA may evaluate the application on a case-by-case basis and adjust the interest rate. The Preferential Interest Rate is offered on a first-come, first-served basis at BEA’s absolute discretion, and BEA will not provide notification regarding quota usage.

¹ Applicable to eligible customers born on or after 1^st January, 2000.

Remarks:

1. The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.
2. 0% Handling fee is only applicable to Online/Branch application.
3. 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.
4. 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.
5. 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
Tax Season Loan Terms and Conditions (cash rebate not applicable to Preferential Interest Rate and Top Up Loan)
Frequently Asked Questions
Loan Calculator