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Key Facts Statement/Schedule of Fees and Charges 

Apply for a Tax Season Loan successfully and draw down on or before 15 January 2025 to enjoy the following offers:

Tax Season Loan Offer - Interest Rate & Monthly Repayment Table

Remarks:

^The Annualised Percentage Rate ("APR") as low as 1.388% is for reference only (It is calculated as for a loan amount of HK$4,000,000, with a monthly flat rate of 0.0624%, and a repayment period of 12 months). Only applicable to individual customers who apply through the loan hotline (also fulfil the approval requirement on credit ratings, tax payment for 2023/2024 is HK$1,000,000 or above and existing BEA credit card customers). The APR for individual customers may vary. If customer’s loan application cannot fulfill our approval requirements such as credit ratings or other factors and requirements, BEA may evaluate the application on a case-by-case basis and the interest rate may be adjusted. Customers will be notified of the relevant final interest rate upon loan approval. The promotion of preferential interest rate is subject to a limited quota. The provision of the promotion is on a first come, first served basis (as determined by BEA in absolute discretion). BEA will not update customer on the quota usage of the promotion or its continued availability.

*For the cash rebate offers, please refer to the Term and Conditions for details.

1. 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.

2. The repayment period for the Tax Season Loan is either 12 or 24 months, and the loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$4,000,000). The repayment period for the Instalment Loan is either 36, 48, or 60 months, and the loan amount can be up to 16 times the applicant’s basic monthly salary (maximum HK$2,000,000). The final approved loan amount, based on a multiple of the applicant’s monthly salary, is subject to change in accordance with individual circumstances.

3. 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

Terms and Conditions

Application Hotline：2211 1438

General Notes:

• APR from 1.388% to 23.84%
• 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.
• 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!