Earn up to HKD 4,000 now
Complete the loan application in 4 steps
Repayment Calculator
The actual result that will apply will be based on customer’s final loan amount, credit rating and other factors as assigned and considered by the Bank.
Loan amount must be in multiples of HKD1000
Loan amount must be in between HKD 5,000 and HKD 1,000,000
Maximum 60 months
0.00
Monthly instalment amount is combined of principal and interest payable. Under the “Rule of 78”, the proportion of interest will be more in earlier instalments comparing to the later ones. Below is an example to demonstrate the calculation of interest fee under “Rule of 78”. For example, if a loan is to be repaid over 12 instalments, the total interest will be divided into 78 portions (12 + 11 + 10 + … + 1 = 78). 12/78ths of the total interest is allocated as the first instalment’s portion of the interest payable, 11/78ths of the total interest is allocated as the second instalment’s portion and so on until the twelfth instalment, at which 1/78th of the total interest is allocated as that instalment’s portion of the interest payable.
1. From 21 Feb - 30 Apr 2024, you can input promo code [TAXLOAN] to get a Loan Cash Coupon, applicable to a Tax loan with a loan amount of HKD 200,000+ & a tenor of 24 months or above. Upon successful drawdown with the Coupon, a user can get an HKD 2,800 cash reward after 7-day cooling-off period. The coupon is valid for 14 days. Also, from the subsequent month following the completion of the 7-day cooling-off period for the loan drawdown, a user will get a set of 5 ZA Quests every month for 12 months. If a user completes the quests by depositing a designated HKD amount into their ZA Bank account via Easy Deposit, they can claim the corresponding quest reward in the ZA Bank App > Explore > “ZA Quest” in 30 days after completing the quests. A user can earn up to HKD 100 for every calendar month and HKD 1,200 in total for 12 calendar months. Terms & conditions apply.
2. The Annualised Percentage Rate (‘APR’) of 1.80% is calculated based on an example where the loan amount is HKD 1,000,000, with a repayment tenor of 12 months and a monthly flat rate of 0.081%. Please refer to the interest rate & monthly repayment table shown during the loan application for the applicable monthly flat rate and APR of other tenors. The APR is calculated using the method specified in relevant guidelines issued by the Hong Kong Associations of Banks and is rounded up or down to the nearest two decimal places. The APR is a reference rate, which includes the basic interest rates and other fees and charges (if applicable) of a product expressed as an annualised rate.
3. This approval result is preliminary. Users are required to submit relevant documents for review before receiving the final result and approval. The actual completion time varies across individuals. In general, provided that all required information is in order, a new-to-bank applicant can get the preliminary approval result in as fast as 90 sec. An existing bank user can get the preliminary approval result in as fast as 30 sec from starting an application in the “Loan” tab after logging into the app.