ANZ Balance Transfer

ANZ promises you with preferential interest rate, whether the need of instant cash out for unexpected expenses or debt consolidation. ANZ Balance Transfer Loan provides flexible solutions to suit your needs.

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  • Personalised interest rate
    Monthly flat rate as low as 0.22% (APR 5.93%)1
  • Maximum loan amount
    Borrow up to 21 times your monthly income or HK$1,200,0002
  • Flexible repayment periods
    Choice of repayment period from 6 to 60 months
  • Apply online to enjoy up to HK$2,000 supermarket shopping voucher for each eligible Balance Transfer drawdown3

  • Apply online now or call our application hotline at 2176 8899.

Remarks

1   a. Monthly flat rate of 0.22% is only applicable to selected individual customers. The annualised percentage rate ("APR") for the monthly flat rate of 0.22% is 5.93% which is calculated based on
           i.  Balance Transfer amount of HK$400,000;
           ii. a repayment period of 12 months;
           iii. 1% p.a. handling fee of the approved Balance Transfer amount and
           iv. a HK$2,000 supermarket shopping voucher rebate.
     b. The actual approved APR may differ. The APR is calculated using the net present value method on the basis of 365 or 366 days a year (where applicable) and in accordance with the relevant    guidelines as referred to the Code of Banking Practice.
     c. Each applicant must pay a handling fee upon acceptance of the Balance Transfer, which is 1% of the approved Balance Transfer amount per year based on the repayment period. For instance, if the repayment period is 3 years, 
the handling fee will be 3% of the approved Balance Transfer amount.

2 The total Balance Transfer amount shall not exceed 21 times the applicant's monthly income or HK$1,200,000 (whichever is lower, subject to ANZ credit approval criteria). 

3 Applicable for New to ANZ Loan Customer only.
HK$500 voucher for loan drawdown amount of HK$100,000 - HK$199,999
HK$1,000 voucher for loan drawdown amount of HK$200,000 - HK$299,999
HK$1,500 voucher for loan drawdown amount of HK$300,000 - HK$399,999
HK$2,000 voucher for loan drawdown amount of HK$400,000 and above.

 

ANZ Balance Transfer Programme Promotion Terms and Conditions

  1. General Terms & Conditions
    1. The promotion period of ANZ Balance Transfer Programme ("Programme") is from 1 March 2015 (the "Promotion Period"), the loan granted under the Programme ("Balance Transfer") (if approved) must be successfully drawdown.

    2. The grant of Balance Transfer is subject to approval by Australia and New Zealand Banking Group Limited, Hong Kong Branch (the "ANZ", which expression will include its successors and assigns). ANZ reserves
      1. the right to determine the approved Balance Transfer amount, interest rate and repayment period according to the credit condition of each applicant and
      2. the right of final decision in respect of all applications and approvals of the Balance Transfer with no obligation to provide reasons.

      3. Monthly flat rate of 0.22% is only applicable to selected individual customers. The annualised percentage rate ("APR") for the monthly flat rate of 0.22% is 5.93% which is calculated based on
        1. Balance Transfer amount of HK$400,000;
        2. a repayment period of 12 months;
        3. 1% p.a. handling fee of the approved Balance Transfer amount and
        4. a HK$2,000 supermarket shopping voucher rebate.
      4. The actual approved APR may differ. The APR is calculated using the net present value method on the basis of 365 or 366 days a year (where applicable) and in accordance with the relevant guidelines as referred to the Code of Banking Practice.
      5. Each applicant must pay a handling fee upon acceptance of the Balance Transfer, which is 1% of the approved Balance Transfer amount per year based on the repayment period. For instance, if the repayment period is 3 years, the handling fee will be 3% of the approved Balance Transfer amount.

    3. The total Balance Transfer amount shall not exceed 21 times the applicant's monthly income or HK$1,200,000 (whichever is lower, subject to ANZ credit approval criteria).

    4. In the case that shopping vouchers (the "Vouchers") are offered, Vouchers will be mailed to the client's local correspondence address. The Vouchers are:
      1. Not replaceable in the event of any loss or damage; and
      2. Only available while stock lasts; and
      3. Not transferable or redeemable for cash; and
      4. Subject to the terms and conditions stated at the back of the Vouchers and/or stipulated by the suppliers.

      ANZ is not the supplier of the Vouchers, any enquiry or complaint in respect of the Vouchers and/or services provided in relation thereto should be directed to the suppliers. ANZ shall have no liability in respect thereof.

    5. Should a client be in breach of these terms and conditions or any other of ANZ's general terms and conditions (whether in relation to a Balance Transfer account or otherwise), ANZ may at its sole discretion refuse to grant any offers under this Programme.

    6. ANZ reserves the right to amend, suspend or discontinue these terms and conditions at anytime without prior notice.

    7. In the case of any disputes arising from or in connection within this Programme, the decision of ANZ shall be final and conclusive.

    8. In the case of any discrepancy between the English and Chinese versions, the English version shall prevail.

  2. Drawdown Reward
    1. Promotion Period: Clients are required to apply for a Balance Transfer from 1 March 2015 and successful drawdown.

    2. Reward: A maximum value of HK$2,000 supermarket shopping vouchers per drawdown.
      Balance Transfer Amount (HK$) Shopping Voucher Amount (HK$)
      100,000 - 199,99 500
      200,000 - 299,999 1,000
      300,000 - 399,999 1,500
      400,000 and above 2,000

    3. The Reward will be offered if:
      1. The client is a New to ANZ Loan Customer ("New to ANZ Loan Customer" means a client who had no instalment loan / balance transfer / tax loan account with ANZ as of 28 February 2015;
      2. The client successfully draws a Balance Transfer of HK$100,000 or above within the Promotion Period;
      3. The repayment period is 12 months or above;
      4. The client applied the loan via online channel; and
      5. The loan account remains valid and in good standing as determined at ANZ’s sole discretion.

    4. ANZ will send out the Vouchers within 4 months after the Balance Transfer drawdown date.

How do I apply?

Apply online icon Apply online now!
 

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Telephone icon ANZ Personal loan hotline 2176 8899.

 

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