Whether you are planning for a dream wedding, home renovation, overseas education or consolidating your debts, our professional loan specialists provide you with flexible solutions and personalised service to meet your financing needs.

Apply online to enjoy HKD2,000 supermarket shopping voucher for successful loan drawdown.
Draw Down Amount (HKD) Shopping Voucher (HKD)
100,000 - 199,999 500
200,000 - 299,999 1,000
300,000 - 399,999 1,500
400,000 and above 2,000

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Terms and Conditions

ANZ Instalment Loan Programme Promotion Terms and Conditions

  1. General Terms & Conditions:
    1. The promotion period of ANZ Instalment Loan Programme ("Programme") is from 28 May 2014 (the "Promotion Period").
    2. The grant of ANZ Instalment Loan ("loan") 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 loan 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 loan with no obligation to provide reasons.
      1. Monthly flat rate of 0.09% is only applicable to selected individual customers. The annualised percentage rate ("APR") for the monthly flat rate of 0.09% is 2.95% which is calculated based on
        1. loan amount of HK$400,000;
        2. a repayment period of 12 months;
        3. 1% p.a. handling fee of the approved loan amount and
        4. a HK$2,000 supermarket shopping voucher rebate.
      2. 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.
      3. Each applicant must pay a handling fee upon acceptance of the loan, which is 1% of the approved loan 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 loan amount.
    3. The total loan amount shall not exceed 12 times the applicant's monthly income or HK$800,000 (whichever is lower).
    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 loan 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 loan from 28 May 2014 and successful drawdown.
    2. Reward: A maximum value of HK$2,000 supermarket shopping vouchers per drawdown.
      A maximum value of HK$2,000 supermarket shopping vouchers per drawdown.
      Loan Amount (HK$) Shopping Voucher Amount (HK$)
      100,000 - 199,999 500
      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 27 May 2014;
      2. The client successfully draws a loan 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 loan drawdown date.

ANZ Balance Transfer Programme Promotion Terms and Conditions

  1. General Terms & Conditions
    1. The promotion period of ANZ Balance Transfer Programme ("Programme") is from 28 May 2014 (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.
      1. 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.
      2. 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.
      3. 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 28 May 2014 and successful drawdown.
    2. Reward: A maximum value of HK$2,000 supermarket shopping vouchers per drawdown.
      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 27 May 2014;
      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.