MoneyEase Instalment Loan

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MoneyEase Instalment Loan programme promotion terms and conditions

1. MoneyEase Instalment Loan programme (“programme”) commences now until 31 July 2012 (“promotion period”).
2. The grant of MoneyEase Instalment Loan (“loan”) is subject to approval by Australia and New Zealand Banking Group Limited, Hong Kong Branch (the “Bank”, which expression will include its successors and assigns). The Bank reserves (a) the right to determine the approved loan amount, interest rate and repayment period according to the credit condition of each applicant and (b) the right of final decision in respect of all applications and approvals of the loan with no obligation to provide reasons.
3. (a) The annualised percentage rate (the “APR”) is 3.91%, which includes 1% p.a. handling fee and is based on the presumptions: (i) a loan amount of HK$500,000; and (ii) a repayment period of 12 months. 
    (b) 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 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.
4. The total loan amount shall not exceed 12 times of the applicant’s monthly income or HK$800,000 (whichever is lower).
5. Successful applicants must fulfill the below requirements in order to enjoy the cash coupon reward (the “reward”):
    (a) the loan drawdown takes place within the promotion period; and
    (b) applicants must not be an existing instalment loan/tax loan/revolving loan/MoneyLine of Credit customer of the Bank; and
    (c) the applicants’ loan account shall remain active and in good condition upon issuance of redemption letter by the Bank (see clause 7 below)
    According to the loan drawdown amount, the Bank will grant the reward in the value as shown below:    

Loan drawdown amount Value of cash coupon to be entitled
HK$10,000 - HK$149,999 HK$100
≥HK$150,000 HK$300

6. Applicants must apply the loan through ANZ HK website and successfully drawdown within the promotion period, in order to enjoy the HK$100 cash coupon online application rewards (the “online reward”). The applicant’s Loan account shall remain active and in good condition upon issuance of redemption letter by the Bank (see clause 7 below).
7. The Bank will issue a redemption letter to each eligible successful applicant (at his/her mailing address) within 3 months after the loan drawdown date for redeeming cash coupon.
8. Successful applicants with loan drawdown amount of HK$150,000 or above will be entitled to membership of ANZ Privilege Club, and can enjoy discount and services provided by selected merchants.
9. The Bank reserves the right to amend, suspend or discontinue these terms and conditions at anytime without prior notice.
10. In the case of any disputes arising from or in connection within this programme, the decision of the Bank shall be final and conclusive.
11. In the case of any discrepancy between the English and Chinese versions, the English version shall prevail.

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