ANZ Instalment Loan

Whether you are planning for home renovation, car purchase, further study, or need instant cash out to deal with unexpected expenses, ANZ Instalment Loan provides flexible solutions to suit your needs with preferential interest rate.

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  • Preferential interest rate
    Monthly flat rate as low as 0.09% (APR 2.95%)1
  • Maximum loan amount
    Borrow up to 12 times your monthly income or HK$800,0002
  • 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 Instalment Loan drawdown3

  • Apply online now or Call our application hotline at 2176 8899.
ANZ Instalment Loan Monthly Repayment Table4
Loan amount (HK$) Flat rate per month

Repayment Period

(months)

12 24 36 48
$400,000 0.09% Monthly repayment5 (HK$) $84.66 $43.21 $29.40 $22.50
APR6 2.95% 3.56% 3.77% 3.88%

The above table is for illustration purposes only.

Remarks

1   a. 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
           i.  loan amount of HK$400,000;
           ii. a repayment period of 12 months;
           iii. 1% p.a. handling fee of the approved loan 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 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.

2 The total loan amount shall not exceed 12 times the applicant's monthly income 
or HK$800,000 (whichever is lower). 

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.

4 We reserve the right to determine the applicable interest rate and acceptance 
of a loan application, which is to be considered on a case-by-case basis in accordance with the customer‘s credit record and other relevant factors. Hence, the final applicable interest rate and repayment amount for individual customers might be different.

5 Monthly repayment for every HK$1,000 loan amount.

6 The Annualized Percentage Rates (“APR”) are calculated based on the guidelines as set out in the Code of Banking Practice and are for reference only. Calculation 
of the APR has taken into account a handling fee of 1% (per annum) and supermarket shopping vouchers rebate (if applicable). 

 

Please input the desired loan amount and repayment period to calculate the monthly repayment.

 

The above table is for illustration purposes only.

^ We reserve the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the customer's credit record and other relevant factors. Hence, the final applicable interest rate and repayment amount for individual customers might be different.

# The Annualized Percentage Rates ("APR") are calculated based on the guidelines as set out in the Code of Banking Practice and are for reference only. Calculation of the APR has taken into account a handling fee of 1% (per annum) and supermarket shopping vouchers rebate (if applicable).

 

ANZ Instalment Loan Programme Promotion Terms and Conditions

  1. General Terms & Conditions:
    1. The promotion period of ANZ Instalment Loan Programme ("Programme") is from 1 March 2015 (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 1 March 2015 and successful drawdown.

    2. Reward: 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 28 February 2015;
      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.

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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