Fubon “EZ Cash” Personal Loan

Key Facts Statement for Fubon “EZ Cash” Personal Loan

Accept all types of income proof! Whatever you have full-time or part-time job right now, and either work as an employee or a self-employed individual, Fubon “EZ Cash” Personal Loan provides you with extra cash simply by providing any kinds of the latest 1-month documentary income proof.

Apply now and enjoy below fabulous offers on or before 2 January 2025:

Rewards up to HK$2,300⁺

1. Loan Drawdown : Up to HK$2,000 Supermarket Cash Coupon
Successfully drawdown the loan below with 12 months tenor or above can receive supermarket cash coupon:

Loan Amount	Supermarket Cash Coupon
HK$80,000 - HK$179,999	HK$800
HK$180,000 or above	HK$2,000

2. Online Application : HK$300 Supermarket Cash Coupon
Successfully apply for and drawdown the loan via online to enjoy HK$300 supermarket cash coupon

Product Features:

Accept all types of income proof: Applicable to all kinds of the latest 1-month income proof^#, including salary proof paid in cash
Annualized Percentage Rate (“APR”) as low as 4.08%^. Daily interest as low as HK$13⁺*
Loan amount up to 8 times of monthly salary or a maximum of HK$200,000 (whichever is lower)
Tenor range from 6 to 48 months^{^}
No early repayment fee
HK$0 handling fee

^#Fubon Bank reserves the right to obtain additional income proof documents.
^*The Annualized Percentage Rate ranges from 4.08% to 34.10%, with repayment period of 6 to 48 months. APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.

⁺Example

Assume loan amount of HK$200,000 with tenor of 6-month, daily interest will be: HK$200,000 X monthly flat rate 0.1951% ÷ 30 days = HK$13

APR of the above example is 4.08%. APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.

Apply Now

Online Application	Apply Online
Hotline Application	Fubon Personal Loan Express Approval Hotline at 2806 5050

The promotion is subject to relevant terms and conditions.

To borrow or not to borrow? Borrow only if you can repay!

Terms and Conditions

⁺Terms and Conditions of “Supermarket Cash Coupons” Offers

Customers who submit application of the Fubon “EZ Cash” Personal Loan and successfully drawdown with loan amount HK$80,000 or above and tenor of 12 months or above on between 30 September 2024 and 2 January 2025 , both dates inclusive will be entitled up to HK$2,000 supermarket coupons (“Cash Coupon(s)”). Besides, customers who apply loans via Fubon Bank website or Fubon GO Mobile App and draw down will be entitled extra supermarket cash coupon of HK$300. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 1 month after successful drawdown. If the Cash Coupon(s) are out of stock, Fubon Bank (Hong Kong) Limited (the “Bank”) has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.

Promotion Code Terms and Conditions (Only applicable to applications starting from 14 August 2024)

Customers who submit application and drawdown of the Fubon Personal Loan via Fubon Bank website or Fubon GO Mobile App, within the promotion period as stated in the relevant advertisement, and enter designated promotion code will be entitled extra supermarket cash coupon. Only one promotion code can be applied for each application. Each customer can use promotion code once only during the designated promotion period. The Bank will not be liable if a customer fails to input the promotion code when conducting the application. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 1 month after successful drawdown. If the Cash Coupon(s) are out of stock, Fubon Bank (Hong Kong) Limited (the “Bank”) has the sole discretion to offer a different coupon as replacement. Cash Coupon(s) are not exchangeable with cash. The use of Cash Coupon(s) shall be subject to the terms and conditions stated on the Cash Coupons. Cash Coupon(s) are provided by respective merchant and the Bank makes no representation or guarantee as to the quality and availability of the products, services, or information provided by the merchant. The Bank shall not be liable for any matters arising from or in connection with the products, services, or information provided by the merchant.

Fubon “EZ Cash” Personal Loan Terms and Conditions

To enjoy the interest rate, and/or other privileges, customers must submit the application of the Fubon “EZ Cash” Personal Loan and successfully drawdown on between 30 September 2024 and 2 January 2025, both dates inclusive .
All applicants must be Hong Kong permanent residents over 18 years old and annual income at HK$60,000 or above.
Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. Annualized Percentage Rate (“APR”) as low as 4.08% is calculated based on a monthly flat rate of 0.1951%, loan amount of HK$180,000 and repayment period of 6 months. For a loan amount of HK$100,000 with 12 months repayment period, Annualized Percentage Rate (“APR”) is 7.5%, the monthly flat rate applicable is 0.331%, and the total loan repayment amount is HK$103,972 (0% handling fee). The above example is for reference only. APR for each customer may vary and subject to final approval result. The above APR, calculated in accordance with the guidelines as set out in the Code of Banking Practice, is a reference rate expressed as an annualized rate which includes the basic interest rate of the loan.
Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (Hong Kong) Limited (the “Bank”) for final approval after the preliminary approved result has been obtained. Final approval of the application will be subject to the Bank’s decision upon collection of the necessary documents. The Bank reserves the final decision to disapprove any application and determine the approved loan amount.
Customer is required to provide Telephone Banking Identification Number (“TIN”) for customer identity authentication when performing enquiry of the new personal loan account via the Fubon Bank Integrated Customer Service Hotline after successful approval of the loan. Please visit any Fubon Bank branches in person to apply if you do not have a TIN after loan drawdown. TIN will then be sent to you by mail.
The Bank will disburse full loan amount directly to the customer’s designated bank account within 4 -7 working days after successful approval. The corresponding confirmation letter will be mailed to customer. The designated bank (except the Bank) may impose a service charge on the customer's designated bank account for the remittance.
The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive. Should there be any inconsistency between the English and Chinese versions of the terms and conditions, the English version shall prevail.
Other than the bank and the customer, no third party will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the terms and conditions herein.
These terms and conditions are governed by the laws of the Hong Kong and the customer agrees to submit to the non-exclusive jurisdiction of Hong Kong courts in respect of any dispute which may arise out of or in connection with these terms and conditions.

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