Online Application : HK$200 Supermarket Cash Coupon^{^}
Successfully apply for and drawdown the loan via online to enjoy HK$200 supermarket cash coupon

Product Features

Annualized Percentage Rate (“APR”) as low as 2.88%*
Loan amount up to 16 times of monthly salary or HK$3,000,000 (whichever is lower)
Tenor up to 60 months
Loan amount will be credited to your designated bank account directly
HK$0 Handling fee

*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.

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Online Application	Apply Online
Hotline Application	Fubon Personal Loan Express Approval Hotline : 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 apply via Fubon Bank website or Fubon GO Mobile App and draw down the loan between 1 November 2024 and 2 January 2025, both dates inclusive will be entitled supermarket cash coupon of HK$200. Cash Coupon(s) redemption letter will be mailed to customer's correspondent address within 1 month after successful drawdown.

• 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.

• Terms and Conditions of Personal Loan for Selected Fubon Customers

1. Applicants must be Hong Kong permanent residents over 18 years old and annual income at HK$60,000 or above.
2. Personal Loan for Selected Fubon Customers is only applicable to designated Fubon Bank (Hong Kong) Limited (the “Bank”) customers. The Bank reserves the final right to determine the designated Bank customers to be offered with such Personal Loan without any explanation.
3. Personalized interest rate offered is determined based on customers’ credit quality and the personal information submitted. Annualized Percentage Rate (“APR”) as low as 2.88% is calculated based on a monthly flat rate of 0.126%, loan amount of HK$1,200,000 and repayment period of 18 months. 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.
4. The interest rate is determined based on customers’ relationship with the Bank, customers’ credit quality and the personal information submitted. After the application is taken on-line, customers will be announced the interest rate. To be entitled to the interest rate and/or other privileges, customers must apply and successfully drawdown the loan between 1 November 2024 and 2 January 2025, both dates inclusive.
5. The Bank will disburse the loan amount directly to the customer’s designated bank account 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.
6. Customer has to submit the required personal information and/or all necessary documents to Fubon Bank (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.
7. 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.
8. The Bank reserves the right to offer other interest rates, loan tenors or personal loan plans subject to the approval result of each customer.
9. If the Cash Coupon(s) are out of stock, 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.
10. The Bank reserves the right to suspend, vary or cancel the promotion offer and amend the relevant terms and conditions at 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.
11. 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.
12. 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.

• Fixed Term Personal Loan Terms and Conditions