Debt Consolidation

Key Facts Statement Apply Now

Get ready for financial freedom with Debt Consolidation Programme

Saved Interest up to 95%

Handling Fee

Loan Tenor

up to 84 months

Loan Amount

Up to 24X monthly salary or HKD 2,000,000 (whichever is lower)

Eligibility

Hong Kong resident aged 20 or above

Fixed annual income of HKD96,000 or above

Required Documents

Your Hong Kong Permanent Identity Card

Your latest residential address proof showing your name

For regular income earners, please enclose your latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 1 month’s computer generated Payroll Slip, or latest Tax Demand Note

For irregular income earners, please enclose your latest 3 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 3 month’s computer generated Payroll Slip, or latest Tax Demand Note

For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note

Note: The bank reserves the rights of requiring more supportive documents for further review.

^New Clients are applicants who are not holding any loans and/or credit cards issued by the Bank at the time of this application

The Monthly Flat Rate shown above is for reference only. The actual monthly flat rate will be subject to the Bank’s approval on a case-by-case basis. The Annualised Percentage Rate (“APR”) is 4.67% (based on the loan amount of HKD200,000 or above with tenor of 36-month and the actual Monthly Flat Rate). An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include CashBack. The preferential interest rates are only applicable to clients who are not holding any Standard Chartered Credit Cards at the time of this application. The Bank reserves the right to determine the applicable interest rate and handling fee, and to approve a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors as the Bank may consider in its absolute discretion. All offers are subject to Terms and Conditions.
The Annualised Percentage Rate ranged from 4.67% to 36% and flexible repayment period of 12 to 84 months. An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include CashBack. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors.

The operating hours of our Loan Application Hotline are from Monday to Friday: 10am – 7pm.

General Terms and Conditions for Standard Chartered Personal Instalment Loan Debt Consolidation Program

Summary of Terms and Conditions for Personal Instalment Debt Consolidation Program

Terms and Conditions for Bonus Payroll Account Welcome Offer

Up to HKD 21,000 CashBack

Apply Now

CashBack Table	Tier 1	Tier 2	Tier 3	Tier 4	Tier 5
Loan Amount fromCashBack – 12-84 months	^HKD100,000	^HKD500,000	^HKD700,000	^HKD100,000	^HKD1.500,000
CashBack – 12-84 months	^HKD800	^HKD3,000	^HKD5,000	^HKD11000	^HKD20,000
For new clients^ – 36-84 months	+ additional ^HKD 1,000
The Annualised Percentage Rate ranged from 4.67% to 36%. and flexible repayment period of 12 to 84 months. An APR is a reference rate which includes the basic loan interest rate and other applicable fees and charges of a product expressed as an annualised rate. This APR does not include CashBack. The Bank reserves the right to determine the applicable interest rate and handling fee and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the client’s credit records and other relevant factors. Apply Now

CashBack Table