TAX LOAN

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Chong Hing Tax Loan 

 

“Key Facts Statement” (click here)

 

Borrow with ease, live with joy!

 

Loan Features:

  • Annualised Percentage Rate (APR) as low as 1.28%(1)
  • Loan amount up to HK$3,000,000, or 12 times of monthly salary (whichever is lower)(2)
  • Loan repayment period of up to 24 monthS(2)
  • 7 days Cooling-off Period(3)

 

Interest Rate Table of "JoyLend" Tax Loan (click here)

 

New Customer(4) Reward(7)

From now until 31 March 2027, New Customers who successfully apply for a “JoyLend” Tax Loan, open a savings account or current account through any branch in Hong Kong of the Bank or via Chong Hing Mobile Banking “Remote Account Opening”, and hold designated banking services(5) with the Bank. Concurrently drawn down the loan on or before 30 April 2027 and meets the Bank’s designated loan amount and loan tenor requirements may enjoy a cash reward of up to HK$20,000(6).

Offers are subject to relevant terms and conditions. (click here for details)

 

Extra Reward(7) and Prestige Reward(7)

From now until 31 March 2027, New Customers who fulfill designated requirements and successfully apply for a “JoyLend” Tax Loan and draw down the loan on or before 30 April 2027 may enjoy an Extra Cash Reward of HK$300 and / or a Prestige Cash Reward of HK$500.

Offers are subject to relevant terms and conditions. (click here for details)

 

Easy Application, Act Now !

Customers can apply for the "JoyLend" Tax Loan through the following channels:

  • 24-Hour Online Application: (click here)
  • Chong Hing Mobile Banking
  • Chong Hing Loan Application Hotlineļ¼š3768 6899(8)
  • Visit any branch of the Bank in Hong Kong in person

 

Remarks:

(1) and (2)  The Annualised Percentage Rate (“APR”) ranges from 1.28% to 27.40%, with a repayment periods of 12 to 24 months. APR is calculated according to relevant guidelines set out by The Hong Kong Assocation of Bank, and is rounded up or down to the nearest two decimal places. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product, expressed as an annualised rate. The actual APR may differ from individual customers. The final approved loan amount and/or interest rate will be subject to the financial status and credit check results of the customers. The Bank reserves the right of final decision on the interest rate and approval results, which shall be binding on customers and applicants.
  Reference example: For a loan amount of HK$3,000,000, an APR of 1.28% is calculated based on a monthly flat rate of 0.0577% and a 12-month repayment period (with all handling fee waiver).
(3)  For details of "7 days Cooling-off Period", please refer to the "General Terms for "JoyLend" Tax Loan".
(4)  “New Customer” refers to customer (either in sole name and / or jointly) who has not held any account, product or service with the Bank at any time during the past 12 months.
(5)  “Designated Banking Services” include 1) payroll account, 2) private banking, 3) exceed banking, 4) go banking, 5)credit card, 6) mortgage, 7) open investment account and complete the investment profile questionnaire and vulnerable customer assessment, and 8) complete the foreign currency exchange transaction with aggregate amount of HK$30,000 (or equivalent to HKD) or above.
(6)  New Customer Reward details are as follows:
 
(7)  No eligible customer shall be entitled to receive the rewards of Welcome Reward, Extra Reward and Prestige Reward for more than once each.
(8)  Service hours of the Chong Hing Loan Application Hotline are from 9:00 am to 6:00 pm on Mondays to Fridays, and 9:00 am to 1:00 pm on Saturdays.

 

 

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To borrow or not to borrow? Borrow only if you can repay!
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General Terms for "JoyLend" Tax Loan (“Loan”):

  1. The promotion of Chong Hing Tax Loan is from 20 October 2026 until 31 March 2027 (both dates inclusive) (“Promotion Period”).
  2. Applicant aged 18 years or above holding a Hong Kong Identity Card (“Eligible Customer”) is eligible to apply for “JoyLend” Tax Loan. Applicant may apply through the website of Chong Hing Bank Limited (the “Bank”), Chong Hing Mobile App, Chong Hing Loan Application Hotline or visiting any local branch of the Bank. The Bank shall base its consideration on the relevant approval requirements, including but not limited to the Eligible Customer’s financial status and credit search results, and determine whether or not to approve any Loan application and the final interest rate. The Bank has no obligation to disclose the reason of such determination. Eligible Customer whose Loan application is successfully approved shall receive the Bank’s notification of the approval result and Loan details by phone. If the approved Loan is not drawn in full within 30 days from such notification, the Bank’s approval shall be deemed as revoked and cancelled automatically without notice. The Bank may at its sole discretion adjust the approved Loan terms and conditions. Regarding the disbursement and drawing of the approved Loan, the applicant irrevocably instructs and authorises the Bank to disburse/credit the Loan proceeds into the applicant’s repayment account with the Bank, and/or to disburse according to the applicant’s request which shall be deemed as drawn by the applicant. After full drawdown of the Loan successfully applied for within the Promotion Period, the Bank shall send its official Drawdown Advice to the customer concerned for record.
  3. The minimum Loan amount is HK$10,000, and the maximum is up to HK$3,000,000 or 12 times the Eligible Customer’s monthly salary (whichever is lower).
  4. Loan repayment tenor may be of 12, 18 or 24 months respectively.
  5. If the Loan application by an Eligible Customer does not fulfill the approval requirements of “JoyLend” Tax Loan, the Bank may consider providing other loans of the Bank on a case-by-case basis with the consent of the Eligible Customer (if applicable). However, the interest rate, handling fee and/or repayment period of such other loan may be adjusted. The Bank will inform the Eligible Customer of such other loan’s finalised terms and conditions. If the Eligible Customer accepts the adjusted loan terms and conditions of such other loan, the Bank will credit such other loan approved into customer’s designated repayment account at the Bank according to the relevant procedures.
  6. The Bank’s “Terms and Conditions for Personal Instalment Loan” are also applicable to “JoyLend” Tax Loan. Please visit the Bank’s website for the details and for the Repayment Example of Chong Hing Personal Instalment Loan.
  7. After approval of the Eligible Customer’s Loan application (if granted), the Bank shall lend to the Eligible Customer the Loan subject to the “General Terms for “JoyLend” Tax Loan”, the Drawdown Advice issued by the Bank, terms of promotional offers (if applicable) and the “Terms and Conditions for Personal Instalment Loan”. After drawdown of the Loan, the Eligible Customer is deemed to have agreed to be bound by (in the event and to the extent of any inconsistencies among contents of the aforesaid documents, which shall be governed in descending priority of precedence as follows): the Drawdown Advice issued by the Bank, the “General Terms for “JoyLend” Tax Loan”, the “Terms and Conditions for Personal Instalment Loan”, terms of promotional offer (if applicable) and the “Account Terms”.
  8. The Bank reserves the right to cancel or amend the promotional offer (if applicable) and the “General Terms for “JoyLend” Tax Loan” without any notice.
  9. Customer will be entitled to the right of 7-day cooling-off period after the drawdown of the Loan. To exercise this right and be exempted from the applicable prepayment fees and Loan interest, the internet banking or mobile banking customers with the Bank could complete the full prepayment instantly through internet banking or mobile banking within 7 business days immediately following the Loan drawdown date. Other customers shall notify the Bank within 7 business days immediately following the Loan drawdown date by contacting the Bank’s customer service hotline at 3768 6899, sending an email to customerservice@chbank.com, or visiting any local branch in person to apply for full prepayment. Concurrently, within 10 business days immediately following the Loan drawdown date, the customer shall deposit the full Loan principal amount into the customer’s repayment account held with the Bank and visit any local branch of the Bank in person to complete the prepayment procedures. Customers who have exercised the right of early prepayment of the Loan in full within the 7-day cooling-off period will not be eligible to any loan promotional offers.
  10. The Chinese translation of the “General Terms for “JoyLend” Tax Loan” is provided for reference only. In case of any inconsistencies between the English and Chinese versions, the English version shall prevail.
  11. In case of any disputes arising from the “General Terms for “JoyLend” Tax Loan”, the Bank reserves the right of final decision at its sole discretion which shall be binding on the customers and applicants concerned.
  12. Terms and Conditions for Personal Instalment Loan (click here)
  13. Repayment Example of Chong Hing Personal Instalment Loan (click here)

Apply Now:
(852) 3768 6899