Wealth Management Service
Deposit Accounts
Investment Service
Loan Services
Insurance Service
Remittance
Credit Card Service
Safe Deposit Box
e-Banking Services
Self Service Banking
Schedule of Charges
Personal RMB Services
Other Services
Personal Loan

Calculator
Download Forms
Customer Service Hotline
Branch Addresses


Easi-Personal Loan

The "Easi-Personal Loan" provides comprehensive services to meet your financial needs.

  • Loan amount up to HK$1,000,000 or 12 times of your monthly salary, whichever is lower.
  • The higher the loan amount, the lower the interest rate.
  • Privileged Customers are entitled to preferential interest rates.
Instalment Loan
  • Different monthly repayment periods are available to fit your budget.
  • Upon approval, the total loan amount will be directly credited to your designated account with Nanyang Commercial Bank, Ltd.
Easi-Overdraft Facility
  • You are free to withdraw or repay the facility any time.
  • After your repayment, your credit limit will be restored automatically without the trouble of application again.
  • Easy access to your funds through ATMs, cheques and our Branches.
"Easi-Personal Loan" Application Form and Terms and Conditions
"Easi-Personal Loan" Interest Rate and Monthly Repayment Table
Explanation and Example of APR, "Rule of 78" and Repayment for Instalment Loans
Key Facts Statement (KFS) for Instalment Loan and Overdraft Facility

Smart Tips
Do I save interest expenses by making early repayment of personal instalment loan?

Please refer to section E of "Explanation and Example of APR, "Rule of 78" and Repayment for Instalment Loans" above. Please contact our staff if you intend to make an early repayment.

Remarks: 1. NCB reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time. The approval of the loan is subject to NCB's final decision. In case of any dispute, the decision of NCB shall be final. For loan and offer details, interest rates, handling fees, annualised percentage rates, terms and conditions, please contact NCB staff or refer to the application form. 2. In case of discrepancies between the English and Chinese versions, the English version shall prevail.


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