Standard Chartered Personal Instalment Loan

Flexible use of funds

Personal instalment loan for your education, mortgage, medication need or any other surprises.

Loan feature	Manage your financial plan with budgeted repayment amount.
Loan amount	Up to HK$1,200,000 or 10x of your monthly salary (whichever is lower).
Loan tenor	A choice of 12 to 60 months.
Fund disbursement	Funds will be disbursed to designated account.
Flexible refinancing	You may withdraw your available loan amount via Standard Chartered ATM or JETCO machines.

Successfully apply for and drawdown Standard Chartered Personal Instalment Loan to enjoy the following:

Monthly repayment table^

Loan amount (HK$)	Interest rate (Monthly flat)	Monthly repayment amount (per HK$1,000) Annualized Percentage Rate*
		Loan tenor
		12 months	24 months	36 months	48 months	60 months
$5,000 - $19,999	0.38%	11.76%	12.20%	12.34%	12.39%	12.42%
		$87.14	$45.47	$31.58	$24.64	$20.47
$20,000 - $49,999	0.24%	8.42%	8.78%	8.91%	8.99%	9.05%
		$85.74	$44.07	$30.18	$23.24	$19.07
$50,000 - $199,999	0.19%	7.24%	7.56%	7.69%	7.78%	7.84%
		$85.24	$43.57	$29.68	$22.74	$18.57
Interest rebate					6 months	12 months
$200,000 - $499,999	0.14%	6.07%	6.35%	6.47%	6.07%	5.83%
		$84.74	$43.07	$29.18	$22.24	$18.07
$500,000 or above	0.04%	3.75%	3.94%	4.03%	3.96%	3.93%
		$83.74	$42.07	$28.18	$21.24	$17.07

The above table is for illustration purposes only.

^ We reserve the right to determine the applicable interest rate and acceptance of a loan application, which is to be considered on a case-by-case basis in accordance with the customer's credit record and other relevant factors.

* The Annualized Percentage Rates ("APR") in parentheses above are calculated based on the Net Present Value Method in accordance with the Code of Banking Practice. Interest is calculated on the basis of a 365-day year. Calculation of the APR has taken into account a handling fee of 1.5% (per annum) and the Interest Rebate Offer (if applicable).

Standard Chartered Personal Instalment Loan Program Terms and Conditions

1. The Bank reserves the right of final approval of this application and is under no obligation to provide reasons. The Bank also reserves the right to determine the final interest rate, loan amount and offers offered.
2. Total loan amount drawdown will be subject to a 1.5% per annum handling fee. The Bank will deduct the handling charge from the final approved loan amount.
3. The Bank reserves the right to alter or terminate the offer and amend the contents or terms and conditions of this promotional leaflet at any time.
4. In case of any dispute, the decision of the Bank shall be final.

The prevailing pricing is offered to you based on the credit assessment upon your loan approval. The Bank has the right to modify your pricing with 30 days advance notice based on the credit assessment from time to time including, but not only limited to, your repayment record, credit bureau grading and the Bank's prevailing credit policy. Besides 30 days advance notice, the Bank will attempt to do this with minimal change in your instalment amount.

Please click here for the relevant terms and conditions.