Smart financial management

1. The "Personal Accident Protection Plan" and "Involuntary Unemployment Protection Plan" are applicable to customers who have successfully applied for and drawdown a loan under Standard Chartered Personal Instalment Loan and have been enrolled on the plan(s).
   (a) Accident insurance coverage is up to HK$500,000 as a result of death, permanent total disablement or major burns arising within 12 months from an accident occurring in the geographical area of the Hong Kong Special Administrative Region.
   (b) Involuntary Unemployment insurance coverage for each enrolled Personal Instalment Loan Account (the "Account") is up to 3 monthly instalments or HK$20,000 of the Loan (whichever is lower) under each Account. The total number of Accounts entitled to indemnity shall not exceed two. Customers will be covered under this insurance policy as a result of being involuntarily terminated from Permanent and Gainful Employment. This insurance policy does not cover the first 60 consecutive days of each Involuntary Unemployment Period. Please refer to the "Personal Accident Protection Plan" and "Involuntary Unemployment Protection Plan" Service Guarantees for details of exceptions, provisions and terms and conditions. The Service Guarantees will be sent to customers by mail upon approval of Standard Chartered Personal Instalment Loan. The Bank reserves the right to alter or terminate the insurance offers and amend the contents or terms and conditions of the Protection Plans without prior notice at anytime.

# Standard Chartered Bank (Hong Kong) Limited will have a designated staff to follow up with the customer one to two working days after receiving the SMS. Individual telephone network provider will charge for the SMS in accordance with their own policy

1. Standard Chartered Bank (Hong Kong) Limited ("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. Upon successful application for the Standard Chartered Personal Instalment Loan Debt Consolidation Program, all the approved loan amount is to be used for settling the total or part of outstanding balances of other credit cards / personal loans.
3. The Bank will not accept any application of this loan for settling outstanding amount(s) of Standard Chartered Credit Card/Standard Chartered Co-Branded Card / MANHATTAN Credit Card / MANHATTAN Co-Branded Card account(s).
4. Within five working days upon approval of the loan application, the Bank will
   (i) directly pay the approved loan amount to the customer's designated credit card account(s) with other bank(s), where such bank(s) may deduct a handling fee for local telegraphic transfer from the relevant account; and / or
   (ii) send the Cashier's Order(s) with the approved loan amount to customer's correspondent address directly. Upon receiving the Cashier's Order(s), customer should settle the relevant loan(s) by depositing the amount(s) to the designated loan account(s) with other bank(s) / financial institution(s) accordingly; and / or
   (iii) disburse approved loan amount to the repayment account of the relative bank(s) / financial institution(s) directly. Customer should settle the relevant loan(s) by depositing the amount(s) to the designated loan account(s) with other bank(s) / financial institution(s) accordingly. The actual date of payment is determined by individual banks / financial institutions according to their relevant policies and procedures. The Bank will not be liable for any interests, charges or penalties (if any) arising from or in connection with such payment.
5. Until receipt of notification of approval, the customer shall continue to be liable to make payments to such other bank(s) / financial institution(s), in respect of amounts owed to it / them in relation to the loan amount applied under this program. The Bank will not be liable for any overdue payment, interest or charges incurred as a result of non-payment by the customer of the amounts owed to such bank(s) / financial institution(s).
6. Total loan amount drawdown will be subject to a 1.5% per annum handling fee (including insurance service fee). The Bank will deduct the handling charge from the final approved loan amount.
7. 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.
8. In case of any dispute, the decision of the Bank shall be final.

If you are a Hong Kong resident aged 18 or above with a fixed monthly income of HK$5,000 or above, simply apply via the following channels:

Standard Chartered Personal Loan Grand Lucky Draw Result

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Personal Instalment Loan

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Floating Rate Personal Instalment Loan