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Personal Loan Terms and Conditions

A. 1-hour loan disbursement remarks
Clients must submit the Standard Chartered Personal Instalment Loan application with all the required information during our service hours (Monday-Friday: 9am-5pm, except Saturday and public holidays).  Processing will start only after all the required information has been successfully input into our system, and shall be subject to the actual circumstances of each individual case. 1-hour loan disbursement service will be provided upon clients’ requests.  Clients have to provide all required documents and have valid and existing accounts with the Bank to be assigned for fund disbursement.  Processing will be started only after the loan is approved, and shall be subject to the actual circumstances of each individual case.

B. Terms & Conditions for 7-day Service Pledge

  1. 7-day Service Pledge may be applied by clients who have successfully applied for and drawdown a Standard Chartered Personal Instalment Loan (“Loan”) but wish to early redeem the Loan in full within 7 calendar days of the drawdown date.
  2. Any application for the 7-day Service Pledge has to be made by the relevant client in person at any of our branches within 7 calendar days of the Loan drawdown date.  The relevant client must also bring along the Bank’s approval notice in respect of the Loan and settle the Loan in full to the Bank’s satisfaction.  Subject to the Bank’s approval of such application, the Bank will waive the handling fee, the early redemption penalty (2.5% of the initial loan amount) and the first month’s interest payable by the relevant client under the Loan. Clients who have enjoyed this 7-day Service Pledge is not entitled to the Interest Rebate Offer.
  3. The 7-day Service Pledge can only be enjoyed by each client once during the promotion period.

 

C. Terms and Conditions for Online Exclusive Offer:
  1. The promotion period for the Online Exclusive Offer is from 1 September 2017 to 31 December 2017 (the “Promotion Period”).
  2. Clients who successfully apply for and drawdown the Standard Chartered Personal Instalment Loan (“Loan”) online during the Promotion Period can enjoy up to 4,000 Asia Miles™ or designated cash coupon of up to HK$400 (“Coupon”). Clients can get extra 1,000 Asia Miles™ or HK$100 Coupon if they submit all required documents within 7 calendar days upon application. The eligibility for the Asia Miles/ Coupon and Preferential Interest Rate shall depend on the Loan amount drawn down and loan tenor, the details are set out in the table below:
    Loan Amount (HK$) Asia Miles / Coupon (HK$) for submission of all required documents within 7 calendar days Asia Miles / Coupon (HK$) for successfully drawdown the Loan on or before 31 December 2017 Total Asia Miles / Coupon
    (HK$)
    Applicable to Loan Tenor 12 and 24 months
    $200,000 or above content1,000 or $100 content1,000 or $100 content2,000 or $200
    Applicable to Loan Tenor 36, 48 and 60 months
    $50,000 – $99,999 content1,000 or $100 content1,000 or $100 content2,000 or $200
    $100,000 – $199,999 content1,000 or $100 content2,000 or $200 content3,000 or $300
    $200,000 or above content1,000 or $100 content4,000 or $400 content5,000 or $500
  3. To be eligible for the Asia Miles/ Coupon, eligible client’s Loan account must be valid with no past due or unsatisfactory credit history as determined by the Bank in its sole discretion in order to enjoy the Asia Miles/ Coupon.
  4. For any Asia Miles reward, eligible clients must have an Asia Miles membership account. Otherwise, an Asia Miles membership account must be set up for the entitlement of the miles. Eligible clients must have successfully registered online within 1 month from the Loan drawdown date with valid Asia Miles membership information in the name of the eligible clients via the online registration form on sc.com/hk/AM to enjoy the relevant Asia Miles. Successful registration cannot be cancelled.
  5. The Bank will forward the relevant information, including valid Asia Miles membership number and English full name of the eligible client, as well as the entitled amount of miles, if any, to Asia Miles Limited only for fulfilment purpose. Relevant Asia Miles will be credited directly to the eligible client’s Asia Miles membership account on the third month after the Loan drawdown. In case the information submitted is incorrect or insufficient as considered by the Bank or Asia Miles Limited or if any of the criteria relating to this Offer has not been met, the Bank reserves the right to cancel or forfeit absolutely the entitlement under this Offer in its entirely. For the avoidance of doubt, Terms and Conditions of Asia Miles shall apply for mileage redemptions. For details, please visit www.asiamiles.com.
  6. Terms and Conditions of Asia Miles™ apply for redemption and/or use of Asia Miles. For details, please visit www.asiamiles.com. The Bank is not obliged to notify you of any changes or latest announcements of Asia Miles Limited. Clients understand and accept that the Bank is not supplier of the redeemed items (including Asia Miles). The Bank shall bear no liability relating to any aspect of the Asia Miles and/or redeemed items, including without limitation, their quality, the supply, the descriptions provided by the supplier, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the Asia Miles and/or redeemed items provided by the supplier, its employees, officers or agents.
  7. For those eligible clients who do not successfully register for the Asia Miles reward will be entitled to a coupon reward. The redemption letter of the Coupon will be sent out by mail to the respective eligible client’s correspondence address as provided in the online application form on the third month after the Loan drawdown.
  8. The Bank also reserves the right to terminate the offer and to vary or modify any of the terms and conditions herein from time to time. In case of any disputes, the Bank’s decision shall be final and binding.
  9. If there is any inconsistency or conflict between the English and the Chinese versions, the English version shall prevail.
D. Terms & Conditions for Online Application Service Pledge
    1. The Online Application Service Pledge (“Service Pledge”) is only applicable to clients who apply for any Standard Chartered Personal Loans (including Personal Instalment Loan and Debt Consolidation Program) by successfully completing all the required data and submitting the online application forms via the Bank website www.sc.com/hk and providing a valid mobile phone number.
    2. Under the Service Pledge, for any online applications received before 12:00 noon of any business days, a designated staff of the Bank will follow up the applications with clients by calling the contact phone number provided by the clients on the application within the same day before 5:00 p.m. If the online applications are received after 12:00 noon or during non business days, the designated staff of the Bank will follow up the applications with clients on the next business day before 2:00 p.m. If clients cannot be contacted by phone number(s) provided in the application within the above mentioned time, a notification SMS will be sent to clients’ mobile number as provided in the online application forms within the same day. The language of notification SMS will be subject to the language of clients’ by completing online application forms.
      The Bank received online applications Bank Staff made follow-up calls
      Before 12:00 noon on any business days Same business day before 5:00 p.m.
      After 12:00 noon on any business days or during non business days Next business day before 2:00 p.m.

       

    3. In any circumstances where the Bank fails to contact client by phone and fails to send out SMS to clients according to requirement stated in point 2 above, a HK$100 Supermarket Cash Coupon (“Coupon”) will be offered to the client. The Coupon will be sent by mail to clients’ correspondence address as provided in the online application form, on or before 31 December 2017. To be eligible for this Coupon, the loan applications should not be cancelled by the clients before the Bank’s final decision.
    4. Whether the SMS successfully reach the relevant clients will be subject to the record of SMS network provider of the Bank.
    5. The Service Pledge is not available to those online applications with invalid / no correspondence address provided.
General Terms and Conditions for Online Offers
  1. Online Offers consist of offers in sections A – D above.
  2. Unless otherwise specified, the Online Exclusive Offers cannot be used in conjunction with any other promotional offers.
  3. The Coupon (as defined under Section C and D) is not transferable, returnable or redeemable for cash. The use of the Coupon is subject to the terms and conditions as stipulated by the supplier (if applicable).
  4. Clients understand and accept that the Bank is not the supplier of the products/services purchased from the merchant (including the Coupon). The Bank shall bear no liability relating to any aspect of the products/services/coupon, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant, any false trade description, misrepresentation, mis-statement, omission, unauthorised representation, unfair trade practices or conduct in connection the products / services / coupon provided by the merchant, its employees, officers or agents.
  5. The Bank reserves the right to amend or terminate the above offers and any of the above terms and conditions from time to time. For any and all matters or disputes regarding the above, the Bank’s decision shall be final and binding.
  6. In case of discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.