Choose the Right Loan Products - Loans

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Tenor
Personal Instalment Loan
Personal Instalment Loan
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All Hong Kong residents aged 20 or above; and
With a fixed annual income of HK$96,000 or above

Planned events eg. wedding, home furnishing

Instalment

Disbursed directly to customers' designated account

Direct Debit

Fixed monthly repayment amount as specified upon loan approval

Up to 18 times of monthly income or HK$2,000,000 (whichever is lower)

12 - 60 months

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Debt Consolidation Personal Instalment Loan
Debt Consolidation Personal Instalment Loan
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All Hong Kong residents aged 20 or above; and
With a fixed annual income of HK$96,000 or above

Settle high interest loan / credit card outstanding

Instalment

Credit to other financial institutes or issue cashier's order to settle outstanding balance.

Direct Debit

Fixed monthly repayment amount as specified upon loan approval

Up to 18 times of monthly income or HK$2,000,000 (whichever is lower)

12 - 72 months

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Revolving Cash Card
Revolving Cash Card
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All Hong Kong residents aged 18 or above; and
With a fixed annual income of HK$96,000 or above

Unplanned events eg. car fix, medical expense

Revolving

Withdraw available fund at any JETCO ATM or purchase through EPS

Direct Debit or credit into loan account

Total outstanding billed interest, fees and charges and minimum 0.5% of total outstanding

Up to 4 times of monthly income or HK$800,000 (whichever is lower)

N/A

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Personal Line of Credit
Personal Line of Credit
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All Hong Kong residents aged 18 or above; and
With a fixed annual income of HK$96,000 or above

Standby credit to manage cash flow

Revolving

Withdraw available credit limit through Standard Chartered Bank current account or cheque issuing

Credit into loan account

Minimum 3% of the statement balance or HK$50 (whichever is higher)

Up to 4 times of monthly income or HK$800,000 (whichever is lower)

N/A

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