Bank of Communications (Hong Kong) Limited

Remarks:

Customer may choose to drawdown the loan within 30 calendar days from the loan approval date, and drawdown date must be a Business day of the Bank, must not be a Saturday, Sunday or Hong Kong Public holiday (e.g. for loan approved on 27 May 2024, customer may choose to drawdown the loan on any business day between 27 May 2024 and 26 June 2024). Interest shall be charged on the loan amount at the applicable interest rate (which will be stated in the Loan Confirmation Letter) starting on the date the Bank disburses the disbursement amount to the Customer until full repayment of the relevant loan. The first repayment date will be one month after the drawdown date. If the monthly repayment date falls on a Saturday, Sunday or General Holiday, then repayment will become due on the business day of the Bank after that designated repayment day provided that if that business day falls on a date of another calendar month, payment will instead become due on the business day of the Bank prior to that designated repayment date.

Annualized Percentage Rate ("APR") of 2.35% is only applicable to new-to-bank BComBEST Private Services Customers of our Bank, and calculated based on a monthly flat rate of 0.021%, with loan amount of HKD1,000,000 and repayment tenor of 12 months and includes an annual handling fee of 1%.

Loan amount of DreamCash Personal Loan is up to 12 times of monthly salary or HKD2,000,000 (whichever is lower), and the minimum loan amount is HKD10,000 and must be in multiples of HKD1,000. The final loan amount will be subject to the circumstance of individual customer. The approval of the loan (as well as the final approved loan amount) is subject to the Bank's final decision.

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For details of the Spending Reward, please refer to the Terms and Conditions for Promotion Offers.

Remarks of interest rate table :

The interest rate table is only applicable to Selected Customers, Selected Customers are required to use the account in the Bank for disbursement and repayment in order to enjoy the corresponding interest rate in the interest rate table. Selected Customers includes professionals (professionals are defined to include doctors, pharmacists, accountants, barristers, solicitors, architects, surveyors, engineers, airline transport pilots, actuaries etc.), non-contract based civil servant with salary of HKD30,000 or above, full-time teachers of universities/ tertiary institution/ secondary/ primary school, BComBEST Private Services Customers, BComBEST Services Customers and Mortgage Customers of the Bank. During the promotion period, new customers (who did NOT hold any saving account(s) in the Bank in the past 12 months) who successfully applied for BComBEST Private Services/BComBEST Services Customers and fulfill the relationship balance requirement of the corresponding service, can enjoy preferential interest rate of 0.043% (APR 2.85%) on loan amount of HKD500,000 - HKD999,999 with repayment tenor of 12 months; new customers of BComBEST Private Services can also enjoy preferential interest rate of 0.021% (APR 2.35%) on loan amount of HKD1,000,000 - HKD2,000,000 with repayment tenor of 12 months. The Bank reserves the discretion to interpret the definition and scope of "Selected Customers".

ii.

The Annualized Percentage Rate (APR) is calculated based on the loan amount of HKD100,000, HKD200,000, HKD500,000 and HKD1,000,000, including an annual handling fee of 1%.

iii.

Monthly repayment amount is calculated on the basis of every loan amount of HKD1,000.

iv.

The Interest Rate Table is for reference only. The APR is calculated according to the guideline set out in the Code of Banking Practice and rounded up/down to the nearest two decimal places. APR is a reference rate, which includes all applicable loan interest rates, fees and charges of the loan product, expressed as an annualised rate.

The handling fee is charged at 1% of loan amount per annum. If the loan tenor is shorter than 1 year, it shall be deemed to be 1 year.

vi.

The actual APR and monthly repayment amount applicable to individual customers may differ, customers should refer to the loan confirmation letter for the actual related information.

vii.

For the actual APR applicable to General Customers of DreamCash Personal Loan, please refer to the Fact Sheet for Installment Loan Products.

General Terms and Conditions:

The "Bank" means Bank of Communications (Hong Kong) Limited.

The above products are subject to the relevant terms and conditions of the DreamCash Personal Loan.

Customer must fulfill the requirements of credit rating set by the Bank. The approval of the loan is subject to the final decision of the Bank without the liability to provide reasons.

For the fee and charges of DreamCash Personal Loan, please refer to the Key Facts Statement for Instalment Loan.

No person other than the customers and the Bank will have any rights under the Contracts (Rights of Third Parties) Ordinance (Cap. 623, the Laws of Hong Kong) to enforce or to enjoy the benefit of any terms and conditions under these Terms and Conditions.

In the case of any discrepancy (ies) between the Chinese and English versions of these terms and conditions, Chinese version shall prevail.

Terms and Conditions for Promotion Offers

The Promotion is only applicable to customers who are holding principal card(s) of Bank of Communications credit card(s) issued by the Bank in Hong Kong, and other credit cards as designated by the Bank from time to time (excludes supplementary cards, the Pacific Internet Cards and gift cards)(“Eligible Credit Card”).

Promotion period commences from 27 May 2024 to 31 December 2024, both days inclusive ("Promotion Period").

Rewards of up to HKD4,500 Spending Rebate and includes Reward 1 and Reward 2.
Reward 1: customers who successfully apply for and drawdown a designated amount of DreamCash Personal Loan with repayment tenor of 36 months or above on or before 31 January 2025, can enjoy a spending reward of up to HKD1,500. For details on how the amount of spending reward is calculated, please refer to the table below:

Amount of Loan Drawdown (HKD)	Spending Reward (HKD)
100,000 - 199,999	300
200,000 - 499,999	500
500,000 - 1,499,999	1,000
1,500,000 or above	1,500

Reward 2: Only applicable to customers who have successfully applied for DreamCash Personal Loan via the Bank's website (Mainpage>Personal Banking>Loans) and drawdown a designated amount of DreamCash Personal Loan with repayment tenor of 36 months or above on or before 31 January 2025,can enjoy an extra spending reward of up to HKD3,000. For details on how the amount of spending reward is calculated, please refer to the table below:

Amount of Loan Drawdown (HKD)	Spending Reward (HKD)
50,000 - 99,999	200
100,000 - 199,999	500
200,000 - 499,999	1,000
500,000 - 1,499,999	1,500
1,500,000 or above	3,000

Each Customer can enjoy the Spending Reward once during the entire Promotion Period.

Spending Reward will be credited to the valid Eligible Credit Card account held by the customer on or before 30 April 2025. Customers who hold more than one valid Eligible Credit Card (based on credit card number) , the Bank reserves the right to credit the Spending Reward to any valid Eligible Credit Card account of customer at the Bank at its sole discretion. Customer must maintain the Eligible Credit Card account(s), repayment account and loan account valid, non-delinquent and in good standing at the time when Spending Reward is credited, or otherwise the Bank reserves the right to withdraw the Spending Reward for the customers at any time without prior notice.

Spending Reward awarded can only be used for retail spending and cannot be used as cash advance or to offset financial charge or to settle outstanding balance incurred before Spending Reward is awarded. Spending Reward cannot be redeemed for cash or other gift items, refunded or transferred.

The Bank reserves the rights to terminate the above offers, or to amend the terms and conditions at any time without prior notice. The Bank has no liability for any changes or termination of the offers.

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

Bank of Communications (Hong Kong) Limited (Incorporated in Hong Kong with limited liability)