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| Debt Consolidation Loan |
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| Is the piling credit card debt limiting your social life? DBS offers a loan amount of up to 18 times of your monthly salary and an interest savings of up to 94%. With DBS Debt Consolidation Loan, you can clear all your card debt once and for all and totally enjoy your time with your friends again! |
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| Extra high loan amount of up to 18
times of your monthly salary |
| As high as HK$700,000 loan amount for additional flexibility
to manage your finances |
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| Low interest rate |
| The monthly flat rate is as low as 0.15% (APR5.38%1) |
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| Flexible instalment period |
| You may select a fixed instalment period of 12, 18,
24, 30, 36, 42, 48, 54, 60, 66 or 72 months for added
financial flexibility. |
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| DBS Debt Consolidation Loan saves your
interest expense: |
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| How much you can save via DBS
Debt Consolidation Loan? |
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| Apply now |
| Applicants must be Hong Kong permanent residents
aged 21 or above with a minimum annual income of
HK$100,000
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| Notes: The above
example is for reference only |
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Assuming
the monthly repayment amount is 5% of the HK$700,000
credit card outstanding balance and an interest
rate of 30% p.a. (APR 34.49%). The monthly repayment
amount stated in the table is the average of the
first three months repayment. |
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Assuming
the repayment period is six years and the flat
rate is 0.15% per month (APR 5.38%, including
handling fees). The repayment period, monthly
repayment amount and total interest expenses saved
depend on various factors, such as the terms and
conditions of the existing credit card(s) and/or
loan(s) to the customer, and the final loan amount
and interest rate approved by DBS Bank (Hong Kong)
Limited (the "Bank", which expression shall include
its successors and assigns). For details of interest
calculation and the loan features, please contact
our staff. |
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| "Weekly Lucky
Draw" Terms and Conditions: |
| 1. |
The
promotion is only applicable for customers who
successfully apply for and draw down Debt Consolidation
Loan during the promotion period (which is from
18 January 2010 to 31 March 2010). |
| 2. |
The
lucky draw dates are 1 Feb, 8 Feb, 17 Feb, 22
Feb, 1 Mar, 8 Mar, 15 Mar, 22 Mar, 29 Mar and
7 Apr, a winner will be randomly drawn by computer
on each lucky draw date, each winner will be awarded
with a iPhone 3GS. Customers who have not been
drawn out will be automatically entered into next
luck draw on next drawing date. |
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All winners will be notified
by phone individually for prize redemption details. |
| 4. |
The pictures for the gift
are for reference only. The Bank is not the supplier
of the gift. Any enquiry or compliant in respect
of the gift and/or services provided in relation
thereto should be directed to the supplier. The
Bank shall have no liability in respect thereof. |
| 5. |
The gift cannot be transferred
or exchanged for cash, credit limit or other goods. |
| 6. |
The promotion is only available
to customers whose loans accounts are in good condition
without any late repayment and remain valid during
the promotion period and at the time the Bank issue
the gift. |
| 7. |
The Bank reserves the right
to vary these Terms and Conditions, change, modify,
discontinue or terminate the promotion at any time
without prior notice. In the event of dispute, the
decision of the Bank shall be final and conclusive. |
| 8. |
If there is any inconsistency
or conflict between the English and Chinese versions
of these Terms and Conditions, the English version
shall prevail. |
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| ^ For details of Online Application Promotion
Terms and Conditions, please
click. |
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Debt Consolidation Loan & Total
Relationship Balance
Total Relationship Balance counts every dollar
in your personal and joint accounts, including
deposits, investment, outstanding balances
of credit cards and loans. With a
higher Total Relationship Balance, you can
enjoy better rates for your time deposits.
Act now to consolidate all your accounts with
us to maximize your financial strength. |
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| 1. |
The Annualized
Percentage Rate (APR) is calculated in accordance
with guidelines as set out in the Code of Banking
Practice. The APR is calculated based on loan amount
of every HK$10,000 and loan period of 6 years including
1% of annual handling fee. |
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| Remark: |
The above information
is for reference only. The approval of the final interest
rate, loan amount and instalment period is subject
to the financial condition of customer. The Bank reserves
the right to change the above Terms and Conditions
and/or discontinue any offer at any time without notice.
The Bank reserves the right of final approval of all
applications. |
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Personal
Information Collection (PIC)
DBS Bank (Hong Kong) Limited safeguards
your data in accordance with applicable Hong Kong laws.
We only use the data we collect in accordance with our
Data Policy which explains the
data collection purposes, the persons to whom we may
transfer data, your data access and correction rights
and how you may contact our Data Protection Officer. |
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