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Frequently Asked Questions

  1. How can I apply for DBS loans?

    You can apply for DBS loans via the following:
    • By applying at DBS Website at www.dbs.com/hk/loans
    • By visiting any DBS branches
    • By calling our customer hotline on 2290-8118


  1. What are the requirements?

    The basic criteria to apply for DBS loans is that applicant must be a Hong Kong permanent residents and aged 18 or above with minimum annual income at least HK$60,000 for Express Loan or HK$80,000 for Personal Instalment Loan and Cashline.
    For Debt Consolidation Loan, applicant must be Hong Kong permanent residents aged 21 or above with a minimum annual income of HK$100,000.


  1. What are the documents required?

    • HKID card
    • Income proof
    • Address proof (issue date within 2 months)
    • Practicing certificate issued by relevant association; if applicable
    • Direct Debit Authorization /Direct Credit Authorization Proof

  1. How much loan amount will be granted?

    Loan amount will be granted (subject to bank's final approval):

    Express Loan
    Min : HK$10,000 or above
    Max: up to 4 times of monthly gross salary or HK$200,000 (whichever is lower)

    Personal Installment Loan
    Min : HK$10,000 or above
    Max: up to 8 times of monthly gross salary or HK$800,000 (whichever is lower)

    Debt Consolidation Loan
    Min : HK$10,000 or above
    Max: up to 18 times of monthly gross salary or HK$800,000 (whichever is lower)

    Cashline Revolving Loan
    Min : HK$10,000 or above
    Max: up to 8 times of monthly gross salary or HK$800,000 (whichever is lower)


  1. How much should I borrow?

    You need to take a long, hard look at your current and future financial situation before you take on any new debt. As part of this analysis, you should look at your debt ratio and set a realistic budget for debt repayment. Many experts recommend that no more than 40% of your monthly income should go to paying all debts, including mortgage payments.

  1. How long should I choose to repay the loan?

    The repayment period should depend on the loan amount. You must left of your monthly income after loan repayment for standard living and money saving.

  1. What is monthly flat rate? What is the difference between that and the annualized percentage rate (APR)?

    Monthly flat rate is to calculate the monthly repayment amount for an instalment loan, which is described below:

    Loan Amount = HK$50,000
    Monthly flat rate = 0.31% (APR 9.96%)
    Repayment period = 60 months
    Monthly Interest = HK$155
    Handling Fee = HK$62.5
    Monthly Repayment Amount = HK$1051

    APR is calculated in accordance with the relevant guidelines referred to in the Code of Banking Practice. Interest is calculated on the basis of a 365-day or 366-day year, including all payable fees/charges such as the handling fee, annual fee, etc. Therefore, APR is a tool for comparing interest rates, and expressing the repayment amount and loan amount ratio.

  1. What is the difference between Installment Loan and Revolving Loan?

    Installment Loan allows you to have a fixed installment within a planned time frame, while Revolving Loan has no fixed repayment schedule and interested is charged on a daily basis on the amount drawn.

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