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View the relevant Key Facts Statement.
Simple application by providing loan and personal information, no documents are required.
Get extra liquidity after successful approval[1]
Secured loan facility will be effective after successful approval and confirmation SMS will be sent to the applicants' mobile number.
Only available to customers aged 18 or above with an Integrated Account[2].
Bring extra liquidity from a diversity of assets
(including up to 269 stocks, 1,454 funds, 116 bonds etc)[3]
Overdraft amount of up to 95% of the market value of the collaterals[3]
Revolving credit line allows flexible repayment without minimum payment
Interest being calculated on the overdrawn amount is on a daily basis
Mr. Chan requires a sum of money for his son to study abroad, but most of his assets have been used for investment. By applying the Asset Link Secured Overdraft Facility, Mr. Chan can get extra liquidity from his asset holdings.
Asset Type
Market value (HKD) x Loan ratio
USD Time Deposit
300,000.00 x 95%
Investment Fund
500,000.00 x 70%
Securities
500,000.00 x 50%
Total Secured Overdraft available limit
= HKD 885,000.00
By pledging the asset holdings, Mr. Chan can get available limit of HKD885,000.00[4]
| Asset type | Loan ratio (% of asset market value) |
|---|---|
| HKD time deposit | Up to 95% |
| USD savings deposit /time deposit | Up to 95% |
| CNY/ CAD/ JPY/ EUR savings deposit /time deposit | Up to 90% |
| GBP/ AUD/ CHF/ NZD savings deposit /time deposit | Up to 85% |
| Certificate of Deposit | Up to 90% |
| Statement Gold | Up to 80% |
| MaxiInterest Investment Deposit | Up to 60% |
| Stocks | Up to 50% |
| Bonds | Up to 90% |
| Capital Protected Investment Deposit (CPI) | Up to 95% |
| Capital Protected Equity Linked Note / Capital Protected Structured Product | Up to 90% |
| Equity Linked Investment / Equity Linked Note | Up to 45% |
| Capital Guaranteed Fund | Up to 90% |
| Open-ended Fund | Up to 70% |
You can find the relevant Secured Asset Type and Loan Ratio of individual assets or call 2710 2288 for the relevant Secured Asset Type and Loan Ratio of individual assets.
Please provide the following information to calculate the interest paid amount:
| Debt Consolidation Instalment Loan | Credit Card Minimum Payment |
|---|
| Debt Consolidation Instalment Loan | Credit Card Minimum Payment | |
|---|---|---|
| Monthly repayment amount | HKD - | Minimum Payment |
| Total interest amount | HKD - (Save HKD -) |
HKD - |
| Repayment period | 72 month(s) (Shortened by - month(s)) |
- month(s) |
| Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
|---|
| Each month you pay (HKD) | Repayment period | Estimated total payment amount (HKD) |
|---|---|---|
| Only the minimum repayment | - month(s) | - |
| - | 36 month(s) | - |
The result of this calculator is for reference only. The actual repayment liability including actual interest to be paid will depend on the actual daily Loan Amount, the terms stated in the Asset Link Secured Overdraft Facility Application Form and Asset Link Secured Overdraft Facility's Terms and Conditions.
To borrow or not to borrow? Borrow only if you can repay!
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