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DreamCash Balance Transfer
Consolidate your outstanding credit card and personal loan balances to a single account for better financial management.
- Fixed monthly repayment for better budget planning
- Shorten entire repayment period
- Loan Amount up to HK$2,000,000 or 21 times of monthly salary (whichever is lower)#
- Flexible repayment tenor up to 72 months
# 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.
Customers successfully apply DreamCash Balance Transfer during the promotion period1 and drawdown on or before 31 January 2020 can get the fabulous offers below:
Apply online to enjoy up to HK$6,000 Credit Rebate for loan drawdown*
*Up to HK$6,000 Credit Card Credit Rebate is only applicable for customers who entitled for Offer 1, Offer 2 and Offer 3 mentioned as below. Terms and Conditions apply.
Offer 1 - Transfer each outstanding balance of other banks’ credit card with the amount of HK$50,000 or above to DreamCash Balance Transfer is entitled to HK$200 Credit Card Credit Rebate 2 , up to HK$3,000 Credit Card Credit Rebate.
Offer 2 - Extra HK$2,800 Credit Card Credit Rebate for onlineapplication3
Offer 3 - Extra HK$200 Credit Card Credit Rebate by using the account in Bank of Communications for disbursement and repayment4
Interest Saving Tips
Assuming your credit card outstanding balance is HK$200,000, you can save up to 91%^ total interest expense by using DreamCash Personal Loan.
^This example is calculated based on loan amount or credit card outstanding of HK$200,000. Assuming the monthly repayment amount is 4% of statement balance or HK$50 (whichever is higher), the first 60-month average monthly repayment amount with a monthly interest rate of 2.50% is HK$5,431.98, and total interest expense is HK$345,319.34, with total repayment instalments of 378 months and APR 34.49%. If DreamCash Balance Transfer is used to repay such statement balance, with 60 months repayment tenor, 0.185% monthly flat rate and 1% handling fee of loan amount per annum, the APR is 6.53% and total interest expense (including handling fee) is HK$32,200.00, interest saved up to 91%. Example is for reference only, actual total interest saved is subject to credit condition of different customers.
To Borrow or not to borrow? Borrow only if you can repay!