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Personal Instalment Loan

Enjoy a tax loan offer with up to 5 months interest rebate.

To borrow or not to borrow? Borrow only if you can repay! Terms and conditions apply.

Tax Season Loan

Settle your tax payments easily with Standard Chartered’s tax loan and earn up to 5 months in interest rebate, which equals to HKD18,000 cash rebate. Apply now to grab this tax loan offer!

Enjoy low interest tax season

Daily interest as low as HKD10^

Tax Loan amount up to18X monthly salary or HKD4,000,000 (whichever is lower)

Loan tenor up to 60 months

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Tax Season Payments Tips
  • Not sure how to pay your taxes? Our comprehensive guide covers everything you need, from tax payment methods and applying for instalment plans to exclusive tax season loan offers. Simplify your preparations and enjoy a hassle-free tax season.
  • Read more on tax payment tactics

Explore different loan possibilities

Beyond tax payments, Personal Instalment Loan is here to provide the solutions you need for all financial needs.

Hk loans tax season loan tile
Home renovation
Home renovation
Use a loan to cover renovation costs upfront and repay in instalments so you can gradually create your ideal home.
Hk loans tax season loan tile
Wedding
Wedding
Looking to create lasting memories for your big day? Secure additional funds through a loan to make your dream wedding a reality.
Hk loans tax season loan tile
New car
New car
We offer options beyond traditional auto financing to let you take out a loan without using your vehicle registration as collateral and to give you more flexibility in upgrading your car.
Hk loans tax season loan tile
Overseas education
Overseas education
Looking to invest in yourself and seize new opportunities? Secure a loan to fund your education plans and broaden your horizons.
Personal Installment Loan
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Here's how your repayment might look like

  • Monthly Repayment Amount

    HKD 0.00

  • Monthly Flat Rate

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  • Annualized Percentage Rate (APR)

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  • Average Monthly Interest

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*An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate.


Note: The APR, monthly repayment amount, interest amount, principal amount and loan outstanding are for indication only and are not meant to be final or binding on the Bank. The actual interest rate that will apply will be based on client’s credit rating and other factors as assigned and considered by the Bank. The Bank reserves its absolute right to determine the final interest rate. The apportionment of interest and principal for each monthly repayment throughout the tenor is based on the Straight Line Method. Any application for our personal installment loan and the terms and conditions of the loan including but not limited to loan amount, interest rate, repayment period and handling fee are subject to the final approval of the Bank.
Debt Consolidation Program
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Here's how your repayment might look like

  • Monthly Repayment Amount

    HKD 0.00

  • Monthly Flat Rate

    0.00%

  • Annualized Percentage Rate (APR)

    0.00%

  • Average Monthly Interest

    HKD 0



*An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate.


Note: The APR, monthly repayment amount, interest amount, principal amount and loan outstanding are for indication only and are not meant to be final or binding on the Bank. The actual interest rate that will apply will be based on client’s credit rating and other factors as assigned and considered by the Bank. The Bank reserves its absolute right to determine the final interest rate. The apportionment of interest and principal for each monthly repayment throughout the tenor is based on the Straight Line Method. Any application for our personal installment loan and the terms and conditions of the loan including but not limited to loan amount, interest rate, repayment period and handling fee are subject to the final approval of the Bank.
Credit Card Installment Credit Program
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Here's how your repayment might look like

  • Monthly Repayment Amount

    HKD 0.00

  • Monthly Flat Rate

    0.00%

  • Annualized Percentage Rate (APR)

    0.00%

  • Average Monthly Interest

    HKD 0



*An APR is a reference rate which includes the basic interest rate and other applicable fees and charges of a product expressed as an annualised rate.


Note: The APR, monthly repayment amount, interest amount, principal amount and loan outstanding are for indication only and are not meant to be final or binding on the Bank. The actual interest rate that will apply will be based on client’s credit rating and other factors as assigned and considered by the Bank. The Bank reserves its absolute right to determine the final interest rate. The apportionment of interest and principal for each monthly repayment throughout the tenor is based on the Straight Line Method. Any application for our personal installment loan and the terms and conditions of the loan including but not limited to loan amount, interest rate, repayment period and handling fee are subject to the final approval of the Bank.
Revolving Cash Card
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Here's how your repayment might look like

  • Daily interest amount

    HKD 0.00

  • Transaction Handling Fee

    HKD 0.00

  • Annual fee

    HKD 0.00

Personal Loan Eligibility & Documents

Eligibility

  • Hong Kong resident aged 20 or above
  • Fixed annual income of HKD96,000 or above

Required Documents

  • Your Hong Kong Permanent Identity Card
  • Your latest residential address proof showing your name
  • For regular income earners, please enclose your latest 1 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 1 month’s computer generated Payroll Slip, or latest Tax Demand Note
  • For irregular income earners, please enclose your latest 3 month’s Bank Statements / Passbook showing your name, account number and salary entries or latest 3 month’s computer generated Payroll Slip, or latest Tax Demand Note
  • For self-employed applicants, please enclose your Business Registration Certificate AND latest Profits Tax Demand Note
  • Note: The bank reserves the rights of requiring more supportive documents for further review.

Tax season loan frequently asked questions

  • A tax season loan, also known as a “tax loan,” is a loan product offered by banks during Hong Kong tax season. It is designed to assist working individuals with managing their tax payments, easing the strain of making large, one-time tax payments by allowing them to take loans and repay in instalments.

  • Hong Kong tax season typically begins in October when the government issues tax notices. Taxpayers are usually required to pay the first and second instalments of their taxes in January and April of the following year, respectively. Banks generally start offering tax season loans around October to allow taxpayers to plan their loan budgets as soon as they receive their tax notice and prepare for the tax season.

  • During tax season, tax loans typically offer lower interest rates and better value. Banks often provide special promotions for tax season loans such as reduced interest rates and cash rebates to attract applicants. For example, with Standard Chartered’s tax season loan, you can enjoy cash rebates of up to HKD18,000, which is equivalent to 5 months of interest in savings.

  • The maximum loan amount for a tax season loan depends on the applicant’s salary. Typically, the loan amount can be up to 18X the applicant’s monthly salary or HKD4,000,000, whichever is lower. The repayment period can be extended up to 60 months.

  • While a tax season loan is primarily designed to ease the burden of tax payments, applicants can use the loan for other purposes as well, such as investing, purchasing property or for other financial needs.

  • Yes, your credit score (TU) can impact your tax season loan application. If your credit score is low, you may be offered a higher interest rate or in some cases, your application may be denied.

Terms and Conditions