Dear Customer,  
 
 
Is life getting tough as everything becomes more expensive?
 
Dah Sing Angels help you to fight against high inflation, offering you more flexible cash with lower interest rates, as well as high cash rewards to assist you with your day-to-day living!
Super low interest rate Annualized percentage rate as low as 3.08%2, save more with perpetual handling fee waiver.
Extra cash rebate Enjoy up to HK$800 cash rewards3

Enjoy additional HK$100 cash rebate4 by using Dah Sing Bank accounts for repayment
First month payment holiday Only start repayment 2 months after successful loan withdrawal6.  
Fast Approval Instantly approved loan amount7 and 30 min approval8 to better manage your finance   
Enjoy more flexible cash Maximum loan amount up to HK$800,000 or 6 times monthly salary (whichever is lower) 9 
Repayment at ease Super-long loan tenor: up to 60 months10; make your monthly repayment at ease  
Easy application New job starters may apply simply by providing an employment letter or employment contract11   
 
Apply now to enjoy these attractive offers!
 
Apply online now to enjoy additional $50 cash bonus#
http://www.dahsing.com/en/html/personal_loan/tools/onlineapplication.html
 
 
Click here for the Terms & Conditions of Personal Loans Online Application Lucky Draw.
 
 
Monthly Repayment Table
    Selected Customers12   Cash Rewards3 
Loan Amount (HK$)   Monthly Flat Rate Annualized Percentage Rate13,#1 Monthly Repayment Amount14, #2 (HK$)
$750,000 - $800,000 First Month Payment Holiday 6  0.168% 3.08% $850 $800

$500,000 - $749,999

 0.214% 4.02% $854 $500
$200,000 - $499,999 0.258% 4.88% $859 $300
$50,000 - $199,999 0.287%

5.33%

 $862 $200
$20,000 - $49,999 0.381% 6.97% $871 $100
$5,000 - $19,999 0.450% 8.84% $878 -

    Other Customers  Cash Rewards3 
Loan Amount (HK$)   Monthly Flat Rate Annualized Percentage Rate13,#1 Monthly Repayment Amount14, #2 (HK$)
$750,000 - $800,000 First Month Payment Holiday 6  0.213% 3.96% $854 $800

$500,000 - $749,999

 0.268% 5.08% $860 $500
$200,000 - $499,999 0.313% 5.96% $864 $300
$50,000 - $199,999 0.343% 6.44% $867 $200
$20,000 - $49,999 0.443% 8.22% $877 $100
$5,000 - $19,999 0.500% 9.97% $883 -
#1Calculated based on the middle value loan-amount range, and include Cash Rewards
#2Calculated based on a HK$10,000 loan amount
 
查詢及申請熱線 Enquiry and Application Hotline: 2828 8111
手機短訊申請 Apply through SMS*: 6828 8222
*Input (1) Name (2) Loan Amount and (3) Repayment Tenor (e.g. Lam Siu Man, 50000, 24). Our bank will have a designated staff member to follow up with the customer by calling the number from which the SMS was sent on the next working day after receiving the SMS. The individual telephone network provider will charge a fee for the SMS in accordance with their fee charging schedules.
 
 
  Dah Sing Bank  
 
Remarks:
  1. The promotion period is valid from now until 30 April 2011 (the ‘Promotion Period’).
  2. On the assumption of a HK$775,000 loan amount, with a monthly flat rate applicable to a selected customer of 0.168%, and a 12-month loan tenor, the annualised percentage rate including the first-month Payment Holiday and Cash Rewards is 3.08%.  The offer is applicable to selected customers only. For details of the Cash Rewards, one-month payment holiday and selected customers, please refer to points (3), (6) and (12).
  3. Up to HK$800 Cash Rewards are applicable to customers who successfully apply for and withdraw Express Money with loan amount HK$20,000 or above during the Promotion Period (“Cash Rewards”).  Customers with loan amount HK$750,000 or above, HK$500,000 – HK$749,999, HK$200,000 – HK$499,999, HK$50,000 – HK$199,999 and HK$20,000 – HK$49,999, may enjoy HK$800, HK$500, HK$300, HK$200 and HK$100 Cash Rewards respectively.  For details pleas refer to point (5).
  4. The ‘HK$100 Cash Rebate’ is only applicable to customers who successfully apply for and drawdown an Express Money account during the Promotion Period and use Dah Sing Bank (“the Bank”) account for loan repayment (not applicable to FlexiMoney Overdraft facility accounts / joint-name accounts) (‘Cash Rebate’). 
  5. The Cash Rewards and/or Cash Rebate will be credited to eligible customers’ repayment accounts on or before 31 July 2011.  To enjoy the Cash Rewards and/or Cash Rebate, customers’ Express Money accounts must be valid on the Cash Rewards and/or Cash Rebate date. They must maintain good repayment records and make no early settlement upon fulfilment.  Customers who make an early settlement during the repayment period will be subject to an Early Settlement Handling Fee and refund of the full Cash Rewards and/or Cash Rebate amount.
  6. Customers who successfully apply for and drawdown an Express Money account during the Promotion Period may enjoy a first-month payment holiday (‘Payment Holiday’). The first instalment date will be deferred after the payment holiday period (i.e. the first repayment will be effective starting from 2 months upon loan drawdown), and thus the whole loan tenor will be extended for one month accordingly (e.g. for loan drawdown on 1 April 2011, the first repayment date will be 1 June 2011).  The repayment date of individual customers may vary.  If customers redeem the loan early, the Bank will charge the Early Settlement Handling Fee, outstanding principal and the accrued interest of the month as usual.  The Bank reserves the right to amend the Early Settlement Handling Fee.  For details of the latest fees and charges, please refer to the “Bank Service Charges” or contact the Bank’s staff.
  7. An instantly pre-approved loan amount service (‘the Service’) is available to phone-in or walk-in customers who submit loan applications at the following times and provide the required documents upon application.
       Service hours of Instantly approved loan amount 
     Branch Monday – Friday 9:00am – 5:00pm; and
    Saturday 9:00am – 12:00 noon 
     Telephone Hotline Monday – Friday 9:00am – 8:00pm; and
    Saturday 9:00am – 12:00 noon
    No prior notice will be given if there is any change on the Service available time.  The Bank may not offer the Service if customers do not provide the required documents or the loan applications do not fulfil the approval requirements of the Service. The instantly approved loan amount is for reference only.  The Bank reserves the final right to make a decision on the final approval result of the loan amount and to terminate or to amend the Service at anytime. 
  8. The "30-Minute Approval and Disbursement" is applicable only to phone-in or walk-in customers who submit all of the required documents on the application date. The process starts from the moment that Dah Sing Bank staff confirm receipt of all the required documents and information with the customers. The application should comply with the general loan approval procedures of the Bank and should not exceed a loan amount of HK$100,000. Customers should choose to draw their loan at branches. This service is available from 9:00 am to 5:00 pm Monday to Friday and from 9:00 am to 12:00 noon on Saturdays, which may be subject to change according to the actual circumstances.
  9. A loan amount of HK$300,000 or above is available only to property owners or preferential customers of the Bank, including civil servants, professionals, the staff of selected government organisations / public organisations, full-time teachers, staff of tertiary institutions / universities and Dah Sing VIP Banking Customers.
  10. A loan tenor of 49 months or above is available only to property owners. It is not on its own merits available to new job starters.
  11. New job starter applicants must be aged from 18 to 30 and must be currently employed. The employment period must be within 6 months. The loan amount is up to HK$50,000.
    Loan Amount (HK$) Monthly Flat Rate *Annualized percentage rate Cash Rewards (HK$)
    $20,000 - $50,000 0.5%  10.90% $100
    $5,000 - $19,999 11.62% -
    * The example is for reference only, and the annualised percentage rates (“APR”) which include the First-Month Payment Holiday offer and Cash Rewards are calculated according to the Code of Banking Practice. This is subject to a 12-month loan tenor and loan amounts of HK$35,000 and HK$12,500.  The APR is rounded to the nearest two decimal places and may vary for individual customers.  Please refer to point (5) for details on Cash Rewards. The first-month Payment Holiday offer is not applicable to new job starters. 
  12. The definitions of selected customers (‘Selected Customers’) who are entitled to enjoy the interest rate offer are: 1) The Bank’s payroll-service customers between 1 September 2010 and 23 February 2011; 2) The Bank’s existing mortgage-loan customers as of 23 February 2011; 3) Existing Dah Sing VIP Banking customers who maintain their Dah Sing VIP Banking Account on the disbursement date; 4) Customers who apply for an Express Money account and become a VIP Banking Customer (with a total of HK$500,000 or above in their deposit and investment portfolio); 5) Customers in the following occupations: civil servants, staff of selected government organisations / public organisations, professionals, full-time teachers or staff of tertiary institutions / universities. Professionals include chartered / certified accountants, chartered architects, chartered engineers, lawyers, doctors and chartered surveyors.  The Bank reserves the final right to interpret the definition of professional occupation. To enjoy the interest rate offer, customers of the above-mentioned occupations must present proof of the relevant occupation upon application.
  13. The example is for reference only, and the APR which include the First-Month Payment Holiday offer and Cash Rewards are calculated according to the Code of Banking Practice. This is subject to a 12-month loan tenor and loan amounts of HK$775,000, HK$625,000, HK$350,000, HK$125,000, HK$35,000 and HK$12,500. The APR is rounded to the nearest two decimal places and may vary for individual customers.
  14. The example is for reference only and the monthly repayment amounts are rounded to the nearest integer. The monthly repayment amounts are calculated according to the Code of Banking Practice, subject to a 12-month loan tenor and a HK$10,000 loan amount. The monthly repayment amount will be debited every month from the repayment account on the due date and will be rounded to the nearest integer. The monthly repayment amounts may vary for individual customers.
  15. The Bank reserves the right to terminate the above offers or to amend their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final.
 
#Terms & Conditions for HK$50 online application cash bonus
  1. The promotion period is valid from now until 30 Apr 2011 ("Promotion Period").
  2. The HK$50 Cash Bonus ("Cash Bonus") is only applicable to customers ("Eligible Customers") who successfully apply for Express Money through online application and withdraw the loan during Promotion Period.   The Cash Bonus will be credited into Eligible Customers' repayment accounts within 3 months after loan drawdown.  To enjoy the Cash Bonus, the relevant loan accounts must be valid and with good repayment records.  Each customer is entitled to the Cash Bonus once only.
  3. If the online loan application is not approved, other personal loan plans may be offered by Dah Sing Bank ("the Bank"), but Cash Bonus will not be offered under such circumstances.
  4. The Bank reserves the right to offer other gifts or coupons instead of the Cash Bonus.
  5. The Bank reserves the right to terminate the above offers or amend their terms and conditions at any time without prior notice. In case of dispute, the decision of the Bank shall be final.
 
Personal Loan Online Application Lucky Draw Terms and Conditions:
  1. The promotion period is valid from 1 March until 31 March 2011 (“Promotion Period”).
  2. The Online Application Lucky Draw ("the Lucky Draw") is only applicable to customers who make online applications for Dah Sing Bank (“the Bank”) Personal Instalment Loans, including Express Money, eCash instalment, Credit Mastermind and Tax Loan; or Personal Revolving Loans, including In-Money and eCash Revolving Loan (“Loan”).
  3. Customers should successfully withdraw the Loan on or before 31 March 2011 in order to be eligible to enroll in the Lucky Draw (“Eligible Customers”).
  4. Eligible Customers will be entitled to one lucky draw entry for each eligible Loan application. Customers will get one extra lucky draw entry for each additional successful Loan application and withdrawal.
  5. The Lucky Draw will be taken place on 11th April 2011 (“Lucky Draw Day”), where 1 winner will be chosen randomly by computer from the pool of Eligible Customers. To be eligible for the Lucky Draw, Eligible Customer's Loan account must be valid, has good repayment record and has no early settlement before the Lucky Draw Day.
  6. The winner will be eligible for a PlayStation®3 160GB with football game (“Gift”). The Lucky Draw result will be announced on the Bank’s website at www.dahsing.com on or before 21st April  2011 (“Result Announcement Day”). The Bank will notify the lucky draw winner regarding reward details by mail.
  7. The Gift is not redeemable for cash or transferrable to other gifts, and no changes will be given. The Bank is not the supplier of the Gift, and is not liable for any products or services provided by individual companies.  Should there be any enquires or complaints regarding the quality of the products or services, customer should contact the product suppliers directly.  In the case of insufficient stocks, the Bank has the right to use other products for replacement at any time without prior notice. 
  8. The Bank reserves the right to terminate the above offers or to amend their terms and conditions at any time without prior notice. In case of disputes, the decision of the Bank shall be final. 
 
All our promotional emails are sent from "ebanking@dahsing.com". To ensure that we serve you better and provide you with the latest offers, please always accept this email address when configuring email or spam filter tools, if you use them.
According to the Personal Data (Privacy) Ordinance, you may, at any time and without charge, choose not to receive any promotional materials. Please let us know in writing in case of such request (Dah Sing Bank, Data Protection Officer, GPO Box 333, Hong Kong).
Copyright © Dah Sing Bank, Limited
Dah Sing Bank, 33/F, Dah Sing Financial Centre, 108 Gloucester Road, Hong Kong.
Enquiry Hotline: 2828 8168     e-mail: ops@dahsing.com.hk