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Civil Servant Special Personal Loan Campaign

Terms and Conditions
1.	Applicants who successfully applied for the “Civil Servant Special Personal Loan Campaign” (“Campaign”) of Banco Comercial de Macau, S.A. (“BCM bank”) is applicable for current full time Civil Servants of Macau (“Applicants”) from 1 September 2022 until 31 December 2022 with both dates inclusive (“Promotion Period”) can entitle to the Special Interest Rate Offer (“Interest Offer”).
2.	“Interest Offer”
2.1	The loan period must be 24 months / 36 months / 48 months.
2.2	Early Partial Repayment is not allowed for BCM Personal Loans under this Interest Offer.
2.3	Under the loan tenor of 24 to 48 months, the Annual Percentage Rate (“APR”) of the Special Interest Rate for normal civil servants customer/payroll account customer and VIP customer would not exceed 6.77% p.a. and 5.66% p.a. respectively. Actual APR will be subject to the final loan approval result.
2.4	Early Full Repayment within the first 12 months of loan period is subject to a penalty of 2 months´ interest on initial loan principal or MOP/HKD300 (whichever is higher); early Full Repayment from the13th month of loan period and onward is subject to a penalty of 1.5 months´ interest on initial loan principal or MOP/HKD300 (whichever is higher).
2.5	Shall the customer apply for the Payroll Account special interest rate without opening payroll account within 3 months upon the application date, an administration fee of MOP/HKD500 will be deducted from the related settlement account without prior notice.
2.6	The minimum loan amount for the campaign is defined by BCM bank on campaign basis at the bank’s discretion.
2.7	The loan applications are subjected to the final approval by the Bank at the prevailing interest rate defined from time to time by the Bank without prior notice.
2.8	Applicants are required to provide necessary document(s) to support his/her current employment status.
2.9	BCM bank reserves the right to request supporting documents or information deemed necessary for assessment of the loan application in response to the liability status of customer.
3.	BCM Bank reserves the right to amend or terminate the offers and terms and conditions at anytime without prior notice.
4.	This service/product is not targeted at customers in the EU.
5.	In case of dispute, BCM Bank reserves the right for the final decision.
6.	In case of discrepancy in interpretation between the Chinese and English versions, the Chinese version shall prevail.

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Enquiry 87968888

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Civil Servant Special Personal Loan Campaign

Terms and Conditions
1.	Applicants who successfully applied for the “Civil Servant Special Personal Loan Campaign” (“Campaign”) of Banco Comercial de Macau, S.A. (“BCM bank”) is applicable for current full time Civil Servants of Macau (“Applicants”) from 1 September 2022 until 31 December 2022 with both dates inclusive (“Promotion Period”) can entitle to the Special Interest Rate Offer (“Interest Offer”).
2.	“Interest Offer”
2.1	The loan period must be 24 months / 36 months / 48 months.
2.2	Early Partial Repayment is not allowed for BCM Personal Loans under this Interest Offer.
2.3	Under the loan tenor of 24 to 48 months, the Annual Percentage Rate (“APR”) of the Special Interest Rate for normal civil servants customer/payroll account customer and VIP customer would not exceed 6.77% p.a. and 5.66% p.a. respectively. Actual APR will be subject to the final loan approval result.
2.4	Early Full Repayment within the first 12 months of loan period is subject to a penalty of 2 months´ interest on initial loan principal or MOP/HKD300 (whichever is higher); early Full Repayment from the13th month of loan period and onward is subject to a penalty of 1.5 months´ interest on initial loan principal or MOP/HKD300 (whichever is higher).
2.5	Shall the customer apply for the Payroll Account special interest rate without opening payroll account within 3 months upon the application date, an administration fee of MOP/HKD500 will be deducted from the related settlement account without prior notice.
2.6	The minimum loan amount for the campaign is defined by BCM bank on campaign basis at the bank’s discretion.
2.7	The loan applications are subjected to the final approval by the Bank at the prevailing interest rate defined from time to time by the Bank without prior notice.
2.8	Applicants are required to provide necessary document(s) to support his/her current employment status.
2.9	BCM bank reserves the right to request supporting documents or information deemed necessary for assessment of the loan application in response to the liability status of customer.
3.	BCM Bank reserves the right to amend or terminate the offers and terms and conditions at anytime without prior notice.
4.	This service/product is not targeted at customers in the EU.
5.	In case of dispute, BCM Bank reserves the right for the final decision.
6.	In case of discrepancy in interpretation between the Chinese and English versions, the Chinese version shall prevail.

Visit our branch

Enquiry 87968888

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