Macau Civil Servant & Public Institution Emplyee Package
Macau Civil Servants who apply designated services during the Promotion Period can entitle to fabulous offers!
1. Payroll Welcome Offer
Customers who opened and/or registered payroll account during the Promotion Period and have first successful posting with BCM within 2 months from the application date, can entitle to the following bonus interest of the month end balance of the payroll account for the first three months starting from the month with the first successful payroll posting:
Monthly Salary |
Bonus Interest Rate (p.a.) |
Maximum bonus interest amount (for 3-mth) (MOP) |
MOP50,000 or below |
8% |
$1,000 |
Above MOP50,000 |
10% |
$2,000 |
2. Housing / Mortgage Loan Offer
Customers who successfully applied housing / mortgage loan during the Promotion Period can entitle to corresponding cash rebate:
Granted Housing / Mortgage Loan Amount (MOP/HKD) |
Cash Rebate^ (MOP/HKD)
|
Below $2,000,000 |
$500 |
$2,000,000 – $5,000,000 |
$800 |
Above $5,000,000 |
$1,000 |
3. Personal Loan Offer
Customer can enjoy this tailor made convenient Personal Loan offer during the Promotion Period:
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- Preferential Interest Rate, monthly interest rate as low as 0.3%
- Convenient and Streamlined Application Process saves the hassle from providing various supporting documents
- Loan Amount up to 3X monthly salary or MOP/HKD150,000
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4. Credit Card Installment Services Offer
Customer can enjoy the special Credit Card Installment Services Offer during the Promotion Period︰
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- Special Handling Fee, monthly handling fee as low as 0.23%
- Simple application process, no need additional income proof
- Long repayment method up to 18 months
|
Promotion Period |
2022/11/01 - 2022/12/31 |
Remark:
*Customers are required to maintain the payroll transfer service with BCM bank for 24 months upon the account opened in order to entitle to the Payroll Welcome Offer. If the payroll transfer service is cancelled before the aforementioned date, BCM bank reserves the right to deduct the collected the Payroll Welcome Reward amount from the relevant account of the Customers. ^Customers are required to maintain the Housing/Mortgage Loan with BCM bank until 30 Jun 2023 in order to entitle to Housing/Mortgage Loan Offer, If the Housing/Mortgage Loan is early fully settled or involves the transfer of mortgage to another bank before the aforementioned date, BCM bank reserve the right to deduct the collected Cash Rebate.
Terms and Conditions apply.
Macau Public Institution Employee who apply designated services during the Promotion Period can entitle to fabulous offers!
1. Payroll Welcome Offer
Customers who opened and/or registered payroll account during the Promotion Period and have first successful posting with BCM within 2 months from the application date, can entitle to the following bonus interest of the month end balance of the payroll account for the first three months starting from the month with the first successful payroll posting:
Monthly Salary (MOP) |
Bonus Interest Rate (p.a.) |
Maximum bonus interest amount (for 3-mth) (MOP) |
$50,000 or below |
8% |
$1,000 |
$50,000 above |
10% |
$2,000 |
2. Deposit Welcome Offer
During the Promotion Period, New customers who open current/saving account and successfully maintain monthly average balance of the account to fulfill the following deposit requirements, can entitle to designated bonus interest based on the monthly average balance of the registered account for the first 3 month from the application date:
Monthly Average Balance (MOP/HKD) |
Bonus Interest Rate (p.a.) |
Maximum bonus interest amount per month(MOP /HKD) |
Below $50,000 |
2.4% |
$100 |
$50,000 - $100,000 |
3% |
$250 |
Remark: The Deposit Welcome Offer cannot be used in conjunction with the Payroll Welcome Offer.
3. Housing / Mortgage Loan Offer
Customers who successfully applied housing / mortgage loan during the Promotion Period can entitle to corresponding cash rebate:
Granted Housing / Mortgage Loan Amount (MOP/HKD) |
Cash Rebate^ (MOP/HKD)
|
Below $2,000,000 |
$500 |
$2,000,000 – $5,000,000 |
$800 |
Above $5,000,000 |
$1,000 |
4. Personal Loan Offer
Customer can enjoy this tailor made Personal Loan offer during the Promotion Period:
|
- Preferential Interest Rate, monthly interest rate as low as 0.3%
|
5. Credit Card Installment Services Offer
Customer can enjoy the special Credit Card Installment Services Offer during the Promotion Period︰
|
- Special Handling Fee, monthly handling fee as low as 0.23%
- Simple application process, no need additional income proof
- Long repayment method up to 18 months
|
Promotion Period |
2022/11/1 - 2022/12/31 |
Remark:
-The customer type shall be determined according to the bank’s record, while the designated public institutions are: Kiang Wu Nursing College of Macau, University of Saint Joseph, Macau University of Science and Technology, City University of Macau, Macao Institute of Management, Macau Millennium College, University of Macau, Macao Polytechnic University, Macao Institute for Tourism Studies, Escola Superior das Forças de Segurança de Macau, Macao Light Rapid Transit Corporation, Limited, Macau Urban Renewal Limited, Macau Investment and Development Limited, Macau Productivity and Technology Transfer Center, Macau Laboratory of Civil Engineering, Transferência Electrónica de Dados - Macau EDI Van, S.A., World Trade Center Macau, Fundação Escola Portuguesa de Macau, Fundação Oriente and Instituto Português do Oriente.
*Customers are required to maintain the payroll transfer service with BCM bank for 24 months upon the account opened in order to entitle to the Payroll Welcome Offer. If the payroll transfer service is cancelled before the aforementioned date, BCM bank reserves the right to deduct the collected the Payroll Welcome Reward amount from the relevant account of the Customers.
^Customers are required to maintain the Housing/Mortgage Loan with BCM bank until 30 Jun 2023 in order to entitle to Housing/Mortgage Loan Offer, If the Housing/Mortgage Loan is early fully settled or involves the transfer of mortgage to another bank before the aforementioned date, BCM bank reserve the right to deduct the collected Cash Rebate.
Terms and Conditions apply.
Terms and Condition:
1. |
The Promotion Period of “Civil Servant and Public Institutions Employee Special Package 2022” (“The Promotion”) of Banco Comercial de Macau, S.A. (“BCM bank”) is from 1 November until 31 December 2022 with both dates inclusive (“Promotion Period”). |
2. |
The Promotion is only applicable to current full time Macau Civil Servants and Employees of Designated Public Institution (“Customer”). |
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2.1 |
The Designated Public Institutions are defined from time to time by BCM bank without prior notice. |
3. |
Payroll Welcome Offer |
|
3.1 |
Customers who opened and/or registered payroll account during the Promotion Period with monthly salary amount of MOP50,000 or below can entitle to bonus interest of 8% p.a. of the month end balance of the payroll account for the first three months upon the first successful posting with BCM within 2 months from the application date, whilst customers with monthly salary of above MOP50,000 can entitle to bonus interest of 10% p.a. respectively (“Payroll Bonus Interest”). |
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3.2 |
The maximum bonus interest amounts that payroll customer with monthly salary amount of MOP50,000 or below and customer with monthly salary of above MOP50,000 can entitle from the Payroll Welcome Reward are MOP1,000 and MOP2,000 respectively. |
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3.2 |
Customers are required to maintain the payroll transfer service with BCM bank for 24 months upon the account opened in order to entitle to the Payroll Welcome Offer. If the payroll transfer service is cancelled before the aforementioned date, BCM bank reserves the right to deduct the collected the Payroll Welcome Reward amount from the relevant account of the Customers. |
4. |
Deposit Welcome Offer |
|
4.1 |
The Offer is only applicable to Employee of Designated Public Institution (“Public Institution Employee Customer’). |
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4.2 |
Brand new Public Institution Employee Customer who open saving/current account (“Account”) and maintains monthly average balance of the account below MOP/HKD50,000, can entitle to Bonus Interest 2.4% p.a. on the monthly average balance for the month, up to a maximum of MOP/HKD100, whilst monthly average balance of the account maintained between MOP/HKD50,000 to MOP/HKD100,000 can entitle to Bonus Interest 3% p.a. for the month, up to a maximum of MOP/HKD250 (“Deposit Bonus Interest”). |
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4.3 |
The maximum total Bonus Interest that each Public Institution Employee Customer can entitle to is MOP/HKD750 from the Promotion, regardless of the number of account opened. Customer who fulfills the designated monthly deposit requirements can entitle to the Deposit Bonus Interest each month up to the first 3 consecutive months from the application date. |
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4.4 |
The monthly average amount in excess of MOP/HKD100,000 will be subjected to the prevailing interest rate. |
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4.5 |
The Deposit Welcome Offer cannot be used in conjunction with the Payroll Welcome Offer. |
5. |
Housing / Mortgage Loan Offer |
|
5.1 |
Customers who successfully applied housing / mortgage loan during the Promotion Period can entitle to corresponding cash rebate (“Cash Rebate”).
Granted Housing / Mortgage Loan Amount (MOP/HKD)
|
Cash Rebate (MOP/HKD)
|
Below 2,000,000
|
$500
|
2,000,000 – 5,000,000
|
$800
|
Above 5,000,000
|
$1,000
|
|
|
5.2 |
Customers are required to maintain the Housing/Mortgage Loan with BCM bank until 30 Jun 2023 in order to entitle to Housing/Mortgage Loan Offer, If the Housing/Mortgage Loan is early fully settled or involves the transfer of mortgage to another bank before the aforementioned date, BCM bank reserve the right to deduct the collected Housing/Mortgage Loan Offer. |
6. |
All Payroll Bonus Interest, Deposit Bonus Interest and Cash Rebates and will be automatically deposited into customer’s related account after the Promotion Period. |
7. |
Customers are required to present necessary document(s) to support his/her current employment status. |
8. |
Relevant Accounts should maintain at good financial status in order to entitle to the above offer. Shall customer closed the relevant accounts before the rebates are credited, the related cash rebate will be automatically forfeited. |
9. |
The offers of the Promotion cannot be used in conjunction with the Bank’s other offers. |
10. |
BCM bank reserves the right to amend the Terms & Conditions or terminate the above offers at any time without prior notice. |
11. |
This service/product is not targeted at customers in the EU. |
12. |
In case of dispute, BCM bank reserves the right for the final decision. |
13. |
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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