| Terms and Conditions |
| 1. |
Applicants who successfully applied for the Personal Loan of Banco Comercial de Macau, S.A. (“Personal Loan”) (“BCM”) from 23 May until 31 July 2025 (“Campaign Period”) can be entitled to the “BCM Personal Loan Special Offer” (“Promotion”). |
| 2. |
Special Interest Offer: Customers who successfully applied for the Personal Loan within the Campaign Period can enjoy special interest rate |
| 2.1 |
The loan period must be 24 months / 36 months / 48 months / 60 months. |
| 2.2 |
Early Partial Repayment is not allowed for BCM Personal Loans under this Special Interest Offer.
|
| 2.3 |
Under the loan tenor of 24 to 60 months, the Annual Percentage Rate (“APR”) of the Special Interest Rate for normal customer and professionals/civil servants/payroll account customer would not exceed 14.96% p.a. and 8.39% p.a. respectively. Actual APR will be subjected to the final loan approval. |
| 2.4 |
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. |
| 2.5 |
The minimum loan amount for the campaign is defined by BCM on campaign basis at BCM’s discretion. |
| 2.6 |
The loan applications are subjected to the final approval by BCM at the prevailing interest rate defined from time to time by BCM without prior notice. |
| 2.7 |
Applicants are required to provide necessary document(s) to support his/her current employment status. |
| 3. |
Macau Insurance Company (“MIC”) Personal Accident Insurance Plan Offer (“Insurance Offer”): Customer can enjoy free subscription of “MIC Personal Accident Insurance Plan – Plan A” for 1 year upon successful Personal Loan approval and drawdown, and 20% discount for the policy renewal |
| 3.1 |
The policy effective date will start at 10 calendar days from the application date of the Personal Accident Insurance Plan. |
| 3.2 |
The Insurance applications are bounded by terms and conditions stipulated in the insurance policy issued by MIC. |
| 3.3 |
The Insurance application is subject to the final approval by MIC. |
| 3.4 |
The Insurance could not be changed, exchanged for cash or transferred. |
| 3.5 |
BCM is not the supplier of the Insurance and take no responsibility to the products or services provided by MIC. |
| 4. |
Early Full Repayment within the first 12months of loan period is subject to a penalty of 2-months interest on initial loan principal or MOP/HKD300 (whichever is higher) with additional MOP/HKD500 administrative fee for the Personal Accident Insurance Plan (if applicable); early Full Repayment from the 13th month of loan period and onward is subject to a penalty of 1.5-month interest on initial loan principal or MOP/HKD300 (whichever is higher). |
| 5. |
BCM Bank reserves the right to amend or terminate the offers and terms and conditions at anytime without prior notice. |
| 6. |
This service/product is not targeted at customers in the EU. |
| 7. |
In case of dispute, BCM Bank reserves the right for the final decision. |
| 8. |
In case of discrepancy in interpretation between the Chinese and English versions, the Chinese version shall prevail. |
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