| Terms and Conditions |
| 1. |
Applicants who successfully applied for the Personal Loan of Banco Comercial de Macau, S.A. (“Personal Loan”) (“BCM”) from 1 August until 31 October 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 8.53% 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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