Personal Instalment Loan
Industrial and Commercial Bank of China (Asia) Limited
Intro
About this product
A personal loan from Industrial and Commercial Bank of China (Asia) Limited. Tenors run 12–60 months. The monthly flat rate is 0.135% and the APR 3.02%–5.72%. On fees, handling fee 0%. On early repayment, Early repayment before maturity: the Bank reserves the right to charge the fees and charges arising from an early full repayment (stated for cash-rebate customers).
Fit
Who it suits
- Borrowers who prefer a longer tenor (up to 60 months)
- Strong-credit borrowers aiming for an APR as low as 3.02%
- Borrowers who want the handling fee waived
Key facts
Key facts
Cost
APR
3.02%–5.72%
Monthly flat rate
0.135%
handling fee 0% · Waived for the entire loan term
Repayment
Tenor
12–60
Early repayment before maturity: the Bank reserves the right to charge the fees and charges arising from an early full repayment (stated for cash-rebate customers).
The fees and charges arising from early repayment, at the Bank's discretion.
No advance-notice requirement is published on this page; the related document 'Important Matters on Early Repayment in Full of Personal Instalment Loans' carries the detailed early-settlement terms.
The page states no exceptions to the early-repayment charge.
Amount
Loan amount
To be verified
Effective from
21 Sep 2026
Reminder: borrow only what you can repay, and never pay a middleman.
Source: ICBC Asia Personal Instalment Loan Last updated: Data follows the institution's official pages and is not investment or lending advice.