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| 跨境個人金融 - | 專才及優才客戶 |
創興銀行（「本行」）特別為優秀人才入境計劃及高端人才通行證計劃到港的客戶（「優才客戶」及「專才客戶」）推出「個人客戶跨境金融服務」推廣計劃，優惠包括存款﹑信用卡﹑保險﹑投資及私人貸款方面，讓客戶體驗全面、專業及優質的理財服務。
| 產品 | 推廣期（包括首尾兩天） | 合資格客戶 | 優才及專才客戶 優惠 |
推廣優惠條件 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 存款 | 2024年7月1日至12月31日 | 全新客戶1a成功開立本行「悅秀理財」賬戶或「悅進理財」賬戶 |
迎新奬賞高達HK$28,300
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1a.
「全新客戶」指於開戶前12個月內於本行並未持有個人及／或聯名賬戶（只持有信用卡賬戶者除外）
1b.
客戶親臨本行任何香港分行，成功晉身「悅秀理財」或「悅進理財」並於推廣期內由開戶月起計第1至3個曆月期間之總資產結存增長分别維持HK$1,000,000 或以上或HK$200,000或以上（或其等值）可享HK$500或HK$200奬賞。
客戶可透過網上預約分行開戶: 2.
總資產結存增長的客戶須於推廣期內同時符合任何2項以下條件：
3.
客戶須符合以下條件：
4a.
只適用於客戶在推廣期內敍造3個月港元定期存款金額達HK$1,000,000或以上之定期存款。
4b.
只適用於開戶後首3個月之首HK$10,000-HK$200,000之儲蓄存款，定期存款不計算在內。
5.
受薦人須符合指定條件，推薦人方可獲享推薦獎賞，每位推薦人最高可享HK$13,000現金回贈。
6.
客戶須經本行任何本地分行以指定貨幣經本行牌價兌換成港元並同時開立指定期限之港元定期存款，方可享特惠年利率。
7.
於信用卡發卡後首2個月內累積零售簽賬HK$8,000或累積電子錢包消費HK$4,000。
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| 信用卡 | 2024年7月1日至12月31日 | 全新客戶成功申請信用卡須成功開立「悅秀理財」賬戶或「悅進理財」賬戶 | 可享迎新獎賞（「獎賞」）HK$800 |
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| 保險 |
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本行尊貴客戶 |
人壽保險
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| 投資 | 2024年7月1日至12月31日 | 持本行有效個人投資賬戶的客戶 | 完成/更新「投資風險及脆弱客戶評估問卷」，可獲HK$100電子現金券獎賞。 | 合資格客戶必須於本行網上銀行/流動理財完成/更新「投資風險及脆弱客戶評估問卷」。 | |||||||||||||||
| 「優才客戶」及「專才客戶」私人貸款 | 2024年7月1日至12月31日 | 成功申請「優才客戶」及「專才客戶」私人貸款（須成功開立本行港幣儲蓄或往來同名賬戶） | 成功提取「優才客戶」及「專才客戶」私人貸款金額達HK$1,000,000，可享實際年利率低至2.41%。 | 以私人貸款額HK$1,000,000、每月平息0.108%及還款期12個月計算，實際年利率為2.41%（豁免手續費） |
借定唔借？還得到先好借！
有關以上推廣之條款及細則，請參閱以下連結。
風險披露聲明
- 本宣傳品之內容僅供參考，並不構成任何方式之招攬、邀請及建議。
- 個別基金乃涉及金融衍生工具的投資產品。投資決定是由 閣下自行作出的， 但 閣下不應投 資在該產品，除非中介人於銷售該產品時已向 閣下解釋經考 慮 閣下的財務情況、投資經驗 及目標後，該產品是適合 閣下的。
- 以外幣作出的投資受匯率波動而產生獲利機會及虧損風險。客戶如將外幣兌換成為港幣或其 他外幣時，可能受外幣匯率的波動而獲利或蒙受虧損，甚至損失全部本金。因此， 閣下應慎重考慮該項目是否適 合 閣下的財務狀況以及投資目標。人民幣目前並未能自由兌換，而香港各銀行進行人民幣兌 換均受中國及／或香港有關規管當局或有關機構不時釐定之規則、指引、規定及條款所規 限。
- 投資涉及風險，過往業績並不代表將來表現。投資產品價格可升可跌，甚至變得毫無價值。投 資者在作出任何投資決定前，應考慮本身的投資目標、投資經驗、財務狀況、風險承受程度及 其他相關條件，並細閱有關銷售文件及風險披露聲明。如有任何疑問，應諮詢獨立的法律及財 務顧問意見。以上獎賞並不構成亦不應視為要約或游說買賣任何投資產品或服務。投資產品並 不保本及有別於一般定期存款，故不應被視為一般定期存款之代替品。投資者不應只單憑本宣 傳品而作出投資決定。
- 本宣傳品由創興銀行有限公司刊發，內容並未經香港證券及期貨事務監察委員會或任何監管機 構審閱。
請注意，此等資料只可在推廣期內透過以下渠道供查閱及下載，恕本行未能以紙張形式提供。如有需要，請儲存有關資料的副本，以備日後參考。否則在推廣期後，閣下或未能再次查閱或下載有關資料。
條款及細則
創興銀行「個人客戶跨境金融服務」推廣計劃一般條款及細則
創興銀行「存款優惠」條款及細則
創興銀行「信用卡優惠」條款及細則
創興銀行「保險優惠」條款及細則
完成/更新「投資風險及脆弱客戶評估問卷」獎賞2024年(下半年) 條款及細則
創興銀行「私人貸款優惠」條款及細則
越秀集團成員
| 跨境个人金融 - | 专才及优才客户 |
创兴银行（「本行」）特别为优秀人才入境计划及高端人才通行证计划到港的客户（「优才客户」及「专才客户」）推出「个人客户跨境金融服务」推广计划，优惠包括存款﹑信用卡﹑保险﹑投资方面及私人貸款，让客户体验全面、专业及优质的理财服务。
| 产品 | 推广期 （包括首尾两天） |
合资格客户 | 优才及专才客户优惠 | 推广优惠条件 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 存款 | 2024年7月1日至12月31日 | 全新客户1a成功开立本行「悦秀理财」账户或「悦进理财」账户 | 迎新奬赏高达 HK$28,300
|
1a.
「全新客户」指于开户前12个月内于本行并未持有个人及／或联名账户（只持有信用卡账户者除外）。
1b.
客户亲临本行任何香港分行，成功晋身「悦秀理财」或「悦进理财」并于推广期内由开户月起计第1至3个历月期间之总资产结存增长分别维持HK$1,000,000 或以上或HK$200,000或以上（或其等值）可享HK$500或HK$200奬赏。
客户可透过 网上预约分行开户: 2.
总资产结存增长的客户须于推广期内同时符合任何2项以下条件：
3.
客户须符合以下条件：
4a.
只适用于客户在推广期内叙造3个月港元定期存款金额达HK$1,000,000或以上之定期存款。
4b.
只适用于开户后首3个月之首HK$10,000-HK$200,000之储蓄存款，定期存款不计算在内。
5.
受荐人须符合指定条件，推荐人方可获享推荐奖赏，每位推荐人最高可享HK$13,000现金回赠。
6.
客户须经本行任何本地分行以指定货币经本行牌价兑换成港元并同时开立指定期限之港元定期存款，方可享特惠年利率。
7.
于信用卡发卡后首2个月内累积零售签账HK$8,000或累积电子钱包消费HK$4,000
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| 信用卡 | 2024年7月1日至12月31日 | 全新客户成功申请信用卡须成功开立「悦秀理财」账户或「悦进理财」账户 | 可享迎新奖赏（「奖赏」）HK$800 |
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| 保險 |
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本行尊贵客户 |
人寿保险
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| 投资 | 2024年7月1日至12月31日 | 持本行有效个人投资账户的客户 | 完成/更新「投资风险及脆弱客户评估问卷」，可获HK$100电子现金券奖赏。 | 合资格客户必须于本行网上银行/流动理财完成/更新「投资风险及脆弱客户评估问卷」。 | |||||||||||||||
| 「优才客户」及「专才客户」私人贷款 | 2024年7月1日至12月31日 | 成功申请「优才客户」及「专才客户」私人贷款（须成功开立本行港币储蓄或往来同名账户） | 成功提取「优才客户」及「专才客户」私人贷款金额达HK$1,000,000，可享实际年利率低至2.41%。 | 以私人贷款额HK$1,000,000、每月平息0.108%及还款期12个月计算，实际年利率为2.41%（豁免手续费） |
借定唔借？还得到先好借！
有关以上推广之条款及细则，请参阅以下连结。
风险披露声明
- 本宣传品之内容仅供参考，并不构成任何方式之招揽、邀请及建议。
- 个别基金乃涉及金融衍生工具的投资产品。投资决定是由 阁下自行作出的， 但 阁下不应投 资在该产品，除非中介人于销售该产品时已向 阁下解释经考 虑 阁下的财务情况、投资经验 及目标后，该产品是适合 阁下的。
- 以外币作出的投资受汇率波动而产生获利机会及亏损风险。客户如将外币兑换成为港币或其 他外币时，可能受外币汇率的波动而获利或蒙受亏损，甚至损失全部本金。因此， 阁下应慎重考虑该项目是否适 合 阁下的财务状况以及投资目标。人民币目前并未能自由兑换，而香港各银行进行人民币兑 换均受中国及／或香港有关规管当局或有关机构不时厘定之规则、指引、规定及条款所规 限。
- 投资涉及风险，过往业绩并不代表将来表现。投资产品价格可升可跌，甚至变得毫无价值。投 资者在作出任何投资决定前，应考虑本身的投资目标、投资经验、财务状况、风险承受程度及 其他相关条件，并细阅有关销售文件及风险披露声明。如有任何疑问，应咨询独立的法律及财 务顾问意见。以上奖赏并不构成亦不应视为要约或游说买卖任何投资产品或服务。投资产品并 不保本及有别于一般定期存款，故不应被视为一般定期存款之代替品。投资者不应只单凭本宣 传品而作出投资决定。
- 本宣传品由创兴银行有限公司刊发，内容并未经香港证券及期货事务监察委员会或任何监管机 构审阅。
请注意，此等资料只可在推广期内透过以下渠道供查阅及下载，恕本行未能以纸张形式提供。如有需要，请储存有关资料的副本，以备日后参考。否则在推广期后，阁下或未能再次查阅或下载有关资料。
相关资料
创兴银行「个人客户跨境金融服务」推广计划一般条款及细则
创兴银行「存款优惠」条款及细则
创兴银行「信用卡优惠」条款及细则
创兴银行「保险优惠」条款及细则
完成/更新「投资风险及脆弱客户评估问卷」奖赏2024年(下半年) 条款及细则
创兴银行「私人贷款优惠」条款及细则
越秀集团成员
| Cross-boundary financial services of individual customers - Southbound and Talent customers |
Chong Hing Bank (the "Bank") provides “Cross-boundary Financial Services of Individual Customers” program especially for Customers of the Quality Migrant Admission Scheme and the Top Talent Pass Scheme (“Professional Customer” and “Top Talent Customer”) , including deposits, credit cards, insurance, investment and personal loan, offers a comprehensive, professional and high-quality financial service experience to customers.
| Product | Promotion Period (both dates inclusive) |
Eligible Customers | Promotions for Professional Customers and Top Talent Customers | Promotional Offer Conditions | |||||||||||||||
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| Deposit | 01 July - 31 December 2024 | New customers1a who have successfully joined Chong Hing Exceed Banking or Go Banking | Exceed Banking Welcome Rewards up to HK$28,300
|
1a.
For New Customer who has not held any single name and/or joint name account (except credit card account)with the Bank in the past 12 months prior to account opening.
1b.
Customers must successfully joined Exceed Banking or Go Banking at any branch of the Bank in Hong Kong and maintain the amount of Total Asset Balance Growth of HK$1,000,000 or HK$200,000 or above (or its equivalent) during the 1st to 3rd calendar month starting from the month of account opening during the promotion period to enjoy a HK$500 or HK$200 reward.
Customers can make an online appointment to open an account: 2.
Customers with Total Asset Balance Growth are required to fulfill any 2 of the following requirements within the Promotion Period:
3.
Customers are required to fulfill the following requirements:
4a.
Only applicable to customers making HKD fixed deposit with amount of HK$1,000,000 or above within the Promotion Period.
4b.
Only applicable to the first HK$10,000-HK$200,000 savings deposit within the first 3 months upon account opening, fixed deposit will not be calculated.
5.
Referrer can receive the Referral Reward once the referee has fulfilled the designated requirements. Each referrer can receive HK$13,000 cash rebate at maximum.
6.
Customers who set up a HKD fixed deposit with designated currencies exchanged at board rate with a designated tenor at the same time via any local branch of the Bank can enjoy the preferential interest rate.
7.
Cumulative retail spending amount of HK$8,000 or eWallet spending amount of HK$4,000 within the first 2 months upon card issuance.
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| Credit Card | 01 July - 31 December 2024 | New customer successfully applied for the credit card (must successfully joined Chong Hing Exceed Banking or Go Banking). | Credit Card Welcome Reward (the “Reward”) HK$800 |
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| Insurance |
1. Financial Needs Analysis Gifts Programme 02 July 2024 - 30 September 2024 2. "Power Pro Rewards 2024 ”Client Promotion Incentive 02 July - 31 December 2024 |
The Bank’s valued customers |
Life Insurance
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(a) First Year Premium Discount Incentive
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| Investment | 01 July - 31 December 2024 | Individual Customers who hold valid Investment Accounts of the Bank | By completing/renewing the “Investment Profile Questionnaire and Vulnerable Customer Assessment”, can get a HK$100 electronic voucher. | Eligible Customers must complete/renew the "Investment Profile Questionnaire and Vulnerable Customer Assessment" via Internet Banking / Mobile Banking of the Bank. | |||||||||||||||
| "Top Talent Customer" and "Professional Customer" Personal Loan | 01 July - 31 December 2024 | Successfully apply for "Top Talent Customer" and "Professional Customer" Personal Loan (must successfully set up HKD Savings or Current Deposit Account at the Bank under their same name) | Successfully apply for "Top Talent Customer" and "Professional Customer" Personal Loan and draw down in full of loan amount HK$1,000,000, annualized percentage rate as low as 2.41% | For a Loan amount of HK$1,000,000, the APR of 2.41% is calculated based on a monthly flat rate of 0.108% and a 12-month repayment period (including full handling fee waiver) |
To borrow or not to borrow? Borrow only if you can repay!
Risk Disclosure
- This promotional material is for reference only. It does not constitute any offer, solicitation or recommendation.
- Certain investment funds are investment products involving derivatives. The investment decision is yours but you should not invest in the product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
- Investments through foreign currency are subject to exchange rate fluctuations which may provide both opportunities and risks of losses. The fluctuation in the exchange rate of foreign currencies may result in gains or losses in the case where the customer converts foreign currencies to HK dollars or HK dollars to foreign currencies and even suffer loss in principal in total. You should therefore carefully consider whether such item is suitable in light of your financial position and investment objective. RMB is not freely convertible and currency exchange of RMB through banks in Hong Kong is subject to the rules, regulations and guidelines from the relevant regulatory authorities or relevant entities in China and/or Hong Kong from time to time.
- Investment involves risks. Past performance is not indicative of future performance. The price of investment products may move up or down, and may become valueless. Investors should consider their own investment objective, investment experience, financial position, risk tolerance level and relevant circumstances, and read the relevant offering documents and risk disclosure statement before making any investment decision. If investors have any doubt, they should seek independent professional advice. The above Reward by itself is not and should not be considered as an offer or solicitation to deal in any of the investment products or services. Investment product is not capital protected and is not a normal time deposit, and thus should not be considered as a normal time deposit or its alternative. Investors should not make investment decisions based on the information of this promotional material alone.
- This promotional material is issued by Chong Hing Bank Limited, it has not been reviewed by the Securities and Futures Commission of Hong Kong or any regulatory authorities in Hong Kong.
Please refer to the link below for the terms and conditions of the above promotion. Please note that the information will only be available for access and download through below channels during the promotion period, and no paper-based format can be provided by the Bank. Please save a copy of the relevant information for future reference when needed. Otherwise, you may not be able to access or download it again subsequent to the expiry of the promotion period.
Related information:
General Terms and Conditions of Chong Hing Bank “Cross-boundary financial services of individual customers” Programme
Terms and Conditions of Chong Hing Bank “Deposit Offers”
Terms and Conditions of Chong Hing Bank “Credit Card Offers”
Terms and Conditions of Chong Hing Bank “Insurance Offers”
Complete / Update “Investment Profile Questionnaire and Vulnerable Customer Assessment” Offer Second Half of 2024 Terms and Conditions
Terms and Conditions of Chong Hing Bank “Personal Loan Offers”
A Member of Yuexiu Group