Digital Loan Service - Investment Funds

Loan Interest Rate (promotional interest rate)

HIBOR means the Hong Kong Interbank Offered Rate which shall be determined by the Bank.

OK

Handling Charge

Calculated based on successfully applied facility limit.

OK

“Working day”shall mean a day (other than Saturday, Sunday or public holidays or any day which a typhoon warning signal no. 8 or above and black rainstorm warning is hoisted) on which banks are open for general business in Hong Kong.

OK

Loan To Value Ratio (according to the risk level of investment funds)

	Product Risk Rating	Loan To Value Ratio
Non-derivative Fund	Very Low (R1)	70%
	Low (R2)	65%
	Medium (R3)	60%
	High (R4)	55%
	Very High (R5)	0%
Derivative Fund	Any	0%

(For reference only)
The Bank reserves the right to revise the loan to value ratio of different types of funds.

OK

Digital Loan Service - Investment Funds

Product Features
Facility Limit Min. amount is HKD500,000
Max. amount is HKD99,999,000
Loan To Value Ratio(according to the risk level of investment funds) 55% to 70%
Loan Interest Rate(promotional interest rate) One Month HIBOR +1% per annum
Handling Charge - Sunflower segment: 0.25% p.a. of facility limit
- Private Wealth Management segment: 0.2% p.a. of facility limit*Fee waiver in the first year
Loan Type Secured overdraft facility limit
Expiry Date Subject to annual review
Loan Purpose Applicable for the subscription of wealth management products through the Bank only

Application Points to Note
Investment funds account holder and not an existing customer on overdraft charge against investment funds
CMB Wing Lung All-In-One Card Account or current account holder
CMB Wing Lung Sunflower/ CMB Wing Lung Private Wealth Management Service Customer. By successfully apply Digital Loan – Investment Funds, you will be upgraded as a CMB Wing Lung Sunflower Service Customer.
Non Capital Investment Entrant Scheme customer
Application submitted from Monday to Friday before 2:00p.m. will be processed on the same date, otherwise it will be processed on the next working day
SMS for application notification. Customer can check the status via CMBWLB Wintech App

OK

Digital Loan Services -
Investment Funds

Enjoy enhanced liquidity for wealth management products subscription in the Bank through secured credit line against your investment funds.

Digital Loan Services -Investment Funds

Enjoy enhanced liquidity for wealth management products subscription in the Bank through secured credit line against your investment funds.

Digital Loan Services -
Investment Funds