BNU Offer to Macau Civil Servants

BNU Offer to
Macau Civil Servants
“Deluxe” Package –
A basket of facilities!
Access Conditions
Overdraft
Consumer Loans
Payroll + BOL + Debit Card + Credit Card + One Auto-Pay
Payroll Plus
• Max. limit up to 2 times monthly salary with
ceiling of MOP/HKD100,000
• Int. Rate: P +1% p.a.
OD Facility
• Amount: Minimum MOP/HKD100,000
• Int. rate: P – 2% p.a. to P – 2.5% p.a.
• Collateral: 100% Fixed deposit collateral in
the same currency (MOP/HKD)
• Contract fees: Nil
• Annual fees: Nil
• Commission: Nil
Personal Loan
• Max. amount of MOP/HKD400,000
• Int. Rate: P +1.5% (Flat)
• Loan Tenor: Max. 5 years
Car Loan
• Interest Rate:
New Car = 3.5% (Flat)
Used Car = 4.5% (Flat)
• Loan Tenor: Max. 5 years
Motorcycle Loan
• Max. amount of MOP/HKD150,000
• Loan Tenor: Max. 3 years
• Int. rate:
Prime Rate ‘Flat’ (New)
Prime Rate +1% ‘Flat’ (Used)
Mortgage Loan
• Int. Rate:
As low as P – 3% p.a.or
As low as 6-mth HIBOR + 1.48% p.a.
Education Loan
• Int. Rate: As low as P – 2%
• Loan Tenor: Max. 14 years
(Offered on case-by-case basis)
“BNU Payroll Plus”
A smart way to manage your budget:
– Use when you need; repay when it is convenient.
– Automatic interest savings.
“Payroll Plus” is an overdraft limit attached to your payroll account that allows you to withdraw
funds only when you wish and automatically repay them when you deposit funds to your payroll
account.
Enjoy flexibility and peace of mind in managing your daily budget, with minimum cost.
You may use any positive balance of your account or the overdraft up to the approved limit. On
the other hand, any available balance is automatically transferred to repay the used limit,
minimizing the interest you have to pay.
Interest is charged on daily basis
on negative balance only
Daily
18 19 20
21 22 23
MOP
0
No handling fee
2x
Bonus in new Housing Loan,
Car Loan and Personal Loan
Loan amount up
to 2x monthly salary
“BNU Payroll Plus”
Permanet Waiver of
Credit Card annual fee
No fixed repayment
period
APPLY
RE-APPLY
Month
Pay only when you use it
Repay when you want
No need to re-apply
for the revolving credit
For your peace of mind, you may enjoy a basket of other benefits, namely:
– Permanent waiver of Credit Card annual fee;
– Waiver of 1st year Debit Card annual fee.
Easy to apply:
– Just fill in the application form at any of the BNU Branches.
– Once the limit is approved, you will receive an SMS with the approval confirmation.
BNU Credit Card –
More benefits!
• Installment Plan*: If the purchases you made with your BNU Credit Card are between
MOP2,000 and MOP40,000, you can pay them by installments in a period range from 6 or
12 months and enjoy a monthly commission as low as 0.46% flat;
• Annual fee waived;
• Cash bonus points paid on quarterly basis;
• Privilege and discount offers from merchants included in “BNU Life” program, that are
renewed quarterly;
• Special promotions in Macau and overseas;
• Immediate cash rebate of 0.66% when getting gasoline at Macau Shell and Caltex stations
(applicable for BNU AMEX card, only);
* Quick Steps for Applying Credit Card Installment Plan:
1. Pay with any BNU Credit Card
2. Contact BNU Authorization Room (Hotline 2835-5399) and request to pay
targeted expenses by installments.
3. BNU Authorization Room should return call to you with a decision in 10 minutes.
4. Request is applicable to retail transactions (cash advance or casino chips are
excluded) between MOP2,000 / MOP40,000 and must be done before the
Statement Due Date (up to 5 working days).
BNU Savings Solutions –
Choose the ones
most suitable for you
• Time Deposits in different currencies and tenors at your discretion;
• Retirement Plans;
• Mutual Funds;
• Online Stock Trading;
• Investment Portfolio – we offer customized portfolios according to your savings objectives.
Please contact your Account or Branch Manager for more information.
Promotional offer
1 Year Time Deposit in CNY – up to 3.28% p.a.
Terms & Conditions applied.
For enquiries, please call 2833 5533