Dah Sing Bank, Limited - Personal - Mortgage

Realising Your Dream of Acquiring Property and Enhancing Your Wealth in One Go

Dah Sing Mortgage 1+1 Account offers a one-stop financial tool that combines your savings, cheque and mortgage accounts. Whether you are buying a new home or refinancing your existing property, Mortgage1+1 Account offers an attractive mortgage loan interest rate, and a deposit interest rate equivalent to the mortgage interest rate, so that you can earn a much higher return than ordinary fixed deposit placement. In addition, deposits in your current account can be withdrawn anytime, which allows you manage your cash flow easily. Mortgage 1+1 is indeed a powerful mortgage and value-added package for you.

Mortgage Account	+	High Interest Rate Current Account
Preferential Mortgage Interest Rate		Deposit rates same as mortgage rates is accrued on a daily basis²
Loan Amount up to 90% of the purchase price or appraised value of the property¹		Interest on the current account balance, enjoy the advantage of the high interest rate
Loan Period up to 30 years		Free cheque books and ATM card
Applicable to both new purchases and refinancing		24-hour phone banking and e-banking service

1.	For mortgage loan amount exceeds 70% of the property value or the appraised value of the property (whichever is lower), customers are required to apply for the HKMC's Mortgage Insurance Program at their own cost. HKMC's Mortgage Insurance Program is not applicable to Mortgage 1+1 account with 60% preferential deposit balance cap.
2.	Mortgage1+1 Account offers a deposit interest rate equivalent to the mortgage interest rate. The maximum deposit amount of Mortgage 1+1 current account eligible to entitle deposit interest will adjust according to the outstanding principal amount of the mortgage account. No interest will be paid for excess deposits. For VIP customer's Mortgage 1+1 current account, the maximum deposit amount eligible to entitle deposit interest will be equaled to 60% or less of the outstanding loan amount in the mortgage account. For general customer's Mortgage 1+1 current account, the maximum deposit amount eligible to entitle deposit will be equaled to 50% or less of the outstanding loan amount in the mortgage account.
3.	Repayment must be made with the Mortgage 1+1 current account.
4.	A handling fee will be charged for existing Dah Sing Bank's mortgage customers who want to transfer to Mortgage 1+1 Account. Please contact any Dah Sing branches for details.
5.	The Mortgage 1+1 current account will not be entitled to any deposit interest upon mortgage payment default. Please contact any Dah Sing Bank branches for details.

Realising Your Dream of Acquiring Property and Enhancing Your Wealth in One Go


	Privileged Interest Rate as low as		Cash Rebate up to % of loan amount

	Mortgage 1 + 1 Plan

Combines a savings account, current account and mortgage in one account. Mortgage interest rate can be as low as P-2.25% p.a. and current account entitles deposit rate same as mortgage rate

0.40%

Note:

1.	The Residential Mortgage Plan offers are applicable to residential estates registered under an individual or limited company name. For enquiries, please check with our staff at branches of Dah Sing Bank.
2.	"P" refers to the prevailing HKD Prime Rate quoted by Dah Sing Bank from time to time.
3.	Dah Sing Bank reserves the right to revise the above offers and terms at any time without prior notice.
4.	The above mortgage plan is subject to relevant terms and conditions. Please contact our staff at branches of Dah Sing Bank for details.

Realising Your Dream of Acquiring Property and Enhancing Your Wealth in One Go

Other Privileges

	Credit card annual fee waiver.
	Household Contents Insurance premium waiver for six months in the first year¹.
	Complimentary fire insurance for the first year.

Note:

1.	The offers for Household Contents Insurance are valid until 31 December 2010. The above offers are only applicable to customers insured with Dah Sing Insurance Company Limited. Please contact our staff at Dah Sing Bank Branches for details about the above offers and terms.
2.	The terms and conditions of above mortgage plans are for reference only. Actual and final mortgage loan offer is subject to relevant terms and conditions agreed between the Bank and customers.
3.	Dah Sing Bank reserves the right to revise the above offers and terms at any time without prior notice.
4.	The above mortgage plan is subject to relevant terms and conditions. Please contact our staff at Dah Sing Bank Branches for details.

Mortgage 1 + 1 Account

Introduction

Privileged Rate Offer

Other Privileges

Realising Your Dream of Acquiring Property and Enhancing Your Wealth in One Go

Mortgage Account	+	High Interest Rate Current Account
Preferential Mortgage Interest Rate		Deposit rates same as mortgage rates is accrued on a daily basis²
Loan Amount up to 90% of the purchase price or appraised value of the property¹		Interest on the current account balance, enjoy the advantage of the high interest rate
Loan Period up to 30 years		Free cheque books and ATM card
Applicable to both new purchases and refinancing		24-hour phone banking and e-banking service

1.	For mortgage loan amount exceeds 70% of the property value or the appraised value of the property (whichever is lower), customers are required to apply for the HKMC's Mortgage Insurance Program at their own cost. HKMC's Mortgage Insurance Program is not applicable to Mortgage 1+1 account with 60% preferential deposit balance cap.
2.	Mortgage1+1 Account offers a deposit interest rate equivalent to the mortgage interest rate. The maximum deposit amount of Mortgage 1+1 current account eligible to entitle deposit interest will adjust according to the outstanding principal amount of the mortgage account. No interest will be paid for excess deposits. For VIP customer's Mortgage 1+1 current account, the maximum deposit amount eligible to entitle deposit interest will be equaled to 60% or less of the outstanding loan amount in the mortgage account. For general customer's Mortgage 1+1 current account, the maximum deposit amount eligible to entitle deposit will be equaled to 50% or less of the outstanding loan amount in the mortgage account.
3.	Repayment must be made with the Mortgage 1+1 current account.
4.	A handling fee will be charged for existing Dah Sing Bank's mortgage customers who want to transfer to Mortgage 1+1 Account. Please contact any Dah Sing branches for details.
5.	The Mortgage 1+1 current account will not be entitled to any deposit interest upon mortgage payment default. Please contact any Dah Sing Bank branches for details.