A smart way to manage all your personal finance!
BCM Family Loan package makes it easy for you to handle your money for all sorts of important events in life. It includes six kinds of loan to meet your needs:
- We offer competitive interest rate, with interest calculated by Reducing Balance Method to minimize your interest expense!
- Flexible repayment period allows you to manage your finance easily.
- Easy application and fast approval process makes it even better.
Apply for a BCM Family Loan now at any BCM branch. For further information, please call TeleBCM at 8796 8888.
Got a new apartment or want to modify your existing one? BCM Home Renovation Loan is the financial solution you are looking for. It applies to the purchase of household equipments and/or expenses for home renovation.
| Interest rate |
Maximum loan amount |
Maximum repayment period |
| as low as Prime Rate + 4% |
MOP100,000.00 |
3 years |
For application, simply come in person to one of our BCM branches or to our extensive Family Loan Affiliated merchants with your I.D. copy, income proof and quotation from merchant(s).
For further information, please call TeleBCM at 8796 8888.
Marriage is an important stage in life. You may have to make every arrangement for your wedding, but you don't need to worry anymore about the wedding expenses. We are here to give our helping hand to prepare all the details for the most important day of your life.
Interest rate |
Maximum loan amount |
Maximum repayment period |
as low as Prime Rate + 4% |
MOP100,000.00 |
3 years |
For application, simply come in person to one of our BCM branches with I.D. copies of applicant and spouse, income proof, proof of marriage registration, and quotation/invoice of wedding expenses.
For further information, please call TeleBCM at 8796 8888.
Heavy workload makes you feel like needing a nice holiday getaway! BCM Travel Loan can help you to make your trip come true. Hurry up, make your reservation today and let BCM Travel Loan take care of the rest.
Interest rate |
Maximum loan amount
|
Maximum repayment period |
as low as Prime Rate + 4% |
Up to 90% of the travel costs with a maximum of MOP50,000.00 |
2 years |
For application, simply come in person to one of our BCM branches with your I.D. copy, income proof and quotation from travel agency.
For further information, please call TeleBCM at 8796 8888.
To accommodate those unpredictable events in life, BCM instant loan is the best and fastest way to help you overcome your unexpected financial needs.
Interest rate |
Maximum loan amount |
Maximum repayment period |
as low as Prime Rate + 5% |
Up to one month's salary of the applicant |
6 months |
For application, simply come in person to one of our BCM branches with your I.D. copy and income proof.
For further information, please call TeleBCM at 8796 8888.
Learning is a never-ending process in life. Knowledge is more than just a treasure because it can lead us to a successful career path and a comfortable life. Whether you are planning to attain a Diploma, Bachelor, Master or Ph.D degree in Macau, Hong Kong or overseas, BCM Education Loan is the ideal solution for you to fulfill your dream.
Full Time Student Package
We provide two loan schemes for full time students to match their goals and objectives:
"Relaxing Scheme"
This payment scheme allows you to settle only interest during the study period and pay principal plus interest after graduation.
Interest rate |
Maximum loan amount |
Maximum repayment period |
Prime Rate |
Maximum loan amount:
local studies - MOP150,000 or annual salary of parents
overseas studies - MOP300,000 or annual salary of parents
|
up to 8 years or 2 times the total years of study |
"Constant Scheme"
This payment scheme allows you to settle both principal and interest repayments during the study period.
Interest rate |
Maximum loan amount |
Maximum repayment period |
Prime Rate |
local studies - MOP150,000 or annual salary of parents
overseas studies - MOP300,000 or annual salary of parents
|
up to 8 years or same as the total years of study |
Part Time Student Package
Part time student can repay both principal & interest repayments for the entire loan term with a peace of mind.
Interest rate |
Maximum loan amount |
Maximum repayment period |
Prime Rate |
MOP150,000 or annual salary of applicant or together with spouse |
Maximum repayment period: up to 6 years |
Whether you are a full time or part time student, a further interest reduction of 0.125% will be granted if at any time during the loan period transfers your payroll account to BCM.
For application, simply come in person to one of our BCM branches with your I.D. copy, income proof (of guarantor if applicable) and proof of school admission.
For further information, please call TeleBCM at 8796 8888.
BCM introduces the new "Medical Loan" under the Family Loan portfolio. It offers extraordinary benefits to ease your worries in case of unpredictable hospitalization of your beloved family members so that you can free your mind to take best care of the needy in your family.
Interest rate
|
Maximum loan amount |
Maximum repayment period |
as low as Prime Rate + 3% |
Up to 100% of the medical expenses incurred for hospitalization, with a maximum amount of MOP100,000.00 |
3 years |
For application, simply come in person to one of our BCM branches with your I.D. copy, income proof and doctor's declaration of hospitalization or invoices from hospital or medical clinic.
For further information, please call TeleBCM at 8796 8888.
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