Terms and Conditions:

1. The “BCM Personal Loan Campaign - Renovation Offer” (“Renovation Offer”) of Banco Comercial de Macau, S.A. (“BCM”) is only applicable to the customers of who subscribed the dedicated renovation packages offered by Mobilia Art House (“Partner”) (“Applicants”).
2. Applicants who successfully applied for the Renovation Offer via the Partners from 19 September 2025 until 31 December 2025 (“Promotion Period”) can be entitled to the interest-free Personal Loan service.
3. The minimum loan amount of the Renovation Offer is MOP/HKD30,000.
4. The loan period must be either 12 months or 24 months.
5. Upon the approval and granting of the Loan. The Applicant undertakes to repay the full loan amount to BCM on monthly basis, despite any agreement between the Applicant and the Partner being in contrary to any of these terms and conditions.
6. BCM has no responsibility in any way for services provided by the Partner and any dispute relating to the same should be resolved by the Applicant directly with Partner. No claim by the Applicant against the Partner will relieve the Applicant from his/her obligation to settle the monthly loan repayment amount and other obligations to BCM.
7. Early Partial Repayment is not allowed for BCM Personal Loans under this Renovation Offer.
8. Early Full Repayment within the first 12months of loan period is subject to a penalty of 2-month interest on initial loan principal or MOP/HKD300 (whichever is higher); Early Full Repayment from the13^th month of loan period and onward is subject to a penalty of 1.5-month interest on initial loan principal or MOP/HKD300 (whichever is higher).
9. The loan applications are subjected to the final approval by BCM at the prevailing interest rate defined from time to time by BCM without prior notice.
10. In case of dispute, BCM reserves the right for the final decision.
11. In case of discrepancy in interpretation between the Chinese and English versions, the Chinese version shall prevail.