Zhang Jinxia & Anor v Zhu Yuhua

[2026] SGHC(A) 3 High Court (Appellate Division) 26 January 2026 • AD/CA 24/2025 • 16 min read
5 cases cited (4 SG, 1 foreign)

Catchwords

Damages — Liquidated damages or penalty Credit and Security — Money and moneylenders — Loans of money

Practice Areas

Damages Credit and Security

Judges (3)

Ang Cheng Hock Delivered Debbie Ong Siew Ling Coram Woo Bih Li Coram

Counsel (9)

De Souza Lim & Goh LLP Firm Invictus Law Corporation Firm Wilberforce TJC Law Corporation Firm Darren Tan Tho Eng Counsel Respondent Goh Kim Thong Andrew Counsel Appellant Nathanael Carmello Lopez Counsel Appellant Siew Wei Ying Silas Counsel Respondent Sim Qian Hui Counsel Respondent Teo Sze-Yin Emily Counsel Appellant

Parties (3)

Wang Quancheng Appellant Zhang Jinxia Appellant Zhu Yuhua Respondent

Case Significance

[2026] SGHC(A) 3 is a High Court (Appellate Division) decision dated 26 January 2026 concerning Credit and Security and Damages, specifically addressing liquidated damages or penalty and money and moneylenders. The judgment was delivered by Ang Cheng Hock, with Debbie Ong Siew Ling and Woo Bih Li on the coram. The case was brought by Wang Quancheng and others (appellant) against Zhu Yuhua (respondent). Legal representation was provided by De Souza Lim & Goh LLP and Invictus Law Corporation. The judgment cites 5 cases (4 Singapore, 1 foreign).

Summary

The appellants appealed against a judgment requiring them to repay loans under two written agreements, challenging the calculation of overpayment on the first loan and the enforceability of an interest clause in the second loan as a penalty. The Appellate Division allowed the appeal in part, correcting a calculation error and reducing interest by $2,000, but rejected the penalty argument finding the agreed interest clause was not extravagant or unconscionable given the parties' equal bargaining power.

What was decided in [2026] SGHC(A) 3?

[2026] SGHC(A) 3 (Zhang Jinxia & Anor v Zhu Yuhua) is a High Court (Appellate Division) decision from 26 January 2026 addressing Credit and Security and Damages, specifically liquidated damages or penalty and money and moneylenders. The judgment was delivered by Ang Cheng Hock.

Who were the parties in Zhang Jinxia & Anor v Zhu Yuhua?

The appellant in [2026] SGHC(A) 3 was Wang Quancheng, Zhang Jinxia, and the respondent was Zhu Yuhua. Legal representation included Invictus Law Corporation and De Souza Lim & Goh LLP. The case was decided on 26 January 2026 in the High Court (Appellate Division).

Which judge decided [2026] SGHC(A) 3?

[2026] SGHC(A) 3 was delivered by Ang Cheng Hock in the High Court (Appellate Division) on 26 January 2026. Debbie Ong Siew Ling and Woo Bih Li also sat on the coram. The case concerned Credit and Security and Damages.

What cases and statutes does [2026] SGHC(A) 3 cite?

[2026] SGHC(A) 3 cites 5 prior decisions, including 1 from foreign jurisdictions.

Cases Cited (5)

SLR (4)
[2010] 2 SLR 386 [2016] 3 SLR 663 [2021] 1 SLR 631 [2023] 1 SLR 922
UK (1)
[1915] AC 79

Judgment

Read the full judgment on the official Singapore Courts portal.

Read on eLitigation

Source: eLitigation ([2026] SGHC(A) 3)