| Remarks: |
(1) |
For a loan amount of HKD1,500,000 or above, the Annualised Percentage Rate of 1.85% is calculated based on a monthly flat rate of 0.08% and a 24-month repayment period, including 0% handling fee. |
(2) |
For the cash rebate offers and other terms and conditions, please refer to the terms and conditions below for details. |
(3) |
Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis. |
(4) |
The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases. |
(5) |
Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period. |
(6) |
Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form. |
(7) |
Minimum loan amount is HKD5,000. |
(8) |
The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved. |
(9) |
Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline  . |
(10) |
For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking > Loans > Personal Instalment Loan > FAQ). |
(11) |
The final approved loan proceeds will be credited into your designated Hang Seng Bank account set out in the application form if the final approved loan amount, repayment period and interest rate are the same as your application. You will be notified through SMS on the same day of loan disbursement. Please refer to the drawdown letter setting out the loan details. Hang Seng will contact you if the final approval result is different from your application. |
if you have any enquiries.