Hang Seng e-Mortgage

Terms and conditions of promotional offers:

Fixed Rate Mortgage Plan:
The minimum loan amount is HKD1,000,000, and the maximum repayment period is 30 years, on a first-come-first-serve basis. This plan is only applicable to customers making drawdown on the loan on or before 30 June 2016, and is subject to terms and conditions. For details of the plan, please contact our Hang Seng Bank Limited ("Hang Seng") staff.

The promotion period of the below promotional offers is from now to 30 June 2016 ("the Promotion Period").

HKD500 Supermarket Coupon Successful Approval Reward:

•	This promotional offer is only applicable to (1) selected customers invited by this e-mail or (2) persons referred to Hang Seng by such selected customers (“Eligible Customers”).
•	Eligible Customers must meet the following requirements to receive the HKD500 Supermarket Coupons: (i) successfully submit a refinance application within the Promotion Period, (ii) the mortgage loan amount is HKD1,500,000 or above and (iii) submit all required document proofs for the mortgage application on or before 31 July 2016.
•	The Supermarket Coupons redemption letter will be mailed to the correspondence address of “Applicant 1” on the mortgage loan application form (“Mortgage Applicant 1”) within 10 weeks after issuance of Letter of Offer for the mortgage application (regardless of the customer accepting mortgage loan terms or not).

Up to 1% cash rebate of mortgage loan amount:
The cash rebate amount will be determined based on the customer’s financial standing, debt-repayment capability and mortgage loan amount. All cash rebate will be deposited into the customer’s designated mortgage repayment account after the customer has made drawdown. For details of the cash rebate, please contact our Hang Seng staff.

Online and Mobile Application Cash Dollars Reward:

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Terms and Conditions of HKD500 Cash Dollars Reward:

a.	HKD500 Cash Dollars Reward is only applicable to Mortgage Applicant 1 of Hang Seng "Mortgage Insurance Programme" loan application.
b.	The offer is applicable to mortgages for private residents, but not applicable to mortgages for the Home Ownership Scheme, Tenant Purchase Scheme, commercial properties, industrial properties or standalone car parking spaces.

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Terms and Conditions of HKD200 Cash Dollars Reward:

a.	HKD200 Cash Dollars Reward is only applicable to Mortgage Applicant 1 of Conventional Mortgage Loan Application.
b.	The offer is not applicable to mortgages for village houses, commercial properties, industrial properties or standalone car parking spaces.

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Other Terms and Conditions of Cash Dollars:

The above Cash Dollars Rewards are only applicable to customer who fulfills the following requirements during the Promotion Period:

I.	Make an appointment with mortgage consultant online or through mobile, successfully apply for a Hang Seng mortgage loan AND
II.	Submit all required document proofs for mortgage application by 31 Aug 2016.

Customer can be entitled to the reward upon the mortgage loan approval, regardless of accepting the loan offers or not.

The offer is not applicable to the "Home-For-Home" Bridging Loan Plan or “Pre-approval Service”

The approved loan amount for the mortgage loan or further charge must be HKD1,000,000 or above. Further charge loan amount is the loan amount in addition to the existing mortgage loan amount.

Hang Seng Credit Card Cash Dollars (“Cash Dollars”) will be credited to the Hang Seng Credit Card account of Mortgage Applicant 1.

Hang Seng will credit Cash Dollars to the Hang Seng Credit Card account of Mortgage Applicant 1 with the highest Cash Dollars balance at the time on the following specified schedule after the expected property purchase completion date or expected mortgage drawdown date.

Expected property purchase completion date or expected mortgage drawdown date	Cash Dollars disbursement date
1 Apr to 30 Jun 2016	On or before 31 Jul 2016
1 Jul to 31 Aug 2016	On or before 30 Sep 2016
1 Sep to 31 Oct 2016	On or before 30 Nov 2016
1 Nov to 31 Dec 2016	On or before 31 Jan 2017

If Mortgage Applicant 1 has one or more than one Hang Seng Credit Card accounts with an outstanding Advance Cash Dollars balance, the Cash Dollars will be credited into such Credit Card account with the highest outstanding Advance Cash Dollars balance at the time. Upon the crediting of the Cash Dollars, the relevant Credit Card account must still be valid and with a good credit record. The above Cash Dollars offer is not applicable to Hang Seng Supplementary Card, Business Card, Commercial Card, USD Visa Gold Card, UnionPay RMB Diamond Commercial Card, Renminbi Credit Card, JAL Card, Spending Card, e-shopping MasterCard, or Private Label Card. The Cash Dollars cannot be transferred or converted into cash. The use of Cash Dollars is subject to the terms and conditions of the Hang Seng Credit Card Membership Rewards Programme. For details, please call the 24-hour Hang Seng Credit Card Marketing Enquiry Hotline at 29986899.

If Mortgage Applicant 1 does not hold any applicable Hang Seng Card Principal Card at the time of crediting the Cash Dollars, the offer will be replaced with other gift vouchers of equivalent value.

The Gift Voucher redemption letter will be mailed to Mortgage Applicant 1’s correspondence address on the following specified schedule after the expected property purchase completion date or expected mortgage drawdown date.

Expected property purchase completion date or expected mortgage drawdown date	Gift Voucher redemption letter mail out date
1 Apr to 30 Jun 2016	On or before 31 Jul 2016
1 Jul to 31 Aug 2016	On or before 30 Sep 2016
1 Sep to 31 Oct 2016	On or before 30 Nov 2016
1 Nov to 31 Dec 2016	On or before 31 Jan 2017

Regarding the Gift Voucher, Hang Seng reserves the right to replace the offers with another gift of equivalent value.

Referral Offer:

•	Referrer must be a selected customer invited by this e-mail and with a valid Hang Seng HKD Savings Account (“Referrer”).
•	The referee must meet the following requirements for the Referrer to receive the Referral Offer equivalent to 0.1% of mortgage loan drawdown amount (minimum HKD2,000 and maximum HKD10,000): (i) submit the completed and signed Member Get Member Referral Form for Mortgage upon mortgage application submission within the Promotion Period; (ii) successfully make drawdown on the mortgage loan on or before 31 August 2016 and (iii) the mortgage loan drawdown amount is HKD1,500,000 or above. For details, please contact our Hang Seng staff
•	The referee must not be an existing mortgage loan borrower or mortgagor or guarantor of Hang Seng.

Disclaimer on HKD500 Supermarket Coupon Successful Approval Reward and Online and Mobile Application Cash Dollars Reward Supermarket Coupon/Gift Voucher:

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Hang Seng is not the supplier of the Supermarket Coupon/Gift Voucher and will not assume any liability in relation to the Supermarket Coupon/Gift Voucher. The supplier of the Supermarket Coupon/Gift Voucher shall be solely responsible for all issues related to the quality and availability of the relevant products and services. Any disputes arising from the Supermarket Coupon/Gift Voucher shall be resolved between the customers and the relevant suppliers. For details of how to use the Supermarket Coupon/Gift Voucher, please refer to the relevant terms and conditions. Offers cannot be redeemed for cash or exchanged for other gifts.

General terms and conditions of the above offers:
•	The abovementioned promotional offers are not applicable to customers who apply via property agent referrals.
•	Unless otherwise stated, each mortgage application is only entitled to each of the abovementioned promotional offers once. The offers cannot be used in conjunction with other mortgage offers of Hang Seng.
•	The mortgage application of refinance will be handled by solicitors, and the relevant fees incurred (including solicitor’s fees, stamp duty, copying charges (if applicable) and any fees incurred upon refinance with the current bank of which the mortgage is retained at, such as early repayment charge (if applicable)) shall be borne by the customer. Mortgage loan terms and mortgage loan amount will be determined by Hang Seng’s final approval results.
•	No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.
•	These terms and conditions are subject to prevailing regulatory requirements.
•	These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.
•	Hang Seng reserves the right to suspend, revise or terminate the above offer and amend the above terms and conditions at any time. In case of any disputes, the decision of Hang Seng shall be final. For details of the offer, please contact our Hang Seng staff.
•	In case of any discrepancy between the English and Chinese versions of these terms and conditions, the English version shall prevail.