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Credit Counseling Loan

Apply for Hang Seng Credit Counseling Loan to enjoy:

Extra-large loan amount of up to 15 times of your monthly salary(1)
Personalised interest rate to save more than 75% of interest expenses
Transfer all your outstanding credit card and loan balances to a single loan account for your easy management
Enjoy extra cash(1) on hand in addition to having your outstanding credit card and loan balances paid off
Flexible repayment period of six to 60 months with a fixed monthly repayment amount for better budget planning
Only the latest month's income proof(2) is required, people from all sectors are welcome to apply

Interest-saving example for reference
 
General high-interest loan and credit card*
Hang Seng Credit Counseling Loan#
 
Loan amount
HKD100,000
  
Repayment period (month)
353 (over 29 years)
48 (only 4 years)
Repayment period shortened by
over 25 years
Average monthly repayment for the first six months
HKD 3,860
HKD 2,843
Monthly repayment reduced by 26%
Total interest expense
HKD 184,039
HKD 36,464
Interest saved
more than 75%

* The above example is calculated based on an annual interest rate of 30% and a monthly repayment of 3.9% of the outstanding balance or HKD50 (whichever is higher).
# The above example is calculated based on a monthly flat rate of 0.65%. The annualised percentage rate is 17.42%, including the handling fee by way of a further loan equal to 1% per annum of the loan amount. The annualised percentage rate is calculated using the Net Present Value Method over a 48-month tenor in accordance with the Code of Banking Practice. The final approved interest rate is subject to the loan amount and the credit assessment result. The total interest expenses are inclusive of the handling fee.

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Call our 24-Hour Personal Loan Application Hotline on
2812 8000
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Hang Seng Credit Counseling Loan Calculator

Please provide the following information to calculate the Monthly Repayment Amount:
Loan Amount:
HKD

Interest Rate:
% (per month flat)
Repayment Period:
Months
% (p.a.)
 
Monthly Repayment Amount:
HKD


(1)
The final approved loan amount is subject to the circumstances of individual cases.
(2)
Hang Seng Bank Limited ("Hang Seng") reserves the right to request additional income proof from individual applicants on a case-by-case basis.

 
Remark:
Hang Seng reserves the right to terminate the offers at any time or to vary the same and the related terms and conditions from time to time. The approval of the loan is subject to Hang Seng's final decision. In case of any dispute arising from the above loan and offers, Hang Seng's record shall prevail and the decision of Hang Seng shall be final. For details of the loan and offers, interest rates, annualised percentage rates, and related terms and conditions, please contact Hang Seng staff.
 
 
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