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| FAQ | |
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| Glossary | |
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Tax
Comforter:
Successfully apply for and draw down
Hang Seng Tax Comforter on or before 28 February 2010, you will be
automatically entered into a lucky draw to win cash
rewards of up to HKD330,000 in total(1). The
earlier you apply, the more chances to win!
0% interest rate throughout the entire loan tenor with handling fee of as low as HKD0.73 per day(2).
High loan amount of up to three times
of your tax bill amount(3).
Cash directly credited to your designated
Hang Seng Bank account(4).
No income proof is required if you have an auto-payroll relationship with us(5).
Successfully apply online to stand a
chance of enjoying 10% Loan Amount Rebate Offer(6).
| Monthly Repayment Table |
Loan
amount(7) (HKD) |
Monthly Handling Fee
(Based on every HKD10,000 loan amount) |
Monthly
Repayment Amount (APR) (Based on every HKD10,000 loan amount) |
||||||
6
Months |
9
Months |
12
Months |
18
Months |
|||||
HKD5,000 -
HKD99,999 |
HKD45 |
HKD1,711.70
(9.60%) |
HKD1,156.20
(10.05%) |
HKD878.40
(10.28%) |
HKD600.60
(10.47%) |
|||
HKD100,000 -
HKD299,999 |
HKD33 |
HKD1,699.70
(6.97%) |
HKD1,144.20
(7.31%) |
HKD866.40
(7.48%) |
HKD588.60
(7.63%) |
|||
HKD300,000 or
above |
HKD25 |
HKD1,691.70
(5.25%) |
HKD1,136.20
(5.50%) |
HKD858.40
(5.63%) |
HKD580.60
(5.76%) |
|||
| Monthly Repayment Table of Exclusive Handling Fee Offer for Prestige Banking Customers |
Loan amount(8) (HKD) |
Monthly Handling Fee (Based on every HKD10,000 loan amount) |
Monthly
Repayment Amount (APR) (Based on every HKD10,000 loan amount) |
||||||
6 Months |
9 Months |
12 Months |
18 Months |
|||||
Any loan amount* |
HKD22 |
HKD1,688.70
(4.61%) |
HKD1,133.20
(4.83%) |
HKD855.40
(4.95%) |
HKD577.60
(5.06%) |
|||
| *The minimum loan amount must be HKD5,000. | ||||||||
The above monthly repayment tables are only applicable upon successful application for and drawdown of Tax Comforter on or before 31 December 2009. Please call 2812 8000 for details of the monthly repayment amount thereafter.
If customer's Tax Comforter application
fails to meet our approval requirements, Hang Seng Bank Limit (“
Hang Seng”) may approve a loan to individual customers on a
case-by-case basis but the handling fee offered may be adjusted. For
details, please contact Hang Seng staff. Customer will be notified
of the relevant adjusted handling fee upon loan approval. If customer
agrees to accept such loan, Hang Seng will credit the loan amount
to the designated Hang Seng Bank account according to normal procedures.
Loan Selector
(1)
From 24 October 2009 to 28 February 2010 (both dates inclusive), customers who successfully apply for and draw down Hang Seng Tax Comforter will be automatically entered into the lucky draw which will be held on 31 March 2010. The lucky draw will be conducted in four rounds on the same day and each draw will be in the form of a random draw via a computer system. To be eligible for each specific round, customers are required to draw down the loan within the respective specific periods as follows: the first round is from 24 October 2009 to 30 November 2009; the second round is from 1 December 2009 to 31 December 2009; the third round is from 1 January 2010 to 31 January 2010; and the fourth round is from 1 February 2010 to 28 February 2010. A winner will be drawn in each round for a cash reward of HKD82,500 or the total drawdown amount of the loan, whichever is lower. Each eligible customer will be entered into the subsequent round(s) of the lucky draw regardless of whether he/she has won a cash reward in previous round(s). Each eligible customer will be entitled to a maximum of four entries to win the cash rewards of up to HKD330,000 in total, or the total drawdown amount of the loan, whichever is lower. The cash reward(s) will be rebated to the customers’ loan repayment account(s) by 30 April 2009. Each winner will be notified of the reward details by Hang Seng Bank Limited (“Hang Seng”) by mail. To enjoy the cash reward(s), customers must have no record of default or early settlement of the loan prior to the crediting of such reward(s). If a customer settles the loan ahead of schedule after the crediting of the cash reward(s), he/she shall return the cash reward(s) in full to Hang Seng upon settlement. Hang Seng reserves the right to withhold the cash reward(s) pending the results of credit review. This lucky draw is not applicable to the staff of Hang Seng and its subsidiary companies.
(2)
Based on every loan amount of HKD10,000,
the monthly handling fee is 0.22% of the principal and is calculated
on a 30-day month basis. The annualised percentage rate (APR) is 4.95%.
The APR is calculated using the Net Present Value Method in accordance
with the Code of Banking Practice and based on a 12-month repayment
period. The above monthly handling fee is applicable upon successful
application for and drawdown of the loan on or before 31 December 2009
only. For details of the monthly handling fee thereafter, please call
2812 8000.
(3)
The minimum monthly income of the applicant
must be HKD8,000 or above. The final approved loan
amount is subject to change in accordance with the
circumstances of individual cases.
(4)
If you choose to have Hang Seng pay the tax loan amount directly to the Inland Revenue Department, please call 2812 8000 for further arrangement.
(5)
Hang Seng reserves the right to request additional income proof from individual applicants on a case-by-case basis.
(6)
For the related terms and conditions for this
online loan application promotion, please click
here.
(7)
The monthly handling fee for a loan amount
of HKD300,000 or above is 0.25% of the principal. The monthly handling
fee for a loan amount of HKD100,000-HKD299,999 is 0.33% of the principal.
The monthly handling fee for a loan amount below HKD100,000 is 0.45%
of the principal. Please refer to the relevant monthly repayment table
for the APRs. The APRs are calculated using the Net Present Value Method
in accordance with the Code of Banking Practices. The said monthly handling
fee together with the monthly repayment amount will be debited from
the repayment account on the due date every month. The above monthly
handling fee is applicable upon successful application for and drawdown
of the loan on or before 31 December 2009 only. For details of the monthly
handling fee thereafter, please call 2812 8000.
(8)
The monthly handling fee for a loan amount
of HKD5,000 or above is 0.22% of the principal. Please refer to the
relevant monthly repayment table for the APRs. The APRs are calculated
using the Net Present Value Method in accordance with the Code of Banking
Practices. The said monthly handling fee together with the monthly repayment
amount will be debited from the repayment account on the due date every
month. The above monthly handling fee is applicable upon successful
application for and drawdown of the loan on or before 31 December 2009
only. For details of the monthly handling fee thereafter, please call
2812 8000.
Remarks:
Hang Seng reserves the right to terminate the above offers at any time or 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 offer, Hang Seng's records shall prevail and the decision of Hang Seng shall be final. For offer details, monthly handling fees, annualised percentage rates, terms and conditions, please contact Hang Seng’s staff or refer to the application form.
Hang Seng reserves the right to terminate the above offers at any time or 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 offer, Hang Seng's records shall prevail and the decision of Hang Seng shall be final. For offer details, monthly handling fees, annualised percentage rates, terms and conditions, please contact Hang Seng’s staff or refer to the application form.
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