 Loans
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| Tax Loan | |
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| Asset Link Secured Overdraft | |
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| Unsecured Overdraft Facility | |
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| Personal Instalment Loan | |
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| Interest-free Instalment Plan | |
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| Credit Counseling Loan | |
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| Personal Revolving Loan | |
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| Top-up Loan | |
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| Vehicle Loan | |
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| Loan Process | |
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| FAQ | |
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| Glossary | |
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| Download Application Forms | |
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Apply for Top-up Loan to enjoy:
Exclusively for existing personal instalment
loan customers(1).
Top-up loan amount of up to the total loan
principal repaid.
As low as prevailing interest rate(2)/
monthly handling fee(2) on your existing loan account.
Same loan tenor as your existing loan account.
Option to select a longer repayment period (up to 48 months) also
available.
Low redraw handling charge of 1% p.a. on
the approved top-up loan amount, and which will be deducted from such
amount.
Apply online to enjoy our
Instant Approval and Disbursement(3). You will get
the chance to enjoy the 10% Loan Amount
Rebate Offer upon successful application! Please click
here for details, terms and conditions.
Loan Selector
(1)
Customers are eligible to 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.
(2)
Interest rate is only applicable to Hang
Seng Handy Cash Personal Instalment Loan; Monthly handling fee is
only applicable to Hang Seng "Self-fulfilment" Interest-free Loan
and Hang Seng "Self-fulfilment" Interest-free Instalment Plan. For
a monthly flat interest rate / monthly handling fee (based on the
loan amount) of 0.25%, the annualised percentage rates calculated
over a 12-month and 24-month loan tenor are 7.63% and 7.92% respectively;
For a monthly flat interest rate / monthly handling fee (based on
the loan amount) of 0.65%, the annualised percentage rates calculated
over a 12-month and 24-month loan tenor are 17.25% and 17.68% respectively;
For a monthly flat interest rate / monthly handling fee (based on
the loan amount) of 0.75%, the annualised percentage rates calculated
over a 12-month and 24-month loan tenor are 19.74% and 20.16% respectively.
The above annualised percentage rates are calculated using Net Present
Value Method in accordance with the Code of Banking Practices and
inclusive of a redraw handling charge calculated at 1% p.a. of the
approved Top-up loan amount. The above monthly flat interest rates
/ monthly handling fee are for reference only, and will be subject
to the loan amount. If your application cannot meet our loan approval
requirements, your application will still be processed but interest
rate / monthly handling fee offered may be adjusted. For details,
please contact our bank staff. Customer will be notified of the relevant
adjusted interest rate / monthly handling fee upon loan approval.
If customer agrees to accept such loan, Hang Seng will credit the
loan amount to the designated Hang Seng account according to normal
procedures.
(3)
Instant approval and disbursement is only
applicable to Hang Seng Personal e-Banking Customers. The approval
of the loan is subject to circumstances of individual cases and Hang
Seng's final decision.
Remarks:
-
Application for the Top-up Loan is subject
to Hang Seng's approval at its sole discretion. Hang Seng also has
full discretion in determining the approved loan amount, repayment
period, interest rate(2) / monthly handling fee(2),
redraw handling charge and other payment in relation to the Top-up
Loan without providing reason therefor. The redraw handling charge
will be 1% p.a. on the approved Top-up loan amount and will be deducted
from such amount.
-
Applicant must be in full time employment.
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