Get the Best Hang Seng Bank Personal Installment Loans with Low Interest Rates in HK
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Hang Seng Bank Personal Loan
| Hang Seng Bank Personal Loan Products | Features | APR |
|---|---|---|
| Hang Seng Bank Personal Loan ProductsDebt Consolidation Instalment Loan | Features Save more than 89% of interest expenses | APRAs low as 2.91% |
| Hang Seng Bank Personal Loan ProductsHandy Cash Personal Instalment Loan | Features Payroll customers exempt from submitting documents | APRAs low as 2.68% |
Hang Seng Handy Cash Personal Instalment Loan Features
If you are in need of cash, Hang Seng Handy Cash Personal Instalment Loan can come in handy with a low monthly flat rate. MoneySmart has analysed its features for you:
Monthly flat rate as low as 0.12%
Enjoy a monthly flat rate as low as 0.12% (APR as low as 2.68%) and HK$0 handling fee.
Enjoy HK$1,000 Cash Rebate
Enjoy up to HK$1,000 cash rebate for successful online or mobile applications.
No Documents Required
Hang Seng Payroll Customers are exempted from submitting any documents when applying for Hang Seng Handy Cash Personal Instalment Loan. What’s more, customers can enjoy up to HK$500 cash rebate for successful applications.
High Loan Amount
Enjoy a loan amount up to HK$3,000,000 or 15X of monthly salary (whichever is lower) and an extended repayment period up to 60 months.
Enjoy Top-Up Loan
During repayment period, customers can apply for a top-up loan on the repaid principal amount without the need to resubmit any documents.
Hang Seng Debt Consolidation Instalment Loan Features
With Hang Seng Debt Consolidation Instalment Loan, you can transfer all your outstanding credit card debts and loan balances to one single loan account to save more than 89% of interest expenses. MoneySmart has put together a table to summarise its major features:
Personalised interest rate
Enjoy a personalised interest rate to save more than 89% of interest expenses on your outstanding credit card debts and loan balances.
Enjoy HK$500 Cash Rebate
From now until 24 December 2020, customers can enjoy up to HK$500 Cash Rebate for successful mobile or online applications for Hang Seng Debt Consolidation Instalment Loan.
Easy to Apply
Application is easy! Applicants are only required to submit the latest month's proof of income.
High Loan Amount
Hang Seng offers a loan amount up to 21X of your monthly salary to be repaid in a maximum of 72 months.
Enjoy Extra Cash
Enjoy extra cash up to 8X of your monthly salary in addition to clearing off your outstanding credit card debts and loan balances.
How to Apply for Hang Seng Personal Loan?
Hang Seng Personal Loan Required Documents
- HKID card
- Proof of Income:
- Regular income earners: bank account monthly statement/ passbook showing latest one month's salary proof (payroll customers exempted) I
- rregular income earners: bank account monthly statement/ passbook showing latest two month's salary proof
- Current proof of address, e.g. utility bills, bank statement
- Additional documents or certificates where appropriate
Hang Seng Bank Personal Loan FAQ
How long does it take for loan approval and cash disbursement for Hang Seng loan application?
- Generally speaking, applicants can enjoy same-day approval and cash disbursement if all required documents are submitted by the designated time.
Do I need a Hang Seng Bank Account to borrow loans from Hang Seng?
- Yes. Upon successful application, if the customer does not have a Hang Seng bank account, he/she will be required to open one for loan disbursement and repayment purposes. This can be done in any Hang Seng Bank branch.
What costs are involved in borrowing Hang Seng Personal Loan?
- Although most of the Hang Seng Personal Loan products offer handling fee waiver, there are other costs associated with loan application including unauthorised overdraft penalty, special administration fee, overdue handling fee and interest and early repayment fee.
Can I save interest expenses by making early repayment ?
- Generally speaking, if you make loan repayment earlier, you can save more on outstanding interest payments. Nevertheless, borrowers should also take the early repayment charges into consideration when deciding whether or not to pay off their loans early. You can check with Hang Seng first about the total amount involved in early repayment and the amount of outstanding interest before you decide to make early repayment.
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