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Taking Bank A as an example, early repayment may cost you a handling fee for the remaining instalments of the instalment plan (up to a handling fee of 10 months) and an administration fee of $300. Credit Card Repayment Myths 2 Can you save money by You ...
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In case of clearing your loan in advance, Promise will only calculate the interest until the last day that the loan is being used with no penalty or handling fee. Thus, you can adjust your repayment flexibly in order to reduce your expenditure on interest.
The provisions of the Money Lenders Ordinance (Cap.163 of Laws of Hong Kong) (the "Ordinance") summarised below are important for the protection of all the parties to a loan agreement, and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.
The above monthly repayment amount calculation is based on the assumption of annual interest rate of 4.40% - 25.60%. The repayment amount and repayment period shown on the Personal Loan & Interest Calculator are for reference only. The approval of loan is subject to the final and absolute discretion of Promise (Hong Kong) Co., Limited.
Use Promise's loan calculator to calculate the repayment amount and repayment period of a personal loan for your reference, and see the cost of your loan clearly at a glance. Borrowing money is just that secure, without any hesitation!
If you would like to improve your Personal Credit Rating, please take note of below Five Key Points: Pay your bills on time. Do not apply too many credit cards/personal loans in a short period of time. Build up a positive credit Record. Do not rely on one credit card only. Regularly review personal spending habits.
