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2024年9月26日 · When facing financial needs, some people opt for personal loans from banks or money lenders rather than asking family members for money. However, it’s crucial to understand the significant differences between borrowing from a bank and a money lender, as this knowledge is critical to making an informed decision.
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相關股票
- Secured Loans vs. Unsecured Loans
- Total Loan Cost
- Preparation of Required Documents
- Repayment Period and Interest Expenses
- Credit Score and Loan Interest Rate
Most of the products named “personal loans” are unsecured, meaning they don’t require collateral. However, it’s essential to understand the differences between secured and unsecured loans before borrowing. Secured loans use collateral, such as residential properties or deposits, as repayment security. If the borrower cannot repay the loan, the bank...
The loan cost refers to the additional expenses borrowers pay to obtain the loan, with interest being the primary cost. In addition to interest, borrowers may be charged various fees, such as handling, administrative, or early repayment fees. Considering the total loan cost, not just the interest rate, is essential when comparing loan options. In H...
When applying for a personal loan, there are three main methods: online, hotlines, and visiting branches. In recent years, many banks and financial institutions have launched online loan approval services, which allow applicants to fill out the necessary information online or on a mobile app, upload their identity documents, and complete the loan a...
The repayment period for personal loans in Hong Kong typically ranges from 12 to 60 months, with mortgage loans lasting up to 30 years. A more extended repayment period means a lower monthly repayment amount, allowing borrowers to get approved for larger loans. However, the repayment period affects the loan interest rate and total interest paid. Bo...
A key factor affecting a borrower’s loan application is their credit score. In Hong Kong, TransUnion is the only institution providing personal credit reports. Financial institutions will typically check a borrower’s credit report when they apply for services such as credit cards and personal loans. The credit score is divided into 10 levels, with ...
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2024年9月25日 · However, due to their low credit scores, those with poor credit history or past bankruptcies often find it challenging to secure personal loans. But there is hope. Financial institutions like CreFIT and Grantit offer a lifeline in the form of ‘non-TU loans.’.
