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1. www.promise.com.hk › en › productOnline Personal Loans | Instant Approval | Promise HK

   www.promise.com.hk › en › product

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   Flexibility is key in life. PROMISE's loans are applicable for university students as well, helping them get through times of hardship. Mr. Leung, 20 years old, Tertiary Student I have compared personal loan solutions which offer express approval from several loan providers, and applying via PROMISE's online platform is definitely the simplest and most convenient!

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     曼谷

   • 沖繩

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3. www.promise.com.hk › en › productEmergency Loans | Instant Approval Online | Promise HK

   www.promise.com.hk › en › product

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   I have compared personal loan solutions which offer express approval from several loan providers, and applying via PROMISE's online platform is definitely the simplest and most convenient! Ms. Wong, 37 years old, Office Worker Even if I was out of budget, all the application procedures for Emergency Loan, including approval and signing contract can be done online, enabling me to quickly get ...

4. www.promise.com.hk › en › productTertiary Student Loans | No Income Proof | Promise HK

   www.promise.com.hk › en › product

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   Tertiary Student Loan. Whether it is tuition, accommodation, daily study or living expenses, it is easy for students to lose track of their budgets and be in a real trouble. Promise can help! Our Tertiary Student Loan is specially designed for tertiary and university students in Hong Kong. You can easily take out loans at any time and deal with ...

5. www.promise.com.hk › en › knowledge-on-personal-loanIncrease the Chances of Loan Approval | Promise HK

   www.promise.com.hk › en › knowledge-on-personal-loan

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   • Maintain A Good Credit Rating
   • Borrow The Right Amount
   • Reduce The Monthly Repayment Amount
   • Guaranteed Repayment Ability

   The success rate of personal loan approval holds a positive correlation to your credit rating. The higher the rating, the more likely your application will be approved. Financial institutions will determine your ability to fulfill your repayment responsibility based on your credit record, thus, maintaining a good credit record is crucial to get app...

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   While applying for a loan, you should opt for a reasonable amount based on your actual financial needs and repayment ability, rather than just going for the maximum. Financial institutions will have looser requirements when dealing with lower loan amounts.

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   If the loan amount is large and you choose a shorter repayment period, monthly repayment amount would rise accordingly. The lender may worry your ability to repay such a large amount each month and bear a risk of not receiving the full repayment on time. Therefore, extending the repayment period to adjust for an affordable repayment amount may lowe...

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   When lenders approve loans, they need to bear the risk of losing money if the borrower cannot repay. If the borrower does not own any collaterals or certifications, their repayment ability can be questioned, lessening the chance of loan approval. However, providing sufficient supporting documents to prove your repayment ability can boost lender con...

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6. www.promise.com.hk › en › loan-calculatorLoan Calculator | Interest Calculation | Promise HK

   www.promise.com.hk › en › loan-calculator

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   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.

7. www.promise.com.hk › en › productShort-term Loans | Instant Approval | Promise HK

   www.promise.com.hk › en › product

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   I applied for Emergency Loan through the Promise's online platform. All I needed to do was filling in simple personal information and I could borrow HK$2,000 successfully. The entire application process was completed quickly online in just a few steps, with no supporting documents required. Moreover, the repayment amount and period for the ...

8. www.promise.com.hk › en › knowledge-on-personal-loanPrecautions for Small Start-up | Ways to raise funds | Promise

   www.promise.com.hk › en › knowledge-on-personal-loan

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   Once you have decided the industry of your business, the amount of budget can be estimated more easily. Given that your budget is limited, you may consider to explore various ways for acquiring funds, like joining start-up competition, looking for investors, applying personal or startup loans, in order to solve the funding problem.