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  1. www.promise.com.hk › knowledge-on-personal-loan › wedding-spending結婚費用大公開！結婚禮金考慮因素｜過大禮禮金意頭有何説法？｜ ...

    究竟結婚費用大概多少？ 結婚封禮金時有何考慮因素？ 過大禮禮金又是不是越多越好？ 以下即將為各位解惑，幫你籌備一個只有驚喜、沒有驚嚇的難忘婚禮！ 結婚費用開支大公開. 根據「 2023年結婚消費調查 」的結果，由婚戒、禮金、禮服到婚宴，結婚費用平均達到41萬！ 於眾多結婚費用項目中，婚宴酒席所佔的金額是最高的，同時亦是歷年升幅最大的一項。 因此，面對龐大的結婚費用開支，新人們真的要事前作好規劃及預算。 以下將概括列出一般婚禮中的細項支出，供準新人們參考。 講心定講金？ 結婚禮金金額迷思. 一、結婚禮金的意義. 傳統意義上，結婚禮金是為了答謝女家父母的養育之恩和補償女家損失而設的。 時至今天，結婚禮金的多寡則被視為準新郎對婚姻的態度和價值觀等象徵意義。 二、商討結婚禮金金額.

  2. www.promise.com.hk › en › about-usInformation | Promise HK

    2023年12月1日 · About Promise. Since its establishment as a licensed money lender in Hong Kong from 1992, Promise continues to provide convenient financial services to its customers. We put our customers first, providing flexible and trustworthy personal loan solutions to help them relieve their cash flow needs anytime and anywhere.

  3. www.promise.com.hk › enLow-interest Online Personal Loan | myPROMISE | Promise HK

    Low Interest Rates. Assuming a loan amount of HK$200,000, with monthly flat rate of 0.2% (annual percentage rate of 4.49%) and a repayment period of 36 months with no handling fee, the monthly repayment amount will be HK$5,940. All examples and information of interest rate are for reference only, and final approval is subject to actual ...

  4. www.promise.com.hk › en › knowledge-on-personal-loan5 Factors to Consider when Borrowing | Promise HK

    • Repayment Period
    • Interest Rate
    • Fee
    • Application Documents
    • Reward Program

    The length of your repayment period will affect your monthly payment. A longer repayment period means a lower monthly repayment amount, with less repayment pressure. However, it also means a higher total interest. Therefore, when applying for a loan you should evaluate your financial status and repayment ability in order to choose a suitable repaym...

    在「promise.com.hk」查看更多資訊

    When borrowing money, it's better to choose a loan product with lower interest rate because a higher interest rate will increase the total cost of a loan. Before borrowing money, you should learn about different methods of interest calculation such as monthly flat-rate, day rate, etc. When you compare different loan products, you should also take t...

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    Some financial institutions charge handling fees and administration fees when granting loans. When comparing loan products, you need to check if there are any hidden costs or interests which will eventually increase your loan cost. Promise has no hidden costs or handling fees attached to their product, so our clients will receive their loan in full...

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    It is common that loan application requires documents including HKID card, proof of address, proof of income, etc. Some people may not be able to provide the required documents, which results in being rejected for a loan. Certain financial institutions have launched solutions that require no supporting documents to simplify the approval process and...

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    To attract customers, financial institutions often offer promotions or rewards, mostly in the form of cash rewards, supermarket coupons, etc., which are typically on a "borrow more, earn more" basis. At Promise, we offer different promotions to both new customers and existing members. Customers who apply and withdraw loans successfully can enjoy re...

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

    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.

  6. www.promise.com.hk › en › knowledge-on-personal-loanPersonal Loan Interest Calculation | Promise HK

    Monthly average interest = Loan amount x Monthly flat rate. $100,000 x 0.5% = $500. Total interest repayment = Monthly average interest x Repayment period. $500 x 12 = $6,000. However, the loan interest rate is not merely calculated by simply multiplying the monthly flat rate by 12 months (0.5% x 12). So, even if the monthly flat rate seems to ...

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

    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!