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1. www.promise.com.hk › en › faqFAQ | Promise HK

   www.promise.com.hk › en › faq

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   Technical Support. Browse all the FAQs to find out about the loan application and approval process, handling fees, settlement, revolving loan, and repayment.

2. www.promise.com.hk › en › lenders-ordinanceProvisions of The Money Lenders Ordinance | Promise HK

   www.promise.com.hk › en › lenders-ordinance

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   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.

3. www.promise.com.hk › en › faqApplication Method | FAQ | Promise HK

   www.promise.com.hk › en › faq

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   It is our pleasure to assist you! If you have further questions, or you cannot find the answers here, please contact our customer service representative at 3199 1199 or click here to contact us. Any doubt towards the loan application? Promise can help! Get a Personal Loan in only three steps. Apply online and get approved instantly. Learn more now!

4. 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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5. www.promise.com.hk › en › knowledge-on-personal-loanRepaying the Minimum on Credit Cards Only | Promise HK

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

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   The minimum and maximum repayment period is 3 months and 84 months respectively. According to the Money Lenders Ordinance, the maximum annual percentage rate is 48%. All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant:

6. www.promise.com.hk › en › faqFAQ - Interest and Handling Fee - Promise

   www.promise.com.hk › en › faq

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   How does Promise calculate interest? What is daily interest? How can I reduce my expenditure on interest? Will I be charged any handling fees for a loan application? Do you have queries about loan application? Apply For a Loan. Eligibility Criteria and Document Requirements. Loan Approval and Fund Transfer. Revolving Loan. Repayment.

7. www.promise.com.hk › en › knowledge-on-personal-loanBe Aware of when Choosing a Money Lender | Promise HK

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

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   The common tricks of unscrupulous financial intermediaries. Unscrupulous financial intermediaries collect personal data from illegal means and phone scam their targets. Here are a few common tricks they use: Claim they can help to apply for loans with a low interest rate and low criterion, with the promise of "no charge without result".