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    • High placement fees charged by employment agencies

      • Understanding Why Domestic Helpers Borrow Money Many domestic helpers, especially foreign domestic helpers in Hong Kong, find themselves in need of financial assistance due to the high placement fees charged by employment agencies. They often turn to money lenders, both licensed and unlicensed, to cover these expenses.
      www.sunlight.hk/en/tips/p/id/514.html

      What to do if your domestic helper asks for a loan? - Sunlight

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    If they have an existing loan with a money lender or if they’re not eligible to borrow for some reason, some domestic workers might turn to unlicensed money lenders or individuals to borrow money. In these instances, they can often be charged extremely high monthly interest rates (e.g. 20% per month) and might even be asked to provide their ...

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    • I'm a New Worker in Hong Kong

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  4. www.sunlight.hk › en › tipsWhat to do if your domestic helper asks for a loan? - Sunlight

    When domestic workers borrow money, they might face extremely high-interest rates, particularly from unlicensed money lenders or loan sharks. They might end up in a debt cycle where they're constantly borrowing loans to repay existing ones.

  5. www.sassymamahk.com › family-domestic-helper-loan-adviceDomestic Helper Advice: What To Do When Your Helper Asks For ...

    • Does She Need to Pay Recruitment Fees?
    • Did She Borrow Money from A Loan Shark?
    • Is The Loan Shark Harassing You?
    • Does She Need Money For Family Emergency Back at Home?
    • Does She Just Want Extra Money For Personal Reasons Or For Leisure?
    • What You Should Not Do

    By law, employment agencies in Hong Kong are only allowed to charge foreign domestic helpers no more than 10% of their first month wage as placement fees. However, some agencies charge the domestic helpers, especially overseas helpers or pre-terminated helpers, illegal fees directly,and many employers have a limited knowledge of such practices beca...

    在「sassymamahk.com」查看更多資訊

    First, check with your domestic helper if she still has her passport. If not, then she should take legal action to get her passport back so that her identity doesn’t get stolen. Do not hesitate to call the police (999). Encourage her to address the issue and sit down with her to come up with an action plan.How much does she owe them? How should she...

    在「sassymamahk.com」查看更多資訊

    Sometimes a helper will agree to be a guarantor for a friend who is borrowing money. If the friend runs away with the money, your helper has to shoulder all her friend’s debts. The interest of these debts borrowed from loan sharks can be as high as 60% per year! If this happens, you might receive a lot of calls and letters to your house, usually th...

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    If the helper’s family suddenly needs a large amount of money because a relative is in critical medical condition, sometimes the helper has no choice but to take a loan from loan sharks, especially if she does not want to ask you. Sometimes families ask the domestic worker for money she cannot affordwithout any legitimate reason, and she doesn’t kn...

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    Another reason would be for alifestyle she cannot afford on her salary.If the helper is borrowing money to buy new clothes or handbags, which is, in fact, spending her future income, you may want to help her budget better. How to help her with a budget: There are a few things you can do to help your helper budget her money better. Help her open a b...

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    Keep her passport and/or other identity documents Your helper usually needs to use a copy of her passport and/or HKID and the employment contract to be able to borrow or be a guarantor. Some employers keep their helpers’ passports to avoid them from borrowing loans, but it is illegal, and your helper should be able to keep her passport at all times...

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  6. wellplanned.hk › en › familyManaging Domestic Helpers' Money Borrowing: Tips for ...

    2024年3月25日 · The reasons why domestic workers in Hong Kong borrow money typically include: Family responsibilities: Many domestic workers bear the burden of supporting their families, including paying for their children’s education, parents’ medical expenses, and even supporting their entire families back in their home country.

  7. enrichhk.org › sites › defaultTHE “MONEY” TALK 10 TIPS - enrichhk.org

    Why are helpers often in debt? Domestic helpers can face nancial di culties for many reasons, but the debt cycle starts with recruitment. Quick pro le. THERE. ARE. 370,000. migrant domestic helpers in Hong Kong (as at January 2018), mostly from the Philippines and Indonesia. Most helpers are sole breadwinners. 1 Internal Enrich Survey.

  8. enrichhk.org › why-are-so-many-domestic-workers-debtWhy are so many domestic workers in debt? | Enrich

    According to our research, 83% of Hong Kong’s migrant domestic workers are in debt. Often, the debt cycle starts with recruitment. For newcomers, upon arrival in Hong Kong they may already be in debt due to very high fees charged during the recruitment process (training, placement fees, etc.).

  9. www.ifec.org.hk › domestic-helpers-finance-managementGuiding our domestic helpers to manage their finances wisely

    2019年4月10日 · A helper who is poor at money management and constantly facing financial issues will likely perform poorly at work. If she is tricked into borrowing money from a loan shark or becomes a guarantor for a friend who is borrowing money, she could fall into debt, and