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  1. 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.

  2. 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 ...

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  4. IVA. DRP. Pros. Compared to bankruptcy: Less impact on personal reputation. Lower interest rate, thus reducing debt burden. Applicants can keep bank accounts. Applicants can keep their management jobs, existing properties and insurance plans, etc. No need to go through legal procedures, thus saving time and money.

    • 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...

    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.

    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...

    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...