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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 ...
Promise (Hong Kong) Co., Ltd is a 100% wholly owned overseas subsidiary of SMBC Consumer Finance (hereinafter "SMBCCF"), one of the leading consumer finance institutions in Japan. Established as a licensed money lender in Hong Kong in 1992, Promise (Hong Kong) Co., Ltd inherits the experience of SMBCCF in credit management, operation management ...
- 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...
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...
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...
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...
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...
Browse all the FAQs to find out about the loan application and approval process, handling fees, settlement, revolving loan, and repayment. Overview of Loan Product Information: 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: Loan Amount: HK$200,000. Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%)
Promise provides 24-hour quick and easy online loan services, allowing you to complete loan procedures anytime and anywhere. From application, to contract signing and fund transfer, the entire loan process can be completed on Promise's 24/7 online lending platform. You can even borrow money online late at night, or on weekends to solve your ...
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.
