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1. www.promise.com.hk › en › productLoan Products | For Different Needs | Promise HK

   www.promise.com.hk › en › product

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   Promise offers a variety of loan products for different financial issues. You can apply online without showing up. Learn more and find the optimum plan now. Overview of Loan Product Information: The minimum and maximum repayment period is 3 months and 84

2. www.promise.com.hk › en › csrSustainability | Promise HK

   www.promise.com.hk › en › csr

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   Promise has been dedicated our professional service to helping Hong Kong people with their financial needs since 1992. Aside from our daily business, we also actively work with other communities in Hong Kong through various activities planning to achieve sustainability under ESG framework. We are dedicated to promoting environmental protection ...

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

   www.promise.com.hk › en › about-us

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   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.

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-loanPersonal Loan Interest Calculation | Promise HK

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

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   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 ...

6. www.promise.com.hk › en › knowledge-on-personal-loan300 to 400 sq. ft. Public Housing Decoration Budgeting | ...

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

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   The above decoration cost for 300 to 400 sq. ft. units includes basic decoration items, such as floor tiles for the living room and bedrooms, window sills, repainting of walls and ceilings, etc. Understanding the Quotation As a savvy resident, it is advisable to You ...

7. www.promise.com.hk › en › knowledge-on-personal-loanKnowledge on Loans | Personal Loans | Promise HK

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

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   Knowledge on Personal Loan. When you need personal loans to achieve your financial goals or meet your immediate cash needs, you actually need to know more about loans in order to make responsible financial decisions. Promise provides you with different types of loan knowledge before making any loan applications!