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Promise low-interest debt consolidation loans help you out with a plan to clear all debts effectively, which allows you to consolidate your debts into one loan and clear your credit card bills in one go. With this loan, you'll be able to pay your credit card bills in advance at a lower monthly repayment amount and save on interest expenses.
- What Is Tax Loan?
- Tax Loan Strategy – The Selling Points of Tax Loan in HK
- Tax Loan Strategy – Comparison of Different Tax Loans
- Tax Loan Comparison Criteria (3): Beware of Any Additional Charges/Fees
- Tax Loan Strategy – Bank vs Money Lenders
- Note 1: Approval Time
- Note 2: Supporting Documents
- Note 3: Repayment Period
- Tax Loan Strategy – Promise's Low-Interest Personal Loan
- How to Apply Tax Loan at Promise?
Tax loan is a type of personal instalment loan. It is a tailor-made seasonal loan product during Hong Kong tax season (October to April of following year).
Tax loan in HK mainly targets salaryman who need to pay taxes and its original purpose is to reduce the financial burden of applicants by lending money to them for tax payments. Tax season is like a special offer period in the loan industry, and one of the features of tax loan in HK is the lower interest rates in comparison with other personal loan...
What criteria should be used for choosing the best tax loan in HK? You may take reference of below three criteria to choose the most suitable tax loan for yourself.
As some of the banks or money lenders may charge you different kinds of loan withdrawal handling fee or other administrative fees. Therefore, when comparing different tax loan products, you should be aware of any additional charges/fees, such as early redemption penalty etc, in order to avoid unnecessary expense.
Many people who are applying tax loans may struggle between the offers from banks and money lenders. 3 main differences between banks and money lenders have been listed as follows for you to check out before applying tax loans:
As the demand of tax loan is relatively high during tax season, while banks are closed during bank holidays, the processing time may last for one week or more, those who have an urgent need for cash flow or paying tax by cash should be aware of the risk of processing time. While various money lenders features express approval. Taking Promise as an ...
Tax loan application at banks may be more complicated, you may be required to provide different kinds of supporting documents like pay slip, tax bill, bank statement as income proofs when applying tax loan or other personal loans at banks. The tax loan application may be rejected if applicants fail to submit all the required supporting documents. T...
As tax loan is a low-interest loan product, the repayment period offered by banks may mainly vary from 12 to 24 months only. While money lenders may offer a more flexible repayment plan. For example, Promise offers repayment period varies from 3 to 84 months, allowing you to select the most suitable repayment plan.
Based on the results of above tax loan strategy comparison, money lenders may offer personal loanswith more flexible repayment plan. The application process and supporting documents submission are simpler too. Applicants may be able to obtain the approval results in a shorter period of time to meet your urgent need for cash flow.
Promise's low-interest personal loan is popular during tax season, because of its flexible repayment period up to 84 months and it's simple loan application process. Applicants can apply loan through Promise website by completing the online loan application form and uploading ID card and other required documents. Applicants can then receive online ...
The personal loan plans of Promise offer annual percentage rates as low as 1.12% without a handling fee, which is flexible to the different needs of consumers. Finally, applicants should only sign contracts with a clear understanding of the contract details. If we can make a better use of a personal loan, it will be more flexible when we are in ...
If you would like to improve your Personal Credit Rating, please take note of below Five Key Points: Pay your bills on time. Do not apply too many credit cards/personal loans in a short period of time. Build up a positive credit Record. Do not rely on one credit card only. Regularly review personal spending habits.
The monthly rate is 2.5% (APR 35.00%) with no new transactions, annual fees and other charges. If you only repay the minimum payment each month, the interest in total can be over HK$40,000, which doubled the amount of credit card debt. And the repayment period, including debt balance and interest, will last for around 26 years.
4. Paying Tax. Those who often overspend or live from paycheck to paycheck, might find themselves fell short when it comes to tax season. Compared to paying taxes with credit cards, interest rate of tax loans would be lower, which make applying for a tax loan a popular option during the tax season. 5.
