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  1. Any item you need to beware of when renovating public housing units? Approximate decoration costs for 300 to 400 sq. ft. public housing units will be provided in this article for reference. Some frequently asked questions about public housing decoration will also be

  2. If the size of the original document is A4 or above, please provide. An image of whole document; and. A close-up image of the top 1/3 section of the document. You are required to upload documents for online application. Find out more about how to upload copies of your ID card, debit card, or bank statement now.

  3. If the size of the original document is A4 or above, please provide the image of whole document, and the close-up of the top 1/3 part of the document. Image that shows the whole document. The close-up of the top 1/3 part of the document, with issuing organization, name of applicant, recipient address and bank account number clearly shown.

  4. The provisions of the Money Lenders Ordinance (Cap.163 of Laws of Hong Kong) (the "Ordinance") summarised below are important for the protection of all the parties to a loan agreement, and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.

    • 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...

  5. However, before applying for a loan, it's crucial to pay attention to the size and accreditation of the loan company. Avoid choosing unlicensed companies and opt for a trustworthy money lender like Promise. Promise personal loan with low-interest rates can help If ...

  6. Promise stands by you at every critical moment. Whether it is to resolve cash flow problems, settle credit card debt, pay taxes or kickstart your business, we provide flexible financing solutions, and allow 24-hour loan applications online without handling fees. Aside from visiting one of our branches, you can apply for a loan via our hotline ...

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