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%)
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Promise can help you choose the most suitable personal loan, which the application procedure is simple, to resolve your financial needs e.g. cash flow, credit card payment, education needs, advanced studies, relocation, home renovation, travel, etc. We consider ...
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- 前收市價3.210開市3.200買盤3.100賣出價3.110
- 今日波幅3.080 - 3.20052週波幅2.650 - 17.900成交量2.23M平均成交量3.03M
- 市值1.36BBeta值 (5年，每月)1.42市盈率 (最近12個月)不適用每股盈利 (最近12個月)-2.200
- 業績公佈日2023-08-23遠期股息及收益率不適用 & 不適用除息日2020-06-011年預測目標價8.85
相關股票
- What Is Tax Loan?
- Tax Loan Strategy – The Selling Points of Tax Loan
- Tax Loan Strategy – Comparison of Different Tax Loans
- Tax Loan Comparison Criteria (2): Does The Repayment Period Affordable?
- Tax Loan Comparison Criteria (3): Beware of Any Additional Charges/Fees
- Tax Loan Strategy – Bank vs Private Financial Company
- Approval Time
- Supporting Documents
- Repayment Period
- Tax Loan Strategy – Promise's Low-Interest Personal Loan
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 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 is the lower interest rates in comparison with other personal loans. Therefore...
What criteria should be used for choosing the best tax loan? You may take reference of below three criteria to choose the most suitable tax loan for yourself.
Before applying a tax loan, you should calculate the loan amount carefully and consider whether the repayment amount and period are affordable. When comparing different tax loans, it is important for you to check whether the repayment terms offered by different lending companies match with your repayment capability or not.
As some of the banks 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 if there are 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 private financial companies. 3 main differences between banks and private financial companies have been listed as follows for you to check out before applying tax loans:
As tax loan application is relatively high during tax season, while banks are closed during bank holidays, the processing time for banks may last for one week or more, which may not be suitable for people who have an urgent need of cash flow or paying tax by cash. While various private financial companies features express approval. Taking Promise a...
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. O...
As tax loan is a low-interest loan product, the repayment period offered by banks may mainly varies from 12 to 24 months only. While private financial companies 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, private financial companies may provide personal loans with 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 emergency cash flow needs. P...
Interest Rate: Monthly flat rate of 0.2% (annual percentage rate of 4.49%) Repayment period of 36 months with no handling fee. Monthly repayment amount will be HK$5,940; total repayment amount will be HK$213,840. Emergency Loan can be approved speedy. 4-month repayment. Apply loan online without income proof. Cash received instanly.
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%)
