Great for

• 

  Up to HK$3,000 cash rebate

  From 25 June 2022 to 24 August 2022, apply and draw down Handy Cash Personal Instalment Loan to enjoy privileged offers:

  • Up to HK$2,000 Cash Rebate for online application

  Drawdown Amount	Repayment Period	Cash Rebate
  HK$1,000,000 or above	24 months or above	HK$2,000
  HK$500,000 to HK$999,999	HK$1,000
  HK$200,000 to HK$499,999	HK$500
  HK$50,000 to HK$199,999	HK$200

   

  • Payroll Customers do not need to submit documents and enjoy up to HK$1,000 Cash Rebate

  Drawdown Amount	Repayment Period	Cash Rebate
  HK$1,000,000 or above	24 months or above	HK$1,000
  HK$500,000 to HK$999,999	HK$500
  HK$200,000 to HK$499,999	HK$200
  HK$50,000 to HK$199,999	HK$100

• 
  Monthly flat rate as low as 0.08% (Annualized Percentage Rate as low as 1.78%) and 0% handling fee
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  Loan amount up to HK$3,000,000 or 15 times of your monthly salary (whichever is lower), and repayment periods up to 60 months
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  Further apply for a top-up on your repaid amount with no documents required

Need to know

• 

  Monthly flat rate as low as 0.08% and APR as low as 1.78%:

  • For a loan amount of HK$1,000,000 or above, the APR of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month repayment period, including 0% handling fee
  • The "0% handling fee" is not applicable to drawdown loan amount below HK$5,000
  • If customer’s loan application cannot meet the approval requirements, Hang Seng Bank Limited may approve a loan to individual customers on a case-by-case basis but the interest rate offered may be adjusted. For details, please contact Hang Seng’s staff. Customers will be notified of the relevant adjusted interest rate upon loan approval
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  All annualised percentage rates are

  • calculated using the Net Present Value Method in accordance with the Code of Banking Practice;
  • reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate if applicable.
• 

  Up to HK$3,000 Cash Rebate

  • It will be credited to customer's repayment account by 31 December 2022 without prior notice
  • Customers must have no record of default or early settlement of their instalment loans.
  • If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/she shall return the rebate in full to Hang Seng upon settlement of the loan.
  • Each eligible customer could enjoy each offer once only in the Promotion Period
• 
  The Annualised Percentage Rate ranges from 1.66% to 48.00%, with repayment period of 6 to 60 months. The loan application is subject to the Bank’s approval. For a loan amount of HK$100,000 with 12 months repayment period, the monthly flat rate is 0.25% (APR 5.63%), and the total loan repayment amount is HK$103,000.80, including 0% handling fee. The above example is for reference only
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  Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis
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  To borrow or not to borrow? Borrow only if you can repay!