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Exclusively for existing personal instalment loan customers(1). |
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Top-up loan amount of up to the total loan
principal repaid. |
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As low as prevailing interest rate(2)/
monthly handling fee(2) on your existing
loan account. |
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Same loan tenor as your existing loan account. Option to select a longer repayment period (up to 48 months) also available. |
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Low redraw handling charge of 1% p.a. on the approved top-up loan amount, and which will be deducted from such amount. |
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Apply online to enjoy our Instant Approval and Disbursement(3). You will get the chance to enjoy a full-year interest and handling fee waiver upon successful application!
Please click here for details, terms and conditions. |
| (1) |
Customers are eligible to apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HKD3,000 and a punctual repayment record is maintained. |
| (2) |
Interest rate is only applicable to Hang Seng Handy Cash Personal Instalment Loan; Monthly handling fee is only applicable to Hang Seng "Self-fulfilment" Interest-free Loan, Hang Seng "Self-fulfilment" Interest-free Instalment Plan and Hang Seng "Fabulous Life" Interest-free Loan. For a monthly flat interest rate / monthly handling fee (based on the loan amount) of 0.25%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 7.63% and 7.92% respectively; For a monthly flat interest rate / monthly handling fee (based on the loan amount) of 0.65%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 17.25% and 17.68% respectively; For a monthly flat interest rate / monthly handling fee (based on the loan amount) of 0.75%, the annualised percentage rates calculated over a 12-month and 24-month loan tenor are 19.74% and 20.16% respectively. The above annualised percentage rates are calculated using Net Present Value Method in accordance with the Code of Banking Practices and inclusive of a redraw handling charge calculated at 1% p.a. of the approved Top-up loan amount. The above monthly flat interest rates / monthly handling fee are for reference only, and will be subject to the loan amount. If your application cannot meet our loan approval requirements, your application will still be processed but interest rate / monthly handling fee offered may be adjusted. For details, please contact our bank staff. Customer will be notified of the relevant adjusted interest rate / monthly handling fee upon loan approval. If customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated Hang Seng account according to normal procedures. |
| (3) |
Instant approval and disbursement is only applicable to Hang Seng Personal e-Banking Customers. The approval of the loan is subject to circumstances of individual cases and Hang Seng's final decision. |