i. Total loan amount is the total of the lump sum of balance transfer account and the additional loan amount to be deposited into my account.
ii. If the above loan application (or part of it) is approved, the loan amount will be paid by way of cashier order or interbank fund transfer (CHATS). If the loan amount cannot be paid by CHATS, it will be paid by cashier order. Where the loan (or part of it) is disbursed by CHATS, the CHATS payment will be transferred to the designated beneficiary banks/financial institutions on the loan drawn down date. The beneficiary banks/financial institutions may charge a handling fee for local telegraphic transfer from the relevant accounts. Where the loan (or any part of it) is disbursed by cashier order, it will be sent by registered mail/courier to the applicants, or can be collected at Hang Seng Tower in person. Upon receiving the cashier order, applicants should deposit the cashier order to the designated beneficiary banks/financial institutions accordingly.
iii. To ensure the application is processed promptly, please submit the latest monthly statements of the personal overdraft/loan/credit card accounts for each balance transfer requests. The processing priority and the transferred balance are subject to credit assessment result. The actual settlement date may vary according to the policies and procedures of the beneficiary banks/financial institutions. Applicants should note the repayment due date of the beneficiary accounts. In any circumstances, the Bank shall not guarantee that the approval loan is disbursed on or before the relevant repayment due date of the beneficiary accounts. The Bank shall not be liable for any interests, charges or penalties arising from the amount owed to beneficiary banks/financial institutions.
iv. The Bank shall not accept any application of the Debt Consolidation Instalment Loan for the purpose of settling outstanding amounts of Hang Seng Personal Instalment Loans, Personal Revolving Loans, credit cards and overdrafts, and the beneficiary accounts should be Hong Kong Dollar Accounts under the applicants' sole name.
v. In the event of the loan amount being insufficient to settle in full the outstanding amount owed to the relevant beneficiary banks/financial institutions, applicants shall be responsible for repaying the residual outstanding amount to the beneficiary banks/financial institutions.
 All Annualised Percentage Rates ("APR") are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The above are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
 (If applicable) By using the promotion code, you agree to be bound by the related terms and conditions as set out by the Bank and acknowledge your loan application with the Bank is not under beneficial arrangement with a third party.