Please upload all required documents before application submission. If you cannot provide the required documents before application submission, we will not proceed with the application without further notice.
We need the following documents from you:
1) Copy of Hong Kong Permanent Identity Card
2) Proof of the latest residential address in Hong Kong (valid within 3 months from the application) in the Borrower’s name, e.g. utility, internet service or phone bill, Government rent or rates demand note, tenancy agreement or rental receipt, any correspondence issued by any Government department (e.g. the Inland Revenue Department), any MPF Scheme or ORSO Scheme service provider, or any public bodies to the Borrower.
The Borrower may provide other documents showing his residential address in Hong Kong, such as tax returns issued by the Borrower’s former employer, bank statements or statements issued by an insurance company.
If the Borrower can only provide proof of the latest residential address in the name of other person (e.g. family member) living with the Borrower, the Borrower shall provide a declaration explaining the situation and provide a copy of bank statement issued to the Borrower in such residential address. Address proof is required in all cases.
3) Proofs of previous employment or business and main recurrent income
The following documentary proofs of previous employment or business in Hong Kong and main recurrent income for at least three (3) months during the specified period between January 2020[1] and February 2022:
i. Bank statements or passbook showing the autopay salary record (e.g. credit transaction with description of “salary”, “payroll”, employer’s name) for at least 3 months;
ii. Wage slips, wage receipts, or other documents (such as tax return or any official documents, e.g. termination letter, statement of final/severance payment showing the last salary and period of employment to the Borrower, annual statements for 2020 or 2021, or monthly contribution history of the MPF scheme or ORSO scheme) that can be relied on to confirm or deduce the daily or monthly wage in the 3 months (collectively, “wage confirmations”), issued by the current and/or former employer and supported by bank statement(s) or passbook showing record of bank transfer or deposits of cheque(s) or cash.
For wage paid by cheques and the relevant wage confirmations are not available, a copy of the cleared cheques supported by proof of employment relationship between the Borrower and the cheque issuer(s);
iii. Bank statements or passbook (including statements or passbook(s) of major bank account(s) of your sole proprietorship, partnership, or privately owned limited liability company, if appropriate, or free-lancers) showing records of business transactions, and supported by proofs of business activities for any 3 months which generated the main recurrent incomes. Examples of proofs of business activities include sales or service contract(s), invoice(s), or other records or correspondence(s) confirming remunerated jobs or projects of the Borrower;
iv. Tax demand note (including tax demand note of the Borrower’s sole proprietorship, partnership, privately owned limited liability company, if applicable) for financial year 2019/2020 or 2020/2021 or 2021/2022 with assessment details.
4) Proofs of unemployment, laid-off or business cessation status
Unemployed, laid-off or cessation of business (for self-employed Borrower) for at least two (2) consecutive months at the time of loan application and can produce proof of loss of more than 50% main recurrent income from employment (not applicable to business owner) or loss of main recurrent incomes from business in Hong Kong.
i. Bank statements or passbook of the Borrower’s main personal bank account(s) (and main business operating bank account(s) for self-employed business owner) for any 2 consecutive months issued within 3 months prior to the submission of loan application showing loss of more than 50% main recurrent income from employment in Hong Kong (not applicable to business owners) or loss of main recurrent income from business in Hong Kong. Please note: Unless justified otherwise with proofs, the bank account shall be the same as that used to show the 3 months’ income proof mentioned in the loan application form.
ii. Applicable to self-employed business owners
Proof of filing of Notice of Cessation of Business to the Business Registration Office or completion of sale of sole proprietorship or partnership, or Form 1(a) or Form 1(c) of the Business Registration Office showing the Borrower ceased the business or ceased to be a sole proprietor or partner, as the case may be. Alternatively, the Borrower may provide (i) the latest statements or passbook of major bank account(s) (for 2 consecutive months issued within 3 months prior to the submission of the loan application) of the sole proprietorship, partnership, or privately owned limited company, as the case may be, showing no active account transactions arising from new business activities; (ii) the relevant Business Registration Certificate of the self-employed business; and (iii) provide a declaration in the loan application form to provide an explanation for those non-business related transactions, if any, and provide supporting documents, where applicable.
Please click "Submit document now" to open new tab to submit documents (Please note that the time limit for uploading documents is 20 minutes). After uploading documents successfully, please return back to the online application form and submit the application.
