100% Personal Loan Guarantee Scheme

Application information

Verify Information

Acknowledgement

0% completed
Please read carefully before applying for a loan pursuant to the below eligibility criteria (the “Loan”) for the 100% Personal Loan Guarantee Scheme (the “Scheme”).

Eligibility checking

You cannot proceed the application if any one of the eligibility check is not fulfilled.

  1. I have not retained or appointed any fee-charging third party (no matter such fee is charged upfront fee or on “no success no fee” basis) for or in relation to the procuring, negotiation, obtaining or application of the loan under the Scheme for or on my behalf. The information, declaration or supporting documents given to support my application are to the best of my knowledge and belief true, accurate and complete. I acknowledge that the Lender will report any suspected illicit behaviour (e.g. producing false declaration or using false instrument) to law enforcement agencies.
  2. I was previously employed or self-employed and had main recurrent incomes from employment or business[1] in Hong Kong for at least 3 months between January 2020 and February 2022.
    (For Borrower who became unemployed, laid-off or whose business ceased in the first quarter of 2020: I had main recurrent incomes from employment or business in Hong Kong for at least 3 months between July 2019 and February 2022.)
  3. I have been unemployed, laid-off or my business has been ceased[1] for at least 2 consecutive months at the time of application of the Loan
  4. I am currently unemployed, laid-off or my business has been ceased[1], and if applicable, have taken up casual or part-time jobs during the unemployed/laid-off/business cessation period which do not provide for my main recurrent incomes.
  5. I have a reduction of more than 50% of (not applicable to self-employed business owner[1]) my main recurrent incomes from employment or lost my main recurrent incomes from my business in Hong Kong, both for at least 2 consecutive months at the time of the application of the Loan.
  6. I am (a) not carrying on business[1]; and (b) not a borrower or guarantor of any existing loan or credit facility under the HKMCI’s SME Financing Guarantee Scheme.
  7. I confirm that I have not applied for a loan under the Scheme through other bank(s) (if applicable) or I have applied for a loan under the Scheme through another bank and hereby authorize the Lender to pass on my authorization to The Hong Kong Mortgage Corporation Limited (HKMC) or HKMC Insurance Limited (HKMCI) to stop processing matters in relation to all my previous loan application(s) submitted under the Scheme (if applicable).

Documents required

(Only applicable to first time loan application and top-up loan application with new supporting document(s))

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 and February 2022:
(In view of the fact that Borrower who became unemployed, laid-off or whose business ceased (for self-employed business owner) in the first quarter of 2020 may not be able to provide proof of employment or business and main current income for at least three months during the specified period, the Lender may exercise discretion in dealing with such cases by considering the Borrower’s proof of employment or business and main current income for at least the three (3) months between July 2019 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.

FAQs

A. Hang Seng Bank’s 100% Personal Loan Guarantee Scheme is applicable for our existing customers who are maintaining a valid Hang Seng Bank personal account. The standardized Annualised Percentage Rate (“APR”) is fixed at 1% per annum. Loan amount is up to HKD100,000 or 9 times of the average monthly income during employment period (whichever is lower). Repayment period is 120 months with a 18-month principal repayment holiday.

A. Yes, you can apply for the top-up loan through Hang Seng Bank if you have applied for and successfully drawn down the loan under the 100% Personal Loan Guarantee Scheme through Hang Seng Bank previously.

A. Please prepare the loan account number and loan amount of your previous/existing loan for top-up loan application. If the requested top-up loan amount exceeds half of the original loan amount of your previous/existing loan, please also prepare the required documents.

A. The minimum application amount is HKD5,000.

A. Customer may enjoy full rebate of the interest after the loan and interest are fully repaid by the end of the scheduled repayment period. The interest rebate will be credited to customer’s repayment account within 2 months after Hang Seng Bank has received the relevant interest rebate from the HKMC. Please ensure that the account status is normal before receiving the interest rebate.

A. No. Customer may enjoy full rebate of the interest after the loan and interest are fully repaid by the end of the scheduled repayment period despite early settlement or any interim delinquencies. The interest rebate will be credited to customer’s repayment account within 2 months after Hang Seng Bank has received the relevant interest rebate from the HKMC. Please ensure that the account status is normal before receiving the interest rebate.

Acknowledgement

Other point(s) to note

  • The monthly repayment amount will be debited from the above account on the due date every month. Joint account is not accepted.
  • Please get prepared for all the required documents and upload them before application submission. Otherwise you might not be able to complete the application. (Only applicable to first time loan application and top-up loan application with new supporting document(s) )
  • If you have problems filling out this online form, you may call our personal loan enquiry hotline 29973882 to obtain physical form. Office hours: Monday-Friday: 09:00-18:00; Saturday: 09:00-13:00 (except Sunday & public holidays).
  • This application form does not support Internet Explorer temporarily. Please use other browsers, e.g. Chrome, to apply.

Remarks

  1. A person currently carrying on any business by sole-proprietorship, partnership or privately owned limited company which has suffered at least a 30% decline in sales turnover in any month since February 2020 compared with the monthly average of any preceding quarter from January 2019 to March 2022 may apply for a Loan under the Special 100% Loan Guarantee under the SME Financing Guarantee Scheme.

Type of loan application

100% Personal Loan Guarantee Scheme
Have you applied for a loan under the 100% Personal Loan Guarantee Scheme and successfully drawn down the loan through Hang Seng before?

Input information

ALoan information
Please fill out the following loan information.
BPersonal details
Please tell us more about you. Please fill in English.
Title
Add other
Education level [6]
Residential status
Is your residential address above same as your correspondence address?
Is your previous residential address located in HK?
C Supplemental information and/or declaration Information of last / current employment
The Borrower hereby provides the following additional information and declaration[9] in support and for the purpose of applying for an eligible Loan proposed to be granted by the Lender to the Borrower and for the Lender’s sale of such eligible Loan to the HKMC under the Scheme.(optional)
Regular-salaried employment:
Were you working as full-time or part-time?
Nature of occupation
Main recurrent income before unemployment, laid-off or business cessation – any 3 months between January 2020 and February 2022
Have you been unemployed, laid-off or business ceased for at least 2 consecutive months at the time of loan application?
Have you had a reduction of more than 50% of your main recurrent incomes from employment or lost your main recurrent incomes from your business in Hong Kong, both for at least 2 consecutive months at the time of the loan application?
The Borrower hereby provides the following additional information and declaration[9] in support and for the purpose of applying for an eligible Loan proposed to be granted by the Lender to the Borrower and for the Lender’s sale of such eligible Loan to the HKMC under the Scheme.(optional)
DDeclaration
Relationship declaration
Are you a relative [10] of any of the directors / employees [10] / controllers [10] / minority shareholder controllers [10] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
Are you a director / employees [10] / controller [10] / minority shareholder controllers [10] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
Notice
Loan information
Personal details
Supplemental information and/or declaration
Information of last / current employment
Declaration
Relationship declaration
Are you a director / employee / controller / minority shareholder controller of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
Reminders on Responsible Borrowing
Consent for the Use of Personal Data for New Purposes
Acknowledgement
Things to note
Thank you for your application on 100% Personal Loan Guarantee Scheme. Please find your application details below. For details, please refer to Other point(s) to note. The approval result will be sent to you by SMS or letter.
Loan information

Remarks

[2] Our bank only offers total repayment period of 120 months. Early redemption fee will not be charged if customer settled the loan earlier. Once customer has settled the loan, the interest incurred will be fully rebated.

[3] The Borrower must apply for 18-month principal repayment holiday.

[4] 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).

[5] The Borrower shall provide a copy of the HKID card showing permanent residence status.

[6] Optional field for statistical purpose.

[7] The Borrower shall provide 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/her 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.

If none of the district is available, please choose the nearest district and provide supplement in the "Number and name of street" field.

[8] (Only applicable to first time loan application and top-up loan application with new supporting document(s) ) If the Borrower is self-employed, the Borrower shall provide a business registration certificate and/or any supporting document showing the Borrower’s self-employed business.

[9] If the Borrower can only provide either wage confirmations or proof of business activities or bank statements for any month(s):

i) the Borrower is required to provide a written declaration below to explain the reason for missing the required proofs; and

ii) the relevant monthly income will be subject to estimation.

I confirm that I have obtained consent from the individuals listed above for the provision of their information to Hang Seng, its branches, subsidiaries and affiliates for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

 

I hereby authorise (and authorise on behalf of the above persons) Hang Seng to exchange with Hang Seng’s branches, subsidiaries and affiliates information relating to me / the above persons and the facilities granted to me / the above persons for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

Remarks

[10] You may request from Hang Seng the definitions of these terms and a list of the abovementioned entities.

Here is a summary of your application. Please review carefully before you proceed. You can click "Back" to edit your information.
The result from repayment calculator is for reference only.

Reminders on Responsible Borrowing

  1. Understand your own financial conditions, daily expenses and actual borrowing needs.
  2. Assess your own repayment ability and avoid over-borrowing.
  3. Repay your loan on time to avoid late payment charges and additional overdue interest.
  4. If you do not fulfil the repayment obligations, it may adversely affect your credit records maintained at the credit reference agencies.  The lending bank will also follow up in accordance with its usual processes.

Click here to revisit the Key Fact Statement for the relevant fees and charges if you wish.

By pressing the Agree and submit button in this application form, I/we agree that Hang Seng Bank Limited ( “the “Bank” ) may use and disclose all personal data about me/us that the Bank currently or subsequently hold for the purposes as set out in the Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance which accompanies this application form (“Notice”). *

*Note

For customers who have a relationship with Hang Seng before 16 June 2014: The Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance include new purposes relating to Hang Seng’s provision of services to you and enable Hang Seng to use your personal data in order that Hang Seng comply with the following current or future obligations, commitments or arrangements of Hang Seng or the HSBC Group:

  1. obligations according to laws, regulations, judgments or court orders (both within and outside Hong Kong) including those that relate to money laundering, terrorist financing, bribery, corruption, tax evasion, fraud or sanctions (collectively referred to herein as "Unlawful Activities");
  2. obligations according to guidelines, guidance or codes issued by local or foreign bodies or authorities (whether governmental, tax, law enforcement, regulatory, judicial, industry or others), or international guidance or internal policies and procedures, including those that relate to Unlawful Activities;
  3. requests from local or foreign bodies or authorities;
  4. commitments undertaken by Hang Seng or the HSBC Group with local or foreign bodies or authorities;
  5. obligations according to agreement or treaty between local or foreign bodies or authorities; and
  6. obligations according to the HSBC Group’s internal policies and procedures for use and sharing of data and information. The above may result in transfer of your personal data outside of Hong Kong. Please read the Notice which shows in full the purposes for which your personal data may be used and the classes of persons to whom your personal data may be transferred.

In case of queries, please contact Customer Service Hotline at 2998 9878.

  1. the details as specified in the above summary of application details and that I have assessed my responsibility on the above Reminders on Responsible Borrowing.
  2. I apply for a loan ("the Loan") under the 100% Personal Loan Guarantee Scheme particularised above and irrevocably request and authorise Hang Seng Bank Limited ("Hang Seng") to have the approved loan proceeds credited to my account with Hang Seng set out on the "Hang Seng Bank Account No. for Loan Disbursement upon Approval" field ("Account"). I authorise Hang Seng to debit the monthly repayment amount from the Account on the due date every month. I hereby irrevocably request and authorise Hang Seng to transfer all the amount due and payable to Hang Seng in respect of the Loan from the Account at the discretion of Hang Seng from time to time for repayment of the Loan and payment of any liabilities due to Hang Seng in connection of the Loan.
  3. the Declaration (refer to page 7).
  4. that with my consent or indication of no objection, the Bank may use my personal data and provide the data to other members of the Hang Seng Bank Group to keep myself updated of the latest promotion and offer in accordance with Clause 7 of the Notice. I understand that under the Personal Data (Privacy) Ordinance I have the right to request, on a no charge basis, the Bank to cease to use my personal data for directing marketing purpose via any communication channels or not provide my personal data to any other members of the Hang Seng Bank Group for their use for promotion purpose. I acknowledge that if I have already indicated my choices to the Bank of whether or not to receive promotion and offer, the Bank will act on my existing choices.  I also understand that if I do not wish the Bank to use (or continue to use) my personal data or provide (or continue to provide) my personal data to other members of the Hang Seng Bank Group for direct marketing purpose, I should follow Remark 1 below and indicate my objection by exercising my opt-out right before proceeding with this application. 
  5. Personal Information Collection Statement (issued by HKMC Group)
  6. By checking the above tick box, I, being the Borrower, agree, declare and acknowledge that this application shall be subject to the terms and conditions contained in this application, the Terms and Conditions for Loan under 100% Personal Loan Guarantee Scheme and such other applicable terms and conditions governing or in connection with the Loan (collectively, the “Loan Terms”).
    I also agree and confirm that my submission of this application to Hang Seng by checking the above tick box shall constitute: (1) my agreement to be bound by all the terms in connection with this application (including the Loan Terms); and (2) my electronic signature of this application (including the Loan Terms) having the same force and effect as my manual/wet signature.
    In the case where this application is completed and/or submitted by phone, I shall be bound by any verbal agreement or acceptance I provide to Hang Seng via phone, and I agree that such agreement or acceptance in respect of this application shall constitute my valid electronic signature on this application (including the Loan Terms) having the same force and effect as my manual/wet signature.
  7. I acknowledge and confirm that the final approved loan amount will be directly disbursed into the Account if it is same as the requested loan/top-up loan amount, and that I will be noticed through SMS on the same day. I understand that the repayment date of this Loan will be defaulted as the date of 1 month after Loan disbursement. Loan details can be found on the drawdown letter.

Remarks

1 Customers can submit the opt-out request by the following channels

(i) Contact any Hang Seng Bank branch

(ii) Call our Customer Service Hotline 2822 0228 

(iii) “Direct Marketing Consent (Not Applicable to Private Banking services)” in Desktop site of Hang Seng Bank e-Banking (Click the left side menu -> Customer Services -> Account Maintenance -> Personal Particulars)

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.

Remark(s)

  1. In view of the fact that Borrower who became unemployed, laid-off or whose business ceased (for self-employed business owner) in the first quarter of 2020 may not be able to provide proof of employment or business and main current income for at least three months during the specified period, the Lender may exercise discretion in dealing with such cases by considering the Borrower’s proof of employment or business and main current income for at least the three (3) months between July 2019 and February 2022.

Other point(s) to note

  1. Hang Seng Bank Limited ("Hang Seng") reserves the right of the final approval of the Loan application and the loan terms.
  2. Hang Seng reserves the right to request for additional information or documents of the applicant. The documents can be submitted online via hangseng.com/loan or Hang Seng Personal Banking Mobile App, or send either by fax to 3409 1583 or return to any Hang Seng branch (Please mark the HKID Card No. on the copy of documents). All documents are not returnable.
  3. The final approved loan amount will be directly disbursed into your designated Hang Seng Bank account if it is same as the requested loan/top-up loan amount. You will be notified through SMS on the same day. The repayment date of this loan will be defaulted as the date of 1 month after loan disbursement. For more details, please refer to the applicable terms and conditions and the drawdown letter.

System message

We are sorry that we cannot proceed with your application due to an error in the information you submitted.

Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.

An error occurred

We are sorry that the system is unavailable at this moment.

Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.