Application information
Verify Information
Acknowledgement
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Please read carefully the below pre-requisites for applying 100% Personal Loan Guarantee Scheme.
Eligibility Checking

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

1) I was previously employed and had main recurrent income from employment in Hong Kong for at least 3 months during the period from January 2020 to February 2021 or, if I became unemployed in the first quarter of 2020, I had main recurrent income from employment in Hong Kong during the 3 months prior to unemployment.
2) I have been unemployed for at least 2 months at the time of application of the Loan.
3) I am currently unemployed.
4) I have lost my main recurrent income from employment in Hong Kong for at least 2 months at the time of the application of the Loan.
5) I am not a sole proprietor, partner or a shareholder who is also a personal guarantor of any existing loan or credit facility under the HKMC Insurance Limited (HKMCI)’s SME Financing Guarantee Scheme (sole proprietor or shareholder who also acts as personal guarantor of an existing loan or credit facility under the SFGS is not eligible to apply for Loan under the Scheme.).
6) I confirm that I have not applied for 100% Personal Loan Guarantee Scheme through other participating bank.

Submission of unemployment proofs

Bank statements or passbook for 2 consecutive months issued within 3 months prior to loan application showing cessation of monthly main recurrent income from employment in Hong Kong, and submit one of the following proof of unemployment for 2 months:

- Severance letter issued by the former employer.
- Letter of termination of employment issued by the former employer.
- Proof of receipt of severance payment or long service payment pursuant to the Employment Ordinance.
- Proof of receipt of an application for, or receipt of, ex-gratia payment from the Protection of Wages on Insolvency Fund.
- Proof showing former employer's business close down together with proof showing employment relationship with the former employer (e.g. employment contract, wage receipt).
- Statements issued by an MPF or ORSO scheme service provider showing cessation of contribution entries or termination of employment.
- Notice of Cessation of Business filed to the Business Registration Office.

Submission of proofs of previous employment/occupation and main recurrent income

For any one of the following supporting documents, any 3 months during the period between January 2020 and February 2021 in which the relevant income must be earned before the first unemployment month:

- Bank statements or passbook showing the salary record of the relevant months (e.g. credit transaction with description of “salary”, “payroll”, etc.) at least 3 months’ wage receipt entries of the relevant 3 months supported by wage slips or receipts;
- Wage slips or receipts issued by the former employer and supported by bank statement or passbook showing cheque or cash deposit. For wage paid by cheque and the relevant wage slips or receipts are not available, a copy of the cleared cheques if there are means to prove the employment relationship with cheque issuer(s);
- Bank statements or passbook showing cheque or cash deposits and supported by sales or service contract(s) or invoice(s) or correspondence(s) confirming the relevant job or project;
- Annual statements for 2020 or monthly contribution history of the MPF or ORSO scheme;
- Tax demand note for financial year 2019/2020 with assessment details;
- Tax return or any official documents (e.g. termination letter showing last salary and period of employment) issued by the former employer in the company’s letterhead or with the company chop.

Acknowledgement
Hang Seng Bank Account No. for Loan Disbursement upon Approval

Other point(s) to note

  • Joint account is not accepted.
  • Please get prepared for all the required documents and submit them right after the completion of the online application form. If you submitted the documents in different period of time by several batches, the processing time will be lengthened.
  • If you have problems filling out this online form, you may call our personal loan enquiry hotline 29973882 to obtain physical form. Office hours: Mon to Fri: 09:00-18:00; Sat: 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.
Input information
ALoan information
Please fill out the following loan information.
Do you require principal repayment holiday (12 months) [3] ?
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?
CInformation of last employment/occupation
Thanks, now fill in your background and last employment/occupation information.
Regular-salaried employment:
Were you working as Full-time or Part-time?
Nature of occupation
Main recurrent income before unemployment - Must provide any 3 months from January 2020 to February 2021 [9]
The Borrower hereby provides the following additional information and declaration 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
Information of last employment/occupation
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 and remember to provide documents of unemployment proof and proofs of previous employment/occupation and main recurrent income. For details, please refer to Other point(s) to note.

Please provide the document(s) within 48 hours and we will process the loan application after we receive the supporting documents. Please note that if you submitted the documents in different period of time by several batches, the processing time will be lengthened. The approval result will be sent to you by SMS or letter.
Loan information

Remarks

[1] There is a minimum loan amount of HK$5,000 and it shall be rounded down to the nearest hundreds based on the amount calculated.
[2] Our bank only offers total repayment period of 72 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 shall either apply for no or 12-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 (valid within 3 months from the application) in the Borrower’s name, e.g. utility bills, Government rent or rates demand note, tenancy agreement or rental receipt, any correspondence issued by any Government department (e.g. a tax demand note issued by the Inland Revenue Department) or any public bodies to the Borrower. 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] 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] The Borrower shall provide documentary proofs of:
(a) unemployed for at least two months at the time of loan application and can produce proof of cessation of their main recurrent income from employment in Hong Kong.
(b) proof of their previous employment and main recurrent income for at least three months during the period from January 2020 to the scheme’s announcement in February 2021; and In view of the fact that Borrower who became unemployed in the first quarter of 2020 may not be able to provide proof of employment and main current income for at least three months during the specified period, the participating lending institutions may exercise discretion in dealing with such cases by considering the Borrower’s proof of employment and main current income in the three months prior to unemployment.
(c) Unless justified otherwise with proofs, the bank account shall be the same as that used to show the 3 months’ income proof mentioned in Proofs of previous employment/occupation and main recurrent income.

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.

Other point(s) to note

[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.

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:

 (i) 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");

 (ii) 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;

 (iii) requests from local or foreign bodies or authorities;

 (iv) commitments undertaken by Hang Seng or the HSBC Group with local or foreign bodies or authorities;

 (v) obligations according to agreement or treaty between local or foreign bodies or authorities; and

(vi) 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) the Declaration.

(3) 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. 

(4) Personal Information Collection Statement (issued by HKMC Group)

(5) that the final approved loan amount will be directly disbursed into my Hang Seng Bank account which has been mentioned on the application form, 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)

Other way to submit document

Submit document

Fax number: 3409 1583

Other point(s) to note

i. Hang Seng Bank Limited (""Hang Seng"") reserves the right of the final approval of the Loan application and the loan terms.
ii. 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 1359 or return to any Hang Seng branch (Please mark the HKID Card No. on the copy of documents). All documents are not returnable.
iii. If you cannot provide the required documents after application submission within 48 hours, we will not proceed with the application without further notice.
iv. The final approved loan amount will be directly disbursed into your Hang Seng Bank account which has been mentioned on the application form, and that you will be noticed through SMS on the same day. You 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.
v. Type of unemployment proofs - Bank statements or passbook for 2 consecutive months issued within 3 months prior to loan application showing cessation of monthly main recurrent income from employment in Hong Kong, and submit one of the following proof of unemployment for 2 months:
- Severance letter issued by the former employer.
- Letter of termination of employment issued by the former employer.
- Proof of receipt of severance payment or long service payment pursuant to the Employment Ordinance.
- Proof of receipt of an application for, or receipt of, ex-gratia payment from the Protection of Wages on Insolvency Fund.
- Proof showing former employer's business close down together with proof showing employment relationship with the former employer (e.g. employment contract, wage receipt).
- Statements issued by an MPF or ORSO scheme service provider showing cessation of contribution entries or termination of employment.
- Notice of Cessation of Business filed to the Business Registration Office.
vi. Proofs of previous employment/occupation and main recurrent income - For any one of the following supporting documents, any 3 months during the period between January 2020 and February 2021 in which the relevant incomes must be earned before the first unemployment month:
- Bank statements or passbook showing the salary record of the relevant months (e.g. credit transaction with description of “salary”, “payroll”, etc.) at least 3 months’ wage receipt entries of the relevant 3 months supported by wage slips or receipts;
- Wage slips or receipts issued by the former employer and supported by bank statement or passbook showing cheque or cash deposit. For wage paid by cheque and the relevant wage slips or receipts are not available, a copy of the cleared cheques if there are means to prove the employment relationship with cheque issuer(s);
- Bank statements or passbook showing cheque or cash deposits and supported by sales or service contract(s) or invoice(s) or correspondence(s) confirming the relevant job or project;
- Annual statements for 2020 or monthly contribution history of the MPF or ORSO scheme;
- Tax demand note for financial year 2019/2020 with assessment details;
- Tax return or any official documents (e.g. termination letter showing last salary and period of employment) issued by the former employer in the company’s letterhead or with the company chop.

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