Fees several months are 120 days with a great 18-few days dominant payment getaway
On a hundred% Consumer loan Make sure Plan
100% Unsecured loan Guarantee System try guaranteed of the Government toward anybody that suffer of death of fundamental recurrent earnings off a career as a result of the pandemic. You are able to take a look at the Hong-kong Mortgage Business Minimal (“HKMC”)is the reason site otherwise get in touch with HKMC Insurance policies Limited (“HKMCI”)’s the reason inquiry hotline on (852) 2536 0392 to get more information.
Hang Seng Bank’s a hundred% Consumer loan Be certain that Strategy applies for the established users just who is actually keeping a valid Hang Seng Bank individual account. Brand new standardized Annualised Percentage Rate (“ount is perfectly up to HKD100,100000 otherwise 9 days of the typical monthly earnings throughout the work months (whatever is lower).
- Proprietor of Hong-kong permanent name cards old 18 or significantly more than; and
- Unemployed, laid-off, company stopped otherwise chief recurrent income shorter by the more 50% for at least dos consecutive weeks in the course of app; and
- Really should not be undischarged bankrupts neither susceptible to any bankruptcy proceeding petition or process in the course of application for the loan; and
- Manage valid Hang Seng Financial private account
Brand new Debtor will supply the following documentary evidences of past a position otherwise organization from inside the Hong kong and you will chief recurrent earnings to possess during the minimum 3 months in the specified months between :
- Financial statements or passbook proving the fresh new autopay paycheck list (elizabeth.grams. credit transaction having breakdown off “salary”, “payroll”, «employer’s label») for at least 90 days;
- Salary 24 hr payday loans Circleville slips, salary receipts, and other data files (like income tax return otherwise one formal documents, age.grams. cancellation letter, report out of final/severance fee showing the final salary and you will period of a position so you’re able to the brand new Borrower, yearly comments to possess 2020 or 2021, or monthly sum reputation for brand new MPF plan otherwise ORSO strategy) that may be used to ensure or conclude the latest every single day otherwise monthly salary regarding the 3 months (with each other, “wage confirmations”), given by the current and you will/otherwise former manager and you may supported by bank statement(s) or passbook showing listing regarding financial transfer otherwise deposits from cheque(s) or bucks. To own wage paid back because of the cheques as well as the associated wage confirmations are not available, a duplicate of your own removed cheques backed by evidence of work relationships amongst the Borrower plus the cheque issuer(s);
- Financial statements or passbook (and additionally comments or passbook(s) of significant bank account(s) of one’s best proprietorship, commitment, otherwise personally possessed limited-liability team, in the event that suitable, or free-lancers) showing details out-of organization purchases, and you can backed by evidences from providers affairs for any ninety days and this generated part of the perennial profits. Examples of proofs out-of providers factors were sales or services bargain(s), invoice(s), and other records otherwise communication(s) confirming compensated operate or strategies of one’s Borrower;
- Tax request note (and tax request notice of your own Borrower’s sole proprietorship, commitment, privately owned limited liability organization, in the event the relevant) to own monetary 12 months otherwise or having review facts.
Yes, you could submit an application for the top-right up loan by way of Hang Seng Lender if you have applied for and efficiently drawn on the loan underneath the one hundred% Consumer loan Be certain that Strategy as a consequence of Hang Seng Lender previously
Unemployed, laid-off otherwise cessation off company (to have self-working Borrower) for at least 2 straight weeks during loan app and can create proof death of more than 50% fundamental recurrent money off employment (perhaps not applicable so you can business person) or loss of head recurrent revenue out of a career team for the Hong Kong.
- Lender comments otherwise passbook of one’s Borrower’s fundamental personal savings account(s) (and you may main business doing work savings account(s) having thinking-functioning entrepreneur) when it comes down to 2 successive months issued within this 90 days prior to the latest submitting regarding loan application demonstrating a loss of more 50% head perennial income off work into the Hong-kong (maybe not appropriate in order to business owners) or loss of fundamental recurrent earnings of team from inside the Hong-kong. Please note: Until justified otherwise that have proofs, the bank account might be like which used so you can show the three months’ earnings research stated on loan application function.