Regarding the one hundred% Consumer loan Make sure Strategy
100% Personal bank loan Be certain that Program are protected of the Authorities towards the anyone that suffer out-of loss of chief recurrent income regarding work considering the pandemic. It is possible to read the Hong kong Mortgage Company Limited (“HKMC”)is why webpages otherwise contact HKMC Insurance Limited (“HKMCI”)’s the reason inquiry hotline from the (852) 2536 0392 for lots more facts.
Hang Seng Bank’s one hundred% Unsecured loan Ensure Plan is applicable for the established people just who was keeping a legitimate Hang Seng Financial personal membership. The new standard Annualised Payment Speed (“ount is perfectly up to HKD100,one hundred thousand or 9 times of the average month-to-month income throughout a position period (any is gloomier).
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- Proprietor from Hong kong long lasting term card old 18 otherwise over; and you may
- Underemployed, laid-away from, team ceased or chief perennial income less by more than fifty% for at least 2 straight weeks during software; and you may
- Shouldn’t be undischarged bankrupts neither at the mercy of any case of bankruptcy petition or procedures in the course of loan application; and
- Care for valid Hang Seng Lender individual account
This new Borrower will supply the adopting the documentary proofs off early in the day a position otherwise providers within the Hong-kong and you will head perennial earnings to have on least ninety days when you look at the given period ranging from :
- Lender statements otherwise passbook showing the fresh autopay salary list (elizabeth.grams. borrowing deal having dysfunction out-of “salary”, “payroll”, “employer’s identity”) for around ninety days;
- Wage slides, salary receipts, and other documents (such as for instance income tax get back or any authoritative documents, age.g. cancellation letter, statement regarding finally/severance fee showing the very last income and you may age employment to the brand new Debtor, annual statements to possess 2020 otherwise 2021, otherwise month-to-month contribution reputation for new MPF plan otherwise ORSO plan) that may be used to verify or determine the fresh day-after-day or month-to-month salary throughout the 3 months (with each other, “salary confirmations”), given by newest and you can/or previous workplace and you can supported by bank report(s) otherwise passbook exhibiting record away from lender import or dumps regarding cheque(s) or dollars. For wage paid back by the cheques and relevant wage confirmations try unavailable, a duplicate of one’s removed cheques backed by evidence of a career relationships involving the Borrower in addition to cheque issuer(s);
- Bank statements otherwise passbook (in addition to comments or passbook(s) out-of major family savings(s) of your sole proprietorship, partnership, otherwise really had limited liability business, if compatible, or 100 % free-lancers) exhibiting facts off providers transactions, and you may backed by proofs out-of team affairs your 90 days hence made a portion of the recurrent revenue. Types of evidences regarding business factors include transformation or provider price(s), invoice(s), and other details or communications(s) confirming paid operate or tactics of one’s Borrower;
- Income tax demand note (as well as taxation consult mention of Borrower’s sole proprietorship, partnership, directly had limited-liability organization, if applicable) to own financial season otherwise otherwise having investigations details.
Sure, you could potentially make an application for the top-up mortgage thanks to Hang Seng Financial when you have taken out and you may effortlessly drawn down the financing underneath the 100% Personal bank loan Make sure Strategy as a result of Hang Seng Financial before
Underemployed, laid-of otherwise cessation off providers (to possess care about-employed Borrower) for around 2 straight days during the time of loan software and will generate proof loss of more 50% head perennial earnings out of work (maybe not applicable so you’re able to business owner) otherwise loss of main recurrent revenues away from a job company for the Hong Kong.
- Financial comments otherwise passbook of one’s Borrower’s fundamental private savings account(s) (and you may main providers performing checking account(s) to possess mind-operating business person) your dos consecutive days issued inside 3 months before the brand new submission regarding loan application exhibiting a loss of more than 50% chief perennial income out of employment inside Hong-kong (perhaps not relevant so you’re able to advertisers) or death of fundamental recurrent earnings off providers for the Hong kong. Take note: Until justified otherwise that have evidences, the lending company membership is similar to which used in order to let you know the three months’ money proof said about loan application setting.