On the one hundred% Personal bank loan Verify Program
100% Personal bank loan Verify System try protected of the Government towards the somebody who are suffering regarding death of head perennial incomes out-of a position due to the pandemic. You may want to have a look at Hong kong Financial Organization Restricted (“HKMC”)’s website otherwise get in touch with HKMC Insurance policies Minimal (“HKMCI”)’s the reason inquiry hotline in the (852) 2536 0392 for more details.
Hang Seng Bank’s a hundred% Unsecured loan Verify Scheme applies for the established customers whom are keeping a valid Hang Seng Bank private account. The brand new standard Annualised Percentage Rates (“ount is perfectly up to HKD100,000 or nine times of the average month-to-month earnings throughout the work period (any is lower).
- Holder out of Hong kong permanent title cards old 18 otherwise more than; and you can
- Unemployed, laid-off, business stopped otherwise chief recurrent money faster by more fifty% for around 2 successive days in the course of app; and you can
- Really should not be undischarged bankrupts neither subject to any bankruptcy petition or proceedings during application for the loan; and you can
- Take care of valid Hang Seng Lender individual account
Brand new Borrower will provide the following the documentary evidences away from early in the day employment or company inside Hong kong and you will main perennial earnings to own on minimum 3 months in the specified months anywhere between :
- Financial comments or passbook demonstrating the fresh new autopay income listing (age.g. borrowing from the bank purchase which have malfunction out of “salary”, “payroll”, “employer’s identity”) for at least ninety days;
- Wage slides, wage receipts, or any other data (including tax get back otherwise any official files, age.g. cancellation letter, statement out-of last/severance commission indicating the final income and you may chronilogical age of a career in order to this new Borrower, annual statements for 2020 otherwise 2021, otherwise monthly contribution history of the brand new MPF strategy otherwise ORSO system) that is certainly relied on to ensure otherwise conclude the everyday otherwise monthly salary throughout the 90 days (with each other, “wage confirmations”), given because of the newest and you will/otherwise previous company and backed by bank report(s) or passbook exhibiting record from bank import otherwise dumps regarding cheque(s) or dollars. Getting salary repaid by cheques plus the associated salary confirmations are unavailable, a copy of eliminated cheques supported by proof a career matchmaking amongst the Borrower in addition to cheque issuer(s);
- Financial statements otherwise passbook (and additionally comments or passbook(s) away from biggest savings account(s) of your own only proprietorship, commitment, otherwise in person possessed limited liability team, in the event the appropriate, or 100 % free-lancers) exhibiting details off team purchases, and you can backed by evidences away from business activities for the ninety days which made the main recurrent earnings. Samples of proofs regarding team circumstances were conversion or services deal(s), invoice(s), and other suggestions otherwise telecommunications(s) verifying paid jobs otherwise plans of your Borrower;
- Income tax request notice (including taxation request mention of your own Borrower’s best proprietorship, partnership, personally possessed limited-liability company, in the event the applicable) for economic year otherwise or with analysis facts.
Yes, you could potentially apply for the big-up mortgage owing to Hang Seng Bank when you yourself have removed and properly taken on the loan underneath the 100% Consumer loan Be certain that Plan using Hang Seng Bank in earlier times
Underemployed, laid-off otherwise cessation off company (getting self-functioning Borrower) for at least 2 consecutive days at the time of mortgage software and will create proof death of over fifty% head recurrent income away from a position (not appropriate so you can business owner) otherwise death of fundamental perennial profits out of a position business inside the Hong Kong.
- Bank comments otherwise passbook of the Borrower’s main private bank account(s) (and you can fundamental team operating checking account(s) to own mind-employed business person) for your dos straight days issued within 90 days prior to the submission out-of application for the loan indicating a loss of more 50% main recurrent money regarding a career within the Hong kong (perhaps not relevant so you’re able to advertisers) or death of head recurrent earnings away from business in Hong kong. Take note: Unless warranted or even with proofs, the bank account might be similar to which used to help you reveal the three months’ income research mentioned from the application for the loan setting.