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1. Interest Free Personal Loan Promotion
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No interest will be charged during the repayment tenor of the loan.
Annual administrative charge is HK$500*.
For every loan multiple of HK$10,000
and repayment tenor of 12 months, the monthly repayment amount will be
HK$834 (HK$10,000÷12).
You can choose repayment tenors of 12,18 or 24 months.
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Based on the loan amount of HK$10,000 and the repayment tenor of 12 months.
A monthly administrative charge as low as 0.42% (Annualised Percentage Rate
(“APR”) 10%) per month will be levied and deducted up front from the loan proceeds
upon loan
draw down.
The Interest Free Personal Loan is only applicable to customer who meets the terms and conditions of the said promotion, and reference will be made to the customer’s credit record maintained with the Credit Reference Agency at the time of loan application. Public Finance reserves the right to amend the terms and conditions, and final approval of the loan application. For details of the above promotion, please contact our staff at 2848 1888.
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Application Procedures |
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2. Personalised Rating Personal Loan Promotion
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Repay as low as HK$0.6* per day for every loan multiple of HK$10,000.
Interest rate offered is as low as 0.18% p.m. flat* based on your personal financial condition.
Instant approval to fulfill your financial needs.
Save on interest payment when you transfer your credit card balance to the Personalised Rating Personal Loan with Public Finance.
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The APR for interest rate at 0.18% p.m. flat, based on loan amount
of HK$10,000 and inclusive of 1% handling charge, is 5.07% for 2 years loan tenor and 6.01% for 1 year loan tenor.
The personalised rating interest rate is only applicable to customer who meets the terms and conditions of the said promotion, and reference will be made to the customer’s credit record maintained with the Credit Reference Agency at the time of loan application. The final interest rate charged on the loan will be based on the financial condition of each loan applicant. Public Finance reserves the right to set the interest rate, amend the terms and conditions, and final approval of the loan application. For details of the above promotion, please contact our staff at 2848 1888.
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Application Procedures |
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3. Personal Loan Express Promotion
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Monthly flat rate as low as 0.23%*.
Successful loan applicants can enjoy 4% monthly instant interest bonus rebate.
Fully paid customers are eligible to receive instant cash bonus of 1% on loan amount approved, subject to a maximum value of HK$5,000.
Successful loan applicants are eligible to receive supermarket shopping vouchers valued up to HK$2,000 based on the outstanding balance of unsecured credit facilities with other financial institutions settled with the loan proceeds.
Maximum loan amount is HK$500,000.
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The APR for interest rate at 0.23% p.m. flat, with 4% monthly instant interest bonus rebate and inclusive of 1% handling charge, is 5.67% for 3 years loan tenor, 6.00% for 2 years loan tenor, and 6.95% for 1 year loan tenor. The interest rate charged on the loan will be based on the financial condition of the loan applicant, and reference will be made to the credit records maintained with the Credit Reference Agency. Public Finance reserves the right to revise the terms and conditions, loan amount and final approval of the loan application. For details of the promotion, please contact our branch staff or our Phone Application Centre at 2848 1888.
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4. Special Personal Loan Program for Civil Servant
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Monthly flat rate as low as 0.18%*.
Brand new civil servant customers are eligible to receive instant cash bonus of 0.5% on loan amount approved and drawdown.
Successful civil servant loan applicants are eligible to receive supermarket shopping vouchers valued up to HK$2,000^ based on the total outstanding balance of unsecured credit facilities with other financial institutions settled with the loan proceeds drawdown under this promotion.
Maximum loan amount is HK$600,000.
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The APR for interest rate at 0.18% p.m. flat, inclusive of 1% handling charge, is 4.75% for 3 years loan tenor.
Customers can choose to receive supermarket shopping vouchers or equivalent value in cheque.
The Special Personal Loan Program for Civil Servant is only applicable to customer who meets the terms and conditions of the said promotion, and reference will be made to the customer’s credit record maintained with the Credit Reference Agency at the time of loan application. The final interest rate charged on the loan will be based on the financial condition of each loan applicant. Public Finance reserves the right to set the interest rate, amend the terms and conditions, and final approval of the loan application. For details of the above promotion, please contact our staff at 2848 1888.
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Application Procedures |
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5. Customer-Get-Customer Program for Personal Loan
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Customers who refer their friends or relatives to become new customers of our Company will get instant cash bonus.
Instant cash bonus at 1% of the approved loan amount subject to a
maximum cash bonus of HK$1,000 will be given to you or credited
to
your designated bank account upon successful drawdown of the
Personal Loan by the new customer referred by you.
Act now! Participate in our popular “Customer-Get-Customer Program” now.
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Application Procedures |
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6. “Executive Super Cash” Personal Loan
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Personal Loan with low interest rates offered to business executives or
select customers*.
Loan amount up to HK$600,000.
Fast approval and low interest rate to fulfill your financial needs.
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Select customer must fulfill the terms and conditions of this promotion, and reference will be made to the credit record maintained with the Credit Reference Agency.
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Application Procedures |
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7. Personal Loan Promotion Campaign for New Customer
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New customers who successfully draw down Personal Loan under this
promotion are eligible to get supermarket shopping vouchers valued up to HK$3,000.
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Application Procedures |
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8. Personal Loan Promotion Campaign for Professionals
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Professionals with qualification or membership* from a list of recognised
professional body can enjoy the privileged offer from Public Finance.
Interest rate as low as 0.16%# p.m. flat.
Maximum loan amount is HK$600,000.
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Public Finance reserves the right to determine the list of recognised professional
bodies. Loan applicant is required to present relevant certificate or membership card
from recognised professional body at the time of loan application.
The APR of interest rate at 0.16% p.m. flat, inclusive of 1% handling charge, is 5.53%
for 12 months loan tenor.
The interest rate charged on the loan will be based on the financial condition of the loan
applicant, and reference will be made to the credit record maintained with the Credit
Reference Agency. Public Finance reserves the right to adjust the terms and conditions,
loan amount and final approval of the loan application.
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Application Procedures |
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9. Proprietor Personal Loan
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Provides additional cash for small business entity to expand its business,
purchase new equipments or stock and refurbish its premises.
For proprietors or partners of small business entities in operation over 1 year.
Simple application procedures and you can get immediate cash to fulfill your
business needs.
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Application Procedures |
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10. My Cash Revolving Loan Promotion
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Monthly interest rate as low as 0.6%1. Interest will be charged on the outstanding loan balance.
Choose your own monthly repayment amount2.
Customer can withdraw or request top-up loan amount by calling our hotline or visiting any of our branches. The amount withdrawn will be paid into your designated bank account.
No handling fee3 is charged for every withdrawal.
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The APR of interest rate at 0.6% p.m., inclusive 1% handling charge, is 9.97%.
Minimum monthly repayment is 3% of the approved loan limit. If the outstanding balance is lower than 3% of the approved loan limit, the repayment amount will then be the outstanding balance for the month.
1% annual handling charge on loan limit will be charged by Public Finance.
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The interest rate charged and loan limit approved will be based on the financial condition of the loan applicant, and reference will be made to the applicant’s credit records maintained with the Credit Reference Agency. Public Finance reserves the right to revise the terms and conditions, loan amount and final approval of the loan application.
Public Finance reserves the right to terminate or revise the terms and conditions of the above promotion without prior notice. Should any disputes arise, the decision of Public Finance shall be final. Please contact our staff for details of the above promotion.
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11. Tax Bill Personalised Rating Personal Loan Promotion
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Maximum loan amount HK$600,000^.
Monthly interest rate as low as 0.16%* flat.
Loan multiple up to 10 times of monthly salary^.
Waiver of handling charge.
All customers are eligible to get shopping vouchers up to a maximum value of HK$2,000 depending on the amount of loan proceeds utilised to settle or repay the customer’s unsecured credit facilities with other financial institutions.
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Maximum loan amount of HK$600,000 or up to 10 times of monthly salary, whichever is the lower.
The APR for interest rate at 0.16% p.m. flat is 3.58% (1 year).
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The Tax Bill Personalised Rating Personal Loan is applicable to customer who meets the terms and conditions of the said promotion, and reference will be made to the customer’s credit record maintained with the Credit Reference Agency at the time of loan application. The final interest rate charged on the loan will be based on the financial condition of each loan applicant. Public Finance reserves the right to set the interest rate, amend the terms and conditions, and final approval of the loan application. For details of the above promotion, please contact our staff at 2848 1888.
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12. “Lai See” Personal Loan Campaign for Chinese New Year
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Fully paid customers are eligible to receive instant cash bonus of 1% on loan amount approved, subject to a maximum value of HK$6,000#.
Eligible loan customers can receive supermarket shopping vouchers valued up to HK$4,000^.
Monthly interest rate as low as 0.16%* flat.
Maximum loan amount HK$600,000.
Eligible loan customers can enjoy 4% monthly instant interest bonus rebate+.
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The instant cash bonus is only applicable to fully paid customers who have successfully applied for the Personal Loan Express Promotion or Special Personal Loan Program for Civil Servant.
The maximum value of HK$2,000 supermarket shopping vouchers will be given depending on the amount of loan proceeds utilised to settle or repay the customer’s unsecured credit facilities with other financial institutions. An additional maximum value of HK$2,000 supermarket shopping vouchers will be given depending on the loan amount approved under the “Lai See” Personal Loan Campaign for Chinese New Year.
The APR for interest rate at 0.16% p.m. flat, inclusive of 1% handling charge, is 5.53% for 1 year loan tenor.
Applicable to customers who have successfully applied for the Personal Loan Express Promotion.
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The benefits offered and loan amount approved will vary depending on the financial condition of the loan applicant and the personal loan promotion, and reference will be made to the credit record maintained with the Credit Reference Agency. Public Finance reserves the right to revise the terms and conditions, and to approve the loan application. The promotion will be valid until 06 February 2012. For details of the promotion or the benefits offered, please contact our branch staff at 2848 1888.
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Application Procedures
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If you have steady monthly income in Hong Kong, you may apply for our Personal Loan at any one of our branches and get instant cash in just 30 minutes.
Please bring along the following documentation proofs when you apply for a loan :
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Hong Kong Identity Card. |
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Employment and income proof, e.g. employment letter, bank saving passbook or
statement showing salary credits. |
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Residential proof, e.g. water bill or electricity bill. |
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Current year salary tax assessment. |
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If you cannot apply during office hours, Public Finance has selected some strategically located branches and extended the business hours up to 7:00 p.m. (Mon - Fri) and up to 5:30 p.m. (Sat & Sun) to provide greater convenience to you. For more detailed information, please contact our hotline at 2848 1888 or visit our "Branch Network" on the website of Public Finance.
In addition, you may enquire for more details of your loan application or know the results of your loan application through our Phone Application Centre. Just call 2848 1888 from 9:00 a.m. to 10:00 p.m. (Mon - Fri) or from 9:00 a.m. to 5:00 p.m. (Sat). |
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