- All owners of Private Housing, flats under Government Home Ownership Scheme, Government Tenants Purchase Scheme and Sandwich Class Housing Scheme with payment of Land Premium to the Housing Authority, village house with premium paid, any self-occupied or leasing out residential properties are eligible to apply. Applicable to new and old properties.
- No property pledge is required. Applicable to mortgaged property. For joint ownership of property, either owner can apply for the said loan.
- Preferential interest rate and high loan amount.
- No handling fee, valuation fee and legal fee.
The Residential Flat Owner Loan is subject to terms and conditions. For details of the above promotion, please contact our staff at 2848 1888.
If you have steady monthly income in Hong Kong, you may apply for our Personal Loan through our Application Hotline 2848 1888, Online Application , PFL eLoan App.
or bring along the following documentation proofs when you apply at any of our branches
- Hong Kong Identity Card
- Employment / Income proof
- Residential proof
If you cannot apply during office hours, Public Finance has extended the business hours of selected branches to 7:00 p.m. (Mon - Fri) and to 1:00 p.m. (Sat) for your convenience. For details, please visit our "Branch Network".
The above promotions are subject to the Terms and Conditions of the respective promotions. For details, please contact us at 2848 1888 from 9:00 a.m. to 6:15 p.m. (Mon - Fri) or from 9:00 a.m. to 1:00 p.m. (Sat).
Key Facts Statement for Instalment Loan:
1. The minimum and maximum repayment period is 6 months and 84 months respectively. Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.
2. The Annualised Percentage Rate (“APR”) ranged from 3.57% to 36.00%. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. APR is calculated according to the method set out in the Code of Banking Practice.
3. All interest rate examples and information are for reference only. Final approval is subject to the individual circumstances of each personal loan applicant. Example:
- Loan Amount: HK$12,000
- Interest Rate: Monthly Flat Rate of 0.2% (APR of 4.49%)
- Repayment Period: 12 months
- Monthly Instalment: HK$1,024.00 (0% handling fee)
- Total Repayment Amount: HK$12,288.00 (Total Interest Expense: HK$288.00)
