Civil Servant/Professionals Personal Loan
Exclusive Low Rates for Civil Servant/Professionals
- Monthly flat rate as low as 0.16%*
- Loan amount up to HK$1,200,000 and repayment tenor up to 72 months#
- No handling fee
- Successfully apply to enjoy up to HK$5,000 supermarket vouchers+
*The respective monthly flat rate and Annualised Percentage Rate ("APR") for loan amount of HK$10,000 is 0.1600%/3.58% (12 months), 0.1547%/3.58% (24 months), 0.1536%/3.58% (36 months). 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.
#Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.
+Only applicable to customers who do not hold any Personal Loan account offered by Public Finance Limited (the “Company”) at the time of application. Customers who have successfully applied and drawn down the Civil Servant and Professionals Personal Loan directly through our branches, application hotline, PFL eLoan App or Internet are eligible for supermarket voucher valued up to HK$5,000. The amount of the supermarket voucher depends on the loan amount. The Company reserves the right to terminate or amend the promotion without prior notice.
Civil Servant and Professionals include but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector and Hospital Authority. Public Finance Limited reserves the final right of interpretation on the definition of professionals.
Public Finance Civil Servant and Professionals Personal Loan is only applicable to customers who meet the company's established credit conditions. This promotional program is subject to Terms and Conditions. For details, 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 normal 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 72 months respectively. Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.
2. The Annualised Percentage Rate (“APR”) ranged from 3.58% 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
- Monthly Flat Rate: 0.2%
- APR: 4.49%
- Repayment Period: 12 months
- Handling Fee: HK$0
- Monthly Instalment: HK$1,024
- Total Repayment: HK$12,288
- Total Interest Expense: HK$288
