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Hang Seng Handy Cash Personal Instalment Loan

Always with You!Personal Instalment Loan

From 25 February 2022 to 25 April 2022, apply and draw down Hang Seng Handy Cash Personal Instalment

Loan to enjoy monthly fl at rate as low as 0.08% (Annualized Percentage Rate as low as 1.78%)*,

handling fee waiver (3) and privileged offers:

Up to HKD2,000 Cash Rebate for online or mobile application (2), apply in 3 easy steps

Payroll Customers do not need to submit documents (7) and enjoy up to HKD1,000 Cash Rebate (2)

Loan amount up to HKD3,000,000 or 15 times of your monthly salary (whichever is lower) (4)

Repayment periods up to 60 months(5). During repayment period, you can also apply for a Top-up Loan on your repaid principal amount (6) with no documents required (7)

15

60Month

Apply in 3 Easy Steps

Submit Documents via Mobile

1 Accept the Loan instantly with Same Day Cash

Disbursement (9)

3Check Application Status Anytime(8)

2

Apply now! Hang Seng Personal Banking Mobile App 24-hour Application Hotline 2812 8000

Hang Seng Bank Website Complete and return your application form by mail/ hand to any Hang Seng Bank branch

Up to

Cash Rebate for successful application (2)

HK$3,000HK$3,000Loan

Hang Seng Bank Limited

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Terms and conditions:(1) The promotion period commences on 25 February 2022 and expires on 25 April 2022, both dates inclusive (“the Promotion Period”). The offers are available

to customers who successfully apply for and draw down Hang Seng Handy Cash Personal Instalment Loan within the Promotion Period.(2) (i) During the Promotion Period, customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top-up Loan)

via , Hang Seng Personal e-Banking or Hang Seng Mobile Application and drawn down the loan with a designated drawdown amount and a minimum repayment period of 24 months will be entitled to up to HK$2,000 Cash Rebate. The applicable Cash Rebate for the corresponding drawdown amount is shown as below.

Drawdown Loan Amount Repayment Period Cash Rebate

HK$80,000 – HK$199,999

24 months or above

HK$200

HK$200,000 – HK$499,999 HK$500

HK$500,000 – HK$999,999 HK$1,000

HK$1,000,000 or above HK$2,000

(ii) During the Promotion Period, existing Hang Seng Payroll Service Customers who have successfully applied for Hang Seng Handy Cash Personal Instalment Loan (excluding Top up loan) and drawn down a designated drawdown amount and a minimum repayment period of 24 months will be entitled to up to HK$1,000 Cash Rebate if there are payroll transactions of not less than HK$6,000 each in any two months within the preceding three months as of the month of Cash Rebate in their designated Hang Seng Integrated Account including a sole-named or joint-named Prestige Banking, Preferred Banking, Green Banking or Integrated Account while the payroll amount must be directly credited to the aforesaid designated Hang Seng Integrated Account by the employer through the Payroll Service. The applicable Cash Rebate for the corresponding drawdown amount is shown as below.

Drawdown Loan Amount Repayment Period Cash Rebate

HK$200,000 – HK$499,999

24 months or above

HK$200

HK$500,000 – HK$999,999 HK$500

HK$1,000,000 or above HK$1,000

All the applicable Cash Rebate will be credited to customer’s repayment account by 30 June 2022 without prior notice. Customers must have no record of default or early settlement of their instalment loan before the rebate is credited. If customers settle their instalment loans ahead of schedule after the crediting of the rebate, he/she shall return the rebate in full to Hang Seng Bank Limited (“Hang Seng”) upon settlement of the loan. Each eligible customer could enjoy each offer once only in the Promotion Period.

(3) Handling charge waiver is applicable to designated loan amount and is for reference only. The final payable handling charge is subject to the loan amount and credit assessment result.

(4) The final approved loan amount, which is calculated by way of monthly salary multiple, is subject to change in accordance with the circumstances of individual cases.

(5) Customers can choose for a 6, 12, 18, 24, 30, 36, 42, 48, 54 or 60 months repayment period.(6) Customers may apply for a Top-up Loan on the repaid principal amount if a minimum of one instalment is made, the repaid principal amount is over HK$3,000

and a punctual repayment record is maintained. For the detailed terms and conditions, please refer to the relevant application form.(7) Hang Seng reserves the right to request additional documents from individual applicants on a case-by-case basis.(8) Checking application status anytime is available to Hang Seng Handy Cash Personal Instalment Loan customers (excluding Top-up Loan and Debt Consolidation

Instalment Loan) only. Customers can check the application status via Hang Seng Personal e-Banking. The display of application status is within 45 calendar days from the Application Date, which refers to the application date reflected in the system record of Hang Seng.

(9) Customers can instantly accept the terms and conditions of Hang Seng Handy Cash Personal Instalment Loan via Hang Seng Personal e-Banking (excluding Top-up Loan and Debt Consolidation Instalment Loan). In general, if customer accepts the terms and conditions of Hang Seng Handy Cash Personal Instalment Loan via Personal e-Banking before 3:00pm from Monday to Friday, and if the final approved result matches the preliminary approved result, the approved loan amount will be deposited to customer’s designated Bank Account in Hang Seng on the same working day the soonest, subject to the actual situation from time to time. Instructions received on Saturday, Sunday or Public Holiday will be processed on the next working day. The approval of Hang Seng Handy Cash Personal Instalment Loan is subject to Hang Seng’s final decision.

(10) No person other than the customer and Hang Seng (which includes its successors and assigns) will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these terms and conditions.

(11) These terms and conditions are subject to prevailing regulatory requirements. (12) These terms and conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. (13) Hang Seng reserves the right to terminate the above offers at any time or to vary the same and the related terms and conditions from time to time.(14) In case of any dispute from customers, the decision of Hang Seng shall be final.(15) The English version of these terms and conditions shall prevail whenever there is any discrepancy between the English and Chinese versions.

Remark: * For a loan amount of HK$1,000,000 or above, the annualized percentage rate of 1.78% is calculated based on a monthly flat rate of 0.08% and a 12-month

repayment period, including the full handling charge waiver. The interest rate and the full handling charge waiver are applicable on a case-by-case basis and the final approved interest rate and payable handling charge are subject to the loan amount and credit assessment result. For details, please visit hangseng.com/loan or contact Hang Seng staff for your personalized offers.

• The minimum loan amount is HK$5,000. If customer’s loan application cannot meet our approval requirements, Hang Seng may approve a loan to individual customers on a case-by-case basis but the interest rate and handling charge offered may be adjusted. Customers will be notified of the relevant adjusted interest rate and handling charge upon loan approval. If customer agrees to accept such loan, Hang Seng will credit the loan amount to the designated bank account according to normal procedures.

• All annualized percentage rates are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The annualized percentage rates are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualized rate (if applicable). For loan and offer details, interest rates, handling charges, annualized percentage rates, terms and conditions, please contact Hang Seng staff or refer to the application form. The salary scheme of our representatives (included basic salary and incentive) is based on their performance of various aspects and not only the sales target achieved.

• Customer is advised to pay attention on whether interest expenses would be saved by making early repayment of personal instalment loan. For enquiring the relevant fees and charges of loan account, please call our Personal Loan Service Hotline 2997 3882.

• For the frequently asked questions relating to Personal Instalment Loan (e.g. Important notes of early repayment; the basis of apportionment of principal and interest in the monthly repayment, etc), please refer to our Bank’s website (Personal Banking>Loans>Personal Instalment Loan>FAQ).

To borrow or not to borrow? Borrow only if you can repay!