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    Personal Revolving Loan

    Balance transfer account
    Balance transfer account
    Print
    Application information
    Verify Information
    Acknowledgement
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    Input information

    Please fill out the following loan information.

    Repayment Period (months)
    Add up to 4 account(s)
    Repayment period (months)
    Type of application
    Repayment period (months)
    -

    HK$200 or the sum of items (i) to (iv) below (whichever is higher)
    (i) all fees and charges (including finance charges and annual fees);
    (ii) any overdue Minimum Payment Amount;
    (iii) amount exceeding the designated credit limit after deducting the amount of items (i) and (ii) from the outstanding balance; and
    (iv) 1% of the outstanding balance after deducting the amount of items (i) to (iii).

    View Loan Calculator.

    The annualised percentage rate displayed above is for reference only.
    The actual result that will apply will be based on customer's final loan amount and other factors as assigned and considered by the bank.

    Loan Purpose Loan Purpose other than Balance Transfer

    Please view Monthly Repayment Table

    I hereby request and authorise Hang Seng to transfer the approved loan amount to the following bank account, with first drawdown handling fee waiver, and also understand that the interest will be charged from then onwards.

    Loan withdrawal bank
    Method of operating the Hang Seng Handy Cash Personal Revolving Loan account

    View Interest Rate Table.

    Remark(s)
    1. All Annualised Percentage Rates (“APR”) are calculated using the Net Present Value Method in accordance with the Code of Banking Practice. The above APRs are reference rate which include the basic interest rate and other fees and charges of a product expressed as an annualised rate (if applicable).
    2. (If applicable) By using the promotion code, you agree to be bound by the related terms and conditions as set out by the Bank and acknowledge your loan application with the Bank is not under beneficial arrangement with a third party.
    If you are our existing customer and if you provide a mobile number or residential address that is different from our record, it won’t be updated in our record directly when you submit this application form. We’ll reach out via phone / SMS per our current information for follow up. Moreover, the email address provided, if any, is for this application only and won’t be updated in our record (you can update via Personal e-Banking if needed).
    Title
    Add other
    Education level
    Residential status
    Is your previous residential address located in HK?
    Thanks! Now, fill in your background and employment information.
    Employment status
    Lastly, just a few more questions.
    Preference
    Correspondence address
    Declaration
    Do you possess any unsecured loans offered by other financial institutions (except banks), secured loans (including mortgage and/or overdraft), unsecured loans under application but not yet drawdown (excluding this application)?
    Relationship declaration
    Are you a relative[2] of, or any of the directors / employees[2] / controllers[2] / minority shareholder controllers[2] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
    Are you a director / employee[2] / controller[2] / minority shareholder controller[2] of Hang Seng, its branches, subsidiaries or affiliates in Hong Kong or overseas (e.g. the Hongkong and Shanghai Banking Corporation Limited), or other entities over which Hang Seng is able to exert control?
    You can review and edit your responses before submitting your final application.
    Notice
    Loan information
    Balance transfer details
    Personal information
    Employment details
    Declaration and preference
    Preference
    Declaration
    Unsecured loans offered by other financial institutions (except banks)
    Secured loans (including mortgage and/or overdraft)
    Unsecured loans under application but not yet drawdown (excluding this application)
    Relationship declaration
    Reminders on Responsible Borrowing
    Consent for the Use of Personal Data for New Purposes
    Acknowledgement
    Things to note
    Thank you for your application on Personal Revolving Loan. Please find your application details below. We will process the loan application after we receive the supporting documents.
    Loan information
    Balance transfer details
    Type of application
    Loan amount requested
    Loan amount to be deposited into my account
    Top-up loan amount requested
    Repayment period
    Agree and submit
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    Submit document now Back to home

    I confirm that I have obtained consent from the individuals listed above for the provision of their information to Hang Seng, its branches, subsidiaries and affiliates for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

    I hereby authorise (and authorise on behalf of the above persons) Hang Seng to exchange with Hang Seng’s branches, subsidiaries and affiliates information relating to me / the above persons and the facilities granted to me / the above persons for the purpose of enabling Hang Seng and its affiliates to comply with the Banking (Exposure Limits) Rules.

    Remark(s)
    1. Direct debit/Loan disbursement account must be a Hang Seng Bank single-name account under same name of applicant.
    2. You may request from Hang Seng the definitions of these terms and a list of the abovementioned entities.

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Here is a summary of your application. Please review carefully before you proceed. You can click "Back" to edit your information.

    HK$200 or the sum of items (i) to (iv) below (whichever is higher)

    (i) all fees and charges (including finance charges and annual fees);

    (ii) any overdue Minimum Payment Amount;

    (iii) amount exceeding the designated credit limit after deducting the amount of items (i) and (ii) from the outstanding balance; and

    (iv) 1% of the outstanding balance after deducting the amount of items (i) to (iii).

    The annualised percentage rate displayed above is for reference only.
    The actual result that will apply will be based on customer's final loan amount and other factors as assigned and considered by the bank.
    1. Understand your own financial conditions, daily expenses and actual borrowing needs.
    2. Assess your own repayment ability and avoid over-borrowing.
    3. Repay your loan on time to avoid late payment charges and additional overdue interest.
    4. To borrow or not to borrow, borrow only if you can repay!

    View the Key Fact Statement for the relevant fees and charges if you wish.

    By pressing the Agree and submit button below, I/we agree that Hang Seng Bank Limited (“the Bank”) may use and disclose all personal data about me/us that the Bank currently or subsequently hold for the purposes as set out in the Privacy Notice which accompanies this application form (“Notice”). *

    *Note

    For customers who have a relationship with Hang Seng before 16 June 2014:

     

    The Notice include new purposes relating to Hang Seng's provision of services to you and enable Hang Seng to use your personal data in order that Hang Seng comply with the following current or future obligations, commitments or arrangements of Hang Seng or the HSBC Group: 

    (i) obligations according to laws, regulations, judgments or court orders (both within and outside Hong Kong) including those that relate to money laundering, terrorist financing, bribery, corruption, tax evasion, fraud or sanctions (collectively referred to herein as "Unlawful Activities"); 

    (ii) obligations according to guidelines, guidance or codes issued by local or foreign bodies or authorities (whether governmental, tax, law enforcement, regulatory, judicial, industry or others), or international guidance or internal policies and procedures, including those that relate to Unlawful Activities; 

    (iii) requests from local or foreign bodies or authorities; 

    (iv) commitments undertaken by Hang Seng or the HSBC Group with local or foreign bodies or authorities; 

    (v) obligations according to agreement or treaty between local or foreign bodies or authorities; and 

    (vi) obligations according to the HSBC Group's internal policies and procedures for use and sharing of data and information. The above may result in transfer of your personal data outside of Hong Kong. Please read the Notice which shows in full the purposes for which your personal data may be used and the classes of persons to whom your personal data may be transferred.

     

    In case of queries, please contact Customer Service Hotline at 2998 9878.

    (1) the details as specified in the above summary of application details and that I have assessed my responsibility on the above Reminders on Responsible Borrowing.

    (2) the Declaration.

    (3) that with my consent or indication of no objection, the Bank may use my personal data and provide the data to other members of the Hang Seng Bank Group to keep myself updated of the latest promotion and offer in accordance with the "Direct Marketing" section of the Notice . I understand that under the Personal Data (Privacy) Ordinance I have the right to request, on a no charge basis, the Bank to cease to use my personal data for directing marketing purpose via any communication channels or not provide my personal data to any other members of the Hang Seng Bank Group for their use for promotion purpose. I acknowledge that if I have already indicated my choices to the Bank of whether or not to receive promotion and offer, the Bank will act on my existing choices. I also understand that if I do not wish the Bank to use (or continue to use) my personal data or provide (or continue to provide) my personal data to other members of the Hang Seng Bank Group for direct marketing purpose, I should follow Remark [1] below and indicate my objection by exercising my opt-out right before proceeding with this application.

    Remark(s)

    1. Customers can submit the opt-out request by the following channels
      (i) Contact any Hang Seng Bank branch
      (ii) Call our Customer Service Hotline 2822 0228 
      (iii) “Direct Marketing Consent (Not Applicable to Private Banking services)” in Desktop site of Hang Seng Bank e-Banking (Click the left side menu -> Customer Services -> Account Maintenance -> Personal Particulars)

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000

    Other point(s) to note

    1. Hang Seng Bank Limited ("Hang Seng") reserves the right of the final approval of the Loan application and the loan terms.
    2. If the permanent residential address is different from residential address, please enclose the permanent address proof.
    3. Hang Seng reserves the right to request for additional information or documents of the applicant. The documents can be submitted online via hangseng.com/loan or Hang Seng Personal Banking Mobile App, or return to any Hang Seng branch (please mark the HKID card number on the copy of documents). All documents are not returnable.
    4. You must hold a valid Hang Seng personal bank account for direct debit/loan disbursement. Please visit our branch to open an account in order to make arrangements on loan drawdown if you do not have the account. 
    5. For any enquiries about the application, please call our Customer Service Hotline 2997 3882 during office hours. Office hours: Mon to Fri: 09:00-18:00; Sat: 09:00-13:00 (except public holidays). Monday to Friday: 9am to 6pm; Saturday: 9am to 1pm (except public holidays).

    System message

    We are sorry that we cannot proceed with your application due to an error in the information you submitted.

    Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.

    An error occurred

    We are sorry that the system is unavailable at this moment.

    Please try again later or call our 24-hour Customer Service Hotline 2812 8000 to facilitate your application.

    Need more help?

    Call our 24-hour hotline

    (852) 2812 8000