Please check if you meet the lender's eligibility criteria. It varies by lenders but in general you be a Hong Kong permanent resident aged 18 or above with a minimum monthly income of around HK$5,000.
Make sure all your application documentation is in order. A typical personal loan application in Hong Kong would require the following documents:
- Proof of Identity: Generally your Hong Kong Identification (HKID) Card should suffice.
- Proof of Address: Bring along documentary evidence of your residential address (e.g. latest utilities bill, bank statements, tenancy agreement).
- Proof of Income: Bring evidence of your income. Wage earners might want to provide their latest salary slips and mandatory provident fund statements. Freelancers and self-employed individuals might want to produce their personal or company bank passbooks showing regular income over the last 3 to 6 months. The latest Tax Demand Notes are strong support documents for both wage earners and self-employed individuals