What to prepare for a personal-loan enquiry
What a Hong Kong unsecured personal-loan enquiry needs, what never to send, and how repayment ability shapes the review.
A personal loan does not charge the flat
A personal-loan enquiry is unsecured. Owning a flat does not force you into an owner loan. If you do not want the flat charged, choose personal loan on the form. Do not add an address you hope will be used as security just to improve the chances.
Unsecured does not mean easier approval or a lower rate. When the lender cannot look to a sale of the flat, income stability, existing debt, and a sensible term matter more.
The first step is contact details
The form asks for your name, phone, product, approximate amount, and a short note. The phone has to be one you answer, because staff may call. Do not enter someone else’s number, a one-time code, or a banking password.
Enter an amount you have already tested against your budget, not a figure you hope to sort out after the money arrives. A short note on purpose and term is enough. Do not paste full bank statements unless a later, verified request from the hotline asks for them.
Be straight about income and debt
Hiding other loans, or overstating income, can produce a payment you cannot make, and documents that do not match the facts. A responsible enquiry states the position. A decline is better than a later default.
Self-employed income is often uneven. You can describe the business and a realistic range. The website example does not create a separate self-employed rate. Every rate is confirmed in writing, and APR stays at or below 48%.
Do not treat the example as a quote
HK$20,000, monthly flat rate 0.052%, 12 months, no handling fee, monthly interest HK$10.4, total repayment HK$20,124.8, APR 1.15% is the site example. A different amount or term will not produce HK$124.8 of interest.
Test your own figure: after living costs, the monthly payment still has to fit. If the only way to pay this loan is another loan, do not continue.
You can stop after the enquiry
Submitting the form is not signing. Until you sign the loan document, you can stop. The call is to check details, not to force a decision. If it asks for a fee or a verification code, hang up and dial 3622 2934.
Approval is in writing. A written amount smaller than the one you typed is the result of the review, not a mistake. Borrowing only what you can repay is safer than arguing for the original figure.
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Before you read
Warning: you have to repay your loans. Don’t pay any intermediaries.
China Prestige Capital is a licensed Hong Kong money lender, licence 1848/2025. Enquiry and complaint hotline: 3622 2934. We are not a bank and not an SFC-licensed corporation. We do not take deposits or provide securities or asset-management services.
Under the Money Lenders Ordinance, the APR must not exceed 48%. The HK$20,000 example on this site is illustrative only: monthly flat rate 0.052%, APR 1.15%, 12 months, no handling fee, monthly interest HK$10.4, total repayment HK$20,124.8. Your rate, amount, and term are assessed individually and confirmed in writing.
Sending an enquiry, or reading an article, is not an approval. A second mortgage or owner loan is secured on property. Default may lead to enforcement and sale. Obtain your own legal advice before signing any security document.