What are the steps to apply for a loan?
申請貸款的步驟如何？
Step 1: Choose your loan product Select a suitable loan product that best fits your financial needs. Step 2: Application and assessment Fill in the application form and submit it together with the required documents. We will evaluate your financial position and assess your repayment ability accordingly. Step 3: Loan approval result Our Loan Specialist will contact you regarding the loan application within 3 working days upon receipt of all required documents. If a loan is approved, we will contact you to proceed phone confirmation process or to visit branch to go through the loan disbursement process. Step 4: Loan disbursement After signing the drawdown letter, we will arrange direct payments to settle your credit card outstanding balances and loans from other financial institutions (only applicable to Card Debt Consolidation Loan) and/or disburse your approved loan amount by cash, check or credit into your designated bank account. Step 5: Repayment To make repayment easier and avoid any charges caused by late repayment, we will help you set up a direct debit authorization; your loan repayments will be debited directly from your designated bank account on a monthly basis.
步驟1: 選擇貸款產品 首先選擇一款符合您需要的貸款產品。步驟2：申請貸款及審批 填妥申請表及遞交所需文件後，我們會根據您所提供的資料，進行財政狀況和還款能力的評估及審批您的申請。 步驟3：批核結果 無論您的貸款申請是否成功，我們的貸款專員都會於收齊所需文件後3個工作天內跟進您的貸款申請。如果申請成功批核，我們會聯絡您進行電話確認程序/或到分行辦理提取貸款手續。 步驟4：提取貸款 簽妥提取貸款確認書後，我們會直接幫您清還信用卡戶口之結欠及其他財務機構所拖欠的款項(只適用於「卡數結餘轉戶」)，及/或以本票形式或將貸款直接存入您指定的銀行戶口。 步驟5：還款 為方便還款及避免逾期還款而引起之任何費用，我們會從您指定之銀行戶口設立自動轉賬服務直接收取每月還款金額作為還款用途。