服務優點




    服務優點



  • •HCL 易提款為一間守法正規的物業信貸公司,貸款手續清淅及透明
  • •貸款文件絕無任何隱藏條款, 可以睇清楚先簽
  • •貸款批核結果以短訊即時通知客戶,方便又有私隱
  • •批核進度可於網上即時查詢
  • •借款人可以選擇「淨供息」或「本息清還」方案,令供款更有預算
  • •所有貸款毋須支付任何手續費
  • •貸款利息以單息逐日計算,提早還款毋須任何罰息,簡單、清楚、易明
  • •貸款可循環再借, 亦可隨時清還
  • •特設樓花按揭服務, 提供較銀行為高之按揭成數,令流動資金更充裕, 供款更輕鬆

    Hass Capital Limited (“HCL”), which was founded in 2015, is a Hong Kong registrar company financial services. With experience in consumer financing, to offer you the unparalleled convenience, top-notch services and the right solutions. With target on the general customers as well as the small to medium business sectors, to the market of loan business in Hong Kong.

     

    Mission

    Hass Capital Limited aims to lead by offering exciting propositions focused on core consumer needs in the areas of financial management.

     

    Vision

    To establish Hass Capital Limited as a brilliant integrated financial institution through establishing trustful financial partner relationship by understanding, caring and supporting the financial needs of all customers.

     

    HCL with a ‘Customer First’ business model, is committed to providing best caring personal loan service for our customers. By understanding your personal loan needs from your perspective, HCL continues to stay ahead of the market to develop and tailor-made the most innovative loan services to fulfill any financial needs. Sometimes you need a little extra cash. Where do you turn? Some people use credit cards, but high-interest rates and a temptation to spend more and grow your balance means credit cards may not be the best choice. If this situation sounds familiar, you may want to consider a personal loan. If you are in the market for a personal loan, make sure you only borrow what you need and have the ability to pay back any funds you borrow. Also plan to pay off the loan early, if you can afford to, as that will save you money over the life of the loan.

     

    Your next big choice is going to be where to get your personal loan. But before you do that, let's take a glance at what criteria you need to consider to get the best personal loan possible. First, check the interest rate —  it's how much you pay to borrow and interest rates vary with your credit score and market interest rate conditions. A lower rate is better. Next is fees: Some lenders charge origination and other fees. Always do your best to avoid fees when possible. If you can find a loan with no origination fee, that’s your best personal loan option. One other thing to consider is prepayment penalty: Some loans charge a fee if you pay the loan back early. This is a bad thing! You should never sign up for a personal loan with a prepayment penalty.

     

    Need some help finding out who you can turn to so you don't end up down the river? We're here for you. We rounded up the most trusted and reputable personal loan companies, so you can count on getting the best rate and deal possible.

     

    Favourable

    Preferential interest rate

     

    Convenient

    Handy to apply anytime and anywhere

     

    Lawful

    No early prepayment fees and hidden cost

    A SUPERIOR LENDING EXPERIENCE

    • Instant feedback during office hours
    • Simply login and apply for early redemption
    • No hidden extra charges
    • Suitable loan amounts at competitive rates
    • No handling fees nor early repayment penalty

     

    we are committed to finding innovative ways to utilize financial resources to greatly improve the lending experience. Our professional team constantly seeks to create new solutions to better meet the financing needs of individuals and businesses today, while lowering costs and providing access to new avenues for wealth creation.

     

    The annual percentage rate ranges from 3.8% to 48%. Interest rate on loans is subject to the credit history of each applicant. The repayment period for loans ranges from 6 to 60 months. For example, in the case of an HK $50,000 loan with annual percentage rate of 3.8% and 12-month repayment period, the monthly loan repayment amount would be HK $4,253 and the total repayment amount would be HK$51,036.

     

    Prevent fraudulent use of your personal data

     

    Privacy

    Notice to Customers Relating to the Personal Data (Privacy) Ordinance (the “Ordinance”)This Notice provides information regarding the policies and practices of the Company in relation to personal and other data of the Company’s customers.

     

    Definitions used in this Notice:

    account data” means any data generated by the Company in the course of operating the accounts of a Customer and as it is defined in the Code;

     

    Code” means the Code of Practice on Consumer Credit Data issued by the Office of Privacy Commissioner for Personal Data;

     

    CRA” means a credit reference agency or similar service providers;

     

    Customers” means customers of the Company;

     

    Data” means personal data and account data;

     

    Group Company” means the Company or any other member of the group of companies of which the Company is a member;

     

    personal data” shall have the meaning given to it in the Ordinance but shall include any data relating directly or indirectly to a Customer from which the identity of the Customer can be ascertained and in a form in which access to or processing of the data is practicable;

     

    Services and Facilities” means services and credit facilities provided by the Company and other Group Companies in the course of their businesses.

     

    From time to time, it is necessary for Customers to provide the Company with their personal data to make use of Services and Facilities. Personal data are also collected from Customers in the ordinary course of the financial and business relationship with the Company.

     

    The purposes for which Data about Customers may be used by the Company are divided into obligatory purposes and voluntary purposes. If Data are provided for an obligatory purpose, the relevant Customer MUST provide his/her Data to the Company if he/she wants the Company to provide the Services and Facilities. A failure to supply such Data may result in the Company being unable to provide relevant Services and Facilities.

     

    Where the Data are only to be used for a voluntary purpose, the relevant Customer can tell the Company not to use this/her Data for that purpose and the Company will not do so.

     

    The purposes for which it is obligatory for Customers to provide their Data are as follows:

     

    The daily operation of Services and Facilities including but not limited to giving effect to instructions in relation to specific transactions or otherwise.

     

    Deciding whether or not to provide credit to Customers.

     

    Conducting credit checks (including without limitation upon an application for consumer credit and upon periodic review of the credit).

     

    Creating and maintaining the Company’s credit and risk related models.

     

    Assisting other financial institutions to conduct credit checks and collect debts.

     

    Ensuring ongoing credit worthiness of Customers.

     

    Designing financial services or related products for Customers’ use.

     

    Determining the amount of indebtedness owed to or by Customers.

     

    Enforcing obligations of Customers, including but not limited to collecting amounts outstanding from customers.

     

    Complying with obligations, requirements, recommendations, instructions or arrangements for disclosing and using data that apply to the Company or any Group

     

    Company or with which it or a Group Company is expected to comply pursuant to:

     

    any present or future law binding on or applying to it within or outside Hong Kong;

    any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently or in the future;

     

    any present or future contractual or other commitment entered into with local or foreign legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers that is assumed by or imposed on the Company or any other Group Company by reason of its financial, commercial, business or other interests or activities in or related to the jurisdiction of the relevant local or foreign legal, regulatory, governmental, tax, law enforcement or other authority, or self-regulatory or industry bodies or associations.

     

    Complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information with other Group Companies and/or any other use of data and information in accordance with any group-wide programs for compliance with sanctions or prevention or detection of crime, money-laundering, terrorist financing or other unlawful activities.

     

    Enabling an actual or proposed assignee of the Company (including without limitation any person with whom it is proposed the Company will merge or to whom the Company proposes to dispose of all or any part of its business), or participant or sub-participant of the Company’s rights in respect of the Customers to evaluate the transaction intended to be the subject of the assignment, merger, disposal, participation or sub-participation.

     

    Purposes directly relating to the purposes listed above.

    The Company may carry out “matching procedures” (as such expression is defined under the Ordinance) in respect of all or any of such purposes.

     

    The Company wishes to use Data for direct marketing in the manner provided in this paragraph – the Company’s use of Data for direct marketing is a voluntary purpose only. The Company must obtain the Customer’s written consent (which can include an indication of no objection) if it is to use Data for this purpose. The Company may not use the Data for direct marketing unless it has received written consent from Customers.

     

    In this connection:

     

    the name, contact details (such as phone number, email address or home address) of a Customer held by the Company from time to time may be used by the Company for direct marketing;

     

    any Services and Facilities may be marketed;

    in addition to marketing Services and Facilities, the Company wishes to provide the data described in paragraph 5(i) above to other Group Companies for use by them in marketing the same or similar services, products and subjects, and the Company must obtain the written consent of Customers (which includes an indication of no objection) for that purpose – written consent can be given in the Request Form (as defined below);

     

    the Company may provide the data described in paragraph 5(i) above to other Group Companies for gain and, when requesting the Customer’s consent or non-objection as described in paragraph 5(iii) above, the Company will inform such Customer if it will so provide such data to the other persons for gain; and

    the Company, other Group Companies and other persons listed in paragraph 5(iii) above may also, from time to time, engage third parties to provide marketing services on their behalf, and may share data described in paragraph 5(i) above with these third parties for such purposes.

    To indicate consent / no consent to the use / provision of his/her personal data for direct marketing, a Customer must fill out an "Opt-out Request – Use/Provision of Personal Data in Direct Marketing" attached to this Notice ("Request Form").

     

    If a Customer does not want the Company to use his/her data or provide his/her data to other persons for use in direct marketing as described above and also wants the Company to advise those other persons to stop using his/her data for direct marketing, he/she may say so in the Request Form or notify the Company of the same at any other time.

     

    Failure to complete a Request Form may mean that the Company and other Group Companies will use personal data for direct marketing and that the Company may transfer personal data for gain to other Group Companies or for their direct marketing purposes.

     

    Data held by the Company relating to a Customer will be kept confidential but the Company may provide such information to the following parties (whether within or outside the Hong Kong Special Administrative Region) for the purposes set out in paragraph4:

     

    Any person to whom the Company or any other Group Company is under an obligation or is otherwise required to make disclosure under the requirements of any law, rule, regulation or court order binding on or applying to the Company or such Group Company or any disclosure under and for the purposes of any guidelines or guidance given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities or self-regulatory or industry bodies, or associations or financial service providers with which the Company or any Group Company is expected to comply, or any disclosure pursuant to any contractual obligation, including but not limited to the Hong Kong Monetary Authority, the Securities and Futures Commission, the Hong Kong Police, the Independent Commission Against Corruption and the Office of the Commissioner for Personal

     

    Data Privacy.

    The person to whom requests for access to data or correction of data or for information regarding policies and practices and kinds of data held are to be addressed is as follows:

     

    Data Protection Officer

    Address: Unit A, 3/F, Kingswell Comm. Tower, 171 Lockhart Street,

    Wanchai, Hong Kong

    hotline: 37582870

    facsimile : 37912617

     

    Nothing in this Notice shall limit the rights of Customers under the Ordinance.

    Should there be any inconsistencies between the English and Chinese versions, the English version shall prevail.

     

    Personal Loan FAQ

     

    How can I change my personal details?

    • If you want to update your personal details, please inform us.


    Why was my loan application rejected?

    ·  We assess your credit score using a system co-developed with the leading Hong Kong credit agency: TransUnion.

    How does the application and verification process work?

    The four steps in the process are application, verification, approval, and disbursement.

    Details are as follows:

    1. Fill out the application form.
    2. Provide the following documents: HKID, Disbursement account proof, Current residential address proof and Income proof from the last three months.
    3. You will receive your confirmation for disbursement.
    4. Upon your confirmation, the approved loan amount will be instantly disbursed into your designated bank account.

    How can I examine my repayment record?

    • All loan and repayment information are available upon requested.


    How can I amend a loan application I have already submitted?

    • If you find yourself in this situation, please call us at 37582870.


    How much can I borrow?

    • We offer loans of up to 30 times your monthly salary depending on your specific financial situation.


    Am I able to apply for a loan if I have previously declared bankruptcy?

    • We examine each applicant’s financial position and credit history on a case-by-case basis. As a bankruptcy record will affect your credit history, please contact us to speak about cases of this nature.

    When will the loan amount be deposited into my account?

    • We understand that your loan is important to you, so we will work hard to disburse each loan on the same business day the application is received in full.

    Will I be charged any handling fee when I redeem my loan?

    • We proud to not charge any handling fees for loan redemption. Apart from any late charges or legal fees incurred due to a late payment, borrowers only need to settle the principal and interest outstanding until the redemption date.

    Can I redeem my loan early?

    • Yes. Also, if you pay off your loan early, no additional fees will be charged.

     

    • Banks typically charge all remaining interest if you redeem a loan early. We think that policy is too hard on borrowers, and don’t believe that you should be penalized for redeeming your loan early. Thus, with a loan, when you redeem your loan early, you will only be charged the interest that you have incurred up to that point.

    What if I have difficulties making a loan repayment?

    • If you have difficulties making a repayment, please contact our Solution Specialists at 37582870.


    What happens if I make a payment after the due date?

    If you miss a payment, our Solution Specialists will contact you to receive the latest information regarding your loan.

     

    If we do not receive any response or payment from you continuously, we will instruct our solicitor’s firm to commence legal action. All legal fees shall be borne by you.

     

    Defaulting on a loan will adversely affect your credit history. If you are undergoing any financial difficulty, please feel free to contact us about your financial situation.

     

    Property Owner's Loan FAQ

     

    What is a Property Owner's Loan?

    It is a personal loan plan with a larger loan amount for landlords under the Home Ownership Scheme and Tenants Purchase Scheme with premium unpaid.

    What are the differences between a Property Owner's Loan and a general personal loan?

    The loan amount of Property Owner’s Loan is larger and its approval is not limited by salary or income proof of the applicant. Moreover, the repayment period is more flexible, and interest rate are better

    What documents are required to apply for a Property Owner's Loan?

    To apply for a Property Owner’s Loan, please provide the following:

     

    1. Hong Kong identity card

    2. Within 2 months residential address proof

    3. Latest 2 months income proof (Personal or commercial bank records / Salary proof from employer / Tax demand note)

    4. Proof of employment (Employment agreement or contract / Employee ID / Letter of appointment / Latest 2 months payroll slip)

    5. Mortgage instalment record and balance record concerned

    Is a lawyer needed to process a Property Owner's Loan?

    No, a lawyer is not needed to process a Property Owner’s Loan. Also, the customer is not required to provide any security or a Title Deed.

    How long can the repayment period for a Property Owner's Loan?

    We can provide flexible repayment options that are as short as 1 month to 240 months, you may decide on the repayment period according to your repayment ability.

    What is the loan amount that I can apply for if I am a landlord under the Home Ownership Scheme and Tenants Purchase Scheme with premium unpaid?

    We aim to offer you the best Property Owner’s loan plan. Therefore, the actual loan amounts will depend on your particular case. We’ll always do our best to fulfill your needs and meet your expectations.

    If my property is jointly owned, can I apply for a loan?

    Yes, we accept loan applications from property owners of jointly owned properties. Apply now

    Can I sell my property during loan process?

    Yes, customers can sell their property at any time during loan process. The owner will need to inform us in advance after an agreement has been made between the owner and the buyer. We may set the cut-off date as the closing date so that the customer can repay the loan in full on the same day.

     

    Mortgage FAQ

     

    What is a Second Mortgage?

    When the owner of property needs a loan, he/she can use his/her property with outstanding mortgage to apply for another property loan, which is known as a “second mortgage”. The borrower may obtain further finance under the same property while the terms under the first mortgage remains the same.

    How do I apply for a Mortgage Loan? What documents are required to apply for Mortgage Loan?

    Please provide the following documents to get your first and second mortgages :

    1. Hong Kong identity card

    2. Latest 2 months residential address proof (Latest bank statement or utility with your name)

    3. Latest 2 months income proof (Personal or commercial bank records / Salary proof from employer / Tax demand note)

    4. Proof of employment (Employment agreement or contract / Employee ID / Letter of appointment / Latest 2 months payroll slip)

    5. Payment proof for mortgage and rent arrears or provisional agreement for sales and purchase / Agreement for sales and purchase (only applicable to new buyers of property)

    Are all loan procedures handled by a lawyer?

    Yes, to ensure the quality in our mortgage services, our lawyers to handle your mortgage to offer you a peace of mind

    How long can the repayment period last up to?

    We can provide flexible repayment options that are as short as 1 month to 300 months, you may decide on the repayment period according to your repayment ability.

    What are the mortgage rates?

    We offer best mortgage loan interest rates to help meet your finance needs. The actual interest rate will depend on your particular case. You may contact our customer services hotline at 37582870 if you require further information

    Can I sell my property during mortgage process?

    Yes, customers can sell their property at any time during loan process. The owner will need to inform us in advance after an agreement has been made between the owner and the buyer. We may set the cut-off date as the closing date so that the customer can repay the loan in full on the same day.

    If my property is jointly owned, can I apply for a loan?

    Yes, we accept loan applications from property owners of jointly owned properties.

    Can a Village, Small House, or Old House(Tong Lau) owner apply for a Mortgage Loan?

    Yes, we accept applications regardless of property age and type in Hong Kong, including private homes, tenement buildings, shops, commercial, industrial properties, and parking spaces. Depending on the situation, we will analyze and consider from many aspects of your property. You may contact our Customer Services Hotline at 37582870 if you require further information.

    Could a company-owned property eligible for a loan?

    Yes, we will evaluate your situation and provide a financial analysis service. You may contact our customer services hotline at 37582870 if you require further information.

    What is a Transfer Mortgage?

    A Transfer Mortgage is transferring your current mortgage to another lender.

    What documents are required to apply for a Transfer Mortgage?

    Please provide the following documents :

    1. Hong Kong Identity Card

    2. Latest 2 months Residential Address Proof

    3. Latest 2 months Bank Account Records (Personal/Commercial)

    4. Latest 2 months Income Proof (eg. Bank Statement/Proof of Employment Letter)

    5. Only your latest repayment records are required.

    6. Payment Proof for mortgage and Rent arrears.

     

    LEGAL

    Important Notice

    The company hereinafter referred to as the “Our Company”. In view of “Our Company” recently received to suspect that forged our staff to speed sales promotion, and financial intermediary companies overcharging matters to customers, “Our Company” hereby make the following statement:

     

    Our Company” and “Our Company” staff will strictly abide by Hong Kong laws (including but not limited to the Money Lenders Ordinance and the Privacy Policy); and

     

    Our Company” and “Our Company” staff will not be charged any extra fees other than Loan Agreement.

     

    Our Company” hereby appeal to customers such as the identity of the caller doubt, customers can request their name and contact telephone number, and call the “Our Company” hotline 37582870 to verify the identity of the caller and notify the police immediately.

     

    Any person who is found “Our Company” made on behalf of any fraud, “Our Company” must take legal action and the right to pursue all legal liability reserves.

     

    Money Lenders Ordinance

     

    The provisions of the Money Lenders Ordinance summarized below are important for the protection of all the parties to a loan agreement, and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.

     

    Summary of Part III of the Ordinance-Money lenders transactions 

    Section 18 sets out the requirements relating to loans made by a money lender. Every agreement for a loan must be put into writing and signed by the borrower within 7 days of making the agreement and before the money is lent. A copy of the signed note of the agreement must be given to the borrower, with a copy of this summary, at the time of signing. The signed note must contain full details of the loan, including the terms of repayment, the form of security and the rate of interest. An agreement which does not comply with the requirements will be unenforceable, except where a court is satisfied that it would be unjust not to enforce it.

    Section 19 provides that a money lender must, if requested in writing and on payment of the prescribed fee for expenses, give the original and a copy of a written statement of a borrower’s current position under a loan agreement, including how much has been paid, how much is due or will be due, and the rate of interest. The borrower must endorse on the copy of the statement words to the effect that he has received the original of the written statement and return the copy as so endorsed to the money lender. The money lender must retain the copy of the statement so returned during the continuance of the agreement to which that statement relates. The money lender must also, upon a request in writing, supply a copy of any document relating to the loan or security. But a request cannot be made more than once per month. Interest is not payable for so long as the money lender, without good reason, fails to comply with any request mentioned in this paragraph.

    Section 20 provides that the surety, unless he is also the borrower, must within 7 days of making the agreement be given a copy of the signed note of the agreement, a copy of the security instrument (if any) and a statement with details of the total amount payable. The money lender must also give the surety, upon request in writing at any time (but not more than once per month) a signed statement showing details of the total sum paid and remaining to be paid. The security is not enforceable for so long as the money lender, without good reason, fails to comply.

    Section 21 provides that a borrower may at any time, on giving written notice, repay a loan together with interest to the date of repayment, and no higher rate of interest may be charged for early repayment.

     

    This provision, however, will not apply where the money lender is recognized, or is a member of an association recognized, by the Financial Secretary by notice in the Gazette in force under section 33A(4) of the Ordinance.

     

    Section 22 states that a loan agreement is illegal if it provides for the payment of compound interest, or provides that a loan may not be repaid by instalments. A loan agreement is also illegal if it charges a higher rate of interest on amounts due but not paid, although it may provide for charging simple interest on that part of the principal and interest outstanding at a rate not exceeding the rate payable apart from any default. The illegal agreement may, however, be declared legal in whole or in part by a court if the court is satisfied that it would be unjust if the agreement were illegal because it did not comply with this section.

     

    Section 23 declares that a loan agreement with a money lender and any security given for the loan will not be enforceable if the money lender was unlicensed at the time of making the agreement or taking the security. The loan agreement or security may, however, be declared enforceable in whole or in part by a court if the court is satisfied that it would be unjust if the agreement or security were unenforceable by virtue of this section.

    Summary of Part IV of the Ordinance-Excessive interest rates 

    Section 24 fixes the maximum effective rate of interest on any loan at 60% per annum (the “effective rate” is to be calculated in accordance with the Second Schedule to the Ordinance). A loan agreement providing for a higher effective rate will be unenforceable and the lender will be liable to prosecution. This maximum rate may be changed by the Legislative Council but not so as to affect existing agreements. The section does not apply to any loan made to a company which has a paid up share capital of not less than $1000000 or, in respect of any such loan, to any person who makes that loan.

     

    Section 25 provides that where court proceedings are taken to enforce a loan agreement or security for a loan or where a borrower or surety himself applies to a court for relief, the court may look at the terms of the agreement to see whether the terms are grossly unfair or exorbitant (an effective rate of interest exceeding 48% per annum or such other rate as is fixed by the Legislative Council, may be presumed, on that ground alone, to be exorbitant), and, taking into account all the circumstances, it may alter the terms of the agreement in such a manner as to be fair to all parties. The section does not apply to any loan made to a company which has a paid up share capital of not less than $1000000 or, in respect of any such loan, to any person who makes that loan.

     

    Terms and Conditions

    Website visitors should note that the information contained in these pages is not updated instantly. Whilst (the ‘Company’) has made its best endeavors to ensure that the information contained in these pages is accurate and reliable, the Company makes no representation as to its accuracy or reliability and expressly disclaims any legal liability whatsoever for any loss howsoever arising from any inaccuracy or incompleteness of such information.

     

    The products and services set out in these pages are only intended to be provided to persons in those jurisdictions where the Company can lawfully provide the same.  Nothing in these pages should be regarded as an offer or solicitation to sell the products or services to persons in any jurisdiction in which it would be unlawful for the Company to make such offer or solicitation.  Any person intending to access these pages should ensure that they are fully aware of all applicable legal requirements under the laws and regulations affecting them.  The information contained in these pages is provided for reference only and is not and should not be treated as professional advice.  It is strongly recommended that specific advice should be sought where the circumstances require.

     

    To the extent permitted by applicable laws, the Company disclaims liability for any error, omissions or inaccuracies in the information and material provided on this website and for any loss or damages incidental or consequential, resulting from its use or inability to use by any party, or in connection with any error, interruption, delay in operation or incomplete transmission, line or system failure.

     

    The information in these pages does not constitute any representations, warranties or obligations binding on the Company, which shall have absolute discretion to withdraw, vary, amend or supplement the services and products at any time.  By using this website, the visitor agrees to be bound by the content of this disclaimer as it may be amended by the Company from time to time and posted on this website.

     


     


     


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