Personal Loan

1 Basic Information

2 Applicant's Data

3 Verify Information

4 Declaration of Applicant

5 Completed

For Key Facts Statement (KFS) for Instalment Loan and Overdraft Facility, please click here . For Interest Rate and Monthly Repayment Table, please click here。

1. Applicant must be a Hong Kong permanent resident aged 18 or above, and monthly income not less than HKD10,000.

2. Successful Applicant will be subject to these Conditions of "Easi-Personal Loan" ("these Conditions") attached herein. Terms and expressions as defined herein, unless otherwise specify, shall have the same meanings as used in these Conditions.

3. Applicant is required to complete this application form. If relevant information is not provided, the Bank (including its successors and assigns) may not be able to process your application. Please refer to the Bank’s "Data Policy Notice" and/or such other document(s) issued under whatever name from time to time by the Bank and certain of its related entities relating to their general policies on use, disclosure and transfer of personal data.

4. The Correspondence Address stated below will be deemed to be the principle correspondence address for the Bank to contact the Borrower(s). Please immediately update your existing residential/ correspondence address registered with the Bank by submitting to the Bank a duly completed and signed "Contact Information Amendment Form" in case of any change of residential/correspondence address.

5. Applicant acknowledges and understands the relevant terms and conditions is provided in an electronic form by the Bank where the application is submitted via electronic channel, and applicant can store such information.

Smart Tips: Do I save interest expenses by making early repayment of personal instalment loan?

Please refer to section E of "Explanation and Example of APR, "Rule of 78" and Repayment for Instalment Loans". Please contact our staff if you intend to make an early repayment.

Reminder :

Applicant should have a clear understanding of his/her financial condition, daily expenses, and actual borrowing needs.
Applicant should have assessed his/her repayment ability and avoid over-borrowing.
Applicant should remember to repay the personal loan on time to avoid late payment charges and additional overdue interest charged by the bank.
To borrow or not to borrow, borrow only if you can repay!

Fill in Application Form(in English, unless otherwise specified)

Basic Information

Loan Type

Salutation

Surname (English)

(As shown on Hong Kong Identity Card or Other ID/Passport)

Given Name (English)

Mobile Phone No.

Verification Code

Reset verification code

I have carefully read and fully understood the Privacy Policy Statement and Data Policy Notice, Key Facts Statement (KFS) for Instalment Loan and Overdraft Facility, Terms and Important Notice, "Easi-Personal Loan" Terms and Conditions and agree to be bound by them. I hereby also agree that the loan application and the personal data submitted will be passed to TransUnion Limited ("TU") and agree to give my consent to and authorize TU to access all or part of my consumer credit data which is held in the database of TU from time to time and further, to use such data for purpose of matching any data purported to be given on my behalf in order to verify my identity, to use and or transfer such data or any data arising therefrom to Nanyang Commercial Bank, Limited ("the Bank") for purpose of Identity Manager Solutions which is a solution provided by TU for identity management and related solution and only Traditional Chinese and English can be displayed on the TU ‘s services pages. I further acknowledge and agree that the access and use of my consumer credit data by TU shall not be made the basis for any complaint, claim, suit, demand or cause of action or other proceeding against TU and/or the Bank by me. If I am an existing customer of the Bank, except for the updated information provided in this application, I agree that the Bank shall continue to use my personal information in the records held by the Bank for the purpose of my loan application. I hereby declare that such information is true and up-to-date. I understood the Bank will contact me to follow up by clicking "Next" whether or not a complete loan application has been submitted.

Loan and Repayment Information

Loan Amount Requested (HK$)

Repayment Tenor

Purpose of the Facility

Promotion / Ref. code

(If applicable)

Applicant's Data

Surname (in Chinese)

(As shown on Hong Kong Identity Card or Other ID/Passport)

Given Name (in Chinese)

Document Type

Hong Kong ID Card Other ID/Passport

Nationality(Country / Region)

Date of Birth

Sex

M F

Marital Status

Single Married Divorced/Separated

No. of dependents

Education Level

Residential Address (In English)

(Do not accept P.O. Box)

Home Tel. No.

E-mail Address

Residential Information

Type of Residence

Ownership of Residence

Monthly Rent (HK$)

Monthly Mortgage Payment (HK$)

Outstanding Loan Balance (HK$)

Start Date of Residence

Preferred mailing address

Current Residence Office Other correspondance address(in English)

Present Address

(In English)

Please fill in if different than the residential. No need to fill in if the same.

Occupation Information

Employer's Name

Company Business Nature

Current Position

Self-employed

Yes No

Do you maintain a payroll account at Nangyang Commercial Bank, Limited?

Yes No

Monthly Salary (HK$)

Start Date of Current Employment

Start Date of Current Profession

Office Address (In English)

(Do not accept P.O. Box)

Office Tel. No.

Previous Employer's Name

Previous Position

Start Date of Previous Employment

Credit Reference

Involvement in any legal proceedings in the past?

No Yes(Please explain)

Any mortgage loan provided by Nanyang Commercial Bank, Limited?

No Application Application being in process Application being approved

Branch

Expected Drawdown date

Do you have any Unsecured/Secured Loan Products under other Banks/Financial Institutions? (Including all loan applications in processing)

Yes No

Confirmation of Checklist

Please check the information below carefully.

Basic Information

Loan Type

Salutation

Surname (English)

Given Name (English)

Mobile Phone No.

I have carefully read and fully understood the Privacy Policy Statement and Data Policy Notice, Key Facts Statement (KFS) for Instalment Loan and Overdraft Facility, Terms and Important Notice, "Easi-Personal Loan" Terms and Conditions and agree to be bound by them. I hereby also agree that the loan application and the personal data submitted will be passed to TransUnion Limited ("TU") and agree to give my consent to and authorize TU to access all or part of my consumer credit data which is held in the database of TU from time to time and further, to use such data for purpose of matching any data purported to be given on my behalf in order to verify my identity, to use and or transfer such data or any data arising therefrom to Nanyang Commercial Bank, Limited ("the Bank") for purpose of Identity Manager Solutions which is a solution provided by TU for identity management and related solution and only Traditional Chinese and English can be displayed on the TU ‘s services pages. I further acknowledge and agree that the access and use of my consumer credit data by TU shall not be made the basis for any complaint, claim, suit, demand or cause of action or other proceeding against TU and/or the Bank by me. If I am an existing customer of the Bank, except for the updated information provided in this application, I agree that the Bank shall continue to use my personal information in the records held by the Bank for the purpose of my loan application. I hereby declare that such information is true and up-to-date. I understood the Bank will contact me to follow up by clicking "Next" whether or not a complete loan application has been submitted.

Loan and Repayment Information

Loan Amount Requested (HK$)

Repayment Tenor

Purpose of the Facility

Promotion / Ref. code

Applicant's Data

Surname (in Chinese)

Given Name (in Chinese)

Document Type

Document No.

Nationality(Country / Region)

Date of Birth

Sex

Marital Status

No. of dependents

Education Level

Residential Address

Home Tel. No.

E-mail Address

Residential Information

Type of Residence

Ownership of Residence

Current ResidenceMonthly Rent (HK$)

Current ResidenceMonthly Mortgage Payment (HK$)

Current ResidenceOutstanding Loan Balance (HK$)

Start Date of Residence

Preferred mailing address

Present Address

Occupation Information

Employer's Name

Company Business Nature

Current Position

Self-employed

Do you maintain a payroll account at Nangyang Commercial Bank, Limited?

Monthly Salary (HK$)

Start Date of Current Employment

Start Date of Current Profession

Office Address

Office Tel. No.

Previous Employer's Name

Previous Position

Start Date of Previous Employment

Credit Reference

Involvement in any legal proceedings in the past?

y mortgage loan provided by Nanyang Commercial Bank, Limited?

Do you have any Unsecured/Secured Loan Products under other Banks/Financial Institutions? (Including all loan applications in processing)

Relationship with the relevant person(s) of the bank

Applicable to Borrower(s) / Mortgagor(s) and Guarantor(s)

(i) Are you one of the following persons?
- a. A subsidiary, fellow subsidiary⁺ of Nanyang Commercial Bank, Limited ("NCB"), or other entities over which NCB is able to exert control^@; or
- b. A director / supervisor / chief executive / senior management / chairman of committee / head of department / head of branch / officer approving loan applications / controller^* / minority shareholder controller^# of NCB or of a subsidiary or fellow subsidiary⁺ of NCB, or of other entities over which NCB is able to exert control^@; or
- c. A relative^{^} of any of the persons listed in (b) above; or
- d. Firm, partnership or non-listed company controlled^@ by any of the persons (in case of natural persons) listed in (b) and (c) above; or
- e. Firm, partnership or non-listed company in which NCB or any of its controllers^*, minority shareholder controllers^# or directors or relatives of such controllers^*, minority shareholder controllers^# or directors is interested as director, partner, manager or agent
(ii) Is the Guarantor a controller^*, minority shareholder controllers^# or director of NCB or a relative^{^} of such a controller^*, minority shareholder controllers^# or director?

No, I/we confirm that, at present, there is no such relationship. I/We agree to notify NCB promptly in writing if any such relationship arises.
If you have given an affirmative answer to any of the above questions, please provide details as below.

Relationship	Please tick (√) in the appropriate box(es) and fill out the below details. You may tick (√) more than one box.
Relationship	(i) a	(i) b	(i) c	(i) d	(i) e	(ii)

If the above answer is "Yes", please fill in the followings:

Relevant Person1

Name of the above relevant persons

Company

Department

Position

Name of the Borrower(s) / Mortgagor(s) / Guarantor(s) / Relative Party(ies)

Relationship with the Borrower(s) / Mortgagor(s) / Guarantor(s) set out on the left

I/We confirm that I/we have obtained consent from the individuals listed above for the provision of their information to NCB and its subsidiaries for the purpose of enabling NCB and its subsidiaries to comply with the Banking (Exposure Limits) Rules.

^* Controller, in relation to a company, means, in respect of all the provisions of the Banking Ordinance, any person who is an indirect controller or a majority shareholder controller as defined in section 2(1) of the Banking Ordinance.
- An indirect controller, in relation to a company, means any person in accordance with whose directions or instructions the directors of the company or of another company of which it is a subsidiary are accustomed to act, but does not include a Manager or Advisor, or any person in accordance with whose directions or instructions those directors are accustomed to act by reason only that on advice given by him in his professional capacity.
- A majority shareholder controller, in relation to a company, means any person who, either alone or with any associate or associates, is entitled to exercise, or control the exercise of, more than 50% of the voting power at any general meeting of the company or of another company of which it is a subsidiary.
^# A minority shareholder controller, in relation to a company, means any person who, either alone or with any associate or associates, is entitled to exercise, or control the exercise of, 10% or more, but not more than 50%, of the voting power at any general meeting of the company or of another company of which it is a subsidiary.
⁺ Fellow subsidiary means any entity in which a controller of NCB is able to exert control. The term "control" should be subject to the interpretation as set out below.
^{^} Relative means a) a parent, grandparent or great grandparent; b) a step-parent or adoptive parent; c) a brother or sister; d) the spouse, or his/her parent, step-parent or adoptive parent, brother or sister; e) if the individual is a party to a union of concubinage, the other party of the union; f) a cohabitee; g) a son, step-son or adopted son, daughter, step-daughter or adopted daughter; or h) a grandson, granddaughter, great grandson or great granddaughter.
^@ A firm, partnership or non-listed company (controlled entity) is treated as being controlled by a person if –
- (a) the person owns more than 50% of the voting rights in controlled entity;
- (b) the person has control of a majority of the voting rights in the controlled entity under an agreement with other shareholders (or similar holders of voting rights);
- (c) the person has the right to appoint or remove a majority of the members of the controlled entity’s board of directors (or similar governing body);
- (d) a majority of the members of the controlled entity’s board of directors (or a similar governing body) have been appointed solely as a result of the person exercising his or her voting rights; or
- (e) the person has the power, under a contract or otherwise, to exercise a controlling influence over the management or policies of the controlled entity.

I do not wish　the Bank to use my personal data in direct marketing via the following channel(s) (please use "√" to select the channel(s))

Electronic Channels

Mail

Personal Call

If you return this Form without ticking any of the above boxes, it means that you do not wish to opt-out from any form of the Bank's direct marketing.

To improve and provide more comprehensive services to our customers, the Bank may provide your personal data to other members of the Group* and other persons^ for their use in direct marketing of financial, insurance, credit card, securities, commodities, investment, banking and related services and products and facilities and so forth. Please tick "√" this box if you do not wish the Bank to provide your personal data to the above persons for the above purposes.

*The "Group" means the Bank and its holding companies, branches, subsidiaries, representative offices and affiliates, wherever situated, together with China Cinda (HK) Holdings Company Limited and China Cinda Asset Management Co., Ltd.. Affiliates include the Bank's holding companies and China Cinda (HK) Holdings Company Limited and their respective branches, subsidiaries, representative offices and affiliates that are located in Hong Kong.

The above represents your present choice regarding whether or not to receive direct marketing materials, and the Bank's intended provision of your personal data to other members of the Group* and other persons^ for their use in direct marketing. This replaces any choice communicated by you to the Bank prior to this application. Please note that your above choice applies to the direct marketing of the classes of products, services and/or subjects as set out in the Bank's Data Policy Notice.^Please also refer to the said Notice on the kinds of personal data which may be used in direct marketing and the classes of persons to which your personal data may be provided for them to use in direct marketing.

Declaration of Applicant

I declare that my information is true and complete and hereby authorize Nanyang Commercial Bank, Limited ( "the Bank" ) to contact my employers, financial and credit institution or any other credit or information source for the verification thereof and for the collection of such information as required for the processing and evaluation of this application and, if my application is approved, for the operation of my account.

I further authorize the Bank to disclose any information regarding me and/or this application and/or my account with the Bank confidentially to (i) the Bank's employees, agents and contractors for the purpose of processing and verifying this application; and (ii) any third parties employed by the Bank to provide administrative services in connection with the operation of customer accounts and marketing of account services; and (iii) any financial and credit institution or any other institutions from which credit or information source can be provided.

I agree and understand that the data held by the Bank relating to me may be transferred to other places (including another jurisdiction outside Hong Kong) at any time and from time to time where the Bank deems necessary.

I hereby solemnly and sincerely declare that (i) I have never been adjudged bankrupt, or made the subject of any bankruptcy or similar proceedings, or of any receiving or similar order, whether in Hong Kong or elsewhere; and (ii) I have carefully and conscientiously considered the status of my assets and indebtedness. I have no intention to petition for my own bankruptcy or any similar order, or propose to enter into with my creditors any individual voluntary arrangement or similar arrangement, whether in Hong Kong or elsewhere, nor do I see any reason for so bringing any of the above applications or propositions; and I hereby solemnly and sincerely believe and/or declare that no individual and/or entity shall have any reason and/or intention to petition for or be in a position to petition for my bankruptcy or any similar order or legal proceedings, whether in Hong Kong elsewhere.

I understand that the Bank does not accept any unsecured loan application referred by any intermediary or third party. I hereby confirm that my loan application is not a referral by any intermediary or third party.

I declare that I am currently employed and/or have income and understand that the Bank reserves absolute discretion to require me to provide the related documentary proof of identity and income.

I declare that I am currently not involved in any litigation or legal proceedings and I was not involved in any litigation or legal proceedings in the past.

For the avoidance of doubt, I hereby confirm and agree that I shall be liable to repay the principal and interest and other charges relating to the loan regardless of whether I may or may not be the account holder of the Designated Account.

I understand and agree that the Bank will not send me monthly statement of account upon the approval and acceptance by me of this loan application. As a substitute, the Bank will issue a loan advice listing out the repayment and outstanding loan details. A loan repayment record will be provided by the Bank only upon my personal request (Applicable for Instalment Loan only).

I confirm that this loan or any part thereof is not intended to be used for acquiring/investing in properties and/or refinancing of any existing mortgage.

I agree to accept the Facility granted by the Bank at its absolute discretion, whether such facility is equal to or less than the Facility amount applied for in this application form and to be bound by the Terms and Conditions printed overleaf. I agree and acknowledge that the Bank has the absolute right to accept/reject this application without assigning any reason.

I acknowledge that the approval of this application is subject to the final decision of the Bank and/or the related bodies. I understand the Bank's staff application and approval of the Facility are subject to Part 5 of Banking (Exposure Limits) Rules, and the loan amount is determined by the final decision of the Bank.

I understand that remuneration of the Bank's sales staff may consist of fixed and variable components. The award of variable remuneration correlates in part with the staffs performance in financial and non-financial factors.

I understand that the Bank will consider the credit report from TransUnion Limited and authorize the Bank to check my credit information for the collection of such information for one or more than one time where the Bank deems necessary. I may ask for such information from TransUnion Limited directly.

I understand that by making any intentional or negligent misrepresentation(s) and/or providing false information or omitting to provide relevant information in connection with this application, I may incur civil and/or criminal liability and the Bank may not be able to process my application. I have read the content of this Declaration and agree to the above (in particular, the consent given in Conditions 30(ii) of the "Conditions of "Easi-Personal Loan"").

I acknowledge that I have received, read and understood the contents of the attached Conditions of "Easi-Personal Loan", and/or Terms and Conditions of the promotional offers (if applicable), Data Policy Notice (or such other document(s) issued under whatever name from time to time by the Bank and certain of its related entities relating to their general policies on use, disclosure and transfer of personal data (as the same may be amended from time to time), and all written terms, conditions and remarks, and agree to be bound by them.

Please input at least one of Declaration of Credit Facilities, "Overdraft/Revolving Credit" and/or "Instalment Loan".
	Unsecured Loan	Secured Loan
Overdraft/Revolving Credit Total Outstanding Loan Balance (HK$)	Please input amount	Please input amount
Instalment Loan Total Outstanding Balance (HK$)	Please input amount	Please input amount
Instalment Loan Total Monthly Repayment (HK$)	Please input amount	Please input amount