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i-Money Internet Personal Loan
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Case 1
Case 2

Tom is a shop supervisor of a renowned retailing group for luxury watch and jewellery, with around HK$40,000 monthly income (including commission). According to the recent good business of the shop, Tom felt that the economy would flourish and that provided a good investment opportunity. For that, he needed a capital of HK$100,000 but it was hard for him to go to financial institutions to apply loan due to the long working hours.

 

Till a night at home, Tom has found a promotion of UA i-Money Internet Personal Loan while surfing the internet and knew that the loan application procedures can be completed through internet. It doesn’t need any face-to-face contact and cash will be transferred to the designated account upon approval. Then, he applied loan online immediately and a loan amount of HK$100,000 had been transferred to his account very soon. Other than that, UA also credited him a HK$50,000 e-Cash Revolving Loan for emergency use, no interest will be charged for any unused credit.

1 year from now, Patrick took the offer of being a manager in Shanghai office of a multi-national trading company. After that, he decided to settle down and purchase a flat in Shanghai.

 

He earns HK$35,000 per month but still lacking in a lump-sum to pay the deposit. Before he went back to Hong Kong to make a loan application, Patrick knew that UA offers i-Money Internet Personal Loan that the loan application procedures can be completed through online from talking with some expatriates from Hong Kong in a gathering. It doesn’t need any face-to-face contact and cash will be transferred to the designated account upon approval.

 

He then applied loan through internet and a loan amount of HK$300,000 had been transferred to his account very soon. Other than that, UA also credited him a HK$75,000 e-Cash Revolving Loan for managing other expenses related to his flat purchase. No interest will be charged for any unused credit.

Tom's Financial Profile

Occupation Retailing
Title Shop supervisor
Years of servicing 3 years
Monthly income (with comission) Around HK$40,000
Loan amount applied HK$100,000
i-Money Internet Loan amount HK$100,000
e-Cash" Revolving Loan amount HK$50,000

Patrick's Financial Profile

Occupation Trading
Title Manager
Years of servicing 1 years
Monthly income HK$35,000
Loan amount applied HK$300,000
i-Money Internet Loan amount HK$300,000
e-Cash Revolving Loan amount HK$75,000

Note:
+As of October 2022, UA’s cash reward is the highest among the major financial companies in Hong Kong.

*Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday to Sunday (9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

Key Facts Statement for Installment Loan:

  1. The minimum and maximum repayment period is 3 months and 60 months respectively.
  2. The maximum annual percentage rate is 48%.
  3. A representative example of total cost for a loan below is for reference only:
    • Loan amount: HK$10,000
    • Monthly installment of HK$1,815 for 6 months
    • Interest rate: 2.5% per month
    • Annual percentage rate: 30%
    • Total repayment amount: HK$10,890