監管披露
 
 

Part A - Personal Instalment Loan  A私人分期貸款

1. Choosing the account that is right for you 選擇適合你的戶口

1.1 Applicant for a personal instalment loan must be a Hong Kong resident aged 18 or above and is required to provide identification document, address proof and income proof.
私人分期貸款的申請人必須為18歲或以上的香港居民,並需提供身份證明文件、住址證明及入息證明。

1.2 We can structure your personal instalment loan to suit your personal needs. If you need us to explain any of the features of, or the terms applying to, any personal instalment loan products, please contact us.
我們可以配合你的個人需要,為你安排私人分期貸款。如需解釋任何私人分期貸款產品的特點或適用條款,請與我們聯絡。

2. The instalment loan 分期貸款                                

We will provide the loan 我們會提供貸款
2.1 If we issue an approval, we agree to provide an instalment loan up to the credit limit. The credit limit may be different to the credit limit you applied for.
倘若我們作出批核,則我們同意提供不超過信貸限額的分期貸款。信貸限額與你申請的信貸限額可能有別。

Top up loan 新加貸款
2.2 If you ask, we may agree to provide a top up loan on terms we notify.
你如有要求,我們可同意按我們通知的條款提供新加貸款。

How we provide the instalment loan 我們如何提供分期貸款
2.3 In general, we provide the instalment loan by depositing it into the repayment account, or paid out to you by cheque or by cash at branch. If the instalment loan is disbursed by cheque, instalments are payable even if the cheque is not cashed.
一般而言,我們提供分期貸款時,會將款項存入還款戶口、或於分行以支票或現金向你支付款項。倘若分期貸款以支票提取,即使支票並無兌現,你仍須償還分期款項。

2.4 Fees and charges that are applicable on the instalment loan may be deducted from the instalment loan before loan disbursement. Please contact us for details of any applicable fees.
分期貸款的相關費用及收費可於提取貸款前從分期貸款扣除。有關任何相關費用的詳情,請與我們聯絡。

3. Interest, fees and charges 利息、費用及收費

Interest 利息
3.1 You shall pay interest on the instalment loan monthly in arrears at the rate set out in Loan Agreement or any other rate we determine from time to time.
你必須按貸款協議書或我們不時決定的任何其他利率就分期貸款支付當月利息。

3.2 Interest is payable on the dates set out in statements or Loan Agreement.
利息須於結單或貸款協議書所列的日期支付。

3.3 Interest is calculated on a monthly basis.
利息按月計算。

Fees and charges 費用及收費
3.4 The fees and charges for the instalment loan are set out in the service fee table or Loan Agreement. Please contact us for details.
分期貸款的費用及收費載於服務收費表或貸款協議書。詳情請與我們聯絡。

3.5 We may charge a late charge for any overdue payment as set out in the service fee table or Loan Agreement. Please contact us for details.
我們可就任何逾期繳款按服務收費表或貸款協議書所載徵收逾期費用。詳情請與我們聯絡。

4. Repayment 還款

Repayment by instalments 分期還款
4.1 You shall repay the instalment loan in instalments in accordance with the amount of each instalment and due date we notify you.
你須按照我們通知你的每期還款金額及還款到期日分期償還分期貸款。

4.2 Any balance owing on the account for the instalment loan (after payment of all instalments) must be repaid on or before the final repayment date we notify you.
分期貸款戶口的任何欠款結餘(在繳付全部分期款項後)須於我們通知你的最後還款日或之前償還。

4.3 The instalments are payable even if you do not withdraw any of the instalment loan funds we deposit in the repayment account.
即使你並無動用我們存入還款戶口的分期貸款資金,仍須償還分期款項。

4.4 If we vary the interest rate on the instalment loan, we may vary the instalment amount and the number of instalments.
倘若我們修訂分期貸款的利率,則可能修改分期款額及還款期數。

Methods of repayment 還款方法
4.5 We advise you of the manner in which you shall repay the instalments. For example, we may request you to designate an account for repayment by direct debit and give us documents to facilitate direct debit from that account.
我們會建議你分期還款的方法。舉例而言,我們可要求你以指定戶口直接扣賬還款,並要求你向我們提供文件以便從有關戶口直接扣賬。

4.6 You shall comply with our general requirements for the relevant payment method, including any set out in clause 4.
你須遵守我們有關還款方法的一般規定,包括第4條所載的任何規定。

4.7 You shall ensure that any payment instrument or payment instruction is honoured. For example, you must:
你須確保任何付款方式或付款指示均獲兌現。舉例而言,你:
•   ensure that you have sufficient funds in the account to be debited (including the repayment account);
  必須確保戶口有足夠資金以供扣賬(包括還款戶口);
•   not stop cheques;
  不可截停支票;
•   not cancel or vary any payment arrangement (unless we request you to do so to reflect a change in the instalments) or close or change the account on which cheques are drawn.
  不可取消或更改任何付款安排(除非是我們因應分期變動而提出有關要求)或結束或更改支票的支付戶口。


Automatic payment from repayment account with another institution 從另一機構的還款戶口自動付款
4.8 If we require you to repay by automatic payment and the repayment account is with another financial institution, you shall:
倘若我們要求你以自動付款方式還款,而還款戶口設於另一財務機構,你必須:
•   organise a payment arrangement with the other financial institution under which an amount equal to each instalment amount is debited from the repayment account and paid to us on each instalment due date and give us satisfactory evidence that this is in place; or
 

與該財務機構訂立付款安排,於各期的還款到期日從有關還款戶口扣除相當於各分期款額的款項支付我們,並且向我們  提供有關安排的充分證明;或

•   provide us with any necessary authorisation that enables us to debit the instalment amount from the repayment account.
  向我們提供我們所需的任何授權,以便我們從有關還款戶口扣取分期款項。


Payment in full upon our request 我們可要求繳付全額
4.9 Notwithstanding anything stated to the contrary herein, we may at any time demand immediate payment of the instalment loan in full, together with all accrued but unpaid interest, fees and charges in connection with the instalment loan.
即使貸款協議書有任何其他條款規定,我們可隨時要求立即清繳分期貸款以及有關分期貸款的所有應繳而未付的利息、費用及收費。

What happens if you do not pay 不付款的後果
4.10 If you do not make an instalment repayment on or before the relevant due date:  
你如在有關的還款到期日或之前未有支付分期還款,則:
•   the instalment loan plus all accrued but unpaid interest plus any other sum due to us is immediately due and payable; and
  分期貸款以及所有應繳而未付的利息和對我們所欠的任何其他款項立即到期;及
•   we will charge you a late charge as set out in the service fee table or Loan Agreement.
  我們會向你徵收服務收費表或貸款協議書所載的逾期費用。
•   we may employ third party collection agencies to collect overdue amounts owed by you and may request you to indemnify us in respect of all reasonable legal charges, collection agent charges and any other expenses incurred in connection with our efforts to obtain payment of any money owing in respect of the loan from you and/ or otherwise enforce the Loan Agreement, including but not limited to legal costs on an indemnity basis.
  我們可聘用第三方收款代理人追收你所欠之逾期金額,並可要求你賠償我們因其收取及/或試圖收取任何你所欠的應付款項或因其他原因執行貸款協議書而產生的法律費用、收款代理人費用或任何其他費用,包括但不限於以彌償基礎計算的律師費。

How we apply payments 我們如何分配付款
4.11 We may use amounts we receive from any of your instalment repayments to pay interest rather than to reduce the principal amount you owe us or to pay amounts you owe us in any order we choose. For example, we may allocate a higher proportion of any one or more of your instalment repayments to interest rather than to the principal amount you owe us.
我們可將來自你任何分期還款的款項,用於支付利息而非減少你對我們所欠本金,或者按我們決定的任何次序支付你對我們所欠的任何款項。例如,我們可將你一期或以上的分期還款的較大部分用於償付利息而非你對我們所欠的本金。

5. Prepayment 提前還款

5.1 You may prepay all (but not part) of the instalment loan if: 
你可在下述情況下提前償還全部(但非部分)分期貸款:
•   you give us reasonable notice; and
  你給予我們合理的通知;及
•   when you prepay, you also pay all accrued but unpaid interest, fees and charges in connection with the instalment loan according to the terms set out in Loan Agreement. Details of these fees and charges are available by contacting us.
  你提早還款時,亦須根據貸款協議書所載之條款就分期貸款支付所有應繳而未付的利息、費用及收費。有關費用及收費詳情,請向我們索取。

6. Cancellation 取消

6.1 You may only cancel the instalment loan before the drawdown of an instalment loan.  An instalment loan is deemed to be drawn-down once the instalment loan is deposited to the repayment account, or paid out to you by cheque or by cash.
你僅可於提取分期貸款前取消該分期貸款。當我們將款項存入還款戶口,或於分行以支票或現金向你支付款項,該分期貸款則被視作已被提取。

7. Telephone enquiry 電話查詢

7.1 When we receive an enquiry by telephone, we may verify an enquirer’s identity by asking them to provide Hong Kong Identity Card number (or passport number if you do not have a Hong Kong Identity Card), the loan amount applied for and any other information we see fit. If we believe the enquirer to be you, you authorise us to disclose the following data to the enquirer:
當我們接到電話查詢時,我們為核實查詢人的身分,可能會要求查詢人提供你的香港身份證號碼(倘若沒有香港身份證,則為護照號碼)、所申請貸款額及我們認為適當的任何其他資料。在我們相信查詢人為你的情況下,你授權我們向查詢人提供以下資料:
•   loan application details such as requested loan amount, number of instalments and application date;
  貸款申請詳情如申請貸款金額、還款期數及申請日;
•   loan approval status (approved, pending or rejected); and
  貸款批核狀況(已經批核、尚待批核或拒絕批核);及
•   if the loan is approved, the exact amount approved, the interest rate, the number of instalments, the final repayment date and the loan drawdown date.
  如貸款已批核,所批核的實質金額、利率、還款期數、最後還款日及貸款提取日。

8. Miscellaneous 其他事項

8.1 We may pay a fee or commission to a third party if you are introduced to us. On the other hand, we may receive a fee or commission from a third party if you are introduced by us after you have consented to the introduction. 
如你是由第三者介紹予我們,我們可向該第三者支付費用或佣金;另外,如我們經你同意下介紹你予第三者,則我們有權向該第三者收取費用或佣金。


Part B - Personal Revolving Loan  B私人循環貸款

9. Choosing the account that is right for you 選擇適合你的戶口

9.1 Applicant for a personal revolving loan must be a Hong Kong resident aged 18 or above and is required to provide identification document, address proof and income proof.
私人循環貸款的申請人必須為18歲或以上的香港居民,並需提供身份證明文件、住址證明及入息證明。

9.2 We can structure your personal revolving loan to suit your personal needs. If you need us to explain any of the features of, or the terms applying to, any personal revolving loan products, please contact us.
我們可以配合你的個人需要,為你安排私人循環貸款。如你需要我們解釋任何私人循環貸款產品的特點或適用條款,請與我們聯絡。

10. The revolving loan 循環貸款

We will provide the revolving loan 我們提供循環貸款
10.1 If we issue an approval, we agree to provide a revolving loan up to the credit limit. The credit limit may be different to the credit limit you applied for.
倘若我們作出批核,則我們同意提供不超過信貸限額的循環貸款。信貸限額與你申請的信貸限額可能有別。

How we provide the revolving loan 我們如何提供循環貸款
10.2 In general, we provide the revolving loan by depositing it into the repayment account or paid out to you by cheque at branch. If the revolving loan is disbursed by cheque, the revolving loan are payable even if the cheque is not cashed.
一般而言,我們提供循環貸款時,會將款項存入還款戶口或於分行以支票向你支付款項。倘若循環貸款以支票提取,即使支票並無兌現,你仍須償還循環貸款。

11. Credit limit 信貸限額

Exceeding the credit limit 超逾信貸限額
11.1 It is your responsibility to ensure that the limit is not exceeded.
你有責任確保不超逾限額。

11.2 If you request, we may agree to review the credit limit at any time.
如你有要求,我們同意隨時檢討你的信貸限額。

12. Interest, fees and charges 利息、費用及收費

Interest 利息
12.1 You shall pay interest on the revolving loan monthly in arrears at the rate set out in the approval or otherwise in Loan Agreement or any other rate we determine from time to time.
你必須按批核或貸款協議書所載的利率或我們不時決定的任何其他利率就循環貸款支付當月利息。

12.2 Unless otherwise specified in Loan Agreement, interest accrues on a daily basis and is calculated on the basis of a 365-day year.
除貸款協議書另有註明外,利息逐日累算,按一年365日基準計算。

12.3 Interest is payable on the dates set out in the approval, statements or Loan Agreement.
利息須於批核、結單或貸款協議書所列的日期支付。

12.4 If you do not make payment when overdue, we may charge an overdue charge and/or interest on any overdue amount at the overdue charge rate as set out in the service fee table or Loan Agreement. Please contact us for details.
倘若你並無在到期付款日付款,我們可就任何逾期款項按服務收費表或貸款協議書所載的逾期利率徵收逾期費用及/或利息。詳情請與我們聯絡。

12.5 If you do not make payment when overdue, we may employ third party collection agencies to collect overdue amounts owed by you and may request you to indemnify us in respect of all reasonable legal charges, collection agent charges and any other expenses incurred in connection with our efforts to obtain payment of any money owing in respect of the loan from you and/ or otherwise enforce the Loan Agreement, including but not limited to legal costs on an indemnity basis.
倘若你並無在到期付款日付款,我們可聘用第三方收款代理人追收你所欠之逾期金額,並可要求你賠償我們因其收取及/或試圖收取任何你所欠的應付款項或因其他原因執行貸款協議書而產生的法律費用、收款代理人費用或任何其他費用,包括但不限於以彌償基礎計算的律師費。

12.6 If the balance owing on the account for the revolving loan exceeds the credit limit, we may charge an overlimit fee as set out in the service fee table or Loan Agreement. Please contact us for details.
倘若循環貸款戶口的欠款結餘超過信貸限額,我們可按服務收費表或貸款協議書徵收超額貸款費用。詳情請與我們聯絡。

12.7 We do not pay interest on any credit balance on the account for the revolving loan.
我們對循環貸款戶口的任何戶口結餘概不支付任何利息。

Fees and charges 費用及收費
12.8 The fees and charges for the revolving loan are set out in the service fee table or Loan Agreement. Please contact us for details.
循環貸款的費用及收費載於服務收費表或貸款協議書。詳情請與我們聯絡。

13. Repayment 還款

Minimum monthly repayment 每月最低付款額
13.1 On or before the due date set out in the statement we issue for a revolving loan, you shall pay at least a minimum monthly repayment as set out in the statement. Alternatively, you may pay the balance owing on the account for the revolving loan as set out in the statement.
你須於我們就循環貸款發出的結單所示還款到期日或之前,最少支付結單所示的每月最低付款額。你亦可支付結單所示循環貸款戶口的欠款結餘。

13.2 Your liability to us remains even if, for any reason, you do not receive your periodic statement.
即使你基於任何原因而沒有收到你的定期結單,你對我們所負的債項概不受任何影響。

Calculation of minimum monthly repayment 每月最低付款額的計算
13.3 We calculate the minimum monthly repayment in accordance with our usual practice. Please contact us for further information.
我們根據慣常做法計算每月最低付款額。請聯絡我們索取更多資料。

Methods of repayment 還款方法
13.4 We advise you of the manner in which you shall repay any repayment on the revolving loan. For example, we may request you to designate an account for repayment by direct debit and give us documents to facilitate direct debit from that account.
我們會建議你償還循環貸款的方法。舉例而言,我們可要求你以指定戶口直接扣賬還款,並要求你向我們提供文件以便從有關戶口直接扣賬。

13.5 You shall comply with our usual requirements for the relevant payment method, including any set out in clause 13.
你須遵守我們有關還款方法的一般規定,包括第13條所載的任何規定。

13.6 You shall ensure that any payment instrument or payment instruction is honoured. For example, you must:
你須確保任何付款方式或付款指示均獲兌現。舉例而言,你:
•   ensure that you have sufficient funds in the account to be debited (including the repayment account) for an amount equal to:
必須確保戶口(包括還款戶口)有足夠資金以供扣賬,金額相當於:
- at least the minimum monthly repayment;
   至少為每月最低付款額;
- any applicable charges/fees; and
   任何有關收費/費用;及
- any other amount you owe us in connection with the revolving loan;
   你就循環貸款對我們所欠的任何其他款項;
•   not stop cheques;
不可截停支票;
•   not cancel or vary any payment arrangement (unless we request you to do so to reflect a change in the minimum monthly repayment) or close or change the account on which cheques are drawn.
不可取消或更改任何付款安排(除非是我們因應每月最低付款額變動而提出有關要求)或結束或更改支票的支付戶口。


Automatic payment from repayment account with another institution
從另一機構的還款戶口自動付款
13.7 If we require you to repay by automatic payment and the repayment account is with another financial institution, you shall:
倘若我們要求你以自動付款方式還款,而還款戶口設於另一財務機構,你必須:
•   organise a payment arrangement with the other financial institution under which an amount equal to:
與該財務機構訂立付款安排,於各還款到期日從有關還款戶口扣除相當於下列數額的款項支付到你的循環貸款戶口:
- the minimum monthly repayment;
   每月最低付款額;
- any applicable charges/fees; and
   任何有關收費/費用;及
- any other amount you owe us in connection with the revolving loan,
   你就循環貸款對我們所欠的任何其他款項,
is debited from the repayment account and deposited in your account for the revolving loan on each due date and give us satisfactory evidence that this is in place; or
並且向我們提供有關安排的充分證明;或
•   provide us with any necessary authorisation that enables us to debit the above amounts from the repayment account.
向我們提供我們所需的任何授權,以便我們從有關還款戶口扣取上述款項。


Payment in full upon our request 我們可要求繳付全額
13.8 Notwithstanding anything stated to the contrary herein, we may at any time demand immediate payment of the balance owing on the account for the revolving loan.
不論貸款協議書有任何其他條款規定,我們可隨時要求立即清繳循環貸款戶口的欠款結餘。

What happens if you do not pay 不付款的後果
13.9 If we do not receive the minimum monthly repayment on or before the due date, you may not be able to use the account for the revolving loan after the due date until the minimum monthly repayment has been paid.
如我們截至還款到期日或之前仍未收到每月最低付款額,則你在還款到期日後至繳付每月最低付款額前不可再使用循環貸款戶口。

Statement 結單
13.10 We issue a statement to you each month for the account for the revolving loan.
我們會每月就循環貸款戶口向你發出結單。

13.11 If you think there is an error on your statement, you must notify us with details of the error within the period as specified in the statement. If you do not do so, we treat the statement as correct.
如你認為你的結單有誤,務請於結單所示期間通知我們有關詳情,否則我們將視結單為正確論。

How we apply payments 我們如何運用所獲付款
13.12 We may use amounts we receive under Loan Agreement to pay amounts you owe us in the following order or any order we choose:
我們可運用根據貸款協議書收到的條款,按以下順序或我們決定的任何順序支付你對我們所欠的款項:
•   principal and interest billed but not paid; then
已發了結單但未繳付之本金及利息;其次為
•   current principal and interest; then
今期應付之本金及利息;其次為
overdue charges; then
逾期費用;其次為
other fees and charges.
其他費用及收費。

14. Right to reborrow 循環再借權利

14.1 You may only reborrow an amount repaid if:
你僅可在下述情況下循環再借已償付的款項:
•   the balance owing on the account for the revolving loan does not exceed the credit limit; and
循環貸款戶口的欠款結餘不超過信貸限額;及
•   you otherwise satisfy our conditions for permitting reborrowing.
你符合我們循環貸款之循環再借條件。
Any amount you reborrow forms part of the revolving loan.
你循環再借的任何款項屬於循環貸款的一部分。

15. Liability 責任

General 一般事項
15.1 You are liable for:
你對以下各項負責:
•   any failure to comply with the terms of Loan Agreement; and
並無遵守貸款協議書的條款;
•   the balance owing on the account for the revolving loan.
循環貸款戶口的欠款結餘

16. Cancellation and termination 終止及取消

How to terminate 如何終止
16.1 At any time, we may choose to cancel or suspend or end the revolving loan with notice to you.
我們可隨時向你發出通知而取消或暫停或終止循環貸款。

16.2 At any time, you may cancel the revolving loan by giving us at least 7 working days advance notice in writing, such cancellation or termination to be effective upon such notice is confirmed to be received by us.
你可隨時以最少7個工作天的預先書面通知取消或終止循環貸款,惟生效日期必須為我們確認收到通知後起計。

What happens if the account is terminated 戶口終止的情況
16.3 If you or we end the revolving loan, you must immediately pay the balance owing on the account for the revolving loan .
倘若你或我們終止循環貸款,則你必須立即繳付循環貸款戶口的欠款結餘。

17. Variation 修訂

17.1 If you are not comfortable with any changes we make to Loan Agreement, you may terminate the revolving loan in accordance with the procedure in clause 16.
你如不滿意我們對貸款協議書的任何修訂,可根據第16條所訂程序終止循環貸款。

17.2 If we notify you of any changes to Loan Agreement in accordance with any applicable law and you keep or use the account for the revolving loan, you are taken to have agreed to the changes.
倘若在我們根據任何適用法例知會你貸款協議書的任何修訂後,你仍然保留或使用循環貸款戶口,則你將被視為同意有關修訂。

18. Suspicious transactions 可疑交易

18.1 We need not honour suspicious transactions (and need not notify you if this is the case).
我們毋須兌付可疑交易(並且毋須在此情況下通知你)。

19. Telephone enquiry 電話查詢

19.1 When we receive an enquiry by telephone, we may verify an enquirer’s identity by asking them to provide your Hong Kong Identity Card number (or passport number if you do not have a Hong Kong Identity Card), the loan amount applied for and any other information we see fit. If we believe the enquirer to be you, you authorise us to disclose the following data to the enquirer:
當我們接到電話查詢時,我們為核實查詢人的身分,可能會要求查詢人提供你的香港身份證號碼(倘若沒有香港身份證,則為護照號碼)、所申請貸款額及我們認為適當的任何其他資料。在我們相信查詢人為你的情況下,你授權我們向查詢人提供以下資料:
•   loan application details such as requested loan amount and application date;
貸款申請詳情如申請貸款金額及申請日;
•   loan approval status (approved, pending or rejected); and
貸款批核狀況(已經批核、尚待批核或拒絕批核);及
•   if the loan is approved, the exact amount approved, the interest rate and the loan drawdown date.
如貸款已批核,所批核的實質金額、利率及貸款提取日。

20. Miscellaneous 其他事項

20.1 We may pay a fee or commission to a third party if you are introduced to us. On the other hand, we may receive a fee or commission from a third party if you are introduced by us after you have consented to the introduction. 
如你是由第三者介紹予我們,我們可向該第三者支付費用或佣金;另外,如我們經你同意下介紹你予第三者,則我們有權向該第三者收取費用或佣金。

Part C - Meaning of words  C詞語涵義

21. Meaning of words 詞語涵義

“overdue charge rate” means the rate of interest which applies to overdue payments or any amount owing in excess of a limit as set out in Loan Agreement.
“逾期利率” 指貸款協議書所載適用於逾期繳款或任何超逾信貸限額款項的利率。

“instalment loan” means the outstanding principal amount of each drawdown of a loan made under Part A of these terms. It includes a top up loan.
“分期貸款” 指根據本條款A部所授貸款每次動用的未償還本金,包括新加貸款。

“credit limit” means, for a personal instalment loan or personal revolving loan, the credit limit set out in the approval for the product (as we may vary from time to time).
“信貸限額”(就私人分期貸款或私人循環貸款)指有關產品之批核所訂的信貸限額(可由我們不時修改)。

“Loan Agreement” means the agreement between you and us formed when we accept an application for instalment loan or revolving loan from you, the terms of which include these terms.
“貸款協議書” 指我們接納你的分期貸款或循環貸款申請時,你與我們訂立的協議,有關條款包括本條款。

“repayment account” means a savings account or current/cheque account opened and maintained any other financial institution which you and we have agreed is to be the account into which we may deposit the instalment loan or revolving loan and/or from which we may debit instalments or repayments.
“還款戶口” 指你與我們協定的在任何其他財務機構開立及維持的儲蓄或往來/支票戶口,可供我們存入分期貸款或循環貸款及/或我們可從中扣除分期款項或償付款項。