¹  This offer is only applicable to customers who have settled loans from Public Finance Limited ("the Company") and have successfully applied for and disbursed a new personal loan through branches, phone, online, or the Public Finance Limited Mobile Application “eLoan” by January 31, 2025. Customers can enjoy cash rewards of up to HK$6,000 or 1% of the loan amount (whichever is lower).

²  This offer is only applicable to customers who do not hold any personal loans provided by Public Finance Limited ("the Company") on the day of application. Customers who successfully apply for and disburse a “Tax Bill Personalised Rating Personal Loan” through branches, phone, online, or the Public Finance Limited Mobile Application “eLoan” by March 31, 2025, can enjoy up to HK$5,000 supermarket cash vouchers. The value of supermarket cash vouchers enjoyed by customers will depend on the loan amount.

³  Customers who successfully apply for and disburse any personal loan from Public Finance Limited (the “Company”) from now until February 21, 2025 are eligible to receive supermarket cash coupon valued up to HK$1,000 (“Lai See”) subject to loan amount.

⁴  Only applicable to Tax Bill Personalised Rating Personal Loan Promotion. The respective monthly flat rate and Annualised Percentage Rate (“APR”), for loan amount of HK$10,000 is 0.1800%/4.04% (12 months), 0.1742%/4.04% (24 months), 0.1730%/4.04% (36 months). An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. Maximum loan amount of HK$800,000 or up to 15 times of monthly salary, whichever is the lower.

⁵ Only applicable to Residential Flat Owner Loan Promotion.

Annualised Percentage Rate (“APR”) is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate. APR is calculated according to the method set out in the Code of Banking Practice. The APR ranges from 3.57% to 36.00%, with repayment period of 6 to 84 months#. The loan application is subject to the Company’s approval. For example, for a loan amount of HK$12,000 with a repayment period of 12 months, the monthly flat rate is 0.2% (APR 4.49%). The monthly repayment amount is HK$1,024, the total interest expense is HK$288, and the total repayment amount is HK$12,288 (0% handling fee). The above example is for reference only.

# Repayment tenor over 60 months is applicable for the loan purpose of debt consolidation.
 

The various offers and loan amounts enjoyed by customers will vary depending on individual financial conditions and specific loan plans, and will be subject to the credit records of credit reference agencies. The Company reserves the right to terminate or modify the above offers at any time without prior notice. Customers who wish to inquire about the actual offers they can enjoy are welcome to contact branch staff by phone or in person. In case of any disputes, the Company reserves the right of final decision. Public Finance personal loans are only applicable to customers who meet the Company's established credit conditions. This promotion is subject to relevant terms and conditions, for details please inquire with Company staff.