*The respective monthly flat rate and Annualised Percentage Rate (“APR”), with the waiver of handling fee, 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). Applicable to specific personal loan promotion application only. 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. Applicable to specific personal loan promotion application only.

+		Credit Card Outstanding Balance	Public Finance Limited Personal Loan
	Loan Amount	HK$300,000	HK$300,000
	Average Repayment Amount for First 3 Months	HK$14,974.94	HK$13,025
	Repayment Tenor	Up to 243 Months	24 Months
	Total Interest Expenses	HK$285,164.29	HK$12,589

The above example is for reference only. Assuming the monthly repayment amount is 5% of the HK$300,000 credit card outstanding balance at an interest rate of 30% p.a (APR is 34.49%) and the repayment tenor is 243 months.

#New customers are defined as customers who do not and have not maintained any personal loan account with Public Finance Limited before. New customers who successfully apply through our application hotline or Internet and draw down a personal loan equal to or more than HK$50,000 are eligible for supermarket shopping voucher under the specific personal loan promotion. Public Finance Limited reserves the right to terminate or amend the promotion without prior notice.

The above personal loans are subject to terms and conditions. For details of the above promotion, please contact our staff at 2848 1888.

To verify the identity of our telemarketing staff, please contact our Customer Service Hotline 2848 1888 for assistance.

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