Top Talent & Quality Migrant Loan
(Hong Kong Newcomer Loan)

When I first arrived in Hong Kong, I faced sky-high housing rent and three months' deposit, which nearly depleted my savings. I couldn't immediately transfer my funds from Mainland China. Through Hong Kong Newcomer Loan, I applied for HK$500,000 and was approved with funds disbursed the same day. I secured an ideal apartment and had money left for furniture and appliances. What surprised me most was being able to apply without a Hong Kong Permanent Identity Card, solved my biggest concern.

My husband and I came to Hong Kong together, and our biggest concern was our children's education expenses. The tuition fees and deposits for international schools in Hong Kong easily reach hundreds of thousands, plus material costs and extracurricular activities create significant financial pressure. Hong Kong Newcomer Loan provided us with HK$800,000 in education funding with a 60-month repayment period and affordable monthly payments. Most importantly, the application process was simple and quick. As we owned property in Hong Kong, the procedure was even simpler, there was no need to provide a Hong Kong Permanent Identity Card, allowing me to focus on helping my children’s adjustment issues rather than worrying about money.

As a professional coming to work in Hong Kong, although the salary is good, the various expenses when first arriving were overwhelming. Rental, daily necessities, transportation costs, plus waiting for the first month's salary created difficult cash flow issues. Thanks to Hong Kong Newcomer Loan, I received HK$100,000 in working capital to help me through the most challenging adjustment period. I especially appreciate that they understand the unique situation of professionals like us, focusing on my work background and future earning capacity rather than existing credit history like traditional banks do.