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Debt and borrowing

Obtaining credit is easy in Hong Kong. There are many kinds of loans available in the market provided by different types of money lending institutions. While you can use this available credit to fund parts of your life goals, borrowing can become habitual, resulting in a worsening debt situation. Do not make a hasty borrowing decision. Always think carefully.

To borrow or not to borrow? There are three criteria to consider
Go through the borrowing checklist before taking out a loan
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Borrowing and Debt Calculator

Borrowing and Debt Calculator

This calculator works out the repayment amount/period/borrowing cost to help you consider your affordability and compare different loan products. It also presents an overview of all your personal debts and tips to help you manage debt effectively.

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