Details of documents required
A copy of your HKID card showing that you have permanent residency status.
Latest 3 months’ residential address proof showing your name
Proof of your latest residential address in your name (valid within 3 months from the time of your application), eg utility bills, government rent or rates demand note, a copy of the tenancy agreement or rental receipt, any correspondence issued by any government department (eg a tax demand note issued by the Inland Revenue Department) or any public bodies to you
If the Borrower can only provide proof of the latest residential address in the name of other person (e.g. family member) living with the Borrower, the Borrower shall provide a declaration in Supplemental Information explaining the situation and provide a copy of bank statement issued to the Borrower in such residential address. Address proof is required in all cases.
Proof of previous employment and main recurrent incomes for at least 3 months’ during the period from January 2020 to February 2021
For any one of the following supporting documents, any 3 months during the period between January 2020 and February 2021 in which the relevant incomes must be earned before the first unemployment month:
(1) Bank statements or passbook showing the autopay salary record (e.g. credit transaction with description of “salary”, “payroll”) of wage receipt entries of at least 3 months;
(2) Wage slips, wage receipts, or other documents (such as tax return or any official documents, e.g. termination letter, statement of final/severance payment showing the last salary and period of employment to the Borrower) that can be relied on to confirm or deduce the daily or monthly wage in the 3 months (collectively, “wage confirmations”), issued by the former employer and supported by bank statement(s) or passbook showing record of bank transfer or deposits of cheque(s) or cash. For wage paid by cheques and the relevant wage confirmations are not available, a copy of the cleared cheques if there are means to prove the employment relationship with cheque issuer(s);
(3) Bank statements or passbook showing records of bank transfers or deposits of cheque(s) or cash, and supported by proofs of business activities of remunerated jobs or projects which generated the main recurrent incomes, such as sales or service contract(s), invoice(s), or other records or correspondence(s);
(4) Annual statements for 2020 or monthly contribution history of the MPF scheme or ORSO scheme;
(5) Tax demand note for financial year 2019/2020 with assessment details.
Proof of unemployment and loss of main recurrent income for at least 2 months
(a) Bank statements or passbook for 2 consecutive months issued within 3 months prior to the submission of loan application showing cessation of income entries in relation to the monthly main recurrent income from employment in Hong Kong, and (except for free-lancers, gig or casual workers) submit one of the following proof of unemployment for 2 months:
Please note: Unless justified otherwise with proofs, the bank account shall be the same as that used to show the 3 months’ income proof.
(b) Severance letter issued by the former employer.
(c) Letter of termination of employment, expired employment contract, tax return or any official document showing cessation of employment issued by the former employer.
(d) Proof of receipt of severance payment or long service payment pursuant to the Employment Ordinance.
(e) Proof of (i) receipt by the Labour Department of the Government of an application for, or (ii) the Borrower’s receipt of, ex-gratia payment from the Protection of Wages on Insolvency Fund.
(f) Proof showing the business close down of the Borrower’s former employer together with proof showing the employment relationship with the former employer (e.g. employment contract, wage receipt).
(g) Statements issued by an MPF scheme or ORSO scheme service provider showing cessation of contribution entries or termination of employment.
(h) Proof of filing of Notice of Cessation of Business to the Business Registration Office or completion of sale of sole proprietorship or partnership, or Form 1(a) or Form 1(c) of the Business Registration Office showing the Borrower ceased the business or ceased to be a sole proprietor or partner, as the case may be.