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I did not know anything about loans or borrowing money. But ever since I started a family, I have realised that loans can offer support and lessen our financial burden. When I started to understand loan services at financial institutions, I found that the application procedures are more convenient than I expected.
I am in the trading business and my wife is an interior designer. As self-employed individuals, my wife and I do not have any income proof. Although we do have a stable income, most of it is spent on company expenditures, our mortgage and daily expenses. Nevertheless, we never considered seeking help from financial institutions.
We have always hoped our children can explore new horizons while they are young. Recently, my daughter got an opportunity to study overseas, experience foreign culture and have a taste of independence. However, we could not afford to pay the HKD50,000 accommodation fee because of our insufficient liquidity. We tried to approach different financial institutions for short-term loan solutions to deal with the cash flow need.
Borrowing money without income proof was more difficult than we thought as my wife and I have been receiving salary in cash. We were rejected by the first few financial institutions as we could not provide an effective income proof. Institutions that provide short-term loan service are also few and far between, therefore we were hindered at the outset when we were unable to provide any income proof.
Luckily, Promise self-employment loans concern the needs of individuals who are part-timers, do not have a fixed-employer, receive salaries in cash or are self-employed like me, and do not require us to submit any income supporting documents. All we needed is my ID card and mobile number to get our application approved instantly. Promise provided an easy solution and helped us raise the necessary funds in a short time, so we could support our daughter's exchange abroad.
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Applying loan only with mobile number and ID card#. It has never been easier!
