Regulated by the Money Lenders Ordinance, Chapter 163 of the Laws of Hong Kong，Anyone operating a money lender business in Hong Kong must obtain a money lender's license。 Any person who carries on business as a moneylender without a license commits an offense。 The license is usually valid for 12 months。 Therefore, the licensee must apply for license renewal within three months before the license expires in order to continue to engage in the money lending business.。 Until March 2024，A total of 2,236 money lender licenses have been issued in Hong Kong。
The business of a moneylender generally involves providing loans to others and is different from the business of a bank or financial institution。 Including providing secured loans and unsecured loans，For example：(1) Personal and business credit，(2) Mortgage，(3) Car，Wen etiquette，heavy machinery，Factory leasing，(4) Credit card financing，Promissory notes and issue discounts， 5 ) Small and medium-sized enterprise loans，（ 6 ) has a mortgage loan and ( 7 ) Syndicated lending, etc.。
(1) Applicant’s application and declaration form
(2) Documentary proof that the applicant has the ability to engage in routine money lending business
(3) Documentary evidence of the applicant’s financial status
(4) Tenancy agreement and floor plan of the premises intended to be used for money lending business
(5) Written permission from the owner for the intended use of the premises for money lending business
(6) Occupancy permit issued by the Buildings Department’
(7) Search the Land Register at the Land Registry
(8) Annual return form (if the applicant is a company)
The Companies Registry and the Hong Kong Police Force will issue a confirmation notice to the applicant after receiving the license application.。 The Police Force will investigate and review the submitted documents within approximately 60 days.。 thereafter，Applicants will receive a confirmation letter，Notify them of the result of their application。 It usually takes three to four months to process a submitted application。
If the application is approved，a month later，The applicant will receive a notice requesting him or her to attend the Licensing Court hearing。 Applicants need to bring all required documents。 The applicant will, after submitting all documents to the Licensing Tribunal，Obtain a money lender's license issued。
The Licensing Tribunal is responsible for adjudicating applications for money lenders licenses，Consider the following factors：
(1) Whether the applicant is a suitable person to run the money lending business (such as knowledge related to the business)，Educational qualifications and experience, etc.)；
(2) Whether any premises involved in the application are suitable for carrying on money lending business( Such as the land use of the premises and the permission certificates given by the owner and tenant, etc.)；and
(3) Whether licensing will violate the public interest?。
From October 3, 2016，All applicants for a money lender’s license or license renewal，Must provide information about the applicant and its business (including the types of loans involved，Supplementary information on the proposed business and financial status, etc.)。
All applications for money lenders license or license renewal delivered to the Companies Registry on or after 3 October 2016，In addition to the required application documents，Must be delivered together with the relevant supplementary information page。
answer：want，This requires a moneylender's license。moneylender business refers to a company(Except for banks or financial institutions)provide loans to others。Money lender business includes providing secured loans and unsecured loans，For example：
1、 mortgage；
2、 personal and business credit；
3、 car、heavy machinery、Factory leasing；
4、 credit card；
5、 Small and medium enterprise loans；
6、 Financing、Promissory notes and issue discounts；and
7、 Syndicated loan。
answer：The following persons may submit applications on behalf of the company:：
1、Existing directors；
2、former director (past 12 months)；
3、Authorized person who can provide terms of loan/arrangement；
4、Anyone actively involved in the business；
5、Others who have the right to control consumption (if there is)；
6、shareholder (Up to 6 major shareholders)；
7、beneficial owner (If you are not a registered shareholder) 。
answer：General procedures include：
1、Prepare application form and supplementary supporting documents；
2、提交申请文件到金钟道政府合署的放债人注册办事处及警察总部；
3、Meet the Chief of Police；
4、Attend Licensing Court and pay fees，Money lender license will be issued immediately。
answer：There is no requirement that applicants must stay in Hong Kong during the application period。However, the applicant is required to respond to questions from the Registrar of Money Lenders and the Commissioner of Police from time to time and make appointments to attend meetings held at the police station，for further investigation。
answer：The following factors will be considered：
1、Whether the applicant is a fit and proper person to run a moneylending business (e.g. knowledge relevant to running the business)、Educational qualifications and experience, etc.)；
2、Whether any premises to which the application relates are suitable for carrying on a money lending business ( Such as the land use of the premises and the permission certificates given by the owner and tenant, etc.)；and
3、Will licensing be contrary to public interest?。
answer：If the Licensing Tribunal considers it appropriate，The company can obtain a debtor's license，Valid for 12 months。
answer：Starting from the date of delivery application，It usually takes 3 to 4 months to issue a license。
answer：Before the license expires, the company can 3 Apply for license renewal within months。Starting from the date of application for renewal of delivery，It usually takes 2 to 3 months to issue a renewal license。
