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Personal Loans for HOS and Public Housing Homeowners

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Personal Loans for HOS and Public Housing Homeowners

We provide tremendous personal loans for HOS and public housing owners.
No collateral of title deed is required,
thus high-interest debts and private loans can be cleared.
The interest rate can be saved while credit score can be improved.

Loan amount up to HK$1.5 million
No collateral of title deed is required
Instant approval and disbursement within a day
Daily calculation of interest, borrow and repay whenever you want
Exempt from income proof, stress test and credit report
Exempt from valuation fee, legal fee and handling fee

*Remark: The actual loan amount, interest rate and other conditions are subject to the loan documents accepted and signed by the client. Hong Kong Finance Company Limited reserves the right to make the final decision in case of disputes.

Loan amount
$
Interest rate (per annum)
%
Repayment period (months)
months
Monthly installment 0

If the address search on the left does not return the required address, please contact us for property valuation via E-mail.

Case sharing

happy girl

Short of cash flow for business

Mr. Ho was a director of a limited company. Recently he required a short-term funds for his business. However, he worried for the funds raising since he has no proof of income and borrowed more than $2 million SME loans from various banks. Fortunately, he had a self-occupied and unpaid land premium HOS flat. He used the property to apply for a personal loan from Hong Kong Finance. Mr. Ho finally borrowed up to a $1 million loan without any proof of income which helped him to turn around the business immediately.

happy girl

Consumption exceeded to the income

Ms. Wong was an office lady with a monthly income of over $10,000. She was having an income burden due to her preference of pursuing handbags. Within a year, her debts had been accumulated. She could only borrow new loans to repay the debts that it had been up to 10 times of the monthly salary. At a result no bank or financial company was willing to grant loan to her. Fortunately, Ms. Wong had inherited an unpaid land premium public housing estate from her deceased parents. She used this property to apply for a property owner's loan from Hong Kong Finance, and was granted a loan of $200,000 to repay all new and old debts.

Mr. Ho was a director of a limited company. Recently he required a short-term funds for his business. However, he worried for the funds raising since he has no proof of income and borrowed more than $2 million SME loans from various banks. Fortunately, he had a self-occupied and unpaid land premium HOS flat. He used the property to apply for a personal loan from Hong Kong Finance. Mr. Ho finally borrowed up to a $1 million loan without any proof of income which helped him to turn around the business immediately.

Ms. Wong was an office lady with a monthly income of over $10,000. She was having an income burden due to her preference of pursuing handbags. Within a year, her debts had been accumulated. She could only borrow new loans to repay the debts that it had been up to 10 times of the monthly salary. At a result no bank or financial company was willing to grant loan to her. Fortunately, Ms. Wong had inherited an unpaid land premium public housing estate from her deceased parents. She used this property to apply for a property owner's loan from Hong Kong Finance, and was granted a loan of $200,000 to repay all new and old debts.

FAQ

Is there any fees to be charged during the loan application?

At Hong Kong Finance, loan application is absolutely free-of-charge, with no legal fee, handling fee or valuation fee. We will not charge any fees if the application is disapproved or cancelled, or if the loan is not confirmed and accepted at the end.

How long does disbursement take after a loan application has been approved?

Usually, you can get your loan within 24 hours.

If I want to apply for a loan on a jointly-owned property, do I need to obtain the consent of all the co-owners?

Yes, you cannot take out a loan on a jointly-owned property without the consent of all the co-owners. While the application can be lodged by one of the co-owners or a trustee, all the co-owners must be present at the law firm to sign the official loan contract.

Do I need to pledge my property for applying for Personal Loans for HOS and Public Housing Homeowners?

HOS and Public Housing Homeowners who have not paid the land premium are welcomed to apply without having to pledge their property.

Can I apply for Personal Loans for HOS and Public Housing Homeowners if I am unable to provide proof of income documents and employment certificate?

Of course, you can. At Hong Kong Finance, applicants are exempted from having their proof of income documents and employment certificate reviewed. All homeowners are eligible for collateral-free and large Personal loans with a low interest.

Are the loan applications processed by lawyer?

Yes. To ensure the delivery of high-quality, reliable and statutory mortgage services, we have commissioned a reputable law firm to handle the applications for us.

Can I apply for loans if I am over 65 years old or have retired?

Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.

What are the eligibility criteria for applying for Personal Loans for HOS and Public Housing Homeowners?

Applicants are welcomed as long as they are at least 18 of age and own a HOS flat or public housing apartment with unpaid land premium in Hong Kong.

Do I need to register at the Land Registry for applying for Personal Loans for HOS and Public Housing Homeowners?

We offer collateral-free and large Personal loans with a low interest for HOS and Public Housing Homeowners. At Hong Kong Finance, loan applications are simple and compliant with the regulations. Homeowners can take out Personal loans with ease without having to submit their title deed or register at the Land Registry.

Is there any fees to be charged during the loan application?

At Hong Kong Finance, loan application is absolutely free-of-charge, with no legal fee, handling fee or valuation fee. We will not charge any fees if the application is disapproved or cancelled, or if the loan is not confirmed and accepted at the end.

Are the loan applications processed by lawyer?

Yes. To ensure the delivery of high-quality, reliable and statutory mortgage services, we have commissioned a reputable law firm to handle the applications for us.

How long does disbursement take after a loan application has been approved?

Usually, you can get your loan within 24 hours.

Can I apply for loans if I am over 65 years old or have retired?

Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.

If I want to apply for a loan on a jointly-owned property, do I need to obtain the consent of all the co-owners?

Yes, you cannot take out a loan on a jointly-owned property without the consent of all the co-owners. While the application can be lodged by one of the co-owners or a trustee, all the co-owners must be present at the law firm to sign the official loan contract.

What are the eligibility criteria for applying for Personal Loans for HOS and Public Housing Homeowners?

Applicants are welcomed as long as they are at least 18 of age and own a HOS flat or public housing apartment with unpaid land premium in Hong Kong.

Do I need to pledge my property for applying for Personal Loans for HOS and Public Housing Homeowners?

HOS and Public Housing Homeowners who have not paid the land premium are welcomed to apply without having to pledge their property.

Do I need to register at the Land Registry for applying for Personal Loans for HOS and Public Housing Homeowners?

We offer collateral-free and large Personal loans with a low interest for HOS and Public Housing Homeowners. At Hong Kong Finance, loan applications are simple and compliant with the regulations. Homeowners can take out Personal loans with ease without having to submit their title deed or register at the Land Registry.

Can I apply for Personal Loans for HOS and Public Housing Homeowners if I am unable to provide proof of income documents and employment certificate?

Of course, you can. At Hong Kong Finance, applicants are exempted from having their proof of income documents and employment certificate reviewed. All homeowners are eligible for collateral-free and large Personal loans with a low interest.

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