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.
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Mr. Li urgently required a cash from mortgage of his self-occupied property. Being a self-employed designer, he was lack of income proof that the bank could not grant the loan. He thus rushed for a loan from a financial company without doing any research, and finally suffered high administration fee and interest. Later, he heard from friend that Hong Kong Finance was professional, reliable and flexible on loan services. Thus, he transferred his loan to Hong Kong Finance to enjoy a lower interest which was also free from administration fee.
Mrs. Chiang’s husband was engaged in international trade business. Due to the deterioration of the international trade environment in recent months, the cash flow was very tight. Initially she planned to cash out $2 million from her existing loan company. However, the loan company rejected the request due to the economic situation. Referred by business partner, Mrs. Chiang transferred her loan to Hong Kong Finance to acquire extra fund. Her interest expense was also reduced after enjoying a lower interest rate from Hong Kong Finance.
Mr. Li urgently required a cash from mortgage of his self-occupied property. Being a self-employed designer, he was lack of income proof that the bank could not grant the loan. He thus rushed for a loan from a financial company without doing any research, and finally suffered high administration fee and interest. Later, he heard from friend that Hong Kong Finance was professional, reliable and flexible on loan services. Thus, he transferred his loan to Hong Kong Finance to enjoy a lower interest which was also free from administration fee.
Mrs. Chiang’s husband was engaged in international trade business. Due to the deterioration of the international trade environment in recent months, the cash flow was very tight. Initially she planned to cash out $2 million from her existing loan company. However, the loan company rejected the request due to the economic situation. Referred by business partner, Mrs. Chiang transferred her loan to Hong Kong Finance to acquire extra fund. Her interest expense was also reduced after enjoying a lower interest rate from Hong Kong Finance.
Hong Kong Finance is a listed company subject to strict regulations and one of the top 10 providers of professional mortgage services in Hong Kong. We offer: a loan amount of 100% of increase in property value; exemption from income proof and stress test; zero default interest for early settlement; a flexible repayment period; a loan-to-value ratio of up to 80% of the value of any properties
You only need to prepare the following documents: identity documents (e.g. Hong Kong Identity Card, passport or Home Return Permit), proof of address (e.g. recent demand for rates or management fee bill), monthly bank statement over the last three months or a facility letter issued by a financial institution.
Yes, you can apply for loans even if you are self-employed or have no proof of income document.
Yes, you can. We accept loan applications on properties of any types and ages, including private domestic apartments, HOS flats whose owners have paid the land premium, tenement buildings, village houses, shops, industrial and commercial properties and car park spaces. You can easily convert the value of any properties into cash.
For interest-only repayments, borrowers pay the monthly interest and are only required to repay the principal in full after the end of term; meanwhile, a monthly principal-and-interest repayment includes both the interest and the principal, just as how mortgage repayments to banks are made.
PRC residents are eligible for loan applications by providing their identity card and passport as well as the information of their Hong Kong property.
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.
Yes. To ensure the delivery of high-quality, reliable and statutory mortgage services, we have commissioned a reputable law firm in Admiralty to handle the applications for us.
Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.
The repayment period is very flexible and may range from one month to 20 years.
Yes, you can do so as long as all the stakeholders agree to be guarantors.
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 off the official loan contract.
Hong Kong Finance is a listed company subject to strict regulations and one of the top 10 providers of professional mortgage services in Hong Kong. We offer: a loan amount of 100% of increase in property value; exemption from income proof and stress test; zero default interest for early settlement; a flexible repayment period; a loan-to-value ratio of up to 80% of the value of any properties
The repayment period is very flexible and may range from one month to 20 years.
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.
You only need to prepare the following documents: identity documents (e.g. Hong Kong Identity Card, passport or Home Return Permit), proof of address (e.g. recent demand for rates or management fee bill), monthly bank statement over the last three months or a facility letter issued by a financial institution.
Yes. To ensure the delivery of high-quality, reliable and statutory mortgage services, we have commissioned a reputable law firm in Admiralty to handle the applications for us.
Usually, you can get your loan within 24 hours.
Yes, you can apply for loans even if you are self-employed or have no proof of income document.
Yes, you can do so as long as all the stakeholders agree to be guarantors.
Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.
For interest-only repayments, borrowers pay the monthly interest and are only required to repay the principal in full after the end of term; meanwhile, a monthly principal-and-interest repayment includes both the interest and the principal, just as how mortgage repayments to banks are made.
PRC residents are eligible for loan applications by providing their identity card and passport as well as the information of their Hong Kong property.
Yes, you can. We accept loan applications on properties of any types and ages, including private domestic apartments, HOS flats whose owners have paid the land premium, tenement buildings, village houses, shops, industrial and commercial properties and car park spaces. You can easily convert the value of any properties into cash.
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 off the official loan contract.
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Related personal loan services are provided by EasyLend Finance Company Limited, a partner of Hong Kong Finance, and only accept online applications.
