You can apply for the Company's loan services through the following ways:

- The applicant's Hong Kong identity card (non-Hong Kong residents must present a valid passport or identity document)
- Employment and income proof (exemption subject to the applicant's situation)
- Proof of address of a recent month
- In case for application of mortgage or personal loan for home owners, the mortgage repayment record of the recent month, repayment table and rates demand note must be provided

(Other documents may be required for some applications. For details, please directly consult our Customer Services Officer)

Yes, you can. The Company will consider an exemption of employment or income proof according to the actual circumstances of some applicants. The Company's personal loans for home owners are set up especially for owners and mainly relate to property value as consideration for approval. As long as you are a home owner, even if you are a housewife, unemployed or retired, you may successfully obtain approval.

Yes. As long as they own a Hong Kong property, they are qualified to make an application.

The interest is calculated on a daily basis without any hidden charges, and no penalty for early repayment will be charged, with clear interest expenses.

The flexible mortgage loans provided by the Company, even with a loan-to-value ratio up to 90%, do not require the clients to pay mortgage insurance premiums, with the credit risk borne solely by the Company. Application procedures are very simple. The services can help clients save mortgage insurance premium expenses up to 4.35% of the loan amount (see Premium Payment in Lump Sum of Version September 2012 for reference).

Yes, we accept local property of any age, including residential buildings, village houses, tenement houses, HOS flats with premiums paid, offices, shops, industrial or commercial properties or parking spaces.

Under normal circumstances, mortgages can be applied for if the Deed of Gift is held for 5 years. However, the Company will handle the special circumstances flexibly and accept applications in cases of less than 5 years.

Yes, the approval of all owners of jointly held property must be obtained to make an application for a mortgage. When applying to the Company, one of the owners/trustees can go through the application formalities and all owners must be present in person when a formal loan agreement is executed so that the loan procedures can be completed.

If one of the owners desperately needs cash funding whilst the other joint owner cannot execute the mortgage document as he/she is abroad, the Company can also provide the owner in Hong Kong with a "personal loan for home owners" in an advance manner, allowing him/her to withdraw some loan capital. The remaining loan amount will be withdrawn after the other owner returns to Hong Kong and executes the mortgage documents—simple and convenient.

Yes, but the probate registration procedures must be properly conducted; the Company can arrange a lawyer to handle such procedures as an agent. Under exceptional circumstances, the Company will also approve a part of a loan before the probate registration procedures are properly conducted.

No, according to the Ordinance of the Housing Authority, except with the approval of the Housing Authority Director, owners shall not mortgage / re-mortgage (second mortgage) their property within the restricted term or in case of unpaid premiums after the restricted term, as this is deemed illegal. Therefore, you must be highly cautious when applying for a loan for a HOS flat with premiums not paid. You must know if relevant loans have been mortgaged or registered on the land registration record of such property. What the Company provides to the owners of HOS properties is a property owner’s private loan which doesn’t require any registration.

We generally provide an initial approval within 30 minutes.

Yes, the Company reserves standby credit facilities for clients of first mortgages; the reserved standby credit facilities are free of withdrawal fees and interest charges.