Personal Loans for HOS and Public Housing Homeowners

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Personal Loans for HOS and Public Housing Homeowners

No collateral required
Loan amount up to HK$1.5 million
Pay off high-interest card debt and Personal loans instantly

No need to pledge your property
No legal fee, valuation fee and administrative fee
No default interest for early settlement
Loan amount up to HK$1.5 million

*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

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Personal Loans for HOS and Public Housing Homeowners to Finance Children’s Overseas Studies

Background: Mr. Wong’s daughter had long been working hard towards the goal of becoming a fashion designer and was accepted into a fashion school in Milan. Unfortunately, as international students were required to pay for the first year’s tuition and miscellaneous expenses in advance, Mr. Wong had to pay for an unexpected expense of around HK$600,000. It placed a heavy financial burden on him. As the land premium of his self-occupied HOS flat had not been paid yet, he faced difficulties applying for mortgages and was at a loss as to what to do.



Solution

Then, Mr. Wong found out about Hong Kong Finance’s Personal Loans for HOS and Public Housing Homeowners online. He was not required to pledge his property and could apply for a loan amount of up to HK$1.5 million. He was instantly relieved when his application was approved on the same day. He could finally help his daughter realise her dream without worries.

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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