*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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Huang Sheng, who is currently working as a truck driver, needed emergency surgery due to a traffic accident. In order to raise funds to pay for her husband's surgery, Mrs. Wong borrowed cash from multiple credit cards in desperation. Faced with high interest rate debt and the fact that her husband was unable to go out to apply for a loan because he was hospitalized, Mrs. Huang felt helpless. Fortunately, Huang Sheng and Mrs. Huang had bought a Home Ownership Housing flat in their early years. Although the land price was not paid, Hong Kong Credit's "Private Loan for Public Housing Owners" provided express funds to Huang Sheng and Mrs. Huang. Although Huang Sheng was unable to leave the hospital to complete the application procedures, he could still apply for a loan in the name of an owner. In addition to paying off high-interest debt, you will also have spare cash to cover future emergency medical expenses.
Ms. Chen is engaged in a small jewelry retail business. Due to the sharp decrease in business volume in recent months, in order to pay rent and maintain business operations, she applied for funds from multiple private lending institutions and finally successfully obtained a loan of $200,000. However, after a few months, the personal loan amount could not be increased, and the high interest expenses made Ms. Chen overwhelmed. When Ms. Chan was looking for a way out, she discovered that Hong Kong Credit provided "Private Loans for Home Owners of Public Housing Housing", with a loan amount of up to $2 million approved. Integrating high-interest personal loans to improve credit ratings while providing more flexible funds, with interest calculated only when used, greatly reducing Ms. Chen's burden.
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.
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.
Usually, you can get your loan within 24 hours.
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.
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.
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.
Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.
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.
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.
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 to handle the applications for us.
Usually, you can get your loan within 24 hours.
Yes, there is no age limit for loan applications. You can apply anytime without having to submit any proof of income document.
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.
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.
HOS and Public Housing Homeowners who have not paid the land premium are welcomed to apply without having to pledge their property.
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.
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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Related personal loan services are provided by EasyLend Finance Company Limited, a partner of Hong Kong Finance, and only accept online applications.
