Owners Loan

Target valuable customer
Service provide to all property owner(s) (accept half or partial ownership owner(s))

Product features or Join Tenant
Accept Joint tenant; single owner application
Loan amount up to 2 million (HK$2,000,000)
As low as 0.8% monthly flat rate (APR from 9.6% to 36%)

Payment choice
Accept repayment interest and principle by equal monthly installment; provide flexibility for long term and loan consolidation

Or short term repayment of only interest and settlement upon maturity

It will serve pressing short term needs tenor from 3 to 120 monthly installments

Smart approval
No income proof is required
Credit report is not crucial in credit assessment
Accept negative record(s) application
Instant approval (application with required document before 11:00am)

Processing procedure
Application submitted via phone in/fax/web/email/SMS =>  property address =>  initial approval in 15 minutes => submit required documents via fax/email/branch => disbursement in 24 hours
(application with required document before 11:00am)

Required documents
HKID card
Residential proof
Bank or financial institution repayment statement
Property rent and rate demand note (if any)

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Public Housing Tenant loan

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Target valuable customer
Registered tenant in Public Housing and HOS

Document required
HKID Card
Public utilities bills; tenancy agreement OR
Move in notice issued by Housing Authority

Product features
No income assessment required
Tenor from 6 months to 18 months
As low as 0.8% monthly flat rate (APR from 9.6% to 36%)
Instant approval HK$10,000 up to HK$50,000

Application
Accept application via phone in/fax/web/email

Processing time
With required document submitted,shortest approval time could be 15 minutes,and cash disbursement within 30 minutes

* If and when any early settlement arrived, all interest and fees being collected exceed Chapter 163 (Money Lenders Ordinance Part IV Clause 24.1), the exceed portion will be refund to the prescribed borrower.