Application Guideline:


No stress test

No restriction on property age
Residential property:
Current Market Value: <80%
Annual interest rate: 10-12%
Non-residential properties: shop, industrial building, commercial building, parking space
Apprised Value: <60%
Smart Homeowner Loan
智能家居業主貸款

申請準則:


無須壓力測試
不限樓齡
住宅
最高市價:<8
年利率:10-12%
非住宅類物業:地舖,工廈,商廈, 車位
最高估價:<6

A perfect way to finance your home renovation is by taking out a home equity loan, also known as a second mortgage. This is a one-time loan, so it’s not subject to fluctuating interest rates, and monthly payments remain the same for the loan term.


​為您的房屋裝修融資的一個完美方式是安排額外貸款,也稱為二按。這是一次性貸款,因此不受利率波動的影響,貸款期限的每月付款保持不變。


We offer borrowers smart finance options for borrowing against land and buildings and pride ourselves on our professional friendly service, competitive interest rates, flexible loan terms, quick turn-around and minimal paperwork


我們為顧客提供智能融資方案,並以我們專業友好的服務,有競爭力的利率,靈活的貸款條件,快速周轉,减少文件需求