Being a popular property investment market, the sales processes, payment methods, and mortgage requirements in Hong Kong may be different from other countries. This article highlights key points to note for Mainland and overseas buyers seeking to purchase first-hand properties or arrange a mortgage in Hong Kong.
Read More
What are the implications of a cash payment plan versus stage payment plan when buying a first-hand property? What are the risks of buying an uncompleted property? Watch this video to understand the key considerations you need to keep in mind when making decision.
Read More
Learn how to budget a purchase of second-hand HOS flat with unpaid land premium, and understand the relationship between building age, Loan-to-value (LTV) ratio and mortgage loan tenor.
Read More
Confused about the requirements for a high loan-to-value ratio mortgage? Can double pay, bonuses and commissions be counted as income? How can we plan the budget? Let the mortgage experts answer these questions for you!
Read More
When applying for a mortgage loan, you may notice there are HIBOR-based, prime-based and fixed-rate plans. What are the differences, and how do you choose between them to suit your budget and save interest? What are the key points to consider in a changing economic environment?
Read More
With a deposit-linked mortgage repayment plan, home owners can earn higher deposit interest to offset part of their mortgage interest expense. Do you know that, along with borrowers, other related parties can be qualified to enjoy a higher deposit as well?
Read More
Home owners can take advantage of property value appreciation to cash out money. This article provides some tips on how to cash out wisely using lower interest rates.
Read More
Wonder how much of a down payment is needed to buy your desired property? Here we will explain the loan-to-value (LTV) ratio and debt-to-income (DTI) using different scenarios, with analysis on the points to note for different income types.
Read More
8 steps to help you through the process of buying a property and applying for a mortgage
Learn moreRead our checklist for documents required for your mortgage application.
Learn more
Talk with us
Book an appointment with our mortgage specialists at your nearest Mortgage Centre or branch.
Book an appointmentOr call (852) 2748 8080