Without any fees, legal fees and valuation fees*
GICL works with reputable solicitors in Central to ensure that mortgagees receive high-quality and reliable mortgage services.
Step 1 Call, fax, online application, Whatsapp or visit the company application
Step 2 Provides documents immediate for approval
Step 3 The fastest withdrawals within 5 hours
Customer Service Officer will immediately conduct a preliminary examination and approval in accordance with the basic information provided by the owner.
Interest-only: Before the maturity date, repayments only include the interest. The principal has to be paid off when the loan matures.
“Declining balance method” is a calculation of interest. The loan balance will be reduced as each installment is paid. Interest will be calculated on the loan balance after each repayment.
We accept over 5 years deed of gift for the application.
Yes, the joint owners of the property subject to the consent of all loan applications. By one of the owners / trustees application process at the time of application, and the signing of a formal loan agreement, all joint owners of the property shall be the law firm to complete the formalities.
Yes, we accept application for joint tenancy property only if the probate procedures are completed; we can arrange lawyer if needed.
Yes. If you are GICL customers, we will set up a revolving credit facility account to you and reducing the re-approval procedures to help faster cash flow.
Customers can sell the property at any time during the contributions, without the need to obtain the consent of by GICL.
Yes. Regardless of age, pledgeable properties include private houses, tenement buildings, small houses, village houses, commercial properties, factories, office buildings and parking spaces.
The basic application criteria for GICL personal loan are that the applicant must be a Hong Kong permanent resident aged 18 or above and have regular employment.
In general, GICL will check on the customer’s credit report which will serve as part of the assessment for loan application.
“Declining balance method” is a calculation of interest. The loan balance will be reduced upon each installment repayment. Interest will be calculated on the basis of loan balance after each repayment.
No. GICL will not charge any handling fees.
Never. In accordance with the terms of the Personal Data (Privacy) Ordinance, all your information will be kept strictly confidential.
You can apply GICL personal loan online.
- Hong Kong Identity Card
- Income proof, e.g., payroll slip, tax demand note, monthly bank account Current Residential proof
- Bank statement
- Any other documents or certificates deemed appropriate
Yes. We will make an exemption for the applicant subject to individual cases.