Loan Type

Loan Type

Property Transactions

Approaching the transaction day, some property owners are not able to have bank mortgages approved on time. So to avoid losing the security deposit, clients can apply for help by simply submitting their documents three days in advance. Whether or not clients intend to have their mortgages transferred to a bank, an early settlement of loans will not result in interest penalties.

First Mortgage

When applying for a first mortgage loan, clients are only required to submit a property title deed – proof of income is not required. With no limits set for loan amounts, clients may borrow up to 70% of a property’s valuation. GICL approves properties of all types and ages.

Second mortgage

Second Mortgage is an option for clients who require capital even though an existing mortgage has not been completely paid off. Second Mortgage helps applicants obtain capital for business purposes, to realize a dream or to pay off credit card debts. What’s more, applicants aren’t required to pledge their property as collateral, plus mortgage loans will remain with the existing bank. Loan amounts can be as high as 70% of a property’s valuation.

Mortgage Loan Transfer

Faced with the pressures of interest payments from mortgage loans with other financial institutions, clients can transfer their mortgage loan to GICL by submitting their loan contract, enjoying interest rates guaranteed 20% lower than the original lender. Offering a significant reduction of interest payments, clients can settle credit card debts and unravel the heavy financial burdens to get back control over their expenditures.

Loans for Properties under the Home Ownership Scheme

This convenient solution is designed for owners of HOS flats who have not paid-off their land premiums, enabling access to a sizeable loan amount without the need to pledge the leasehold deed as collateral. With an easy and simple application process, clients can quick obtain capital to clear out credit card debts or for other purposes.

* SME Loan

GICL provides a flexible, low-interest loan service to small business owners. Interest is calculated on the draw-down amount on a daily basis. Preferential interest rates minimize the costs. Reserved revolving credit facility offered on a standby basis to a customer. Whether it is a private housing, residential building, tenement house, village house, villa, office building, industrial building, retail shop, a parking space or land, as long as you are the owner, you’ll be able to easily obtain cash.

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* Terms and conditions may vary according to the selected mortgage plan, please call the customer service department for details.

Personal Loan

AirPin personal loan offer a maximum loan amount of up to HK$300,000. For various professionals such as doctors, solicitors, teachers etc., loans can amount to HK$500,000 with preferential interest rate. There is no worry to handling fee charged. Early repayment is easy and hassle-free which enables you to repay at any time without paying penalty or other handling charges. To suit your repayment needs. The entire application procedure is processed online immediately. All data is encrypted before transmission, keeping you safely protected with ease and against .

AirPin personal loan offers flexible repayment tenors from 6 months up to 72 months with personalized interest rate ranging from as low as 0.59% monthly flat rate.

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By opting for AirPin personal loan:

* Monthly interest is calculated and based on a loan amount of HK$10,000 with a monthly flat rate of 0.59% (Annualized Percentage Rate of 12.1%), repayment period of 6 months with a monthly instalment of HK$1,725.00. The total cost of the loan is HK$350.00.

The above example is for reference and simulation purposes only. GIC’s AirPin provides personalized interest rate to the applicable customers, and in accordance with the Money Lenders Ordinance, the annualized percentage rate does not exceed 60%. The final personalized interest rate varies according to the customer’s financial position. GIC’s AirPin personalized interest rate plan is only applicable to those who meet the financial position to be approved by Global International Credit Group Limited (“the Company”). This promotion is subject to the relevant terms and conditions. For detailed information, please contact our customer relationship officer at telephone no.3575 1099. In case of dispute, the decision of the Company shall be final and conclusive.

Property Owner Loan

We offer HOS flat owner without title deeds can receive loan amounts up to HK$600,000 to consolidate your existing debt with a low interest rate and a flexible repayment period, we can help relieve your debt burden.

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By opting for AirPin personal loan:

* Monthly interest is calculated and based on a loan amount of HK$10,000 with a monthly flat rate of 0.59% (Annualized Percentage Rate of 12.1%), repayment period of 6 months with a monthly instalment of HK$1,725.00. The total cost of the loan is HK$350.00.

The above example is for reference and simulation purposes only. GIC’s AirPin provides personalized interest rate to the applicable customers, and in accordance with the Money Lenders Ordinance, the annualized percentage rate does not exceed 60%. The final personalized interest rate varies according to the customer’s financial position. GIC’s AirPin personalized interest rate plan is only applicable to those who meet the financial position to be approved by Global International Credit Group Limited (“the Company”). This promotion is subject to the relevant terms and conditions. For detailed information, please contact our customer relationship officer at telephone no.3575 1099. In case of dispute, the decision of the Company shall be final and conclusive.

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