1st, 2nd & Refinance Loans
Fast Track Your Funding
Mortgage loans up to 80%, Annual interest rates as low as 8%, Special revolving standby credit line
Borrow even if the land premium hasn’t been paid. No penalty interrest for early repayments
Fill out our online form or submit documents via WhatsApp/Email for a fast and easy start.
Processed instantly by our specialists, with preliminary approval results available in as fast as 15 minutes.
Sign the contract in person in as fast as 24 hours.
Get your cash cheque on the same day to instantly resolve your cash flow needs.
As Hong Kong’s third-largest licensed money lender, Global Credit has substantial capital reserves that far exceed those of typical small finance companies. We adhere to principles of compliance and transparency, with clear terms and absolutely no hidden fees, providing you with a stable and reliable financial backing.
By leveraging advanced fintech to streamline the approval process, you can apply online and, once approved, receive cash in as fast as 24 hours—promptly meeting your liquidity needs without delay.
More flexible and simpler approval process compared to banks!
Unstable self-employment? No proof of income? Too old?
GICL can tailor a plan specifically for you, helping you manage your funds flexibly and making repayment easier and more convenient.
無常規糧單、稅單或 MPF，難以通過銀行繁複的收入審查及壓力測試。
GICL 方案：全面免收常規入息證明。只要持有本地合法物業，即可輕鬆套現靈活週轉。
急需資金入貨、裝修或應付突發大事，無法等待銀行動輒數星期的漫長審批。
GICL 方案：免動用一按樓契，程序極簡。提供最快 15 分鐘初步批核、24 小時特快放款。
曾延遲還款、卡數過高或有破產解除紀錄，因而直接被傳統銀行拒諸門外。
GICL 方案：絕不單看 TU 評級，着重物業市場價值。全力助您透過一二按整合大額債務，減輕負擔。
GICL is a subsidiary of a Hong Kong Main Board–listed company (stock code: 1669) and ranks among the top three licensed money lenders in Hong Kong. Backed by strong capital strength and extensive property mortgage experience, we are committed to professional standards of high transparency and zero hidden fees, providing you with more flexible and reliable financing solutions than traditional banks.
物業貸款泛指所有以物業作為擔保品（抵押品）所獲取的貸款方案。只要借款人名下持有本地合法業權（不論是私人住宅、居屋、公屋、村屋或工商舖），均可利用物業的市場升值空間或現有價值，向金融機構申請靈活的資金週轉。
物業貸款的應用層面極廣，根據業主的還款進度與資金需求，主要涵蓋以下幾大核心產品：
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
貸款額度主要取決於物業的市價估值及現有的按揭結欠。環球信貸提供極具彈性的成數，一按及二按合計最高可達物業估值的 80% 至 90%。
我們的物業按揭/貸款利率會根據物業類型、貸款順位（一按或二按）以及個案的整體風險進行彈性評估。年利率普遍低至 8%。
不需要。我們採取實務導向的審批標準，全面免收稅單、糧單及強積金（MPF）等常規入息證明，亦不受金管局硬性壓力測試的限制。
可以。 傳統銀行不願承接或審批極嚴的未補地價居屋/公屋、高樓齡唐樓、村屋、單幢樓，以至獨立車位及工商舖，環球信貸均一律接受申請。我們會為各類非傳統物業提供專業估價，助您活化各類型資產。
環球信貸以特快高效的審批流程見稱。在您提交基本物業資料後，最快 15 分鐘內即可獲知初步批核結果。當雙方落實條款並辦妥簡便手續後，大額現金最快可於 24 小時內直接轉賬至您的指定常規銀行賬戶。
GICL provides the most flexible mortgage solutions. Whether it's a first or second mortgage, refinancing,
No Income Proof Required, No Stress Test Required, secure cash within 24 hours to resolve urgent financial needs.
We offer a free preliminary property valuation service. Please fill out the form below and we will get back to you as soon as possible.