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.
Hard to pass bank stress tests without standard payslips, tax records, or MPF.
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。
Need fast cash for stock, renovations, or emergencies, but banks take weeks to approve.
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。
Rejected by traditional banks due to late payments, high card balances, or past bankruptcy.
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.
Property loans are financing solutions secured by real estate. Any owner with a legal local title—including private, HOS, public housing, village houses, or commercial shops—can unlock their property's equity or market value for flexible cash flow.
Property loans are highly versatile. Based on your repayment progress and funding needs, they include these core products:
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
Your loan limit depends on the property's market value and your current mortgage balance. GICL offers flexible options, with the combined LTV ratio (1st + 2nd mortgage) going up to 80% - 90% of the valuation.
Rates are flexibly assessed based on your property type, loan priority (1st/2nd), and overall risk profile. Interest rates start as low as 8% p.a.
No. We use practical approval standards, completely waiving standard documents like tax notes, payslips, and MPF. We are also not restricted by rigid HKMA stress tests.
Yes. GICL accepts various non-traditional assets that banks usually reject or heavily scrutinize—including premium-unpaid HOS/public housing, old tenements, village houses, single blocks, parking spaces, and commercial shops. We unlock the cash value of all your assets.
We offer express processing. Get a preliminary result within 15 minutes of submitting basic property details. Cash can be wired to your bank account within 24 hours once finalized.
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.