The HOS Homeowner Loan possesses all the characteristics of a standard homeowner loan, specifically targeting HOS owners with unpaid land premiums, allowing them to quickly cash out and obtain large amounts of funds. GICL offers swift approval for HOS loans, and some plans even waive the income proof requirement, allowing HOS owners to resolve their financial needs more easily and flexibly.
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.
Income Proof
Approval Time
Stress Test
Credit Rating (TU)
Professional Fees
Mandatory and stringent
Generally weeks
Mandatory requirement
Strict vetting standards
Borne by the client
Waiver available (Case-by-case)
15-Min Preliminary Approval
No stress test
Flexible Assessment
Full Waiver
A homeowner loan (also known as a homeowner personal loan) is a personal loan product exclusively designed for property owners. It works by using the property as collateral to borrow money from a finance company for cash flow.
The biggest advantage is that as long as you are an HOS owner who has not paid the land premium, you are eligible to apply. Similar to general property mortgages, the lending institution calculates the loan amount based on the valuation of the applicant's property. Therefore, the approved amount is usually higher than a standard personal loan, making it a popular large-scale cash flow solution for homeowners.
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
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.
居屋業主貸款（居屋貸款／居屋業主私人貸款）只需提供入息證明作參考，但並不需壓力測試。
No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.
Owners of Home Ownership Scheme (HOS) flats may freely sell their mortgaged properties at any time during the repayment period without prior consent from Global International Credit Limited (GICL). The completion date of the property sale will serve as the cutoff date to calculate the final outstanding balance for full repayment as quickly as possible.
申請 GICL 環球信貸的居屋業主貸款手續非常簡便，且全面免收稅單或糧單等常規入息證明。您只需準備香港身份證、最近 3 個月內的住址證明、最新差餉或管理費單（僅用作核實業主身份，毋須提交樓契）以及最近 1 至 3 個月的銀行月結單。
The loan amount is comprehensively assessed based on your HOS flat's valuation and financial status. GICL offers highly flexible approvals, with loan amounts up to HK$1.5 Million.
Yes. As long as you are a legal owner who purchased the flat through the government's "Tenants Purchase Scheme" (TPS), you are eligible to apply—regardless of whether the premium has been paid or not.
No. This loan is essentially a personal credit loan tailored for property owners. The entire process requires no property deeds as collateral and will not leave any mortgage or registration records at the Land Registry. Your property ownership and housing eligibility remain completely unaffected.
No. Under the Housing Ordinance, premium-unpaid HOS flats must obtain Housing Department (Housing Authority) approval for conventional top-up or second mortgages with banks. However, our HOS owner loan is a no-collateral, no-encumbrance financing solution. It involves no transfer or pledging of property rights, so absolutely no Housing Department approval is needed.
To greatly ease your monthly financial pressure, we provide highly flexible options with repayment terms up to 120 months (10 years). You can choose a plan based on your monthly income for better budgeting.
Yes. Even if you are still paying off a bank mortgage, you are eligible as long as you are the legal owner. Since this solution does not use up your regular mortgage quota or require property deeds, it does not conflict with your existing bank payments.
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.
