GICL understands that every client's financial situation is different.
No matter what challenges you face, we have corresponding loan products to help you out.
Bricks turn into pension, enjoy a prosperous retirement life.
辛辛苦苦供完層樓，退休後又想創業或者幫仔女「上車」俾首期，但發現手頭上「有磚頭、無現金」？因為退了休無固定入息，想按層樓套現又過不到銀行壓力測試？
Whether private flats, tenement buildings, or village houses, as long as you own property, you can cash out even with a poor TU credit rating.
Make good use of your self-occupied HOS flat to unlock cash—even without having paid the premium, you can apply, easily accessing substantial funds for clearing debts or investing in a new business.
Make good use of idle parking space assets to unlock cash—simple procedures provide extra cash flow for business operations.
Absolutely possible. GICL skips income proof and stress tests, mainly assessing property value to offer flexible cash-out options for retirees with no income.
No, there are no limits. Our first mortgages have no restrictions on age or building age, specially providing flexible cash-out options for seniors and owners of older properties.
Absolutely possible. We offer dedicated loans for HOS flat owners and parking space mortgages—even without premium payment or just holding a parking space, you can easily unlock cash.
二按清數方案，大幅減輕每月供款壓力
每個月清卡數都只是夠還 Min Pay（最低還款額）？
幾張信用卡加埋私人貸款「數疊數」，利息越滾越大！
每個月出糧一大半都用來還債，生活質素大受影響？
善用物業淨值大額套現集中清數，一按不限年齡及樓齡，大額套現助您減輕供款壓力。
保留原有銀行一按低息優惠，輕鬆套現清還高息外債，二按按揭貸款物業不限種類。
未補地價居屋亦可申請，將高息卡數轉化為低息按揭，輕鬆重組債務。
善用車位資產套現清數，手續簡便，為您提供多一個靈活的清數途徑。
可以將多筆高息債務整合為一筆較低息的按揭貸款，大幅減少利息支出及每月供款額。
可以。我們提供居屋業主貸款，手續簡單方便，助您輕鬆整合債務。
可以。車位同樣是優質抵押品，透過車位按揭套現清數，手續簡捷。
我們看重您的資產，多於過去的紀錄
不論私樓、唐樓、工商廈或村屋，只要有物業在手， TU 評級差亦可套現。一按不限年齡及樓齡，極速為您提供大額資金。
保留原有銀行一按，無懼信貸評級低，輕鬆加按套現。我們的二按按揭貸款物業不限種類，極具彈性。
善用車位資產，手續簡單方便，輕鬆套現大額資金。
絕對可以。環球信貸審批極具彈性，即使 TU 欠佳，只要有合適的抵押品即可申請。
不需要。我們豁免入息證明及壓力測試，主要評估抵押品本身的價值，為您提供最便捷的服務。
可以，我們特設居屋業主貸款，為未補地價居屋業主輕鬆套現清外債。
特快批核，即日解決燃眉之急
突發醫療費、屋企裝修大超支、或者生意突然要找數？我們明白您「等錢使」的焦慮。去傳統銀行搞手續繁複又等得耐，交齊文件都要搞成個星期，遠水救不到近火！
善用現有物業套現大額資金，息率特優，還款期靈活，助您輕鬆周轉。
保留原有銀行一按低息優惠，利用物業升值空間輕鬆加按套現。
未補地價居屋亦可申請，將高息卡數轉化為低息按揭，輕鬆重組債務。
無需抵押品，手續簡便極速批核，適合無物業人士快速套現應急。
善用車位資產，手續簡單方便，輕鬆套現大額資金。
只要交齊基本文件，環球信貸最快可於即日完成批核並24小時內安排放款，助您解決燃眉之急。
不需要。我們豁免入息證明及壓力測試，主要評估抵押品本身的價值，為您提供最便捷的服務。
絕對可以。我們的二按貸款不限物業種類，無論是私樓、唐樓、村屋，甚至工商物業均可申請。
可以。車位同樣是優質抵押品，環球信貸提供專屬的車位按揭方案，助您輕鬆套現。
Bricks turn into pension, enjoy a prosperous retirement life.
辛辛苦苦供完層樓，退休後又想創業或者幫仔女「上車」俾首期，但發現手頭上「有磚頭、無現金」？因為退了休無固定入息，想按層樓套現又過不到銀行壓力測試？
Whether private flats, tenement buildings, or village houses, as long as you own property, you can cash out even with a poor TU credit rating.
保留原有銀行一按低息優惠，利用物業升值空間輕鬆加按套現。
Make good use of your self-occupied HOS flat to unlock cash—even without having paid the premium, you can apply, easily accessing substantial funds for clearing debts or investing in a new business.
Make good use of idle parking space assets to unlock cash—simple procedures provide extra cash flow for business operations.
環球信貸可以助你成交物業，極速批出按揭貸款，避免撻訂捐失。
可以。只要你乎合銀行審批條件，日後隨時可以轉按往銀行，環球信提供短期貸款劃，提早清還毋須罰息。
絕對可以。我們的按揭貸款物業不限種類，無論是私樓、車位、唐樓、村屋，甚至工商物業均可申請。
Easily transfer your mortgage to earn better interest rates and flexible funds.
現有按揭利息太高，每月供款壓力大？或者物業已經升值，想套現一筆資金作投資、生意周轉或子女升學之用，但原有財務機構手續繁複、甚至拒絕申請？
Transfer existing mortgages to GICL to secure more flexible repayment options, or cash out any appreciation in property value.
Consolidate loans, concentrate repayments, and reduce interest expenses and monthly payment pressure.
After the parking space appreciates in value, it can also be cashed out through mortgage transfer, which is quicker and easier.
Yes, it is. We will provide a free and professional revaluation of your property to ensure you can fully benefit from its appreciation and obtain the maximum loan amount.
Yes. GICL's approval process waives stress tests and is primarily based on the latest property valuation, making the procedures simpler than traditional banks.
No. GICL has a special expedited approval channel. As long as you submit the basic documents, approval can be obtained as early as the same day, helping you complete the "transfer" procedures as quickly as possible.
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.
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
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.
