Carpark Mortgage - GICL 環球信貸

GICL

5 Major Features of GICL Car Park Mortgage

Idle parking spaces can also be easily cashed out! Global Credit offers flexible and convenient parking space mortgage services to help you maximise the value of your parking spaces and meet your funding needs anytime.

No Income Proof Required

This is our biggest advantage. Whether you are self-employed, a retiree, or unable to provide payroll slips, as long as the car park holds value, we will approve it, saving you from complicated bank reviews.

Completely Fee-Free

We offer complimentary legal and valuation fees, along with a waiver of handling fees, minimizing your investment costs.

Up to 70% Mortgage Ratio

In line with the HKMA's relaxation of non-residential property mortgages, we offer high loan-to-value (LTV) loans, significantly reducing your down payment burden.

Flexible Repayment

Features a revolving standby credit line where interest is calculated on the reducing principal balance, allowing for more flexible fund deployment.

All Vehicle Types Accepted

Applications are accepted not only for private car parks but also for lorry and motorcycle parking spaces.

Market Insights

Investment Case Study:
How to achieve "Self-Sustaining Investment"?

According to the latest transaction data, car park prices in core residential areas (such as Tseung Kwan O and Tsuen Wan West) have stabilized, and transaction volumes in luxury residential areas have increased by nearly 20% year-on-year.

Exacerbated Supply-Demand Imbalance:
EV Parking Spaces Become the New Favorite

With the popularization of electric vehicles, high-quality parking spaces equipped with charging facilities have become highly sought-after targets. The rental yield of such parking spaces is expected to outperform the broader market, making it a key investment focus in 2026.

Lowered Mortgage Threshold:
Easier Down Payments.

Benefiting from the relaxation of the mortgage ratio to 70%, the entry threshold for investors has been significantly lowered. In the past, a 40-50% down payment was required, but now capital deployment is much more flexible.

The
"Price Drop,
Volume Rise"
Signal.

A "buy the dip" trend has emerged in the market. Many savvy investors are taking advantage of the current low car park prices (down about 30% from the peak) and utilizing high-ratio mortgages to lock in assets.

Application Process

Complete Your Application in a Few Simple Steps

1-Minute Online Application

Fill out our online form or submit documents via WhatsApp/Email for a fast and easy start.

15-Minute Preliminary Approval*

Processed instantly by our specialists, with preliminary approval results available in as fast as 15 minutes.

24-Hour Cash Disbursement*

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.

Mortgage services are available during office hours from Monday to Friday, excluding Saturdays, Sundays, public holidays, or unless otherwise announced; however, the actual approval and cheque issuance times will be subject to the approval status of each individual mortgage application by our company.

Case study

Self-Sustaining Investment

Scenario: A parking space with a market valuation of HK$1,500,000, generating a monthly rental income of approximately HK$3,500.

Down Payment Required

Income review

Target Audience

Traditional Banks

(50% mortgage)

HKD $750,000
(Higher Entry)

Mandatory

High-income fixed-salary employees

(30% mortgage)

HKD $450,000
(Significantly Lower Entry)

Waiver Available / Flexible

Investors, Retirees, and Self-employed

*The above data is for reference only; final approval is subject to individual circumstances.

Client Testimonials

Discover the Real Stories of Our Satisfied Customers

Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.

Bank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.

Facing the double squeeze of delayed customer payments and supplier chases, banks scrutinize property top-ups harshly, demanding extensive financial reports that are too slow to help in emergencies. Fortunately, GICL offers a flexible second mortgage solution, waiving income proof and stress tests, successfully unlocking cash to instantly resolve my cash flow crisis.

Mr. Wong F&B Entrepreneur

Mr. Law Garment Industry Business Owner

Car Park Mortgage

FAQ

An independent car park has its own independent title deed and can be bought, sold, or mortgaged separately. GICL can offer up to a 70% mortgage for these. A joint deed car park must be bought and sold together with the residential unit, and usually requires a residential mortgage application.

在 GICL 申請非常簡單，只需提供身份證明文件、住址證明及車位相關文件（如買賣合約）。毋須提供入息證明或稅單。

The maximum repayment period for general bank car park mortgages is usually 15 years. GICL offers a more flexible repayment plan depending on customer needs and property conditions.

Liquidity without the wait.

Unlock Property Equity – Apply for Rapid Liquidity Now!

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.

Apply Now

15-Minute Preliminary Approval

No Income Proof Required

No stress test