Information Center

Loan consolidation rejections are common, and a poor credit score is often one of the main reasons.

This article breaks down the reasons why loan consolidation applications are rejected, banks' requirements for TU credit ratings, and what you need to know before applying...

What is a 'Ding Chai' (Property Encumbrance/Charging Order)? An overview of consequences, land search methods, and the removal process.

This article gives you a comprehensive breakdown of what property encumbrance (釘契) means, the consequences of it, Land Registry land search steps, and the encumbrance removal process...

Can you still get a mortgage for a gifted property or a property without title deeds? A look at the 5-year restriction, ownership risks, and alternative solutions.

What are the risks of getting a mortgage for a gifted property (送契樓) or a property without title deeds (無契樓)? This article analyzes the 5-year bankruptcy clawback period for gifted properties...

What is a Title Deed? The Complete Guide to Hong Kong Property Deeds (Originals, Copies, Ownership, and Mortgage Relationships)

A Complete Guide to Original vs. Copy Title Deeds, Storage Methods, and Remedies for Lost Title Deeds

How much is lost in a cancelled transaction? What to do if the bank fails to approve your mortgage on time? A 3-day short-term first mortgage bridge solution

As the completion date approaches, the mortgage has yet to be approved by the bank. Defaulting on the purchase could mean forfeiting your deposit or even being sued for the price difference upon resale. This article...

Is Reverse Mortgage a Rip-off? Uncovering 6 Drawbacks, Exit Costs, and Alternative Solutions

Are reverse mortgages a rip-off? From an educational perspective, this article breaks down 6 key drawbacks of reverse mortgages, exit...

The Complete Guide to Commercial and Industrial Property Mortgages: Detailed Breakdown of Industrial Building LTV Ratios, Loan Tenures, and Application Requirements

A comprehensive guide to the latest mortgage policies for commercial, retail, and industrial properties—including a detailed breakdown of loan-to-value (LTV) ratios for industrial buildings...

A Quick Guide to Buying and Selling Bank-Repossessed Properties: A Detailed Breakdown of Mortgages, Risks, and Key Considerations

Want to know what a bank-repossessed property is? This article explains the buying and selling process, key mortgage considerations, and potential pitfalls...

Can you apply for a private loan for property owners without proof of income or a stable salary? A detailed breakdown of eligibility criteria, the application process, and interest rates.

Can you get a loan without proof of income or with an unstable income? This article explains the eligibility criteria and process for private loans for property owners...

Corporate Mortgage Guide: Holding Property in a Company Name, Guarantors, and Application Documents

Corporate Mortgage Guide: How to Apply for a Mortgage for a Property Held in a Company Name? Properties held by a limited company…

Information Center

Property Valuation

Mortgage Calculator