Urgent need for cash flow? GICL offers flexible first mortgage loan services. Whether it's for property completion, refinancing, or remortgaging, we provide loan amounts up to 80% of the property valuation, helping you cash out instantly to realize your plans.
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
Cash Disbursement
Credit Rating (TU)
Property Age / Property Type
Early Repayment
Loan-to-Value (LTV) Ratio
3–6 months’ payslips, bank statements
2 Months
15-Minute Preliminary Approval*
15-Minute Preliminary Approval*
24-Hour Cash Disbursement*
A "First Mortgage Loan" is the primary loan secured by a property. This includes new purchase mortgages or refinancing an existing property that is currently debt-free.
相對而言，「二按」（Second Mortgage Loan）則是在物業已有一按的基礎上，再申請第二筆貸款。由於一按是首位債權人，風險相對較低，因此一按的利率通常比二按更優惠，還款期也更長（長達240期)。
傳統銀行的First Mortgage多採用 H 計劃或 P 計劃（H+/P-），目前實際年利率大約介乎 3.5% 至 4.5%；而財務公司First Mortgage因審批條件較寬鬆且承擔較高風險，年利率可低至 8%，具體息率會因應個別個案的風險評估而定。
此外，為了滿足不同業主的財務調配需求，現時部份財務公司為吸引客戶更會提供轉按服務，甚至推出低至 9.8% 的轉按迎新優惠，讓業主可以輕鬆減低利息開支，同時靈活套現周轉。
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
With GICL, you can apply in the name of just one owner or a trustee. All joint owners are only required to sign during the formal execution of the loan agreement.
No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.
Individuals over 65 can apply as long as they have a guarantor with working capacity. If they are over 65 and can still prove their working capacity, they can apply on their own.
Since GICL's first mortgage loan waives income proof, self-employed individuals, those without income proof, or retirees can all apply.
Yes. Clients can choose to draw down in stages. GICL also offers revolving credit facilities for maximum flexibility.
Yes. Owners are free to sell the mortgaged property at any time without prior consent from GICL.
貸款額度主要視乎物業的估值與類型。財務公司的First Mortgage審批較銀行更有彈性，一般最高可達物業估值的 7 成至 8 成。不論是私樓、村屋、唐樓或工商舖，只要物業具市場價值，均有機會獲批充足的大額資金。
財務公司的審批流程非常高效。由提交齊備文件起計，最快可在 15 分鐘內獲知初步審批結果；一經落實及辦妥法律程序，最快可於 24 小時內成功提取貸款，極速解決急切的周轉需求。
可以。 如果您在購買物業時，銀行批出的First Mortgage成數不足以應付首期（例如銀行只批 6 成，但您需要 8 成），您可以同時向財務公司申請二按（即「一二按同步」），以填補首期資金缺口，順利上車。
可以。 如果您現有的First Mortgage尚未供完，但物業隨市場升值，或者您已經償還了部分本金，您可以申請「加按」或「轉按套現」，將物業的剩餘空間及升值部分轉化為現金融資。
這視乎貸款機構的政策。傳統銀行必定會查閱及登記 TU；而財務公司的First Mortgage Loan審批主要看重物業本身的價值，部分機構審批較具彈性（甚至不查閱 TU）。只要準時還款，一般的物業貸款申請並不會對您的信貸評級造成負面影響。
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.
