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.
You’ve worked hard to pay off your mortgage, but now that you're retired, you want to start a business or help your children with a down payment for their own home, only to find yourself "property rich, cash poor." Since you no longer have a steady income, you want to cash out your equity but can't pass the bank's stress test?
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.
Second mortgage debt consolidation to significantly reduce monthly repayment pressure.
Struggling with minimum payments?
Debts are snowballing and interest is piling up!
Is debt repayment eating your salary and ruining your quality of life?
Leverage your home equity for a large cash-out to consolidate debts. No age or building age restrictions on first mortgages; unlock substantial capital to ease your repayment burden.
Retain your bank's low-interest first mortgage benefits while easily cashing out to clear high-interest external debts. Second mortgage options available for all property types.
Home Ownership Scheme (HOS) units with unpaid premiums are also eligible. Convert high-interest credit card debt into a low-interest mortgage for effortless debt restructuring.
Leverage your parking space for a cash-out debt consolidation. With simple procedures, we provide you with an additional flexible path to clear your debts.
Consolidating multiple high-interest debts into a single lower-interest mortgage can significantly reduce interest expenses and monthly repayments.
We offer specialized HOS owner loans with a streamlined application process, helping you consolidate debt with ease.
Yes. Parking spaces serve as high-quality collateral, offering a simple and efficient way to cash out through a mortgage for debt consolidation.
We value your assets more than your credit history.
Unlock equity from any property—private, industrial, or village houses—even with a low credit score. Our first mortgage plans bypass age limits to deliver high-loan amounts fast.
Maintain your current first mortgage and cash out with ease. Our flexible second mortgage plans accept any property type, even with a poor credit score.
Leverage your parking space assets with our simple and convenient process to unlock high-value liquidity with ease.
Absolutely possible. Global credit approval is very flexible, even if TU is poor, as long as there is appropriate collateral, it can be applied for.
No need. We waive the income proof and stress test, primarily assessing the value of the collateral itself to provide you with the most convenient service.
Sure, we have specially designed Home Ownership Scheme owner loans to help HOS homeowners easily cash out and settle their debts.
Express approval and same-day funding to resolve your urgent financial needs.
Unexpected medical expenses, home renovation over budget, or sudden business payments? We understand your anxiety about needing cash urgently. Traditional banks have complicated procedures and long waiting times—it can take a whole week just to submit all the documents. That’s too slow when you need help right away!
Make good use of existing properties to unlock large amounts of capital, with excellent interest rates, flexible repayment periods, and easy cash flow management.
Maintain the original bank's low-interest mortgage offer, and easily unlock cash by leveraging property appreciation potential.
Home Ownership Scheme (HOS) units with unpaid premiums are also eligible. Convert high-interest credit card debt into a low-interest mortgage for effortless debt restructuring.
No collateral required, simple procedures, rapid approval, suitable for individuals without property to quickly cash out for emergencies.
Leverage your parking space assets with our simple and convenient process to unlock high-value liquidity with ease.
As long as you submit the basic documents, GICL can approve your application as early as the same day and arrange the loan within 24 hours, helping you resolve urgent needs.
No need. We waive the income proof and stress test, primarily assessing the value of the collateral itself to provide you with the most convenient service.
Absolutely. Our second mortgage loans are not limited by property type; whether it's a private residence, tong lau, village house, or even commercial property, applications are accepted.
Yes. Parking spaces are also high-quality collateral, and GICL offers exclusive parking mortgage plans to help you easily cash out.
Bricks turn into pension, enjoy a prosperous retirement life.
You’ve worked hard to pay off your mortgage, but now that you're retired, you want to start a business or help your children with a down payment for their own home, only to find yourself "property rich, cash poor." Since you no longer have a steady income, you want to cash out your equity but can't pass the bank's stress test?
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.
Maintain the original bank's low-interest mortgage offer, and easily unlock cash by leveraging property appreciation potential.
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.
GICL can help you close deals on properties, quickly approve mortgage loans, and avoid losing deposits due to cancellations.
Yes. As long as you meet the bank's approval criteria, you can transfer the mortgage to the bank at any time in the future. Global Trust offers short-term loan plans, and early repayment does not incur any penalties.
Absolutely. Our mortgage loan properties are not limited in type; whether it's private housing, parking spaces, tong lau, village houses, or even commercial properties, all can be applied for.
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.
