The HOS Homeowner Loan possesses all the characteristics of a standard homeowner loan, specifically targeting HOS owners with unpaid land premiums, allowing them to quickly cash out and obtain large amounts of funds. GICL offers swift approval for HOS loans, and some plans even waive the income proof requirement, allowing HOS owners to resolve their financial needs more easily and flexibly.
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
Stress Test
Credit Rating (TU)
Professional Fees
Mandatory and stringent
Generally weeks
Mandatory requirement
Strict vetting standards
Borne by the client
Waiver available (Case-by-case)
Fast-tracked (as quick as 5 hours)
No stress test
Flexible Assessment
Full Waiver
A homeowner loan (also known as a homeowner personal loan) is a personal loan product exclusively designed for property owners. It works by using the property as collateral to borrow money from a finance company for cash flow.
The biggest advantage is that as long as you are an HOS owner who has not paid the land premium, you are eligible to apply. Similar to general property mortgages, the lending institution calculates the loan amount based on the valuation of the applicant's property. Therefore, the approved amount is usually higher than a standard personal loan, making it a popular large-scale cash flow solution for homeowners.
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
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.
In addition to the original mortgage loan (first mortgage) on the HOS flat, owners of premium-paid HOS flats can apply for a second mortgage to cash out at any time. No property deed is required, there is no property age limit, applications with any credit rating are accepted, and there is no penalty for early repayment. For the repayment amount and interest rates, please refer to the HOS loan mortgage calculator below.
No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.
居屋業主可隨時在供款期間自由地出售已抵押的居屋，不需要事先得到GICL環球信貸集團有限公司同意，並以成交日作為截數日，盡快計算全數的還款。
HKID card, proof of address, etc.
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.
