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)
最快 15分鐘完成初步審批
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.
HOS Homeowner Loan（HOS Loan／居屋業主私人貸款）只需提供入息證明作參考，但並不需壓力測試。
No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.
Owners of Home Ownership Scheme (HOS) flats may freely sell their mortgaged properties at any time during the repayment period without prior consent from Global International Credit Limited (GICL). The completion date of the property sale will serve as the cutoff date to calculate the final outstanding balance for full repayment as quickly as possible.
申請 GICL 環球信貸的HOS Homeowner Loan手續非常簡便，且全面免收稅單或糧單等常規入息證明。您只需準備香港身份證、最近 3 個月內的住址證明、最新差餉或管理費單（僅用作核實業主身份，毋須提交樓契）以及最近 1 至 3 個月的銀行月結單。
貸款額度主要根據居屋單位估值及財務狀況綜合評估。GICL 環球信貸提供極具彈性的審批，貸款額最高可達港幣 150 萬元。
可以。 只要您是透過政府「租者置其屋計劃」（租置計劃）購入單位的合法公屋業主，無論單位已補地價或未補地價，均符合申請資格。
不會。HOS Homeowner Loan在本質上屬於專為業主而設的私人信用貸款。整個貸款過程中毋須抵押樓契，亦不會在土地註冊處（田土廳）留下任何物業按揭或登記紀錄。單位的整體業權與住屋資格完全不受影響，業主可安心。
不需要。 根據《房屋條例》，未補地價居屋若要向銀行申請常規加按或二按，必須先獲得房屋署（房委會）批准。而HOS Homeowner Loan屬於免抵押、免釘契的業主融資方案，不涉及物業業權的轉讓或質押，完全毋須房屋署批准。
為了大幅減輕業主的每月供款壓力，我們提供極具彈性的財務規劃方案，還款期最長可達 120 期（即 10 年）。您可以根據個人或家庭的每月收入自主選擇，讓理財更有預算。
可以。 即使您的居屋目前仍有銀行按揭在供，只要您是單位的合法業主，依然符合申請資格。由於此方案不佔用您的常規按揭額度，亦毋須動用樓契，因此與您現有的銀行供款完全沒有衝突。
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.
