At GICL, we fully understand that property owners demand speed and flexibility when managing business cash flow, home renovations, or debt consolidation. We offer bespoke personal loan solutions tailored specifically for Hong Kong property owners, helping you unlock the value of your assets in no time.
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.
Application Threshold
Income Proof
Maximum Loan Amount
Interest Rate Range
Property Title Deed Deposit Required
Approval Time
Must be a local property owner (all property types accepted).
Usually waived (self-employed applicants or those without regular income are eligible).
Up to HK$3,000,000 (not subject to salary-multiplier limits).
Enjoy exclusive preferential low interest rates (with extra benefits granted based on property owner status).
Completely unrequired (no title deed deposit and no Land Registry mortgage registration).
Instant approval (as fast as 15 minutes for approval and 24 hours for funding).
Requires a good credit record (TU) and stable employment.
Must provide (required to prepare tax demand notes, salary payslips, and MPF records)
Lower credit limit (typically capped at 12 to 21 times monthly salary).
Interest rates are generally higher (entirely dependent on individual credit ratings).
Not required (secured purely by personal credit).
Slower (typically takes several business days for review and approval).
A Property Owner Loan (also known as a Homeowner Personal Loan or Unsecured Property Loan) is a specialized personal credit product. Its primary advantage is that loan approvals and high credit limits are granted purely based on your status as a property owner. Unlike traditional first or second mortgages, the process requires no title deed deposit and involves no Land Registry charge (encumbrance). This allows you to release equity and access flexible liquidity while keeping your property ownership completely unaffected.
The Annual Percentage Rate (APR) generally ranges from 8% to 25%, with final interest rates flexibly assessed based on the property owner’s net worth, income, and credit record. Backed by your financial standing as a homeowner, rates are significantly lower than standard personal loans of equivalent amounts available in the market (which typically range from 20% to 40% APR)—helping you manage your finances flexibly at a much lower cost.
Ms. Lam works as an office clerk earning over HK$30,000 per month. A fond shopper of luxury goods, she developed a habit of spending on credit cards, eventually accumulating over HK$400,000 in debt. Struggling to make ends meet, she fell into a cycle of paying off one credit card with another and could only afford the monthly minimum payments. Fortunately, she turned to GME Finance. By leveraging her un-subsidized Home Ownership Scheme (HOS) flat, Ms. Lam secured a high-value Property Owner Loan. This allowed her to consolidate all her credit card debts into a single payment with fixed monthly installments. GME Finance also tailored a flexible repayment tenure that fit her financial situation, instantly relieving her financial burden!
Real stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.
不需要。 業主貸款本質上屬於無抵押私人貸款的一種。我們純粹憑藉您的「物業業主」身份作為良好財力證明的基礎進行審批。
可以。由於 GICL 業主貸款並不涉及物業抵押，亦不屬於按揭配額，因此未補地價的居屋業主，毋須事先獲得房屋署批准或簽發同意書。
GICL 環球信貸特設專屬大額渠道，最高貸款額可高達港幣 300 萬元。實際批出的金額會根據您的物業市場估值、個人整體財務狀況進行彈性評估。
正常的貸款申請與準時還款，並不會對您的信貸評級（TU）造成負面影響。
不可以。 根據香港稅務局現行法例，只有用於買樓置業的「物業按揭貸款」利息，才可申報扣減「居所貸款利息」稅項。
這完全取決於您的資金用途、所需金額及時間成本：
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.
