Institutions Involved
Existing Mortgage
Income Proof
Approval Speed
Title Deed Handling
Ideal For
Second mortgage (or Subordinate financing).
Unchanged first mortgage terms.
Stress test waived (Finance companies offer more flexibility).
Instant approval(as fast as 15 minutes for approval and 24 hours for funding).
Title deeds not required (retained by the first mortgagee).
Individuals needing urgent liquidity, having a low credit score (TU), or wishing to keep existing mortgage terms intact.
Internal refinancing (or Top-up loan).
Increased loan amount on the original basis.
Stress test required (must be re-passed).
Slow processing (takes 1–2 months).
Title deeds remain in the original bank's custody.
Individuals with stable income and no urgent cash needs who want to cash out on property appreciation.
New mortgage bank only (Existing loan is fully repaid).
Debt discharge (The old loan is fully repaid by the new bank's loan).
Stress test required (must be re-passed).
Slow processing (takes 1–2 months due to legal procedures).
Title deeds transferred from the original bank to the new bank.
Individuals seeking cash rebates or lower interest rates.
從實際例子了解樓宇二按的常見用途，以及如何協助客戶更靈活調動資金。
Own a property and want to cash out for liquidity without redeeming your first mortgage? GICL's Property Second Mortgage Loan is your best choice. We offer an "Easy Cash-Out" solution where you don't need to surrender your title deed. While keeping your original bank mortgage, you can leverage the residual value of your property to obtain extra funds, helping you achieve your life goals or solve business cash flow needs.
最高總貸款成數 (一按 + 二按合計)
利率水平 (年利率)
Max. Repayment Tenor
審批速度與門檻
一般最高達物業估值 7 成至 8 成
約 6% 至 10%
通常受限於一按年期 (約 10-20 年)
需經一按銀行同意，手續繁複，需時數周
最高可達物業估值 80% 至 90%
約 8% 至 18% (視乎個案風險而定)
5 年至 25 年，可靈活調節
免動用一按樓契，最快 15 分鐘批核、24 小時放款
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*
HK identity card, property address
15-Minute Preliminary Approval*
24-Hour Cash Disbursement*
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 property mortgage (first mortgage), owners can apply for a second mortgage loan at any time to cash out for turnover. No title deed is required, and there are no restrictions on building age or property type. We accept applications regardless of credit ratings, and there is no penalty for early repayment.
No income proof or stress test is required for cashing out with a property second mortgage loan.
Anyone, including retirees, housewives, or self-employed individuals, is welcome to apply for a second mortgage loan to cash out.
Customers can choose to draw down the second mortgage loan in separate installments. GICL provides a revolving standby credit line for this purpose.
Owners are free to sell the mortgaged property at any time during the repayment period without needing prior consent from GICL. The transaction date will be used as the cut-off date to calculate the full repayment amount promptly.
Second Mortgage的具體貸款額度取決於您的物業現時估值，以及現有一按的剩餘結欠。在 GICL 環球信貸，一按加Second Mortgage的總貸款成數最高可達物業估值的 80% 至 90%。
如果向傳統銀行申請Second Mortgage，原有一按銀行必須簽發同意書，手續極為繁複且極難獲批。而向 GICL 環球信貸申請Second Mortgage，我們提供免動用一按樓契、免繁複申報彈性方案，手續靈活快捷，助您合法合規地繞過常規銀行的繁瑣關卡。
相比傳統銀行動輒需要數星期的漫長審批流程，GICL 環球信貸的Second Mortgage流程以高效見稱。由提交基本文件起計，最快 15 分鐘內即可獲知初步審批結果；一經落實並辦妥相關手續，大額現金最快可於 24 小時內直接轉賬至您的戶口。
完全不會。 Second Mortgage是一筆完全獨立於一按的全新貸款合約。原有一按銀行的利息、還款期、供款額以及所有既定條款一律維持不變，您只需每個月照常向原有一按銀行供款即可。
GICL 環球信貸深知很多業主做Second Mortgage只是為了應付短期的生意入貨或資金周轉，因此我們的還款方案極具彈性，可因應您的財務狀況量身定制還款期與罰息條款，甚至提供短罰息期方案。
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.
