{"id":369,"date":"2026-03-08T18:46:47","date_gmt":"2026-03-08T18:46:47","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=369"},"modified":"2026-04-22T03:16:45","modified_gmt":"2026-04-21T19:16:45","slug":"our-solutions","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/our-solutions\/","title":{"rendered":"Our Solutions"},"content":{"rendered":"<section class=\"bde-section-369-830 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-369-831 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-832 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-833 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-834 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-835 bde-text\">\nGICL\n<\/div><h1 class=\"bde-heading-369-836 bde-heading\">\nSolution\u00a0\u00a0\n<\/h1>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section><section class=\"bde-section-369-1048 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-369-1049 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1050 bde-div\">\n  \n  \n\t\n\n\n\n<h2 class=\"bde-heading-369-1051 bde-heading\">\nCustomised financial solutions for you\n<\/h2><p class=\"bde-text-369-1052 bde-text\">\nGICL understands that every client's financial situation is different.<br>No matter what challenges you face, we have corresponding loan products to help you out.\n<\/p>\n<\/div><div class=\"bde-advanced-tabs-369-1053 bde-advanced-tabs\">\n\n\n        \n  \n  \n  <div class=\"bde-tabs__tabslist-container bde-tabs__tabslist-container--scrollable is-horizontal js-tabs-container\">\n    <div class=\"bde-tabs__tabslist bde-tabs__tabslist--pills js-tablist\" role=\"tablist\" aria-label=\"Content tabs\" aria-orientation=\"horizontal\" data-tabs-id=\"bde-advanced-tabs-369-1053\">\n      \n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-1\" id=\"tab-bde-advanced-tabs-369-1053-1\" data-value=\"1\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-man\" viewbox=\"0 0 32 32\">\n<path d=\"M18 3c0 1.657-1.343 3-3 3s-3-1.343-3-3c0-1.657 1.343-3 3-3s3 1.343 3 3z\"\/>\n<path d=\"M18 8h-6c-1.105 0-2 0.895-2 2v10h2v12h2.5v-12h1v12h2.5v-12h2v-10c0-1.105-0.895-2-2-2z\"\/>\n<\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Retirement<\/span>\n        <\/button>\n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-2\" id=\"tab-bde-advanced-tabs-369-1053-2\" data-value=\"2\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M535 41c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l64 64c4.5 4.5 7 10.6 7 17s-2.5 12.5-7 17l-64 64c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l23-23L384 112c-13.3 0-24-10.7-24-24s10.7-24 24-24l174.1 0L535 41zM105 377l-23 23L256 400c13.3 0 24 10.7 24 24s-10.7 24-24 24L81.9 448l23 23c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0L7 441c-4.5-4.5-7-10.6-7-17s2.5-12.5 7-17l64-64c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9zM96 64H337.9c-3.7 7.2-5.9 15.3-5.9 24c0 28.7 23.3 52 52 52l117.4 0c-4 17 .6 35.5 13.8 48.8c20.3 20.3 53.2 20.3 73.5 0L608 169.5V384c0 35.3-28.7 64-64 64H302.1c3.7-7.2 5.9-15.3 5.9-24c0-28.7-23.3-52-52-52l-117.4 0c4-17-.6-35.5-13.8-48.8c-20.3-20.3-53.2-20.3-73.5 0L32 342.5V128c0-35.3 28.7-64 64-64zm64 64H96v64c35.3 0 64-28.7 64-64zM544 320c-35.3 0-64 28.7-64 64h64V320zM320 352a96 96 0 1 0 0-192 96 96 0 1 0 0 192z\"\/><\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Debt restructuring<\/span>\n        <\/button>\n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-3\" id=\"tab-bde-advanced-tabs-369-1053-3\" data-value=\"3\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M96 96c0-35.3 28.7-64 64-64H448c35.3 0 64 28.7 64 64V416c0 35.3-28.7 64-64 64H80c-44.2 0-80-35.8-80-80V128c0-17.7 14.3-32 32-32s32 14.3 32 32V400c0 8.8 7.2 16 16 16s16-7.2 16-16V96zm64 24v80c0 13.3 10.7 24 24 24H296c13.3 0 24-10.7 24-24V120c0-13.3-10.7-24-24-24H184c-13.3 0-24 10.7-24 24zm208-8c0 8.8 7.2 16 16 16h48c8.8 0 16-7.2 16-16s-7.2-16-16-16H384c-8.8 0-16 7.2-16 16zm0 96c0 8.8 7.2 16 16 16h48c8.8 0 16-7.2 16-16s-7.2-16-16-16H384c-8.8 0-16 7.2-16 16zM160 304c0 8.8 7.2 16 16 16H432c8.8 0 16-7.2 16-16s-7.2-16-16-16H176c-8.8 0-16 7.2-16 16zm0 96c0 8.8 7.2 16 16 16H432c8.8 0 16-7.2 16-16s-7.2-16-16-16H176c-8.8 0-16 7.2-16 16z\"\/><\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Poor Credit History<\/span>\n        <\/button>\n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-4\" id=\"tab-bde-advanced-tabs-369-1053-4\" data-value=\"4\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M512 80c0 18-14.3 34.6-38.4 48c-29.1 16.1-72.5 27.5-122.3 30.9c-3.7-1.8-7.4-3.5-11.3-5C300.6 137.4 248.2 128 192 128c-8.3 0-16.4 .2-24.5 .6l-1.1-.6C142.3 114.6 128 98 128 80c0-44.2 86-80 192-80S512 35.8 512 80zM160.7 161.1c10.2-.7 20.7-1.1 31.3-1.1c62.2 0 117.4 12.3 152.5 31.4C369.3 204.9 384 221.7 384 240c0 4-.7 7.9-2.1 11.7c-4.6 13.2-17 25.3-35 35.5c0 0 0 0 0 0c-.1 .1-.3 .1-.4 .2l0 0 0 0c-.3 .2-.6 .3-.9 .5c-35 19.4-90.8 32-153.6 32c-59.6 0-112.9-11.3-148.2-29.1c-1.9-.9-3.7-1.9-5.5-2.9C14.3 274.6 0 258 0 240c0-34.8 53.4-64.5 128-75.4c10.5-1.5 21.4-2.7 32.7-3.5zM416 240c0-21.9-10.6-39.9-24.1-53.4c28.3-4.4 54.2-11.4 76.2-20.5c16.3-6.8 31.5-15.2 43.9-25.5V176c0 19.3-16.5 37.1-43.8 50.9c-14.6 7.4-32.4 13.7-52.4 18.5c.1-1.8 .2-3.5 .2-5.3zm-32 96c0 18-14.3 34.6-38.4 48c-1.8 1-3.6 1.9-5.5 2.9C304.9 404.7 251.6 416 192 416c-62.8 0-118.6-12.6-153.6-32C14.3 370.6 0 354 0 336V300.6c12.5 10.3 27.6 18.7 43.9 25.5C83.4 342.6 135.8 352 192 352s108.6-9.4 148.1-25.9c7.8-3.2 15.3-6.9 22.4-10.9c6.1-3.4 11.8-7.2 17.2-11.2c1.5-1.1 2.9-2.3 4.3-3.4V304v5.7V336zm32 0V304 278.1c19-4.2 36.5-9.5 52.1-16c16.3-6.8 31.5-15.2 43.9-25.5V272c0 10.5-5 21-14.9 30.9c-16.3 16.3-45 29.7-81.3 38.4c.1-1.7 .2-3.5 .2-5.3zM192 448c56.2 0 108.6-9.4 148.1-25.9c16.3-6.8 31.5-15.2 43.9-25.5V432c0 44.2-86 80-192 80S0 476.2 0 432V396.6c12.5 10.3 27.6 18.7 43.9 25.5C83.4 438.6 135.8 448 192 448z\"\/><\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Urgent Need<\/span>\n        <\/button>\n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-5\" id=\"tab-bde-advanced-tabs-369-1053-5\" data-value=\"5\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M323.4 85.2l-96.8 78.4c-16.1 13-19.2 36.4-7 53.1c12.9 17.8 38 21.3 55.3 7.8l99.3-77.2c7-5.4 17-4.2 22.5 2.8s4.2 17-2.8 22.5l-20.9 16.2L550.2 352H592c26.5 0 48-21.5 48-48V176c0-26.5-21.5-48-48-48H516h-4-.7l-3.9-2.5L434.8 79c-15.3-9.8-33.2-15-51.4-15c-21.8 0-43 7.5-60 21.2zm22.8 124.4l-51.7 40.2C263 274.4 217.3 268 193.7 235.6c-22.2-30.5-16.6-73.1 12.7-96.8l83.2-67.3c-11.6-4.9-24.1-7.4-36.8-7.4C234 64 215.7 69.6 200 80l-72 48H48c-26.5 0-48 21.5-48 48V304c0 26.5 21.5 48 48 48H156.2l91.4 83.4c19.6 17.9 49.9 16.5 67.8-3.1c5.5-6.1 9.2-13.2 11.1-20.6l17 15.6c19.5 17.9 49.9 16.6 67.8-2.9c4.5-4.9 7.8-10.6 9.9-16.5c19.4 13 45.8 10.3 62.1-7.5c17.9-19.5 16.6-49.9-2.9-67.8l-134.2-123z\"\/><\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Transaction property<\/span>\n        <\/button>\n              <button role=\"tab\" aria-selected=\"false\" class=\"bde-tabs__tab js-tab\" aria-controls=\"tab-panel-bde-advanced-tabs-369-1053-6\" id=\"tab-bde-advanced-tabs-369-1053-6\" data-value=\"6\">\n                      <span class=\"bde-tabs__tab-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" height=\"512\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 32 32\" width=\"512\"><g id=\"Icon\"><path d=\"m21 12c-4.967 0-9 4.033-9 9s4.033 9 9 9 9-4.033 9-9-4.033-9-9-9zm1 5v-1c0-.552-.448-1-1-1s-1 .448-1 1v1.026c-1.106.172-2 1.19-2 2.474 0 1.411 1.079 2.5 2.333 2.5h1.334c.22 0 .333.252.333.5s-.113.5-.333.5h-2.667c-.552 0-1 .448-1 1s.448 1 1 1h1v1c0 .552.448 1 1 1s1-.448 1-1v-1.026c1.106-.172 2-1.19 2-2.474 0-1.411-1.079-2.5-2.333-2.5h-1.334c-.22 0-.333-.252-.333-.5s.113-.5.333-.5h2.667c.552 0 1-.448 1-1s-.448-1-1-1zm-18-1.451v8.451c0 1.105.895 2 2 2h4c.552 0 1-.448 1-1s-.448-1-1-1h-4v-9.724l8-5.091 2.672 1.701c1.328-.57 2.791-.886 4.328-.886 1.8 0 3.5.433 5 1.201v-1.201c0-.342-.175-.66-.463-.844l-11-7c-.328-.208-.746-.208-1.074 0l-11 7c-.288.184-.463.502-.463.844v5c0 .365.199.701.519.877.32.175.71.163 1.018-.033z\"\/><\/g><\/svg><\/span>\n                    <span class=\"bde-tabs__tab-title\">Property Transfer Mortgage<\/span>\n        <\/button>\n          <\/div>\n  <\/div>\n\n<div class=\"bde-tabs-content-container\">\n  <div class=\"bde-advanced-tabs-content-369-1054 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1056 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1057 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1297 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 64 64\" data-name=\"Layer 1\"><g><path d=\"m16.52 54.89c-1.96 0-3.56-1.6-3.56-3.56 0-.55.45-1 1-1s1 .45 1 1c0 .86.7 1.56 1.56 1.56s1.56-.7 1.56-1.56-.7-1.56-1.56-1.56c-1.96 0-3.56-1.6-3.56-3.56s1.6-3.56 3.56-3.56 3.56 1.6 3.56 3.56c0 .55-.45 1-1 1s-1-.45-1-1c0-.86-.7-1.56-1.56-1.56s-1.56.7-1.56 1.56.7 1.56 1.56 1.56c1.96 0 3.56 1.6 3.56 3.56s-1.6 3.56-3.56 3.56z\"\/><path d=\"m16.52 44.64c-.55 0-1-.45-1-1v-1.71c0-.55.45-1 1-1s1 .45 1 1v1.71c0 .55-.45 1-1 1z\"\/><path d=\"m16.52 56.6c-.55 0-1-.45-1-1v-1.71c0-.55.45-1 1-1s1 .45 1 1v1.71c0 .55-.45 1-1 1z\"\/><\/g><path d=\"m14.68 34.92c-.3 0-.59-.13-.79-.38-2.15-2.74-3.01-5.41-2.26-6.96.35-.72 1.02-1.13 1.84-1.13s1.29.27 1.69.48c.37.2.65.35 1.33.35.55 0 1 .45 1 1s-.45 1-1 1c-1.18 0-1.82-.34-2.28-.59-.31-.17-.45-.24-.74-.24-.29.31-.06 2.22 2 4.85.34.43.26 1.06-.17 1.4-.18.14-.4.21-.62.21z\"\/><path d=\"m13.62 34.92c-.1 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.27.22.49.49.49h6.05c.27 0 .49-.22.49-.49v-.24c0-.27-.22-.49-.49-.49z\"\/><path d=\"m16.49 63.01c-7.65 0-15.47-1.15-15.47-9.65 0-12.3 11.79-17.11 11.91-17.16s.24-.07.37-.07h6.4c.13 0 .25.02.37.07s11.91 4.86 11.91 17.16c0 8.5-7.82 9.65-15.48 9.65zm-3-24.88c-1.41.61-10.48 4.94-10.48 15.23 0 5.5 3.78 7.65 13.47 7.65s13.48-2.14 13.48-7.65c0-10.2-9.13-14.63-10.48-15.23h-6z\"\/><g><path d=\"m33.63 54.03c-.32 0-.64-.15-.83-.44-.31-.46-.19-1.08.27-1.39l6.51-4.39-5.8-6.23-2.62 1.43c-.48.26-1.09.09-1.36-.4-.26-.48-.09-1.09.4-1.36l3.3-1.8c.4-.22.9-.14 1.21.2l7.13 7.65c.2.21.29.5.26.79s-.19.55-.43.72l-7.48 5.04c-.17.12-.37.17-.56.17z\"\/><path d=\"m48.58 54.03c-.2 0-.39-.06-.56-.17l-7.48-5.04c-.24-.16-.4-.43-.43-.72s.06-.58.26-.79l7.13-7.65c.31-.33.81-.42 1.21-.2l4.46 2.43c.45.24.64.78.45 1.25l-4.12 10.26c-.11.28-.35.5-.63.58-.1.03-.2.04-.29.04zm-5.95-6.22 5.48 3.7 3.32-8.29-3-1.64z\"\/><path d=\"m61.99 57.01h-28.49c-.55 0-1-.45-1-1s.45-1 1-1h27.49v-5.45c0-1.35-.8-2.56-2.05-3.09l-6.62-2.79c-.51-.21-.75-.8-.53-1.31.21-.51.8-.75 1.31-.53l6.62 2.79c1.99.84 3.27 2.77 3.27 4.93v6.45c0 .55-.45 1-1 1z\"\/><path d=\"m33.98 41.33c-.55 0-1-.45-1-1v-2.51c0-.55.45-1 1-1s1 .45 1 1v2.51c0 .55-.45 1-1 1z\"\/><path d=\"m48.24 41.33c-.55 0-1-.45-1-1v-2.51c0-.55.45-1 1-1s1 .45 1 1v2.51c0 .55-.45 1-1 1z\"\/><path d=\"m34.43 26.86c-3.31 0-6.01-2.7-6.01-6.01s2.7-6.01 6.01-6.01 6.01 2.7 6.01 6.01-2.7 6.01-6.01 6.01zm0-10.02c-2.21 0-4.01 1.8-4.01 4.01s1.8 4.01 4.01 4.01 4.01-1.8 4.01-4.01-1.8-4.01-4.01-4.01z\"\/><path d=\"m47.78 26.86c-3.31 0-6.01-2.7-6.01-6.01s2.7-6.01 6.01-6.01 6.01 2.7 6.01 6.01-2.7 6.01-6.01 6.01zm0-10.02c-2.21 0-4.01 1.8-4.01 4.01s1.8 4.01 4.01 4.01 4.01-1.8 4.01-4.01-1.8-4.01-4.01-4.01z\"\/><path d=\"m46.38 33.98c-2.19 0-3.77-.59-4.7-1.08-.31-.17-.67-.17-.98-.02-1 .5-2.65 1.1-4.87 1.1-3.38 0-4.7-2.18-4.93-3.34-.06-.29.02-.6.21-.83s.47-.36.77-.36c1.45 0 2.8-.72 4-1.35 1.01-.53 1.88-.99 2.73-.99 1.06 0 1.92.39 2.48.74.56-.35 1.42-.74 2.48-.74.86 0 1.73.46 2.73.99 1.2.63 2.55 1.35 4 1.35.3 0 .58.13.77.36s.27.53.21.83c-.23 1.15-1.55 3.34-4.93 3.34zm-5.21-3.21c.5 0 .99.12 1.45.36.73.39 1.98.85 3.76.85 1.17 0 1.89-.34 2.32-.73-1.26-.3-2.37-.89-3.31-1.39-.71-.37-1.44-.76-1.8-.76-1.02 0-1.78.71-1.79.72-.39.37-1 .37-1.39 0 0 0-.77-.71-1.79-.71-.36 0-1.09.39-1.8.76-.95.5-2.05 1.09-3.31 1.39.43.38 1.15.73 2.33.73 1.82 0 3.16-.48 3.97-.89.43-.21.89-.32 1.36-.32z\"\/><path d=\"m44.43 13.85h-6.64c-.55 0-1-.45-1-1s.45-1 1-1h6.64c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m47.02 10.52h-11.83c-.55 0-1-.45-1-1s.45-1 1-1h11.83c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m26.92 28.41h-1.39c-2.48 0-4.5-2.28-4.5-5.08s2.02-5.08 4.5-5.08h1.25c.55 0 1 .45 1 1s-.45 1-1 1h-1.25c-1.38 0-2.5 1.38-2.5 3.08s1.12 3.08 2.5 3.08h1.39c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m23.65 20.88c-.55 0-1-.45-1-1v-4.24c0-4.14 2.78-7.81 6.75-8.94.53-.15 1.08.16 1.23.69s-.16 1.08-.69 1.23c-3.12.88-5.3 3.77-5.3 7.01v4.24c0 .55-.45 1-1 1z\"\/><path d=\"m41.11 40.72c-8.46 0-15.33-6.88-15.33-15.33v-9.07c0-8.45 6.88-15.33 15.33-15.33s15.33 6.88 15.33 15.33v9.07c0 8.45-6.88 15.33-15.33 15.33zm0-37.74c-7.35 0-13.33 5.98-13.33 13.33v9.07c0 7.35 5.98 13.33 13.33 13.33s13.33-5.98 13.33-13.33v-9.07c0-7.35-5.98-13.33-13.33-13.33z\"\/><path d=\"m56.69 28.41h-1.39c-.55 0-1-.45-1-1s.45-1 1-1h1.39c1.38 0 2.5-1.38 2.5-3.08s-1.12-3.08-2.5-3.08h-1.25c-.55 0-1-.45-1-1s.45-1 1-1h1.25c2.48 0 4.5 2.28 4.5 5.08s-2.02 5.08-4.5 5.08z\"\/><path d=\"m58.56 20.88c-.55 0-1-.45-1-1v-4.24c0-3.25-2.18-6.13-5.3-7.01-.53-.15-.84-.7-.69-1.23s.71-.84 1.23-.69c3.98 1.12 6.75 4.8 6.75 8.94v4.24c0 .55-.45 1-1 1z\"\/><path d=\"m43.16 19.92c-.24 0-.49-.09-.68-.27s-.44-.35-1.37-.35-1.4.36-1.42.38c-.42.34-1.05.3-1.4-.11s-.33-1.02.07-1.38c.1-.09 1.02-.88 2.75-.88s2.64.8 2.74.89c.4.38.42 1.01.05 1.41-.2.21-.46.32-.73.32z\"\/><\/g><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1058 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1059 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1060 bde-heading\">\nLacking Cash Flow?\n<\/h3><p class=\"bde-text-369-1061 bde-text\">\nBricks turn into pension, enjoy a prosperous retirement life.\n<\/p>\n<\/div><div class=\"bde-div-369-1062 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1063 bde-heading\">\nWhat problems have you encountered?\n<\/h3><p class=\"bde-text-369-1064 bde-text\">\nYou\u2019ve 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?\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1065 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1066 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1067 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1068 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1069 bde-text\">\nWhether private flats, tenement buildings, or village houses, as long as you own property, you can cash out even with a poor TU credit rating.\n<\/p><div class=\"bde-icon-369-1070 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1071 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1072 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1073 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32V448c0 35.3 28.7 64 64 64H448.5c35.5 0 64.2-28.8 64-64.3l-.7-160.2h32zM288 160a64 64 0 1 1 0 128 64 64 0 1 1 0-128zM176 400c0-44.2 35.8-80 80-80h64c44.2 0 80 35.8 80 80c0 8.8-7.2 16-16 16H192c-8.8 0-16-7.2-16-16z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1074 bde-heading\">\nHOS Homeowner Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1075 bde-text\">\nMake good use of your self-occupied HOS flat to unlock cash\u2014even without having paid the premium, you can apply, easily accessing substantial funds for clearing debts or investing in a new business.\n<\/p><div class=\"bde-icon-369-1076 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=455\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1077 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1078 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1079 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M256 0C114.6 0 0 114.6 0 256V448c0 35.3 28.7 64 64 64h42.8c-6.6-5.9-10.8-14.4-10.8-24V376c0-20.8 11.3-38.9 28.1-48.6l21-64.7c7.5-23.1 29-38.7 53.3-38.7H313.6c24.3 0 45.8 15.6 53.3 38.7l21 64.7c16.8 9.7 28.2 27.8 28.2 48.6V488c0 9.6-4.2 18.1-10.8 24H448c35.3 0 64-28.7 64-64V256C512 114.6 397.4 0 256 0zM362.8 512c-6.6-5.9-10.8-14.4-10.8-24V448H160v40c0 9.6-4.2 18.1-10.8 24H362.8zM190.8 277.5L177 320H335l-13.8-42.5c-1.1-3.3-4.1-5.5-7.6-5.5H198.4c-3.5 0-6.5 2.2-7.6 5.5zM168 408a24 24 0 1 0 0-48 24 24 0 1 0 0 48zm200-24a24 24 0 1 0 -48 0 24 24 0 1 0 48 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1080 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1081 bde-text\">\nMake good use of idle parking space assets to unlock cash\u2014simple procedures provide extra cash flow for business operations.\n<\/p><div class=\"bde-icon-369-1082 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1391 bde-div service-card\">\n              \n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1392 bde-text\">\nWhether it\u2019s a first mortgage, second mortgage, or refinancing, no income proof or stress test is required\u2014helping you quickly meet urgent financial needs.\n<\/div><a class=\"bde-container-link-369-1393 bde-container-link breakdance-link\" href=\"https:\/\/gicl.com.hk\/en\/property-mortgage-application\/\" target=\"_self\" data-type=\"url\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1394 bde-text\">\nApply Now\n<\/div><div class=\"bde-icon-369-1395 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n\n<\/a><img decoding=\"async\" class=\"bde-image2-369-1396 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png\" loading=\"lazy\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png 500w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-208x300.png 208w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-8x12.png 8w\" sizes=\"(max-width: 500px) 100vw, 500px\">\n<\/div>\n<\/div><div class=\"bde-columns-369-1083 bde-columns\"><div class=\"bde-column-369-1084 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1085 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1086 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1087 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1088 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1088-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1088-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can self-employed or retired individuals without fixed income still apply for mortgages?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1088-button-1\" id=\"bde-faq-1088-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Absolutely possible. GICL skips income proof and stress tests, mainly assessing property value to offer flexible cash-out options for retirees with no income.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1088-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1088-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is there any limit on the applicant's age or the property's age?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1088-button-2\" id=\"bde-faq-1088-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1088-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1088-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can parking spaces or HOS flats without premium payment also be used to unlock cash for business turnover?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1088-button-3\" id=\"bde-faq-1088-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Absolutely possible. We offer dedicated loans for HOS flat owners and parking space mortgages\u2014even without premium payment or just holding a parking space, you can easily unlock cash.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1088-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-1088-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can loans be used as revolving credit?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1088-button-4\" id=\"bde-faq-1088-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">Yes, it can. The loan amount can be drawn down in parts\u2014interest is charged only on what you use. You can partially or fully repay the principal early too; very flexible.<\/div>\n<div class=\"mk-toggle fancy-style mk-faq-toggle\">\u00a0<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div><div class=\"bde-advanced-tabs-content-369-1089 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1091 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1092 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1298 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 64 64\" data-name=\"Layer 1\"><g><path d=\"m62 44.96h-60c-.55 0-1-.45-1-1v-34.84c0-.55.45-1 1-1h40.65c.33 0 .64.17.83.44s.22.62.1.93l-2.62 6.52 4.42 6.05c.15.21.22.46.18.72l-.62 4.91 4.19-7.27-2.31-5.5c-.16-.37-.07-.8.21-1.09l5.33-5.42c.19-.19.45-.3.71-.3h8.93c.55 0 1 .45 1 1v34.84c0 .55-.45 1-1 1zm-59-2h58v-32.84h-7.51l-4.57 4.65 2.24 5.35c.12.29.1.62-.06.89l-6.92 12c-.24.41-.73.6-1.19.45-.45-.15-.73-.6-.67-1.07l1.2-9.45-4.52-6.18c-.2-.28-.25-.64-.12-.96l2.28-5.67h-38.16v32.84z\"\/><path d=\"m51.72 40.96h-39.44c-.55 0-1-.45-1-1 0-2.91-2.37-5.28-5.28-5.28-.55 0-1-.45-1-1v-14.28c0-.55.45-1 1-1 2.91 0 5.28-2.37 5.28-5.28 0-.55.45-1 1-1h28.76c.33 0 .64.17.83.44.19.28.22.62.1.93l-1.01 2.53 4.42 6.05c.15.21.22.46.18.72l-.62 4.91 4.19-7.27-2.31-5.5c-.16-.37-.07-.8.21-1.09l1.4-1.42c.19-.19.44-.3.71-.3h2.58c.55 0 1 .45 1 1 0 2.91 2.37 5.28 5.28 5.28.55 0 1 .45 1 1v14.28c0 .55-.45 1-1 1-2.91 0-5.28 2.37-5.28 5.28 0 .55-.45 1-1 1zm-38.51-2h37.58c.44-3.22 3-5.77 6.21-6.21v-12.42c-3.22-.44-5.77-3-6.21-6.21h-1.23l-.64.65 2.24 5.35c.12.29.1.62-.06.89l-6.92 12c-.24.41-.73.6-1.19.45-.45-.15-.73-.6-.67-1.07l1.2-9.45-4.52-6.18c-.2-.28-.25-.64-.12-.96l.67-1.67h-26.34c-.44 3.22-3 5.77-6.21 6.21v12.42c3.22.44 5.77 3 6.21 6.21z\"\/><path d=\"m32 32.6c-3.34 0-6.06-2.72-6.06-6.06s2.72-6.06 6.06-6.06 6.06 2.72 6.06 6.06-2.72 6.06-6.06 6.06zm0-10.11c-2.24 0-4.06 1.82-4.06 4.06s1.82 4.06 4.06 4.06 4.06-1.82 4.06-4.06-1.82-4.06-4.06-4.06z\"\/><path d=\"m19.89 27.54h-4.67c-.55 0-1-.45-1-1s.45-1 1-1h4.67c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><\/g><path d=\"m62 50.42h-60c-.55 0-1-.45-1-1v-2.46c0-.55.45-1 1-1s1 .45 1 1v1.46h58v-1.46c0-.55.45-1 1-1s1 .45 1 1v2.46c0 .55-.45 1-1 1z\"\/><path d=\"m62 55.88h-60c-.55 0-1-.45-1-1v-2.46c0-.55.45-1 1-1s1 .45 1 1v1.46h58v-1.46c0-.55.45-1 1-1s1 .45 1 1v2.46c0 .55-.45 1-1 1z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1093 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1094 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1095 bde-heading\">\nCredit card debt spiraling out of control?\n<\/h3><p class=\"bde-text-369-1096 bde-text\">\nSecond mortgage debt consolidation to significantly reduce monthly repayment pressure.\n<\/p>\n<\/div><div class=\"bde-div-369-1097 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1098 bde-heading\">\nFinancial pressure reaching a breaking point?\n<\/h3><p class=\"bde-text-369-1099 bde-text translation-block\">Struggling with minimum payments?<br>\nDebts are snowballing and interest is piling up!<br>\nIs debt repayment eating your salary and ruining your quality of life?<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1100 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1101 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1102 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1103 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1104 bde-text\">\nLeverage 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.\n<\/p><div class=\"bde-icon-369-1105 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1106 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1107 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1108 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1109 bde-heading\">\nSecond Mortgage\n<\/h3>\n<\/div><p class=\"bde-text-369-1110 bde-text\">\nRetain 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.\n<\/p><div class=\"bde-icon-369-1111 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=447\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1112 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1113 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1114 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32V448c0 35.3 28.7 64 64 64H448.5c35.5 0 64.2-28.8 64-64.3l-.7-160.2h32zM288 160a64 64 0 1 1 0 128 64 64 0 1 1 0-128zM176 400c0-44.2 35.8-80 80-80h64c44.2 0 80 35.8 80 80c0 8.8-7.2 16-16 16H192c-8.8 0-16-7.2-16-16z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1115 bde-heading\">\nHOS Homeowner Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1116 bde-text\">\nHome 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.\n<\/p><div class=\"bde-icon-369-1117 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=455\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1118 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1119 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1120 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M256 0C114.6 0 0 114.6 0 256V448c0 35.3 28.7 64 64 64h42.8c-6.6-5.9-10.8-14.4-10.8-24V376c0-20.8 11.3-38.9 28.1-48.6l21-64.7c7.5-23.1 29-38.7 53.3-38.7H313.6c24.3 0 45.8 15.6 53.3 38.7l21 64.7c16.8 9.7 28.2 27.8 28.2 48.6V488c0 9.6-4.2 18.1-10.8 24H448c35.3 0 64-28.7 64-64V256C512 114.6 397.4 0 256 0zM362.8 512c-6.6-5.9-10.8-14.4-10.8-24V448H160v40c0 9.6-4.2 18.1-10.8 24H362.8zM190.8 277.5L177 320H335l-13.8-42.5c-1.1-3.3-4.1-5.5-7.6-5.5H198.4c-3.5 0-6.5 2.2-7.6 5.5zM168 408a24 24 0 1 0 0-48 24 24 0 1 0 0 48zm200-24a24 24 0 1 0 -48 0 24 24 0 1 0 48 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1121 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1122 bde-text\">\nLeverage your parking space for a cash-out debt consolidation. With simple procedures, we provide you with an additional flexible path to clear your debts.\n<\/p><div class=\"bde-icon-369-1123 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><div class=\"bde-columns-369-1124 bde-columns\"><div class=\"bde-column-369-1125 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1126 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1127 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1128 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1129 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1129-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1129-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Advantages of Mortgage Debt Consolidation<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1129-button-1\" id=\"bde-faq-1129-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Consolidating multiple high-interest debts into a single lower-interest mortgage can significantly reduce interest expenses and monthly repayments.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1129-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1129-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I apply for a debt consolidation loan if my HOS flat is still under premium?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1129-button-2\" id=\"bde-faq-1129-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>We offer specialized HOS owner loans with a streamlined application process, helping you consolidate debt with ease.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1129-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1129-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can a parking space be used for debt restructuring?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1129-button-3\" id=\"bde-faq-1129-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Yes. Parking spaces serve as high-quality collateral, offering a simple and efficient way to cash out through a mortgage for debt consolidation.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1129-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-1129-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is a stress test required for a mortgage debt consolidation loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1129-button-4\" id=\"bde-faq-1129-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">No stress test or income proof needed. GICL  simplifies debt consolidation by removing the hassle of rigorous financial vetting.<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div><div class=\"bde-advanced-tabs-content-369-1130 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1132 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1133 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1299 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 64 64\" data-name=\"Layer 1\"><path d=\"m42 62h-32c-2.76 0-5-2.24-5-5v-48c0-2.76 2.24-5 5-5h32c2.76 0 5 2.24 5 5v18c0 .55-.45 1-1 1s-1-.45-1-1v-18c0-1.65-1.35-3-3-3h-32c-1.65 0-3 1.35-3 3v48c0 1.65 1.35 3 3 3h32c1.65 0 3-1.35 3-3v-8c0-.55.45-1 1-1s1 .45 1 1v8c0 2.76-2.24 5-5 5z\"\/><path d=\"m26 8c-.55 0-1-.45-1-1v-4c0-.55.45-1 1-1s1 .45 1 1v4c0 .55-.45 1-1 1z\"\/><path d=\"m32 8c-.55 0-1-.45-1-1v-4c0-.55.45-1 1-1s1 .45 1 1v4c0 .55-.45 1-1 1z\"\/><path d=\"m38 8c-.55 0-1-.45-1-1v-4c0-.55.45-1 1-1s1 .45 1 1v4c0 .55-.45 1-1 1z\"\/><path d=\"m20 8c-.55 0-1-.45-1-1v-4c0-.55.45-1 1-1s1 .45 1 1v4c0 .55-.45 1-1 1z\"\/><path d=\"m14 8c-.55 0-1-.45-1-1v-4c0-.55.45-1 1-1s1 .45 1 1v4c0 .55-.45 1-1 1z\"\/><path d=\"m46 12h-40c-.55 0-1-.45-1-1s.45-1 1-1h40c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m40 19h-28c-.55 0-1-.45-1-1s.45-1 1-1h28c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m40 25h-28c-.55 0-1-.45-1-1s.45-1 1-1h28c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m40 31h-28c-.55 0-1-.45-1-1s.45-1 1-1h28c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m38 37h-26c-.55 0-1-.45-1-1s.45-1 1-1h26c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m32 43h-20c-.55 0-1-.45-1-1s.45-1 1-1h20c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m28 49h-16c-.55 0-1-.45-1-1s.45-1 1-1h16c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m26 55h-14c-.55 0-1-.45-1-1s.45-1 1-1h14c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><g><path d=\"m38 52c-.26 0-.51-.1-.71-.29l-5-5c-.39-.39-.39-1.02 0-1.41l17-17c.39-.39 1.02-.39 1.41 0l5 5c.39.39.39 1.02 0 1.41l-17 17c-.2.2-.45.29-.71.29zm-3.59-6 3.59 3.59 15.59-15.59-3.59-3.59z\"\/><path d=\"m55 35c-.26 0-.51-.1-.71-.29l-5-5c-.39-.39-.39-1.02 0-1.41l3-3c.39-.39 1.02-.39 1.41 0l5 5c.39.39.39 1.02 0 1.41l-3 3c-.2.2-.45.29-.71.29zm-3.59-6 3.59 3.59 1.59-1.59-3.59-3.59z\"\/><path d=\"m29.98 54.98c-.26 0-.52-.1-.71-.29-.28-.28-.36-.69-.23-1.06l3.02-7.98c.2-.52.77-.78 1.29-.58s.78.77.58 1.29l-2.24 5.92 5.96-2.21c.52-.19 1.09.07 1.29.59.19.52-.07 1.09-.59 1.29l-8.02 2.98c-.11.04-.23.06-.35.06z\"\/><\/g><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1134 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1135 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1136 bde-heading\">\nPoor credit score or low credit rating?\n<\/h3><p class=\"bde-text-369-1137 bde-text\">\nWe value your assets more than your credit history.\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1138 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1139 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1140 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1141 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1142 bde-text\">\nUnlock equity from any property\u2014private, industrial, or village houses\u2014even with a low credit score. Our first mortgage plans bypass age limits to deliver high-loan amounts fast.\n<\/p><div class=\"bde-icon-369-1143 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1144 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1145 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1146 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1147 bde-heading\">\nSecond Mortgage\n<\/h3>\n<\/div><p class=\"bde-text-369-1148 bde-text\">\nMaintain your current first mortgage and cash out with ease. Our flexible second mortgage plans accept any property type, even with a poor credit score.\n<\/p><div class=\"bde-icon-369-1149 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=447\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1150 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1151 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1152 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M256 0C114.6 0 0 114.6 0 256V448c0 35.3 28.7 64 64 64h42.8c-6.6-5.9-10.8-14.4-10.8-24V376c0-20.8 11.3-38.9 28.1-48.6l21-64.7c7.5-23.1 29-38.7 53.3-38.7H313.6c24.3 0 45.8 15.6 53.3 38.7l21 64.7c16.8 9.7 28.2 27.8 28.2 48.6V488c0 9.6-4.2 18.1-10.8 24H448c35.3 0 64-28.7 64-64V256C512 114.6 397.4 0 256 0zM362.8 512c-6.6-5.9-10.8-14.4-10.8-24V448H160v40c0 9.6-4.2 18.1-10.8 24H362.8zM190.8 277.5L177 320H335l-13.8-42.5c-1.1-3.3-4.1-5.5-7.6-5.5H198.4c-3.5 0-6.5 2.2-7.6 5.5zM168 408a24 24 0 1 0 0-48 24 24 0 1 0 0 48zm200-24a24 24 0 1 0 -48 0 24 24 0 1 0 48 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1153 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1154 bde-text\">\nLeverage your parking space assets with our simple and convenient process to unlock high-value liquidity with ease.\n<\/p><div class=\"bde-icon-369-1155 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1397 bde-div service-card\">\n              \n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1398 bde-text\">\nWhether it\u2019s a first mortgage, second mortgage, or refinancing, no income proof or stress test is required\u2014helping you quickly meet urgent financial needs.\n<\/div><a class=\"bde-container-link-369-1399 bde-container-link breakdance-link\" href=\"https:\/\/gicl.com.hk\/en\/property-mortgage-application\/\" target=\"_self\" data-type=\"url\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1400 bde-text\">\nApply Now\n<\/div><div class=\"bde-icon-369-1401 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n\n<\/a><img decoding=\"async\" class=\"bde-image2-369-1402 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png\" loading=\"lazy\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png 500w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-208x300.png 208w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-8x12.png 8w\" sizes=\"(max-width: 500px) 100vw, 500px\">\n<\/div>\n<\/div><div class=\"bde-columns-369-1156 bde-columns\"><div class=\"bde-column-369-1157 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1158 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1159 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1160 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1161 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1161-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1161-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I apply for a mortgage if TU rating is Level I?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1161-button-1\" id=\"bde-faq-1161-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">\n<div class=\"mk-toggle-pane\">\n<div class=\"mk-toggle fancy-style mk-faq-toggle\">\n<div class=\"mk-toggle-pane\">\n<p class=\"p1\">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.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1161-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1161-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is proof of income required when applying for a mortgage loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1161-button-2\" id=\"bde-faq-1161-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1161-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1161-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can subsidized housing without land premium be eligible for large loans?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1161-button-3\" id=\"bde-faq-1161-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Sure, we have specially designed Home Ownership Scheme owner loans to help HOS homeowners easily cash out and settle their debts.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1161-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-1161-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Will older properties be rejected approval?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1161-button-4\" id=\"bde-faq-1161-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">No, our one-click\/two-click options are not limited by age or building age, so even high-age properties can be easily cashed out.<\/div>\n<div class=\"mk-toggle fancy-style mk-faq-toggle\">\u00a0<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div><div class=\"bde-advanced-tabs-content-369-1162 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1164 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1165 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1300 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 64 64\" data-name=\"Layer 1\"><g><path d=\"m20.83 48.78c-3.42 0-9.22-.71-9.22-3.37s5.8-3.37 9.22-3.37 9.22.71 9.22 3.37-5.8 3.37-9.22 3.37zm-7.15-3.37c.53.48 2.93 1.37 7.15 1.37s6.62-.89 7.15-1.37c-.53-.48-2.93-1.37-7.15-1.37s-6.62.89-7.15 1.37zm14.39.11h.01z\"\/><path d=\"m20.83 53.52c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45s6.88-.99 7.22-1.45v-4.67c0-.55.45-1 1-1s1 .45 1 1v4.74c0 2.66-5.8 3.37-9.22 3.37z\"\/><path d=\"m20.83 58.27c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45s6.88-.99 7.22-1.45v-4.67c0-.55.45-1 1-1s1 .45 1 1v4.74c0 2.66-5.8 3.37-9.22 3.37z\"\/><path d=\"m20.83 63.01c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45s6.88-.99 7.22-1.45v-4.67c0-.55.45-1 1-1s1 .45 1 1v4.74c0 2.66-5.8 3.37-9.22 3.37z\"\/><\/g><g><path d=\"m10.22 39.3c-3.42 0-9.22-.71-9.22-3.37s5.8-3.37 9.22-3.37 9.22.71 9.22 3.37-5.8 3.37-9.22 3.37zm-7.15-3.37c.53.48 2.93 1.37 7.15 1.37s6.62-.89 7.15-1.37c-.53-.48-2.93-1.37-7.15-1.37s-6.62.89-7.15 1.37zm14.39.11h.01z\"\/><path d=\"m18.44 41.02c-.55 0-1-.45-1-1v-4.1c0-.55.45-1 1-1s1 .45 1 1v4.1c0 .55-.45 1-1 1z\"\/><path d=\"m10.22 44.04c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m10.22 48.78c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m10.22 53.52c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m10.22 58.27c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m10.22 63.01c-3.42 0-9.22-.71-9.22-3.37v-4.74c0-.55.45-1 1-1s1 .45 1 1v4.67c.35.45 2.77 1.45 7.22 1.45.55 0 1 .45 1 1s-.45 1-1 1z\"\/><\/g><g><path d=\"m38 50.97c-2.85 0-5.17-2.32-5.17-5.17 0-.55.45-1 1-1s1 .45 1 1c0 1.75 1.42 3.17 3.17 3.17s3.17-1.42 3.17-3.17-1.42-3.17-3.17-3.17c-2.85 0-5.17-2.32-5.17-5.17s2.32-5.17 5.17-5.17 5.17 2.32 5.17 5.17c0 .55-.45 1-1 1s-1-.45-1-1c0-1.75-1.42-3.17-3.17-3.17s-3.17 1.42-3.17 3.17 1.42 3.17 3.17 3.17c2.85 0 5.17 2.32 5.17 5.17s-2.32 5.17-5.17 5.17z\"\/><path d=\"m38 34.3c-.55 0-1-.45-1-1v-2.78c0-.55.45-1 1-1s1 .45 1 1v2.78c0 .55-.45 1-1 1z\"\/><path d=\"m38 53.75c-.55 0-1-.45-1-1v-2.78c0-.55.45-1 1-1s1 .45 1 1v2.78c0 .55-.45 1-1 1z\"\/><\/g><path d=\"m33.24 13.72c-.1 0-.2-.01-.3-.05-5.31-1.65-6.53-4.94-6.81-6.28-.31-1.47 0-2.85.77-3.52 1.57-1.35 4.23-.13 4.74.12.49.25.7.85.45 1.34s-.84.7-1.34.45c-.78-.39-2.14-.75-2.55-.4-.1.11-.34.76-.08 1.77.24.96 1.25 3.32 5.41 4.6.53.16.82.72.66 1.25-.13.43-.53.7-.96.7z\"\/><path d=\"m35 13.72c-.3 0-.59-.13-.79-.38-3.35-4.28-4.79-8.54-3.67-10.84.47-.95 1.36-1.5 2.46-1.5 1.15 0 1.86.38 2.48.72.63.34 1.23.66 2.52.66s1.91-.32 2.56-.67c.63-.33 1.35-.71 2.5-.71s1.99.55 2.46 1.5c1.12 2.3-.32 6.55-3.67 10.84-.34.43-.97.51-1.4.17s-.51-.97-.17-1.4c3.46-4.42 3.95-7.7 3.45-8.73-.11-.23-.26-.38-.66-.38-.65 0-1.02.19-1.57.48-.76.4-1.7.9-3.49.9s-2.72-.5-3.47-.9c-.53-.29-.89-.48-1.54-.48-.39 0-.55.15-.66.38-.5 1.03 0 4.31 3.45 8.73.34.44.26 1.06-.17 1.4-.18.14-.4.21-.62.21z\"\/><path d=\"m42.82 13.72c-.43 0-.82-.28-.96-.7-.16-.53.13-1.09.66-1.25 4.15-1.29 5.17-3.65 5.41-4.6.25-1.01.02-1.66-.09-1.77-.4-.34-1.74 0-2.54.4-.5.25-1.09.05-1.34-.45-.25-.49-.05-1.09.45-1.34.52-.26 3.17-1.48 4.74-.12.78.67 1.08 2.05.78 3.52-.28 1.34-1.5 4.63-6.81 6.28-.1.03-.2.05-.3.05z\"\/><path d=\"m42.88 19.05h-9.64c-2.02 0-3.67-1.65-3.67-3.67s1.64-3.67 3.67-3.67h9.64c2.02 0 3.67 1.65 3.67 3.67s-1.64 3.67-3.67 3.67zm-9.64-5.33c-.92 0-1.67.75-1.67 1.67s.75 1.67 1.67 1.67h9.64c.92 0 1.67-.75 1.67-1.67s-.75-1.67-1.67-1.67z\"\/><path d=\"m38 62.99c-1.9 0-3.57-.04-5.11-.12-.55-.03-.97-.5-.95-1.05.03-.55.49-.98 1.05-.95 1.5.08 3.14.12 5 .12 13.81 0 23-2.27 23-13.33 0-17.56-15.93-27.42-17.96-28.61h-10.08c-1.29.75-8.14 4.96-12.97 12.34-.3.46-.92.59-1.38.29s-.59-.92-.29-1.38c5.61-8.57 13.57-12.94 13.91-13.12.15-.08.31-.12.48-.12h10.61c.17 0 .33.04.48.12.19.1 19.22 10.62 19.22 30.49 0 13.48-12.02 15.33-25 15.33z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1166 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1167 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1168 bde-heading\">\nUrgent need for cash for unexpected expenses?\n<\/h3><p class=\"bde-text-369-1169 bde-text\">\nExpress approval and same-day funding to resolve your urgent financial needs.\n<\/p>\n<\/div><div class=\"bde-div-369-1170 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1171 bde-heading\">\nWhat problems have you encountered?\n<\/h3><p class=\"bde-text-369-1172 bde-text\">\nUnexpected 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\u2014it can take a whole week just to submit all the documents. That\u2019s too slow when you need help right away!\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1173 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1174 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1175 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1176 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1177 bde-text\">\nMake good use of existing properties to unlock large amounts of capital, with excellent interest rates, flexible repayment periods, and easy cash flow management.\n<\/p><div class=\"bde-icon-369-1178 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1179 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1180 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1181 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1182 bde-heading\">\nSecond Mortgage\n<\/h3>\n<\/div><p class=\"bde-text-369-1183 bde-text\">\nMaintain the original bank's low-interest mortgage offer, and easily unlock cash by leveraging property appreciation potential.\n<\/p><div class=\"bde-icon-369-1184 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=447\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1185 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1186 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1187 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32V448c0 35.3 28.7 64 64 64H448.5c35.5 0 64.2-28.8 64-64.3l-.7-160.2h32zM288 160a64 64 0 1 1 0 128 64 64 0 1 1 0-128zM176 400c0-44.2 35.8-80 80-80h64c44.2 0 80 35.8 80 80c0 8.8-7.2 16-16 16H192c-8.8 0-16-7.2-16-16z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1188 bde-heading\">\nHOS Homeowner Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1189 bde-text\">\nHome 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.\n<\/p><div class=\"bde-icon-369-1190 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=455\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1191 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1192 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1193 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M535 41c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l64 64c4.5 4.5 7 10.6 7 17s-2.5 12.5-7 17l-64 64c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l23-23L384 112c-13.3 0-24-10.7-24-24s10.7-24 24-24l174.1 0L535 41zM105 377l-23 23L256 400c13.3 0 24 10.7 24 24s-10.7 24-24 24L81.9 448l23 23c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0L7 441c-4.5-4.5-7-10.6-7-17s2.5-12.5 7-17l64-64c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9zM96 64H337.9c-3.7 7.2-5.9 15.3-5.9 24c0 28.7 23.3 52 52 52l117.4 0c-4 17 .6 35.5 13.8 48.8c20.3 20.3 53.2 20.3 73.5 0L608 169.5V384c0 35.3-28.7 64-64 64H302.1c3.7-7.2 5.9-15.3 5.9-24c0-28.7-23.3-52-52-52l-117.4 0c4-17-.6-35.5-13.8-48.8c-20.3-20.3-53.2-20.3-73.5 0L32 342.5V128c0-35.3 28.7-64 64-64zm64 64H96v64c35.3 0 64-28.7 64-64zM544 320c-35.3 0-64 28.7-64 64h64V320zM320 352a96 96 0 1 0 0-192 96 96 0 1 0 0 192z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1194 bde-heading\">\nPersonal Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1195 bde-text\">\nNo collateral required, simple procedures, rapid approval, suitable for individuals without property to quickly cash out for emergencies.\n<\/p><div class=\"bde-icon-369-1196 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=459\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1197 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1198 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1199 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32V448c0 35.3 28.7 64 64 64H448.5c35.5 0 64.2-28.8 64-64.3l-.7-160.2h32zM288 160a64 64 0 1 1 0 128 64 64 0 1 1 0-128zM176 400c0-44.2 35.8-80 80-80h64c44.2 0 80 35.8 80 80c0 8.8-7.2 16-16 16H192c-8.8 0-16-7.2-16-16z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1200 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1201 bde-text\">\nLeverage your parking space assets with our simple and convenient process to unlock high-value liquidity with ease.\n<\/p><div class=\"bde-icon-369-1202 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1403 bde-div service-card\">\n              \n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1404 bde-text\">\nWhether it\u2019s a first mortgage, second mortgage, or refinancing, no income proof or stress test is required\u2014helping you quickly meet urgent financial needs.\n<\/div><a class=\"bde-container-link-369-1405 bde-container-link breakdance-link\" href=\"https:\/\/gicl.com.hk\/en\/property-mortgage-application\/\" target=\"_self\" data-type=\"url\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1406 bde-text\">\nApply Now\n<\/div><div class=\"bde-icon-369-1407 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n\n<\/a><img decoding=\"async\" class=\"bde-image2-369-1408 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png\" loading=\"lazy\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png 500w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-208x300.png 208w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-8x12.png 8w\" sizes=\"(max-width: 500px) 100vw, 500px\">\n<\/div>\n<\/div><div class=\"bde-columns-369-1203 bde-columns\"><div class=\"bde-column-369-1204 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1205 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1206 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1207 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1208 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1208-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1208-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">When is the earliest I can receive the loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1208-button-1\" id=\"bde-faq-1208-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1208-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1208-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is proof of income required when applying for a mortgage loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1208-button-2\" id=\"bde-faq-1208-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1208-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1208-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I apply for a second mortgage on my property, which includes tenement buildings, village houses, and industrial buildings?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1208-button-3\" id=\"bde-faq-1208-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1208-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-1208-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">If I only have a parking space and no residential property, can I apply for a large loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1208-button-4\" id=\"bde-faq-1208-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">\n<div class=\"mk-toggle-pane\">\n<p class=\"p1\">Yes. Parking spaces are also high-quality collateral, and GICL offers exclusive parking mortgage plans to help you easily cash out.<\/p>\n<\/div>\n<\/div>\n<div class=\"mk-toggle fancy-style mk-faq-toggle\">\u00a0<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div><div class=\"bde-advanced-tabs-content-369-1209 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1211 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1212 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1301 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" height=\"512\" viewbox=\"0 0 64 64\" width=\"512\" data-name=\"Layer 1\"><path d=\"m20.184 61.282a3.45 3.45 0 0 1 -2.474-1.036 3.562 3.562 0 0 1 0-4.978l1.912-2.037a3.579 3.579 0 0 1 5.016-.017 3.522 3.522 0 0 1 .008 4.916l-1.972 2.1a3.46 3.46 0 0 1 -2.49 1.052zm1.954-7.115a1.5 1.5 0 0 0 -1.075.45l-1.911 2.037a1.558 1.558 0 0 0 -.017 2.188 1.506 1.506 0 0 0 2.1 0l1.964-2.09.016-.018a1.513 1.513 0 0 0 0-2.117 1.5 1.5 0 0 0 -1.077-.45z\"\/><path d=\"m15.844 58.567a3.451 3.451 0 0 1 -2.474-1.035 3.562 3.562 0 0 1 0-4.98l2.731-2.9a3.581 3.581 0 0 1 5.014-.015 3.523 3.523 0 0 1 .009 4.917l-2.792 2.96a3.459 3.459 0 0 1 -2.488 1.053zm2.771-7.975a1.5 1.5 0 0 0 -1.074.45l-2.731 2.9a1.561 1.561 0 0 0 -.016 2.188 1.509 1.509 0 0 0 2.1 0l2.783-2.952.015-.016a1.514 1.514 0 0 0 0-2.118 1.5 1.5 0 0 0 -1.077-.452z\"\/><path d=\"m56.364 44.311a1 1 0 0 1 -.713-.3l-18.317-18.589a1 1 0 0 1 0-1.4l5.637-5.722a1 1 0 0 1 .712-.3 1 1 0 0 1 .713.3l18.316 18.589a1 1 0 0 1 0 1.4l-5.636 5.721a1 1 0 0 1 -.712.301zm-16.913-19.591 16.913 17.166 4.232-4.3-16.913-17.161z\"\/><path d=\"m24.524 64a3.449 3.449 0 0 1 -2.473-1.035 3.562 3.562 0 0 1 0-4.98l1.09-1.172a3.576 3.576 0 0 1 5.019-.021 3.522 3.522 0 0 1 .01 4.915l-1.153 1.237a3.462 3.462 0 0 1 -2.493 1.056zm1.136-6.254a1.5 1.5 0 0 0 -1.075.449l-1.085 1.17a1.561 1.561 0 0 0 -.02 2.193 1.507 1.507 0 0 0 2.1 0l1.143-1.227.019-.02a1.514 1.514 0 0 0 0-2.118 1.492 1.492 0 0 0 -1.082-.45z\"\/><path d=\"m48.08 51.7-1.423-1.4 3.4-3.439a3.066 3.066 0 0 0 .724-1.19l1.111-3.384a1 1 0 0 1 .238-.389l1.409-1.431 1.425 1.4-1.245 1.263-1.039 3.162a5.086 5.086 0 0 1 -1.2 1.972z\"\/><path d=\"m13.435 53.847a3.451 3.451 0 0 1 -2.474-1.035 3.562 3.562 0 0 1 0-4.98l1.61-1.745.022-.024a3.593 3.593 0 0 1 5 0 3.524 3.524 0 0 1 0 4.926l-1.663 1.8a3.463 3.463 0 0 1 -2.495 1.058zm.593-6.39-1.62 1.755a1.563 1.563 0 0 0 -.022 2.2 1.507 1.507 0 0 0 2.1 0l1.663-1.8a1.522 1.522 0 0 0 .022-2.141 1.544 1.544 0 0 0 -2.143-.014z\"\/><path d=\"m37.772 63.285a3.447 3.447 0 0 1 -2.472-1.039l-7.2-7.37 1.429-1.4 7.2 7.367a1.494 1.494 0 0 0 2.09 0 1.554 1.554 0 0 0 0-2.172l-7.2-7.37 1.429-1.4 7.2 7.368a3.563 3.563 0 0 1 0 4.976 3.445 3.445 0 0 1 -2.476 1.04z\"\/><path d=\"m44.105 62.57a3.444 3.444 0 0 1 -2.472-1.039l-10.019-10.231 1.429-1.4 10.017 10.23a1.5 1.5 0 0 0 2.091 0 1.554 1.554 0 0 0 0-2.172l-10.019-10.232 1.429-1.4 10.018 10.229a3.565 3.565 0 0 1 0 4.976 3.445 3.445 0 0 1 -2.474 1.039z\"\/><path d=\"m7.629 42.311a1 1 0 0 1 -.713-.3l-5.629-5.72a1 1 0 0 1 0-1.4l18.295-18.591a1.029 1.029 0 0 1 1.425 0l5.63 5.721a1 1 0 0 1 0 1.4l-18.295 18.591a1 1 0 0 1 -.713.299zm-4.229-6.72 4.226 4.294 16.895-17.165-4.227-4.294z\"\/><path d=\"m31.439 64a3.443 3.443 0 0 1 -2.471-1.039l-1.681-1.708 1.426-1.4 1.68 1.708a1.5 1.5 0 0 0 2.093 0 1.556 1.556 0 0 0 0-2.172l-4.392-4.511 1.433-1.4 4.388 4.508a3.563 3.563 0 0 1 0 4.974 3.448 3.448 0 0 1 -2.476 1.04z\"\/><path d=\"m12.94 46.7-.433-.438a5.087 5.087 0 0 1 -1.2-1.972l-1.036-3.16-1.244-1.263 1.426-1.4 1.407 1.433a1 1 0 0 1 .238.39l1.11 3.384a3.056 3.056 0 0 0 .724 1.191l.432.438z\"\/><path d=\"m45.512 56.85a3.447 3.447 0 0 1 -2.472-1.039l-7.908-8.085 1.43-1.4 7.906 8.083a1.5 1.5 0 0 0 2.091 0 1.557 1.557 0 0 0 0-2.173l-14.272-14.536a.915.915 0 0 1 -.082-.095c-1.76 1.324-5.7 3.843-8.616 2.39a2.478 2.478 0 0 1 -1.617-2.1c-.075-1.658 1.882-2.95 2.275-3.192l8.3-5.885a5.025 5.025 0 0 1 2.117-.863l3.6-.6 1.181-1.2 1.425 1.4-1.406 1.445a1 1 0 0 1 -.549.285l-3.93.651a3.009 3.009 0 0 0 -1.278.52l-8.357 5.918c-.723.451-1.393 1.159-1.38 1.435 0 .024.094.189.512.4 2.08 1.036 6.049-1.746 7.276-2.8a1 1 0 0 1 1.472.183l.541.772 14.214 14.469a3.567 3.567 0 0 1 0 4.978 3.444 3.444 0 0 1 -2.473 1.039z\"\/><path d=\"m32.758 30a1 1 0 0 1 -.578-.185l-1.922-1.363a3.014 3.014 0 0 0 -1.267-.518l-3.934-.652a1 1 0 0 1 -.55-.285l-1.407-1.431a1 1 0 0 1 1.426-1.4l1.179 1.2 3.6.6a5 5 0 0 1 2.107.861l1.921 1.364a1 1 0 0 1 -.575 1.809z\"\/><path d=\"m32 20a5.006 5.006 0 0 1 -5-5h2a3 3 0 1 0 3-3 5 5 0 1 1 5-5h-2a3 3 0 1 0 -3 3 5 5 0 0 1 0 10z\"\/><path d=\"m31 0h2v3h-2z\"\/><path d=\"m31 19h2v3h-2z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1213 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1214 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1215 bde-heading\">\nLacking Cash Flow?\n<\/h3><p class=\"bde-text-369-1216 bde-text\">\nBricks turn into pension, enjoy a prosperous retirement life.\n<\/p>\n<\/div><div class=\"bde-div-369-1217 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1218 bde-heading\">\nWhat problems have you encountered?\n<\/h3><p class=\"bde-text-369-1219 bde-text\">\nYou\u2019ve 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?\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1220 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1221 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1222 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1223 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1224 bde-text\">\nWhether private flats, tenement buildings, or village houses, as long as you own property, you can cash out even with a poor TU credit rating.\n<\/p><div class=\"bde-icon-369-1225 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1226 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1227 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1228 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1229 bde-heading\">\nSecond Mortgage\n<\/h3>\n<\/div><p class=\"bde-text-369-1230 bde-text\">\nMaintain the original bank's low-interest mortgage offer, and easily unlock cash by leveraging property appreciation potential.\n<\/p><div class=\"bde-icon-369-1231 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=447\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1232 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1233 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1234 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32V448c0 35.3 28.7 64 64 64H448.5c35.5 0 64.2-28.8 64-64.3l-.7-160.2h32zM288 160a64 64 0 1 1 0 128 64 64 0 1 1 0-128zM176 400c0-44.2 35.8-80 80-80h64c44.2 0 80 35.8 80 80c0 8.8-7.2 16-16 16H192c-8.8 0-16-7.2-16-16z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1235 bde-heading\">\nHOS Homeowner Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1236 bde-text\">\nMake good use of your self-occupied HOS flat to unlock cash\u2014even without having paid the premium, you can apply, easily accessing substantial funds for clearing debts or investing in a new business.\n<\/p><div class=\"bde-icon-369-1237 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=455\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1238 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1239 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1240 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M256 0C114.6 0 0 114.6 0 256V448c0 35.3 28.7 64 64 64h42.8c-6.6-5.9-10.8-14.4-10.8-24V376c0-20.8 11.3-38.9 28.1-48.6l21-64.7c7.5-23.1 29-38.7 53.3-38.7H313.6c24.3 0 45.8 15.6 53.3 38.7l21 64.7c16.8 9.7 28.2 27.8 28.2 48.6V488c0 9.6-4.2 18.1-10.8 24H448c35.3 0 64-28.7 64-64V256C512 114.6 397.4 0 256 0zM362.8 512c-6.6-5.9-10.8-14.4-10.8-24V448H160v40c0 9.6-4.2 18.1-10.8 24H362.8zM190.8 277.5L177 320H335l-13.8-42.5c-1.1-3.3-4.1-5.5-7.6-5.5H198.4c-3.5 0-6.5 2.2-7.6 5.5zM168 408a24 24 0 1 0 0-48 24 24 0 1 0 0 48zm200-24a24 24 0 1 0 -48 0 24 24 0 1 0 48 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1241 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1242 bde-text\">\nMake good use of idle parking space assets to unlock cash\u2014simple procedures provide extra cash flow for business operations.\n<\/p><div class=\"bde-icon-369-1243 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div>\n<\/div><div class=\"bde-columns-369-1244 bde-columns\"><div class=\"bde-column-369-1245 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1246 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1247 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1248 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1249 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1249-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1249-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What should I do if I have paid the deposit for a new property, but the bank refuses to approve the mortgage close to the completion date?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1249-button-1\" id=\"bde-faq-1249-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>GICL can help you close deals on properties, quickly approve mortgage loans, and avoid losing deposits due to cancellations.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1249-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1249-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">In GICL Mortgage, can I transfer the mortgage back to the bank in the future?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1249-button-2\" id=\"bde-faq-1249-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1249-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1249-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I apply to the committee to approve the sale of my property if it is a parking space, tong lau, village house, or industrial building?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1249-button-3\" id=\"bde-faq-1249-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1249-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-1249-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is proof of income required when applying for a mortgage loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1249-button-4\" id=\"bde-faq-1249-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><div class=\"mk-toggle fancy-style mk-faq-toggle\">No need, GICL  does not require proof of income or stress testing, mainly assessing property value. Approval is simpler than a bank's, helping you complete the property transaction on time.<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div><div class=\"bde-advanced-tabs-content-369-1302 bde-advanced-tabs-content\"><div tabindex=\"0\" role=\"tabpanel\" class=\"bde-tabs__panel js-panel\" id=\"\" aria-labelledby=\"\">\r\n  <div class=\"bde-tabs__panel-content\">\r\n    <div class=\"bde-grid-369-1304 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1305 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1306 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 64 64\" data-name=\"Layer 1\"><path d=\"m58.33 63h-52.66c-.55 0-1-.45-1-1v-25.83c0-.55.45-1 1-1s1 .45 1 1v24.83h50.67v-24.83c0-.55.45-1 1-1s1 .45 1 1v25.83c0 .55-.45 1-1 1z\"\/><path d=\"m25.72 37.17h-23.72c-.33 0-.63-.16-.82-.42s-.23-.61-.12-.91l2.95-8.26c.18-.52.76-.8 1.28-.61s.79.76.61 1.28l-2.47 6.92h22.3c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><path d=\"m62 37.17h-5.61c-.55 0-1-.45-1-1s.45-1 1-1h4.19l-4.29-12h-22.52c-.55 0-1-.45-1-1s.45-1 1-1h23.22c.42 0 .8.27.94.66l5 14c.11.31.06.65-.12.91s-.49.42-.82.42z\"\/><path d=\"m27.44 58.16h-17.83c-.55 0-1-.45-1-1v-11.89c0-.55.45-1 1-1h17.83c.55 0 1 .45 1 1v11.89c0 .55-.45 1-1 1zm-16.83-2h15.83v-9.89h-15.83z\"\/><path d=\"m62 63h-60c-.55 0-1-.45-1-1s.45-1 1-1h60c.55 0 1 .45 1 1s-.45 1-1 1z\"\/><g><path d=\"m18.53 28.27c-1.96 0-3.56-1.6-3.56-3.56 0-.55.45-1 1-1s1 .45 1 1c0 .86.7 1.56 1.56 1.56s1.56-.7 1.56-1.56-.7-1.56-1.56-1.56c-1.96 0-3.56-1.6-3.56-3.56s1.6-3.56 3.56-3.56 3.56 1.6 3.56 3.56c0 .55-.45 1-1 1s-1-.45-1-1c0-.86-.7-1.56-1.56-1.56s-1.56.7-1.56 1.56.7 1.56 1.56 1.56c1.96 0 3.56 1.6 3.56 3.56s-1.6 3.56-3.56 3.56z\"\/><path d=\"m18.53 18.01c-.55 0-1-.45-1-1v-1.71c0-.55.45-1 1-1s1 .45 1 1v1.71c0 .55-.45 1-1 1z\"\/><path d=\"m18.53 29.98c-.55 0-1-.45-1-1v-1.71c0-.55.45-1 1-1s1 .45 1 1v1.71c0 .55-.45 1-1 1z\"\/><\/g><path d=\"m18.53 34.45c-6.79 0-12.31-5.52-12.31-12.31s5.52-12.31 12.31-12.31 12.31 5.52 12.31 12.31-5.52 12.31-12.31 12.31zm0-22.61c-5.68 0-10.31 4.62-10.31 10.31s4.62 10.31 10.31 10.31 10.31-4.62 10.31-10.31-4.62-10.31-10.31-10.31z\"\/><path d=\"m18.53 8.17c-.55 0-1-.45-1-1v-4.17c0-.55.45-1 1-1s1 .45 1 1v4.17c0 .55-.45 1-1 1z\"\/><path d=\"m29.83 11.83c-.55 0-1-.45-1-1v-4.17c0-.55.45-1 1-1s1 .45 1 1v4.17c0 .55-.45 1-1 1z\"\/><path d=\"m7.22 11.83c-.55 0-1-.45-1-1v-4.17c0-.55.45-1 1-1s1 .45 1 1v4.17c0 .55-.45 1-1 1z\"\/><path d=\"m49.74 63h-17.53c-.55 0-1-.45-1-1v-21.57c0-.55.45-1 1-1s1 .45 1 1v20.57h15.53v-20.57c0-.55.45-1 1-1s1 .45 1 1v21.57c0 .55-.45 1-1 1z\"\/><path d=\"m46.28 63h-9.58c-.55 0-1-.45-1-1v-9.18c0-3.19 2.6-5.79 5.79-5.79s5.79 2.6 5.79 5.79v9.18c0 .55-.45 1-1 1zm-8.58-2h7.58v-8.18c0-2.09-1.7-3.79-3.79-3.79s-3.79 1.7-3.79 3.79z\"\/><path d=\"m39.27 57.14c-.55 0-1-.45-1-1v-.44c0-.55.45-1 1-1s1 .45 1 1v.44c0 .55-.45 1-1 1z\"\/><path d=\"m52.1 43.85c-.27 0-.53-.11-.71-.3l-10.41-10.63-10.41 10.63c-.2.21-.48.31-.77.3-.29-.02-.55-.15-.73-.38l-2.41-3.04c-.31-.4-.28-.96.07-1.32l13.53-13.77c.38-.38 1.05-.38 1.43 0l13.53 13.77c.35.36.38.93.07 1.32l-2.41 3.04c-.18.22-.44.36-.73.38-.02 0-.04 0-.05 0zm-11.12-13.36c.27 0 .53.11.71.3l10.33 10.55 1.16-1.46-12.2-12.42-12.2 12.42 1.16 1.46 10.33-10.55c.19-.19.45-.3.71-.3z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1307 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1308 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1309 bde-heading\">\nWant to ease your mortgage burden or cash out?\n<\/h3><p class=\"bde-text-369-1310 bde-text\">\nEasily transfer your mortgage to earn better interest rates and flexible funds.\n<\/p>\n<\/div><div class=\"bde-div-369-1311 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-369-1312 bde-heading\">\nWhat problems have you encountered?\n<\/h3><p class=\"bde-text-369-1313 bde-text\">\n\u73fe\u6709\u6309\u63ed\u5229\u606f\u592a\u9ad8\uff0c\u6bcf\u6708\u4f9b\u6b3e\u58d3\u529b\u5927\uff1f\u6216\u8005\u7269\u696d\u5df2\u7d93\u5347\u503c\uff0c\u60f3\u5957\u73fe\u4e00\u7b46\u8cc7\u91d1\u4f5c\u6295\u8cc7\u3001\u751f\u610f\u5468\u8f49\u6216\u5b50\u5973\u5347\u5b78\u4e4b\u7528\uff0c\u4f46\u539f\u6709\u8ca1\u52d9\u6a5f\u69cb\u624b\u7e8c\u7e41\u8907\u3001\u751a\u81f3\u62d2\u7d55\u7533\u8acb\uff1f\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1314 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1315 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1316 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1317 bde-heading\">\nFirst Mortgage Loan\n<\/h3>\n<\/div><p class=\"bde-text-369-1318 bde-text\">\nTransfer existing mortgages to GICL to secure more flexible repayment options, or cash out any appreciation in property value.\n<\/p><div class=\"bde-icon-369-1319 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=445\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1320 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1321 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1322 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 640 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M320.7 352c8.1-89.7 83.5-160 175.3-160c8.9 0 17.6 .7 26.1 1.9L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64l.7 0zM640 368a144 144 0 1 0 -288 0 144 144 0 1 0 288 0zm-76.7-43.3c6.2 6.2 6.2 16.4 0 22.6l-72 72c-6.2 6.2-16.4 6.2-22.6 0l-40-40c-6.2-6.2-6.2-16.4 0-22.6s16.4-6.2 22.6 0L480 385.4l60.7-60.7c6.2-6.2 16.4-6.2 22.6 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1323 bde-heading\">\nSecond Mortgage\n<\/h3>\n<\/div><p class=\"bde-text-369-1324 bde-text\">\nConsolidate loans, concentrate repayments, and reduce interest expenses and monthly payment pressure.\n<\/p><div class=\"bde-icon-369-1325 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=447\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1332 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1333 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1334 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M256 0C114.6 0 0 114.6 0 256V448c0 35.3 28.7 64 64 64h42.8c-6.6-5.9-10.8-14.4-10.8-24V376c0-20.8 11.3-38.9 28.1-48.6l21-64.7c7.5-23.1 29-38.7 53.3-38.7H313.6c24.3 0 45.8 15.6 53.3 38.7l21 64.7c16.8 9.7 28.2 27.8 28.2 48.6V488c0 9.6-4.2 18.1-10.8 24H448c35.3 0 64-28.7 64-64V256C512 114.6 397.4 0 256 0zM362.8 512c-6.6-5.9-10.8-14.4-10.8-24V448H160v40c0 9.6-4.2 18.1-10.8 24H362.8zM190.8 277.5L177 320H335l-13.8-42.5c-1.1-3.3-4.1-5.5-7.6-5.5H198.4c-3.5 0-6.5 2.2-7.6 5.5zM168 408a24 24 0 1 0 0-48 24 24 0 1 0 0 48zm200-24a24 24 0 1 0 -48 0 24 24 0 1 0 48 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1335 bde-heading\">\nCar Park Mortgage\u00a0\u00a0\n<\/h3>\n<\/div><p class=\"bde-text-369-1336 bde-text\">\nAfter the parking space appreciates in value, it can also be cashed out through mortgage transfer, which is quicker and easier.\n<\/p><div class=\"bde-icon-369-1337 bde-icon btn-hover-up\">\n\n    \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link bde-icon-icon breakdance-icon-atom\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=451\" target=\"_self\" data-type=\"url\"  >\n\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-369-1409 bde-div service-card\">\n              \n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1410 bde-text\">\nWhether it\u2019s a first mortgage, second mortgage, or refinancing, no income proof or stress test is required\u2014helping you quickly meet urgent financial needs.\n<\/div><a class=\"bde-container-link-369-1411 bde-container-link breakdance-link\" href=\"https:\/\/gicl.com.hk\/en\/property-mortgage-application\/\" target=\"_self\" data-type=\"url\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1412 bde-text\">\nApply Now\n<\/div><div class=\"bde-icon-369-1413 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-arrow-up-right2\" viewbox=\"0 0 32 32\">\n<path d=\"M7.414 27.414l16.586-16.586v7.172c0 1.105 0.895 2 2 2s2-0.895 2-2v-12c0-0.809-0.487-1.538-1.235-1.848-0.248-0.103-0.508-0.151-0.765-0.151v-0.001h-12c-1.105 0-2 0.895-2 2s0.895 2 2 2h7.172l-16.586 16.586c-0.391 0.39-0.586 0.902-0.586 1.414s0.195 1.024 0.586 1.414c0.781 0.781 2.047 0.781 2.828 0z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n\n<\/a><img decoding=\"async\" class=\"bde-image2-369-1414 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png\" loading=\"lazy\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo.png 500w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-208x300.png 208w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/gicl_slogo-8x12.png 8w\" sizes=\"(max-width: 500px) 100vw, 500px\">\n<\/div>\n<\/div><div class=\"bde-columns-369-1338 bde-columns\"><div class=\"bde-column-369-1339 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1340 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 0 48 256a208 208 0 1 0 416 0zM0 256a256 256 0 1 1 512 0A256 256 0 1 1 0 256zm169.8-90.7c7.9-22.3 29.1-37.3 52.8-37.3h58.3c34.9 0 63.1 28.3 63.1 63.1c0 22.6-12.1 43.5-31.7 54.8L280 264.4c-.2 13-10.9 23.6-24 23.6c-13.3 0-24-10.7-24-24V250.5c0-8.6 4.6-16.5 12.1-20.8l44.3-25.4c4.7-2.7 7.6-7.7 7.6-13.1c0-8.4-6.8-15.1-15.1-15.1H222.6c-3.4 0-6.4 2.1-7.5 5.3l-.4 1.2c-4.4 12.5-18.2 19-30.6 14.6s-19-18.2-14.6-30.6l.4-1.2zM224 352a32 32 0 1 1 64 0 32 32 0 1 1 -64 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-369-1341 bde-heading\">\nFAQ\n<\/h3>\n<\/div><div class=\"bde-column-369-1342 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-frequently-asked-questions-369-1343 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1343-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-1343-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Should the property be re-evaluated as needed?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1343-button-1\" id=\"bde-faq-1343-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1343-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-1343-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">If I don't have a fixed income, can I apply for a mortgage transfer?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1343-button-2\" id=\"bde-faq-1343-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Yes. GICL's approval process waives stress tests and is primarily based on the latest property valuation, making the procedures simpler than traditional banks.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-1343-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-1343-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is the mortgage transfer process complicated and time-consuming?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-1343-button-3\" id=\"bde-faq-1343-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>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.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div>\n<\/div><\/div>\r\n  <\/div>\r\n<\/div>\r\n<\/div>\n<\/div>\n\n\n<\/div>\n<\/div><\/div>\n<\/section><div class=\"bde-globalblock-369-749 bde-globalblock\"><section class=\"bde-section-807-100-807-1 bde-section bde-section-807-100\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-807-101-807-1 bde-div bde-div-807-101\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-807-102-807-1 bde-div bde-div-807-102\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-807-159-807-1 bde-text bde-text-807-159\">\nApplication Process\n<\/div><h2 class=\"bde-heading-807-104-807-1 bde-heading bde-heading-807-104\">\nComplete Your Application in a Few Simple Steps\n<\/h2>\n<\/div><div class=\"bde-div-807-105-807-1 bde-div bde-div-807-105\">\n  \n  \n\t\n\n\n\n<div class=\"bde-grid-807-106-807-1 bde-grid bde-grid-807-106\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-807-107-807-1 bde-div bde-div-807-107\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-807-108-807-1 bde-div bde-div-807-108\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-807-109-807-1 bde-text bde-text-807-109\">\n01\n<\/span><div class=\"bde-div-807-110-807-1 bde-div bde-div-807-110\">\n  \n  \n\t\n\n\n\n\n<\/div>\n<\/div><div class=\"bde-div-807-111-807-1 bde-div bde-div-807-111\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-807-112-807-1 bde-heading bde-heading-807-112\">\n1-Minute Online Application\n<\/h3><p class=\"bde-text-807-113-807-1 bde-text bde-text-807-113\">\nFill out our online form or submit documents via WhatsApp\/Email for a fast and easy start.\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-807-114-807-1 bde-div bde-div-807-114\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-807-115-807-1 bde-div bde-div-807-115\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-807-116-807-1 bde-text bde-text-807-116\">\n02\n<\/span><div class=\"bde-div-807-117-807-1 bde-div bde-div-807-117\">\n  \n  \n\t\n\n\n\n\n<\/div>\n<\/div><div class=\"bde-div-807-118-807-1 bde-div bde-div-807-118\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-807-119-807-1 bde-heading bde-heading-807-119\">\n15-Minute Preliminary Approval*\n<\/h3><p class=\"bde-text-807-120-807-1 bde-text bde-text-807-120\">\nProcessed instantly by our specialists, with preliminary approval results available in as fast as 15 minutes.\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-807-121-807-1 bde-div bde-div-807-121\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-807-122-807-1 bde-div bde-div-807-122\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-807-123-807-1 bde-text bde-text-807-123\">\n03\n<\/span><div class=\"bde-div-807-124-807-1 bde-div bde-div-807-124\">\n  \n  \n\t\n\n\n\n\n<\/div>\n<\/div><div class=\"bde-div-807-125-807-1 bde-div bde-div-807-125\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-807-126-807-1 bde-heading bde-heading-807-126\">\n24-Hour Cash Disbursement*\n<\/h3><p class=\"bde-text-807-127-807-1 bde-text bde-text-807-127\">\nSign the contract in person in as fast as 24 hours.<br>Get your cash cheque on the same day to instantly resolve your cash flow needs.\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-text-807-128-807-1 bde-text bde-text-807-128\">\nMortgage services are available during office hours from Monday to Friday, excluding Saturdays, Sundays, public holidays, or unless otherwise announced; however, the actual approval and cheque issuance times will be subject to the approval status of each individual mortgage application by our company.\n<\/div>\n<\/div><\/div>\n<\/section><\/div><section class=\"bde-section-369-1345 bde-section\" testimonial=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-369-1346 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1347 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-1348 bde-text\">\nClient Testimonials\n<\/div><h2 class=\"bde-heading-369-1349 bde-heading\">\nDiscover the Real Stories of Our Satisfied Customers\n<\/h2><p class=\"bde-text-369-1350 bde-text\">\nReal stories from our satisfied clients. Discover how GICL's flexible plans and rapid approval help entrepreneurs overcome challenges and seize opportunities.\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-369-1351 bde-div swiper_mask\" testimonial-slider=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1352 bde-div swiper-wrapper\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1353 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1354 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1355 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-quotes-left\" viewbox=\"0 0 32 32\">\n<path d=\"M7.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.357-0.056 0.724-0.086 1.097-0.086zM25.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.358-0.056 0.724-0.086 1.097-0.086z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1356 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-369-1357 bde-text gicl-truncate-text\">\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.<br><br>Facing the double squeeze of delayed customer payments and supplier chases, banks scrutinize property top-ups harshly, demanding extensive financial reports that are too slow to help in emergencies. Fortunately, GICL offers a flexible second mortgage solution, waiving income proof and stress tests, successfully unlocking cash to instantly resolve my cash flow crisis.\n<\/p><div class=\"bde-text-369-1358 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-369-1359 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1360 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1361 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-369-1362 bde-text\">\nMr. Wong\n<\/span><span class=\"bde-text-369-1363 bde-text\">\nF&amp;B Entrepreneur\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-369-1364 bde-star-rating\">\n\n\n\n  <div class='bde-star-rating__wrapper'>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n  <\/div>\n\n\n\n<svg width=\"0\" height=\"0\">\n<lineargradient id=\"starhalf1364\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\">\n        <stop offset=\"0%\" stop-color=\"var(--hcl-tertiary-10)\"><\/stop>\n \t\t<stop offset=\"0%\" stop-color=\"lightgrey\"><\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1365 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1366 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1367 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-quotes-left\" viewbox=\"0 0 32 32\">\n<path d=\"M7.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.357-0.056 0.724-0.086 1.097-0.086zM25.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.358-0.056 0.724-0.086 1.097-0.086z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1368 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-369-1369 bde-text gicl-truncate-text\">\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.<br><br>Facing the double squeeze of delayed customer payments and supplier chases, banks scrutinize property top-ups harshly, demanding extensive financial reports that are too slow to help in emergencies. Fortunately, GICL offers a flexible second mortgage solution, waiving income proof and stress tests, successfully unlocking cash to instantly resolve my cash flow crisis.\n<\/p><div class=\"bde-text-369-1370 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-369-1371 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1372 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1373 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-369-1374 bde-text\">\nMr. Law\n<\/span><span class=\"bde-text-369-1375 bde-text\">\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-369-1376 bde-star-rating\">\n\n\n\n  <div class='bde-star-rating__wrapper'>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n  <\/div>\n\n\n\n<svg width=\"0\" height=\"0\">\n<lineargradient id=\"starhalf1376\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\">\n        <stop offset=\"0%\" stop-color=\"var(--hcl-tertiary-10)\"><\/stop>\n \t\t<stop offset=\"0%\" stop-color=\"lightgrey\"><\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-369-1377 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1378 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-1379 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"icon-quotes-left\" viewbox=\"0 0 32 32\">\n<path d=\"M7.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.357-0.056 0.724-0.086 1.097-0.086zM25.031 14c3.866 0 7 3.134 7 7s-3.134 7-7 7-7-3.134-7-7l-0.031-1c0-7.732 6.268-14 14-14v4c-2.671 0-5.182 1.040-7.071 2.929-0.364 0.364-0.695 0.751-0.995 1.157 0.358-0.056 0.724-0.086 1.097-0.086z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-div-369-1380 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-369-1381 bde-text gicl-truncate-text\">\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.<br><br>Facing the double squeeze of delayed customer payments and supplier chases, banks scrutinize property top-ups harshly, demanding extensive financial reports that are too slow to help in emergencies. Fortunately, GICL offers a flexible second mortgage solution, waiving income proof and stress tests, successfully unlocking cash to instantly resolve my cash flow crisis.\n<\/p><div class=\"bde-text-369-1382 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-369-1383 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1384 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-1385 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-369-1386 bde-text\">\nMr. Law\n<\/span><span class=\"bde-text-369-1387 bde-text\">\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-369-1388 bde-star-rating\">\n\n\n\n  <div class='bde-star-rating__wrapper'>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n    <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\"  role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\" class=\"svg-inline--fa fa-star fa-w-18 fa-2x\"><path d=\"M259.3 17.8L194 150.2 47.9 171.5c-26.2 3.8-36.7 36.1-17.7 54.6l105.7 103-25 145.5c-4.5 26.3 23.2 46 46.4 33.7L288 439.6l130.7 68.7c23.2 12.2 50.9-7.4 46.4-33.7l-25-145.5 105.7-103c19-18.5 8.5-50.8-17.7-54.6L382 150.2 316.7 17.8c-11.7-23.6-45.6-23.9-57.4 0z\" class=\"\"><\/path><\/svg>\n  <\/div>\n\n\n\n<svg width=\"0\" height=\"0\">\n<lineargradient id=\"starhalf1388\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\">\n        <stop offset=\"0%\" stop-color=\"var(--hcl-tertiary-10)\"><\/stop>\n \t\t<stop offset=\"0%\" stop-color=\"lightgrey\"><\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-code-block-369-1389 bde-code-block\">\n\n\n\n<\/div>\n<\/div><div class=\"bde-fancy-container-369-1390 bde-fancy-container\">\n              \n  \n  \n\t\n  <div class=\"breakdance-swiper-wrapper section-background-slideshow\">\n    <div class=\"swiper\">\n      <!-- Additional required wrapper -->\n      <div class=\"swiper-wrapper\">\n        <!-- Slides -->\n              <\/div>\n    <\/div>\n  <\/div>\n\n\n\n\n<\/div><\/div>\n<\/section><section class=\"bde-section-369-800 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-369-801 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-802 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-369-803 bde-text\">\nLiquidity without the wait.\n<\/div><h2 class=\"bde-heading-369-804 bde-heading\">\nUnlock Property Equity \u2013 Apply for Rapid Liquidity Now!\n<\/h2><p class=\"bde-text-369-805 bde-text\">\nGICL provides the most flexible mortgage solutions. Whether it's a first or second mortgage, refinancing,<br>No Income Proof Required, No Stress Test Required, secure cash within 24 hours to resolve urgent financial needs.\n<\/p>\n<\/div><div class=\"bde-div-369-806 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-button-369-807 bde-button btn-hover-up\">\n        \n    \n    \n    \n    \n            \n            <button type=\"button\" class=\"button-atom button-atom--custom bde-button__button\"  >\n    \n        <span class=\"button-atom__text\">Apply Now<\/span>\n\n        \n        \n            <\/button>\n    \n\n\n<\/div><div class=\"bde-div-369-808 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-369-809 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-810 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M464 256A208 208 0 1 1 48 256a208 208 0 1 1 416 0zM0 256a256 256 0 1 0 512 0A256 256 0 1 0 0 256zM232 120V256c0 8 4 15.5 10.7 20l96 64c11 7.4 25.9 4.4 33.3-6.7s4.4-25.9-6.7-33.3L280 243.2V120c0-13.3-10.7-24-24-24s-24 10.7-24 24z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><span class=\"bde-text-369-811 bde-text\">\n15-Minute Preliminary Approval\n<\/span>\n<\/div><div class=\"bde-div-369-812 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-813 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><!--!Font Awesome Pro 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license (Commercial License) Copyright 2024 Fonticons, Inc.--><path d=\"M311.9 166.1L112 366.1l0-36c0-55.2 21.9-108.1 60.9-147.1L276.7 79.2c20-20 47.1-31.2 75.3-31.2s55.3 11.2 75.3 31.2l5.5 5.5c20 20 31.2 47.1 31.2 75.3c0 16.8-4 33.3-11.4 48H337.9l7.9-7.9c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0zm-22 89.9H412.1l-48 48H241.9l48-48zm24.9 96c-37.2 30.9-84.2 48-132.9 48h-36l48-48H314.9zM64 330v84L7 471c-9.4 9.4-9.4 24.6 0 33.9s24.6 9.4 33.9 0l57-57h84c67.9 0 133-27 181-75L466.7 269.3c29-29 45.3-68.3 45.3-109.3s-16.3-80.3-45.3-109.3l-5.5-5.5C432.3 16.3 393 0 352 0s-80.3 16.3-109.3 45.3L139 149C91 197 64 262.1 64 330z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><span class=\"bde-text-369-814 bde-text\">\nNo Income Proof Required \n<\/span>\n<\/div><div class=\"bde-div-369-815 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-369-816 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><!--! Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M448 75.2v361.7c0 24.3-19 43.2-43.2 43.2H43.2C19.3 480 0 461.4 0 436.8V75.2C0 51.1 18.8 32 43.2 32h361.7c24 0 43.1 18.8 43.1 43.2zm-37.3 361.6V75.2c0-3-2.6-5.8-5.8-5.8h-9.3L285.3 144 224 94.1 162.8 144 52.5 69.3h-9.3c-3.2 0-5.8 2.8-5.8 5.8v361.7c0 3 2.6 5.8 5.8 5.8h361.7c3.2.1 5.8-2.7 5.8-5.8zM150.2 186v37H76.7v-37h73.5zm0 74.4v37.3H76.7v-37.3h73.5zm11.1-147.3l54-43.7H96.8l64.5 43.7zm210 72.9v37h-196v-37h196zm0 74.4v37.3h-196v-37.3h196zm-84.6-147.3l64.5-43.7H232.8l53.9 43.7zM371.3 335v37.3h-99.4V335h99.4z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><span class=\"bde-text-369-817 bde-text\">\nNo stress test\n<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Our Solution \u89e3\u6c7a\u65b9\u6848\u00a0\u00a0 \u70ba\u60a8\u5ea6\u8eab\u8a02\u9020\u7684\u8ca1\u52d9\u89e3\u6c7a\u65b9\u6848 GICL \u74b0\u7403\u4fe1\u8cb8\u660e\u767d\u6bcf\u4f4d\u5ba2\u6236\u7684\u8ca1\u52d9\u8655\u5883\u5404 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"class_list":["post-369","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/comments?post=369"}],"version-history":[{"count":4,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/369\/revisions"}],"predecessor-version":[{"id":6855,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/369\/revisions\/6855"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}