{"id":445,"date":"2026-03-09T18:45:34","date_gmt":"2026-03-09T18:45:34","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=445"},"modified":"2026-04-22T02:09:23","modified_gmt":"2026-04-21T18:09:23","slug":"first-mortgage","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/first-mortgage\/","title":{"rendered":"First Mortgage"},"content":{"rendered":"
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\nLoan\u00a0\u00a0\n<\/div>
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\nFirst Mortgage Loan\n<\/h2>

\nRapid Equity Withdrawal with No Income Proof Required\n<\/h2>\n<\/div>\n<\/div>\n \n \n\t\n\n\n\n
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\nContribution Calculator\n<\/div>\n<\/div>\n\n<\/a>\n<\/div>
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\nGICL\n<\/div>

\nFirst Mortgage Loan
Advantages\n<\/h2>

\nUrgent need for cash flow? GICL offers flexible first mortgage loan services. Whether it's for property completion, refinancing, or remortgaging, we provide loan amounts up to 80% of the property valuation, helping you cash out instantly to realize your plans.\n<\/p>\n<\/div>

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Express Approval<\/h3>\n
Preliminary approval in as little as 15 minutes; secure cash within 24 hours to resolve urgent financial needs.<\/div>\n <\/div>\n\n<\/div>
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No Income Proof Required<\/strong><\/h4>\n
Simple application with no income proof or stress test needed. Self-employed and retired individuals are welcome to apply.<\/div>\n <\/div>\n\n<\/div>
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No Property Age Restrictions
High LTV \/ Low Interest<\/h4>\n
Loan amount up to 80% with an annual interest rate as low as 8%. A special revolving standby credit line is also available.<\/div>\n <\/div>\n\n<\/div>
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Zero Extra Handling Fees<\/h4>\n
Free legal and valuation fees. Handling, consultation, and photocopying fees are waived. Flexible repayment with no penalty for early settlement.<\/div>\n <\/div>\n\n<\/div>
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All Property Types & Ages Accepted<\/h4>\n
Covers private units, tenement buildings, HOS flats with or without unpaid premium, village houses, industrial\/commercial buildings, offices, and parking spaces.<\/div>\n <\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section>
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\nApplication Process\n<\/div>

\nComplete Your Application in a Few Simple Steps\n<\/h2>\n<\/div>
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\n1-Minute Online Application\n<\/h3>

\nFill out our online form or submit documents via WhatsApp\/Email for a fast and easy start.\n<\/p>\n<\/div>\n<\/div>

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\n15-Minute Preliminary Approval*\n<\/h3>

\nProcessed instantly by our specialists, with preliminary approval results available in as fast as 15 minutes.\n<\/p>\n<\/div>\n<\/div>

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\n24-Hour Cash Disbursement*\n<\/h3>

\nSign the contract in person in as fast as 24 hours.
Get your cash cheque on the same day to instantly resolve your cash flow needs.\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>

\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>
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\nWhich is right for you?\n<\/div>

\nFinance Company First Mortgage
vs
Traditional Banks\n<\/h3>\n<\/div>
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\nIncome Proof\n<\/p>\n<\/div>

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\nApproval Time\n<\/p>\n<\/div>

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\nCash Disbursement\n<\/p>\n<\/div>

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\nCredit Rating (TU)\n<\/p>\n<\/div>

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\nProperty Age \/ Property Type\n<\/p>\n<\/div>

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\nEarly Repayment\n<\/p>\n<\/div>

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\nLoan-to-Value (LTV) Ratio\n<\/p>\n<\/div>\n<\/div>\n<\/div>

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\nTraditional Banks\u00a0\u00a0\n<\/h4>\n<\/div>
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\n3\u20136 months\u2019 payslips, bank statements\n<\/p>\n<\/div>

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\n2 Months\n<\/p>\n<\/div>

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\n15-Minute Preliminary Approval*\n<\/p>\n<\/div>

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\n15-Minute Preliminary Approval*\n<\/p>\n<\/div>

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\n24-Hour Cash Disbursement*\n<\/p>\n<\/div>

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\nLoan Tips\n<\/div>
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\nWhat are the Differences?\n<\/h2>\n<\/div>\n<\/div>
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\nFirst Mortgage Loan\n<\/div>

\nQuick Cash Out
No Income Proof Required\n<\/h2>\n<\/div>

\nA \"First Mortgage Loan\" is the primary loan secured by a property. This includes new purchase mortgages or refinancing an existing property that is currently debt-free.\n<\/p>

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\nSecond Mortgage\n<\/div>

\nNo Title Deed Required
No Income Proof Required
15-Minute Approval\n<\/h2>\n<\/div>

\nIn contrast, a \"Second Mortgage Loan\" involves applying for a second loan on top of an existing first mortgage. Since the first mortgage holds the primary creditor position with lower risk, its interest rates are usually more favorable than a second mortgage, and the repayment period is longer (up to 240 months).\n<\/p>

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