{"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":"2026-06-23T17:27:07","modified_gmt":"2026-06-23T09:27:07","slug":"first-mortgage","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/first-mortgage\/","title":{"rendered":"First Mortgage"},"content":{"rendered":"<section class=\"bde-section-445-402 bde-section bde-preset-39472868-c0a3-4e41-b58b-028819a5ac2b\" testimonial=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-445-403 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-404 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-574 bde-text\">\nLoan\u00a0\u00a0\n<\/div><div class=\"bde-div-445-406 bde-div\">\n  \n  \n\t\n\n\n\n<h1 class=\"bde-heading-445-407 bde-heading\">\nFirst Mortgage Loan\n<\/h1><h2 class=\"bde-heading-445-408 bde-heading\">\nRapid Equity Withdrawal with No Income Proof Required\n<\/h2>\n<\/div>\n<\/div><a class=\"bde-container-link-445-409 bde-container-link breakdance-link\" href=\"#\" target=\"_self\" data-type=\"action\" data-action=\"{&quot;type&quot;:&quot;popup&quot;,&quot;popupOptions&quot;:{&quot;popupId&quot;:&quot;613&quot;,&quot;popupAction&quot;:&quot;toggle&quot;}}\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-410 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-411 bde-icon\">\n\n    \n            <div class=\"bde-icon-icon breakdance-icon-atom\" >\n    \n                    <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 id=\"path2318\" d=\"m3 1c-1.105 0-2 .896-2 2v26c0 1.104.895 2 2 2h26c1.105 0 2-.896 2-2v-26c0-1.104-.895-2-2-2zm0 2h26v26h-26zm4 2c-1.104 0-2 .896-2 2v2c0 1.104.896 2 2 2h18c1.104 0 2-.896 2-2v-2c0-1.104-.896-2-2-2zm0 2h18v2h-18zm0 6c-1.104 0-2 .896-2 2v2c0 1.104.896 2 2 2h2c1.104 0 2-.896 2-2v-2c0-1.104-.896-2-2-2zm8 0c-1.104 0-2 .896-2 2v2c0 1.104.896 2 2 2h2c1.104 0 2-.896 2-2v-2c0-1.104-.896-2-2-2zm8 0c-1.104 0-2 .896-2 2v10c0 1.104.896 2 2 2h2c1.104 0 2-.896 2-2v-10c0-1.104-.896-2-2-2zm-16 2h2v2h-2zm8 0h2v2h-2zm8 0h2v10h-2zm-16 6c-1.104 0-2 .896-2 2v2c0 1.104.896 2 2 2h2c1.104 0 2-.896 2-2v-2c0-1.104-.896-2-2-2zm8 0c-1.104 0-2 .896-2 2v2c0 1.104.896 2 2 2h2c1.104 0 2-.896 2-2v-2c0-1.104-.896-2-2-2zm-8 2h2v2h-2zm8 0h2v2h-2z\"\/><\/g><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><div class=\"bde-text-445-412 bde-text\">\nContribution Calculator\n<\/div>\n<\/div>\n\n<\/a>\n<\/div><div class=\"bde-div-445-413 bde-div\">\n  \n  \n\t\n\n\n\n\n<\/div><\/div>\n<\/section><section class=\"bde-section-445-414 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-columns-445-415 bde-columns\"><div class=\"bde-column-445-416 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-573 bde-text\">\nGICL\n<\/div><h2 class=\"bde-heading-445-418 bde-heading\">\nFirst Mortgage Loan<br>Advantages\n<\/h2><p class=\"bde-text-445-419 bde-text\">\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><div class=\"bde-column-445-420 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-grid-445-421 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-box-445-422 bde-icon-box\">\n\n    \n            <div class=\"ee-iconbox-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<div class=\"ee-iconbox-content\">\n      <h3 class=\"ee-iconbox-title bde-h3\" >Express Approval<\/h3>\n        <div class=\"ee-iconbox-text\" >\u6700\u5feb15\u5206\u9418\u521d\u6b65\u5be9\u6279\uff0c\u6700\u5feb24\u5c0f\u6642\u6210\u529f\u53d6\u7968\u5957\u73fe\uff0c\u89e3\u6c7a\u71c3\u7709\u4e4b\u6025\u3002<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-445-423 bde-icon-box\">\n\n    \n            <div class=\"ee-iconbox-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<div class=\"ee-iconbox-content\">\n      <h3 class=\"ee-iconbox-title bde-h3 translation-block\" ><strong>No Income Proof Required<\/strong><\/h3>\n        <div class=\"ee-iconbox-text\" >\u7533\u8acb\u7c21\u55ae\uff0c\u6bcb\u9808\u5165\u606f\u8b49\u660e\u53ca\u58d3\u529b\u6e2c\u8a66\uff0c\u81ea\u50f1\u4eba\u58eb\u6216\u9000\u4f11\u4eba\u58eb\u7686\u53ef\u7533\u8acb\u3002<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-445-424 bde-icon-box\">\n\n    \n            <div class=\"ee-iconbox-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=\"M256 0c13.3 0 24 10.7 24 24V65.5C366.8 76.3 435.7 145.2 446.5 232H488c13.3 0 24 10.7 24 24s-10.7 24-24 24H446.5C435.7 366.8 366.8 435.7 280 446.5V488c0 13.3-10.7 24-24 24s-24-10.7-24-24V446.5C145.2 435.7 76.3 366.8 65.5 280H24c-13.3 0-24-10.7-24-24s10.7-24 24-24H65.5C76.3 145.2 145.2 76.3 232 65.5V24c0-13.3 10.7-24 24-24zM112 256a144 144 0 1 0 288 0 144 144 0 1 0 -288 0zm192 0a48 48 0 1 0 -96 0 48 48 0 1 0 96 0zm-144 0a96 96 0 1 1 192 0 96 96 0 1 1 -192 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n<div class=\"ee-iconbox-content\">\n      <h3 class=\"ee-iconbox-title bde-h3\" >No Property Age Restrictions<br>High LTV \/ Low Interest<\/h3>\n        <div class=\"ee-iconbox-text\" >\u8cb8\u6b3e\u984d\u9ad8\u9054 8 \u6210\uff0c\u5e74\u606f\u4f4e\u81f3 8%\uff0c\u4e26\u8a2d\u6709\u7279\u8a2d\u5faa\u74b0\u5099\u7528\u4fe1\u8cb8\u984d\u3002<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-445-425 bde-icon-box\">\n\n    \n            <div class=\"ee-iconbox-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=\"M64 64C28.7 64 0 92.7 0 128V384c0 35.3 28.7 64 64 64H512c35.3 0 64-28.7 64-64V128c0-35.3-28.7-64-64-64H64zM272 192H496c8.8 0 16 7.2 16 16s-7.2 16-16 16H272c-8.8 0-16-7.2-16-16s7.2-16 16-16zM256 304c0-8.8 7.2-16 16-16H496c8.8 0 16 7.2 16 16s-7.2 16-16 16H272c-8.8 0-16-7.2-16-16zM164 152v13.9c7.5 1.2 14.6 2.9 21.1 4.7c10.7 2.8 17 13.8 14.2 24.5s-13.8 17-24.5 14.2c-11-2.9-21.6-5-31.2-5.2c-7.9-.1-16 1.8-21.5 5c-4.8 2.8-6.2 5.6-6.2 9.3c0 1.8 .1 3.5 5.3 6.7c6.3 3.8 15.5 6.7 28.3 10.5l.7 .2c11.2 3.4 25.6 7.7 37.1 15c12.9 8.1 24.3 21.3 24.6 41.6c.3 20.9-10.5 36.1-24.8 45c-7.2 4.5-15.2 7.3-23.2 9V360c0 11-9 20-20 20s-20-9-20-20V345.4c-10.3-2.2-20-5.5-28.2-8.4l0 0 0 0c-2.1-.7-4.1-1.4-6.1-2.1c-10.5-3.5-16.1-14.8-12.6-25.3s14.8-16.1 25.3-12.6c2.5 .8 4.9 1.7 7.2 2.4c13.6 4.6 24 8.1 35.1 8.5c8.6 .3 16.5-1.6 21.4-4.7c4.1-2.5 6-5.5 5.9-10.5c0-2.9-.8-5-5.9-8.2c-6.3-4-15.4-6.9-28-10.7l-1.7-.5c-10.9-3.3-24.6-7.4-35.6-14c-12.7-7.7-24.6-20.5-24.7-40.7c-.1-21.1 11.8-35.7 25.8-43.9c6.9-4.1 14.5-6.8 22.2-8.5V152c0-11 9-20 20-20s20 9 20 20z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n<div class=\"ee-iconbox-content\">\n      <h3 class=\"ee-iconbox-title bde-h3\" >Zero Extra Handling Fees<\/h3>\n        <div class=\"ee-iconbox-text\" >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><div class=\"bde-icon-box-445-426 bde-icon-box\">\n\n    \n            <div class=\"ee-iconbox-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=\"M280 24V88c0 13.3-10.7 24-24 24s-24-10.7-24-24V24c0-13.3 10.7-24 24-24s24 10.7 24 24zm157 84.9l-45.3 45.3c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9L403.1 75c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9zM108.9 75l45.3 45.3c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0L75 108.9c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0zM24 232H88c13.3 0 24 10.7 24 24s-10.7 24-24 24H24c-13.3 0-24-10.7-24-24s10.7-24 24-24zm400 0h64c13.3 0 24 10.7 24 24s-10.7 24-24 24H424c-13.3 0-24-10.7-24-24s10.7-24 24-24zM154.2 391.8L108.9 437c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l45.3-45.3c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9zm237.6-33.9L437 403.1c9.4 9.4 9.4 24.6 0 33.9s-24.6 9.4-33.9 0l-45.3-45.3c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0zM280 424v64c0 13.3-10.7 24-24 24s-24-10.7-24-24V424c0-13.3 10.7-24 24-24s24 10.7 24 24zm40-168a64 64 0 1 0 -128 0 64 64 0 1 0 128 0zm-176 0a112 112 0 1 1 224 0 112 112 0 1 1 -224 0z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n<div class=\"ee-iconbox-content\">\n      <h3 class=\"ee-iconbox-title bde-h3\" >All Property Types &amp; Ages Accepted<\/h3>\n        <div class=\"ee-iconbox-text\" >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><div class=\"bde-globalblock-445-429 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-445-430 bde-section overflow\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-grid-445-431 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-432 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-433 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-434 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-435 bde-text\">\nWhich is right for you?\n<\/div><h3 class=\"bde-heading-445-436 bde-heading\">\nFinance Company First Mortgage<br>vs<br>Traditional Banks\n<\/h3>\n<\/div><div class=\"bde-div-445-437 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-438 bde-text\">\nIncome Proof\n<\/p>\n<\/div><div class=\"bde-div-445-439 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-440 bde-text\">\nApproval Time\n<\/p>\n<\/div><div class=\"bde-div-445-441 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-442 bde-text\">\nCash Disbursement\n<\/p>\n<\/div><div class=\"bde-div-445-443 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-444 bde-text\">\nCredit Rating (TU)\n<\/p>\n<\/div><div class=\"bde-div-445-445 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-446 bde-text\">\nProperty Age \/ Property Type\n<\/p>\n<\/div><div class=\"bde-div-445-447 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-448 bde-text\">\nEarly Repayment\n<\/p>\n<\/div><div class=\"bde-div-445-449 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-450 bde-text\">\nLoan-to-Value (LTV) Ratio\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-445-451 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-452 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-453 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-454 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=\"M243.4 2.6l-224 96c-14 6-21.8 21-18.7 35.8S16.8 160 32 160v8c0 13.3 10.7 24 24 24H456c13.3 0 24-10.7 24-24v-8c15.2 0 28.3-10.7 31.3-25.6s-4.8-29.9-18.7-35.8l-224-96c-8-3.4-17.2-3.4-25.2 0zM128 224H64V420.3c-.6 .3-1.2 .7-1.8 1.1l-48 32c-11.7 7.8-17 22.4-12.9 35.9S17.9 512 32 512H480c14.1 0 26.5-9.2 30.6-22.7s-1.1-28.1-12.9-35.9l-48-32c-.6-.4-1.2-.7-1.8-1.1V224H384V416H344V224H280V416H232V224H168V416H128V224zM256 64a32 32 0 1 1 0 64 32 32 0 1 1 0-64z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div><h3 class=\"bde-heading-445-455 bde-heading\">\nTraditional Banks\u00a0\u00a0\n<\/h3>\n<\/div><div class=\"bde-div-445-456 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-457 bde-text\">\n3\u20136 months\u2019 payslips, bank statements\n<\/p>\n<\/div><div class=\"bde-div-445-458 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-459 bde-text\">\n2 Months\n<\/p>\n<\/div><div class=\"bde-div-445-460 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-461 bde-text\">\n15-Minute Preliminary Approval*\n<\/p>\n<\/div><div class=\"bde-div-445-462 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-463 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-cancel-circle\" viewbox=\"0 0 32 32\">\n<path d=\"M16 0c-8.837 0-16 7.163-16 16s7.163 16 16 16 16-7.163 16-16-7.163-16-16-16zM16 29c-7.18 0-13-5.82-13-13s5.82-13 13-13 13 5.82 13 13-5.82 13-13 13z\"\/>\n<path d=\"M21 8l-5 5-5-5-3 3 5 5-5 5 3 3 5-5 5 5 3-3-5-5 5-5z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-464 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-465 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-cancel-circle\" viewbox=\"0 0 32 32\">\n<path d=\"M16 0c-8.837 0-16 7.163-16 16s7.163 16 16 16 16-7.163 16-16-7.163-16-16-16zM16 29c-7.18 0-13-5.82-13-13s5.82-13 13-13 13 5.82 13 13-5.82 13-13 13z\"\/>\n<path d=\"M21 8l-5 5-5-5-3 3 5 5-5 5 3 3 5-5 5 5 3-3-5-5 5-5z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-466 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-467 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 Copyright 2024 Fonticons, Inc.--><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-468 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-469 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 Copyright 2024 Fonticons, Inc.--><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-445-470 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-471 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-472 bde-div\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-445-473 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo.png\" alt=\"\ud83c\udf10 GICL (Second Mortgage Cash-out)\" loading=\"lazy\" srcset=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo.png 1360w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo-300x78.png 300w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo-1024x267.png 1024w, https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo-768x200.png 768w\" sizes=\"(max-width: 1360px) 100vw, 1360px\">\n<\/div><div class=\"bde-div-445-474 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-475 bde-text\">\n\n<\/p><div class=\"bde-icon-445-556 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-cancel-circle\" viewbox=\"0 0 32 32\">\n<path d=\"M16 0c-8.837 0-16 7.163-16 16s7.163 16 16 16 16-7.163 16-16-7.163-16-16-16zM16 29c-7.18 0-13-5.82-13-13s5.82-13 13-13 13 5.82 13 13-5.82 13-13 13z\"\/>\n<path d=\"M21 8l-5 5-5-5-3 3 5 5-5 5 3 3 5-5 5 5 3-3-5-5 5-5z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-476 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-477 bde-text\">\n15-Minute Preliminary Approval*\n<\/p>\n<\/div><div class=\"bde-div-445-478 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-479 bde-text\">\n24-Hour Cash Disbursement*\n<\/p>\n<\/div><div class=\"bde-div-445-480 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-481 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-cancel-circle\" viewbox=\"0 0 32 32\">\n<path d=\"M16 0c-8.837 0-16 7.163-16 16s7.163 16 16 16 16-7.163 16-16-7.163-16-16-16zM16 29c-7.18 0-13-5.82-13-13s5.82-13 13-13 13 5.82 13 13-5.82 13-13 13z\"\/>\n<path d=\"M21 8l-5 5-5-5-3 3 5 5-5 5 3 3 5-5 5 5 3-3-5-5 5-5z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-482 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-483 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-cancel-circle\" viewbox=\"0 0 32 32\">\n<path d=\"M16 0c-8.837 0-16 7.163-16 16s7.163 16 16 16 16-7.163 16-16-7.163-16-16-16zM16 29c-7.18 0-13-5.82-13-13s5.82-13 13-13 13 5.82 13 13-5.82 13-13 13z\"\/>\n<path d=\"M21 8l-5 5-5-5-3 3 5 5-5 5 3 3 5-5 5 5 3-3-5-5 5-5z\"\/>\n<\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-484 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-485 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 Copyright 2024 Fonticons, Inc.--><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div><div class=\"bde-div-445-486 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-487 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 Copyright 2024 Fonticons, Inc.--><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg>\n        \n        \n        \n            <\/div>\n    \n\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section><section class=\"bde-section-445-488 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-445-489 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-490 bde-text\">\nLoan Tips\n<\/div><div class=\"bde-div-445-491 bde-div\">\n  \n  \n\t\n\n\n\n<h2 class=\"bde-heading-445-492 bde-heading\">\nWhat are the Differences?\n<\/h2>\n<\/div>\n<\/div><div class=\"bde-columns-445-493 bde-columns\"><div class=\"bde-column-445-494 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-495 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-496 bde-text\">\nFirst Mortgage Loan\n<\/div><h3 class=\"bde-heading-445-497 bde-heading\">\nQuick Cash Out<br>No Income Proof Required\n<\/h3>\n<\/div><p class=\"bde-text-445-498 bde-text\">\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><div class=\"bde-button-445-571 bde-button btn-hover-up\">\n        \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--custom bde-button__button\" href=\"https:\/\/gicl.com.hk\/en\/?page_id=893\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Apply Now<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div>\n<\/div><div class=\"bde-column-445-500 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-501 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-502 bde-text\">\nSecond Mortgage\n<\/div><h3 class=\"bde-heading-445-503 bde-heading\">\nNo Title Deed Required<br>No Income Proof Required<br>15-Minute Approval\n<\/h3>\n<\/div><p class=\"bde-text-445-504 bde-text\">\n\u76f8\u5c0d\u800c\u8a00\uff0c\u300c\u4e8c\u6309\u300d\uff08Second Mortgage Loan\uff09\u5247\u662f\u5728\u7269\u696d\u5df2\u6709\u4e00\u6309\u7684\u57fa\u790e\u4e0a\uff0c\u518d\u7533\u8acb\u7b2c\u4e8c\u7b46\u8cb8\u6b3e\u3002\u7531\u65bc\u4e00\u6309\u662f\u9996\u4f4d\u50b5\u6b0a\u4eba\uff0c\u98a8\u96aa\u76f8\u5c0d\u8f03\u4f4e\uff0c\u56e0\u6b64\u4e00\u6309\u7684\u5229\u7387\u901a\u5e38\u6bd4\u4e8c\u6309\u66f4\u512a\u60e0\uff0c\u9084\u6b3e\u671f\u4e5f\u66f4\u9577\uff08\u9577\u9054240\u671f)\u3002\n<\/p><div class=\"bde-button-445-505 bde-button btn-hover-up\">\n        \n    \n    \n    \n    \n            \n            <button type=\"button\" class=\"button-atom button-atom--primary bde-button__button\"  >\n    \n        <span class=\"button-atom__text\">Learn More<\/span>\n\n        \n        \n            <\/button>\n    \n\n\n<\/div>\n<\/div><\/div><\/div>\n<\/section><section class=\"bde-section-445-848 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-text-445-854 bde-text\">\n\u6210\u6578\u53c3\u8003\n<\/div><h2 class=\"bde-heading-445-853 bde-heading\">\n\u4e00\u6309\u8cb8\u6b3e\u6210\u6578\u53ca\u5229\u7387\u53c3\u8003\n<\/h2><div class=\"bde-columns-445-849 bde-columns\"><div class=\"bde-column-445-850 bde-column\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-445-856 bde-heading\">\n\u8cb8\u6b3e\u6210\u6578\u5f48\u6027\n<\/h3><div class=\"bde-text-445-855 bde-text\">\n\u8ca1\u52d9\u516c\u53f8\u7684\u4e00\u6309\u8cb8\u6b3e\u5be9\u6279\u666e\u904d\u8f03\u70ba\u5f48\u6027\uff0c\u8cb8\u6b3e\u6210\u6578\u4e00\u822c\u53ef\u9ad8\u9054\u7269\u696d\u4f30\u503c\u7684 7 \u6210\u6216\u4ee5\u4e0a\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u5e38\u898f\u9280\u884c\u7684\u4e00\u6309\u8cb8\u6b3e\u53d7\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\uff08\u91d1\u7ba1\u5c40\uff09\u7684\u6307\u5f15\u56b4\u683c\u9650\u5236\uff0c\u76ee\u524d\u81ea\u7528\u4f4f\u5b85\u7269\u696d\u7684\u8cb8\u6b3e\u6210\u6578\u666e\u904d\u50c5\u7d04 6 \u81f3 7 \u6210\u3002\n<\/div>\n<\/div><div class=\"bde-column-445-857 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-rich-text-445-867 bde-rich-text breakdance-rich-text-styles\">\n<h3>\u5229\u7387\u53ca\u7d50\u69cb\u53c3\u8003<\/h3>\n<p><span style=\"font-weight: 400;\">\u50b3\u7d71\u9280\u884c\u7684<\/span><span style=\"font-weight: 400;\">First Mortgage<\/span><span style=\"font-weight: 400;\">\u591a\u63a1\u7528 H \u8a08\u5283\u6216 P \u8a08\u5283\uff08H+\/P-\uff09\uff0c\u76ee\u524d\u5be6\u969b\u5e74\u5229\u7387\u5927\u7d04\u4ecb\u4e4e 3.5% \u81f3 4.5%\uff1b\u800c\u8ca1\u52d9\u516c\u53f8<\/span><span style=\"font-weight: 400;\">First Mortgage<\/span><span style=\"font-weight: 400;\">\u56e0\u5be9\u6279\u689d\u4ef6\u8f03\u5bec\u9b06\u4e14\u627f\u64d4\u8f03\u9ad8\u98a8\u96aa\uff0c\u5e74\u5229\u7387<\/span><span style=\"font-weight: 400;\">\u53ef\u4f4e\u81f3 8%<\/span><span style=\"font-weight: 400;\">\uff0c\u5177\u9ad4\u606f\u7387\u6703\u56e0\u61c9\u500b\u5225\u500b\u6848\u7684\u98a8\u96aa\u8a55\u4f30\u800c\u5b9a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u70ba\u4e86\u6eff\u8db3\u4e0d\u540c\u696d\u4e3b\u7684\u8ca1\u52d9\u8abf\u914d\u9700\u6c42\uff0c\u73fe\u6642\u90e8\u4efd\u8ca1\u52d9\u516c\u53f8\u70ba\u5438\u5f15\u5ba2\u6236\u66f4\u6703\u63d0\u4f9b\u8f49\u6309\u670d\u52d9\uff0c\u751a\u81f3\u63a8\u51fa\u4f4e\u81f3 9.8% \u7684<\/span><a title=\"\u6210\u529f\u7533\u8acb\u8f49\u6309\uff0c\u5373\u9001\u6700\u65b0 Apple \u667a\u80fd\u624b\u6a5f\uff01\" href=\"https:\/\/gicl.com.hk\/en\/promotion\/mortgage-refinancing-welcome-offer\/\"><span style=\"font-weight: 400;\">\u8f49\u6309\u8fce\u65b0\u512a\u60e0<\/span><\/a><span style=\"font-weight: 400;\">\uff0c\u8b93\u696d\u4e3b\u53ef\u4ee5\u8f15\u9b06\u6e1b\u4f4e\u5229\u606f\u958b\u652f\uff0c\u540c\u6642\u9748\u6d3b\u5957\u73fe\u5468\u8f49\u3002<\/span><\/p>\n<\/div>\n<\/div><div class=\"bde-column-445-860 bde-column\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-445-861 bde-heading\">\n\u5f71\u97ff\u8cb8\u6b3e\u984d\u53ca\u5229\u7387\u7684\u95dc\u9375\u56e0\u7d20\n<\/h3><div class=\"bde-text-445-862 bde-text\">\n\u6700\u7d42\u7372\u6279\u7684\u8cb8\u6b3e\u689d\u4ef6\u6703\u7d9c\u5408\u591a\u9805\u56e0\u7d20\u800c\u5b9a\uff0c\u5176\u4e2d\u5305\u62ec\uff1a\u7269\u696d\u985e\u578b\uff08\u5982\u79c1\u6a13\u3001\u5510\u6a13\u3001\u6751\u5c4b\u3001\u5de5\u5546\u8216\uff09\u3001\u6a13\u9f61\u3001\u696d\u4e3b\u5e74\u9f61\u3001\u73fe\u6709\u8ca0\u50b5\u6c34\u5e73\u4ee5\u53ca\u4fe1\u8cb8\u7d00\u9304\uff08TU\uff09\u7b49\u3002\n<\/div>\n<\/div><\/div><\/div>\n<\/section><section class=\"bde-section-445-868 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-text-445-870 bde-text\">\nTarget Audience\u00a0\n<\/div><div class=\"bde-rich-text-445-869 bde-rich-text breakdance-rich-text-styles\">\n<h2>\u908a\u985e\u4eba\u58eb\u6700\u9069\u5408\u7533\u8acb\u7269\u696d\u4e00\u6309\uff1f<\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u6d3b\u5316\u8cc7\u7522\u7684\u696d\u4e3b<\/b><span style=\"font-weight: 400;\">\uff1a<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u5df2\u4f9b\u6eff\u6216\u5927\u81f4\u4f9b\u6eff\uff0c\u5e0c\u671b\u5c07\u56fa\u5b9a\u8cc7\u7522\u5957\u73fe\uff0c\u4f5c\u5546\u696d\u6295\u8cc7\u3001\u5b50\u5973\u5347\u5b78\u6216\u500b\u4eba\u7406\u8ca1\u4e4b\u7528\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u7121\u5e38\u898f\u5165\u606f\u8b49\u660e\u4eba\u58eb<\/b><span style=\"font-weight: 400;\">\uff1a\u81ea\u50f1\u3001\u81ea\u7531\u5de5\u4f5c\u8005\u6216\u4e2d\u5c0f\u4f01\u8001\u95c6\uff0c\u56e0\u7f3a\u4e4f\u7a05\u55ae\u6216 MPF \u8b49\u660e\u800c\u96e3\u4ee5\u901a\u904e\u9280\u884c\u58d3\u529b\u6e2c\u8a66\u8005\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u6025\u9700\u77ed\u671f\u5468\u8f49\u4eba\u58eb<\/b><span style=\"font-weight: 400;\">\uff1a\u9762\u5c0d\u7a81\u767c\u8ca1\u52d9\u9700\u6c42\u6216\u7dca\u6025\u6295\u8cc7\u6a5f\u9047\uff0c\u9700\u8981\u5728\u6975\u77ed\u6642\u9593\u5167\u5feb\u901f\u7372\u6279\u5927\u984d\u8cc7\u91d1\u4f5c\u5468\u8f49\u3002<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u4fe1\u8cb8\u7d00\u9304\u6709\u7455\u75b5\u8005<\/b><span style=\"font-weight: 400;\">\uff1a\u66fe\u6709\u903e\u671f\u9084\u6b3e\u3001\u4fe1\u8cb8\u8a55\u7d1a\uff08TU\uff09\u6b20\u4f73\u6216\u66fe\u7834\u7522\u800c\u906d\u9280\u884c\u62d2\u7d55\uff0c\u4f46\u6301\u6709<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u4e26\u9700\u8981\u8cc7\u91d1\u7684\u696d\u4e3b\u3002<\/span><\/li>\n<\/ul>\n<\/div><\/div>\n<\/section><section class=\"bde-section-445-733 bde-section\" testimonial=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-445-734 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-735 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-736 bde-text\">\nClient Testimonials\n<\/div><h2 class=\"bde-heading-445-737 bde-heading\">\nDiscover the Real Stories of Our Satisfied Customers\n<\/h2><p class=\"bde-text-445-738 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-445-742 bde-div swiper_mask\" testimonial-slider=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-743 bde-div swiper-wrapper\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-756 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-757 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-758 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-445-759 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-760 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-445-761 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-445-762 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-763 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-764 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-445-765 bde-text\">\nMr. Law\n<\/span><span class=\"bde-text-445-766 bde-text\">\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-445-767 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=\"starhalf767\" 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-445-831 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-832 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-833 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-445-834 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-835 bde-text gicl-truncate-text\">\nMr. Wong runs a restaurant in Sham Shui Po. Facing rising rent from district redevelopment and soaring food costs due to the strengthening RMB, he urgently needed to settle a supplier invoice. Fortunately, he secured a HK$500,000 property loan against his tong lau (tenement building) with GIC, helping his business survive the crisis.\n\nClient Review: \"The F&amp;B industry is getting tougher. I didn't want to panic-sell my property in a low market. Thanks to GIC, the fast approval allowed me to pay my suppliers on time and keep our credit terms.\"<br><br>\u9ec3\u5148\u751f\u5728\u6df1\u6c34\u57d7\u7d93\u71df\u9910\u5ef3\uff0c\u53ef\u60dc\u79df\u91d1\u96a8\u4f4f\u820a\u5340\u6536\u8cfc\u800c\u4e0a\u5347\uff0c\u570b\u5167\u7684\u98df\u6750\u4ea6\u56e0\u4eba\u6c11\u5e63\u532f\u7387\u4e0a\u5347\u4ee4\u4f86\u8ca8\u50f9\u4ea6\u6108\u4f86\u6108\u8cb4\uff0c\u9ec3\u5148\u751f\u6025\u65bc\u7e73\u4ed8\u4e00\u7b46\u98df\u6750\u8a02\u55ae\u7684\u8cbb\u7528\uff0c\u6210\u529f\u65bc\u74b0\u7403\u4fe1\u8cb8\u5229\u7528\u5510\u6a13\u7269\u696d\u8cb8\u6b3e50\u842c\uff0c\u52a9\u751f\u610f\u6e21\u904e\u96e3\u95dc\u3002 \n<\/p><div class=\"bde-text-445-836 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-445-837 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-838 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-839 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-445-840 bde-text\">\nMr. Wong\n<\/span><span class=\"bde-text-445-841 bde-text\">\nRestaurant Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-445-842 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=\"starhalf842\" 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-445-768 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-769 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-445-770 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-445-771 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-445-772 bde-text gicl-truncate-text\">\nBank SME loans are painfully slow, and after weeks of waiting, they still reject you right when your bills are due. Thankfully, GIC came through! I couldn't believe I could apply today and get cash tomorrow\u2014now that\u2019s real speed!\n\nWith GIC, it took just two days to get a HK$500,000 second mortgage, along with a HK$700,000 standby credit line for whenever I need it.<br><br>\u7d93\u74b0\u7403\u4fe1\u8cb8\uff0c\u5169\u65e5\u5167\u5c31\u6210\u529f\u53d6\u5f9750\u842c\u4e8c\u6309\u8cb8\u6b3e\uff0c\u4ef2\u670970\u842c\u5099\u7528\u984d\u96a8\u6642\u4f7f\u7528\n<\/p><div class=\"bde-text-445-773 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-445-774 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-775 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-445-776 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-445-777 bde-text\">\nMIss Chan\n<\/span><span class=\"bde-text-445-778 bde-text\">\nE-commerce Trader\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-445-779 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=\"starhalf779\" 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-445-780 bde-code-block\">\n\n\n\n<\/div>\n<\/div><div class=\"bde-fancy-container-445-781 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-445-208 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-445-572 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-445-570 bde-text\">\nFirst Mortgage Loan\n<\/div><h2 class=\"bde-heading-445-209 bde-heading\">\nFAQ\n<\/h2>\n<\/div><div class=\"bde-frequently-asked-questions-445-399 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-399-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Do all owners of a joint-tenancy property need to agree to apply for a First Mortgage equity withdrawal?<\/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-399-button-1\" id=\"bde-faq-399-1\" 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<p class=\"p1\">With GICL, you can apply in the name of just one owner or a trustee. All joint owners are only required to sign during the formal execution of the loan agreement.<\/p>\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-399-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is income proof required for a First Mortgage application?<\/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-399-button-2\" id=\"bde-faq-399-2\" 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\">No. Our first mortgages do not require income proof or stress tests. You may use our online loan calculator to explore your options.<\/p>\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-399-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can individuals aged 65 or above apply?<\/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-399-button-3\" id=\"bde-faq-399-3\" 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\">Individuals over 65 can apply as long as they have a guarantor with working capacity. If they are over 65 and can still prove their working capacity, they can apply on their own.<br \/>Since GICL's first mortgage loan waives income proof, self-employed individuals, those without income proof, or retirees can all apply.<\/p>\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-399-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can the First Mortgage loan be drawn down in instalments?<\/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-399-button-4\" id=\"bde-faq-399-4\" 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. Clients can choose to draw down in stages. GICL also offers revolving credit facilities for maximum flexibility.<\/p>\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-399-button-5\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-5\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I sell the property during the mortgage period?<\/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-399-button-5\" id=\"bde-faq-399-5\" 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. Owners are free to sell the mortgaged property at any time without prior consent from GICL.<\/p>\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-399-button-6\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-6\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">\u4e00\u6309\u8cb8\u6b3e\u6700\u591a\u53ef\u4ee5\u501f\u5e7e\u591a\uff1f<\/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-399-button-6\" id=\"bde-faq-399-6\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p><span style=\"font-weight: 400;\">\u8cb8\u6b3e\u984d\u5ea6\u4e3b\u8981\u8996\u4e4e<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u7684\u4f30\u503c\u8207\u985e\u578b\u3002\u8ca1\u52d9\u516c\u53f8\u7684<\/span><span style=\"font-weight: 400;\">First Mortgage<\/span><span style=\"font-weight: 400;\">\u5be9\u6279\u8f03\u9280\u884c\u66f4\u6709\u5f48\u6027\uff0c\u4e00\u822c\u6700\u9ad8\u53ef\u9054<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u4f30\u503c\u7684 7 \u6210\u81f3 8 \u6210\u3002\u4e0d\u8ad6\u662f\u79c1\u6a13\u3001\u6751\u5c4b\u3001\u5510\u6a13\u6216\u5de5\u5546\u8216\uff0c\u53ea\u8981<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u5177\u5e02\u5834\u50f9\u503c\uff0c\u5747\u6709\u6a5f\u6703\u7372\u6279\u5145\u8db3\u7684\u5927\u984d\u8cc7\u91d1\u3002<\/span><\/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-399-button-7\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-7\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">\u7269\u696d\u4e00\u6309\u5be9\u6279\u9700\u8981\u591a\u9577\u6642\u9593\uff1f<\/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-399-button-7\" id=\"bde-faq-399-7\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p><span style=\"font-weight: 400;\">\u8ca1\u52d9\u516c\u53f8\u7684\u5be9\u6279\u6d41\u7a0b\u975e\u5e38\u9ad8\u6548\u3002\u7531\u63d0\u4ea4\u9f4a\u5099\u6587\u4ef6\u8d77\u8a08\uff0c\u6700\u5feb\u53ef\u5728 15 \u5206\u9418\u5167\u7372\u77e5\u521d\u6b65\u5be9\u6279\u7d50\u679c\uff1b\u4e00\u7d93\u843d\u5be6\u53ca\u8fa6\u59a5\u6cd5\u5f8b\u7a0b\u5e8f\uff0c\u6700\u5feb\u53ef\u65bc 24 \u5c0f\u6642\u5167\u6210\u529f\u63d0\u53d6\u8cb8\u6b3e\uff0c\u6975\u901f\u89e3\u6c7a\u6025\u5207\u7684\u5468\u8f49\u9700\u6c42\u3002<\/span><\/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-399-button-8\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-8\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">\u4e00\u6309\u548c\u4e8c\u6309\u53ef\u4ee5\u540c\u6642\u7533\u8acb\u55ce\uff1f<\/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-399-button-8\" id=\"bde-faq-399-8\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p><span style=\"font-weight: 400;\">\u53ef\u4ee5\u3002 \u5982\u679c\u60a8\u5728\u8cfc\u8cb7<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u6642\uff0c\u9280\u884c\u6279\u51fa\u7684<\/span><span style=\"font-weight: 400;\">First Mortgage<\/span><span style=\"font-weight: 400;\">\u6210\u6578\u4e0d\u8db3\u4ee5\u61c9\u4ed8\u9996\u671f\uff08\u4f8b\u5982\u9280\u884c\u53ea\u6279 6 \u6210\uff0c\u4f46\u60a8\u9700\u8981 8 \u6210\uff09\uff0c\u60a8\u53ef\u4ee5\u540c\u6642\u5411\u8ca1\u52d9\u516c\u53f8\u7533\u8acb\u4e8c\u6309\uff08\u5373\u300c\u4e00\u4e8c\u6309\u540c\u6b65\u300d\uff09\uff0c\u4ee5\u586b\u88dc\u9996\u671f\u8cc7\u91d1\u7f3a\u53e3\uff0c\u9806\u5229\u4e0a\u8eca\u3002<\/span><\/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-399-button-9\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-9\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">\u4e00\u6309\u672a\u4f9b\u5b8c\u53ef\u4ee5\u518d\u7533\u8acb\u52a0\u6309\u55ce\uff1f<\/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-399-button-9\" id=\"bde-faq-399-9\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p><span style=\"font-weight: 400;\">\u53ef\u4ee5\u3002 \u5982\u679c\u60a8\u73fe\u6709\u7684<\/span><span style=\"font-weight: 400;\">First Mortgage<\/span><span style=\"font-weight: 400;\">\u5c1a\u672a\u4f9b\u5b8c\uff0c\u4f46<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u96a8\u5e02\u5834\u5347\u503c\uff0c\u6216\u8005\u60a8\u5df2\u7d93\u511f\u9084\u4e86\u90e8\u5206\u672c\u91d1\uff0c\u60a8\u53ef\u4ee5\u7533\u8acb\u300c\u52a0\u6309\u300d\u6216\u300c\u8f49\u6309\u5957\u73fe\u300d\uff0c\u5c07<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u7684\u5269\u9918\u7a7a\u9593\u53ca\u5347\u503c\u90e8\u5206\u8f49\u5316\u70ba\u73fe\u91d1\u878d\u8cc7\u3002<\/span><\/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-399-button-10\" aria-expanded=\"false\" aria-controls=\"bde-faq-399-10\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">\u7533\u8acb\u4e00\u6309\u6703\u5426\u5f71\u97ff\u4fe1\u8cb8\u8a55\u7d1a\uff08TU\uff09\uff1f<\/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-399-button-10\" id=\"bde-faq-399-10\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p><span style=\"font-weight: 400;\">\u9019\u8996\u4e4e\u8cb8\u6b3e\u6a5f\u69cb\u7684\u653f\u7b56\u3002\u50b3\u7d71\u9280\u884c\u5fc5\u5b9a\u6703\u67e5\u95b1\u53ca\u767b\u8a18 TU\uff1b\u800c\u8ca1\u52d9\u516c\u53f8\u7684<\/span><span style=\"font-weight: 400;\">First Mortgage Loan<\/span><span style=\"font-weight: 400;\">\u5be9\u6279\u4e3b\u8981\u770b\u91cd\u7269\u696d\u672c\u8eab\u7684\u50f9\u503c\uff0c\u90e8\u5206\u6a5f\u69cb\u5be9\u6279\u8f03\u5177\u5f48\u6027\uff08\u751a\u81f3\u4e0d\u67e5\u95b1 TU\uff09\u3002\u53ea\u8981\u6e96\u6642\u9084\u6b3e\uff0c\u4e00\u822c\u7684<\/span><span style=\"font-weight: 400;\">\u7269\u696d<\/span><span style=\"font-weight: 400;\">\u8cb8\u6b3e\u7533\u8acb\u4e26\u4e0d\u6703\u5c0d\u60a8\u7684\u4fe1\u8cb8\u8a55\u7d1a\u9020\u6210\u8ca0\u9762\u5f71\u97ff\u3002<\/span><\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div><\/div>\n<\/section><div class=\"bde-globalblock-445-557 bde-globalblock\"><section class=\"bde-section-994-100-994-1 bde-section bde-section-994-100\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-994-101-994-1 bde-div bde-div-994-101\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-994-102-994-1 bde-div bde-div-994-102\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-994-103-994-1 bde-text bde-text-994-103\">\nLiquidity without the wait.\n<\/div><h2 class=\"bde-heading-994-104-994-1 bde-heading bde-heading-994-104\">\nUnlock Property Equity \u2013 Apply for Rapid Liquidity Now!\n<\/h2><p class=\"bde-text-994-105-994-1 bde-text bde-text-994-105\">\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-994-106-994-1 bde-div bde-div-994-106\">\n  \n  \n\t\n\n\n\n<div class=\"bde-button-994-107-994-1 bde-button btn-hover-up bde-button-994-107\">\n        \n    \n    \n    \n    \n            \n                    \n            \n            \n\n    \n    \n    \n    \n    \n    <a class=\"breakdance-link button-atom button-atom--custom bde-button__button\" href=\"https:\/\/gicl.com.hk\/en\/property-mortgage-application\/\" target=\"_self\" data-type=\"url\"  >\n\n    \n        <span class=\"button-atom__text\">Apply Now<\/span>\n\n        \n        \n                <\/a>\n\n    \n\n\n<\/div><div class=\"bde-div-994-108-994-1 bde-div bde-div-994-108\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-994-109-994-1 bde-div bde-div-994-109\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-994-110-994-1 bde-icon bde-icon-994-110\">\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-994-111-994-1 bde-text bde-text-994-111\">\n15-Minute Preliminary Approval\n<\/span>\n<\/div><div class=\"bde-div-994-112-994-1 bde-div bde-div-994-112\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-994-113-994-1 bde-icon bde-icon-994-113\">\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-994-114-994-1 bde-text bde-text-994-114\">\nNo Income Proof Required \n<\/span>\n<\/div><div class=\"bde-div-994-115-994-1 bde-div bde-div-994-115\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-994-116-994-1 bde-icon bde-icon-994-116\">\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-994-117-994-1 bde-text bde-text-994-117\">\nNo stress test\n<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section><\/div>","protected":false},"excerpt":{"rendered":"<p>\u8cb8\u6b3e\u7522\u54c1\u00a0\u00a0 \u7269\u696d\u4e00\u6309\u8cb8\u6b3e \u5feb\u6377\u5957\u73fe\u3001\u6bcb\u9808\u5165\u606f\u8b49\u660e \u4f9b\u6b3e\u8a08\u7b97\u5668 \u74b0\u7403\u4fe1\u8cb8 \u7269\u696d\u4e00\u6309\u4e94\u5927\u512a\u52e2 \u6025\u9700\u8cc7\u91d1\u5468\u8f49\uff1fGI [&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-445","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/445","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=445"}],"version-history":[{"count":7,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/445\/revisions"}],"predecessor-version":[{"id":7365,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/445\/revisions\/7365"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=445"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}