{"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":"2026-06-25T17:44:57","modified_gmt":"2026-06-25T09:44:57","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\" >15-min preliminary approval and 24-hour payout for your urgent needs.<\/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\" >No income proof or stress test. Self-employed and retirees welcome.<\/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\" >Up to 80% LTV, rates from 8% p.a., with a revolving credit line.<\/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\">\nIn contrast, a Second Mortgage Loan is an additional loan secured on top of an existing first mortgage. Since the first mortgage holder is the primary creditor (which carries a lower risk), a first mortgage generally offers more favorable interest rates and a longer repayment period (up to 240 months) compared to a second mortgage.\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\">\nLTV Reference\n<\/div><h2 class=\"bde-heading-445-853 bde-heading\">\nFirst Mortgage LTV &amp; Interest Rate Guide\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\">\nFlexible LTV Ratios\n<\/h3><div class=\"bde-text-445-855 bde-text\">\nFinancial institutions generally offer more flexible first mortgage approvals, with Loan-to-Value (LTV) ratios typically reaching 70% or above. In contrast, conventional bank mortgages are strictly regulated by HKMA guidelines, with LTVs for self-occupied residential properties currently capped at around 60% to 70%.\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>Interest Rates &amp; Structure<\/h3>\n<p>While traditional bank first mortgages (H\/P plans) typically offer 3.5% to 4.5% APR, finance companies provide more lenient approvals with rates starting at 8% and<a href=\"https:\/\/gicl.com.hk\/en\/promotion\/mortgage-refinancing-welcome-offer\/\">competitive remortgage welcome offers as low as 9.8%,<\/a>empowering homeowners to effortlessly reduce interest expenses while cashing out for flexible liquidity.<\/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\">\nKey Factors Affecting Loan Terms\n<\/h3><div class=\"bde-text-445-862 bde-text\">\nThe final approved loan amount and interest rates depend on several factors, including: property type (e.g., private housing, tenement buildings, village houses, commercial properties), property age, owner's age, existing debt level, and credit record (TU).\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>Who Should Apply for a First Mortgage?<\/h2>\n<ul>\n<li>Asset-Rich Owners: Cash out paid-off properties for business or education.<\/li>\n<li>No Income Proof: For freelancers &amp; SME owners failing bank stress tests.<\/li>\n<li>Urgent Funding: Get fast, large-sum cash for sudden financial needs.<\/li>\n<li>Flawed Credit: Bad TU or past bankruptcy? You can still apply.<\/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\">How much can I borrow with a First Mortgage?<\/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>The loan amount mainly depends on your property\u2019s valuation and type. Financial institutions offer more flexible approvals than banks, typically reaching up to 70% - 80% LTV. Whether it is private housing, village houses, tenement buildings, or commercial properties, you can secure substantial funding as long as it has market value.<\/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\">How long does the approval process take?<\/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>Our process is highly efficient. Once all documents are submitted, you can get a preliminary result in just 15 minutes. Upon finalizing the legal procedures, cash payout can be ready in as fast as 24 hours to resolve your 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-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\">Can I apply for a 1st and 2nd mortgage at the same time?<\/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>Yes. If your bank's first mortgage isn't enough to cover your down payment (e.g., the bank approves 60% but you need 80%), you can concurrently apply for a second mortgage with us to bridge the gap and secure your property smoothly.<\/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\">Can I apply for a top-up if my first mortgage isn't fully paid off?<\/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>Yes. If your property has appreciated in value or you have already repaid part of the principal, you can apply for a \"Top-up\" or \"Cash-out Refinancing\" to turn your property's remaining equity into 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-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\">Will applying affect my credit score (TU)?<\/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>It depends on the lender's policy. Traditional banks strictly check your TU, but financial institutions focus more on the property's intrinsic value, offering flexible approvals (some may not even check TU). As long as you repay on time, the application will not negatively impact your credit rating.<\/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":14,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/445\/revisions"}],"predecessor-version":[{"id":7465,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/445\/revisions\/7465"}],"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}]}}