{"id":447,"date":"2026-03-09T18:46:02","date_gmt":"2026-03-09T18:46:02","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=447"},"modified":"2026-04-22T02:28:21","modified_gmt":"2026-04-21T18:28:21","slug":"second-mortgage","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/second-mortgage\/","title":{"rendered":"Second Mortgage"},"content":{"rendered":"<section class=\"bde-section-447-580 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-447-581 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-582 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-583 bde-text\">\nLoan\n<\/div><div class=\"bde-div-447-584 bde-div\">\n  \n  \n\t\n\n\n\n<h2 class=\"bde-heading-447-585 bde-heading\">\nSecond Mortgage\n<\/h2><h2 class=\"bde-heading-447-586 bde-heading\">\nRapid Equity Withdrawal with No Income Proof Required\n<\/h2>\n<\/div>\n<\/div><a class=\"bde-container-link-447-587 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-447-588 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-589 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-447-590 bde-text\">\nContribution Calculator\n<\/div>\n<\/div>\n\n<\/a>\n<\/div><div class=\"bde-div-447-591 bde-div\">\n  \n  \n\t\n\n\n\n\n<\/div><\/div>\n<\/section><section class=\"bde-section-447-592 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-columns-447-593 bde-columns\"><div class=\"bde-column-447-594 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-595 bde-text\">\nGICL\n<\/div><h2 class=\"bde-heading-447-596 bde-heading\">\nSecond Mortgage<br>Advantages\n<\/h2><p class=\"bde-text-447-597 bde-text\">\nOwn a property and want to cash out for liquidity without redeeming your first mortgage? GICL's Property Second Mortgage Loan is your best choice. We offer an \"Easy Cash-Out\" solution where you don't need to surrender your title deed. While keeping your original bank mortgage, you can leverage the residual value of your property to obtain extra funds, helping you achieve your life goals or solve business cash flow needs.\n<\/p>\n<\/div><div class=\"bde-column-447-598 bde-column\">\n  \n  \n\t\n\n\n\n<div class=\"bde-grid-447-599 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-box-447-600 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\" >No mortgage required<\/h3>\n        <div class=\"ee-iconbox-text translation-block\" >No Title Deed Required: Applying for a second mortgage, and will not affect your existing bank mortgage.<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-447-601 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      <h4 class=\"ee-iconbox-title bde-h3\" >Express Approval<\/h4>\n        <div class=\"ee-iconbox-text\" >15-minute preliminary approval with simple procedures. Get cash in hand as fast as 24 hours, much faster than bank refinancing.<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-447-602 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      <h4 class=\"ee-iconbox-title bde-h3 translation-block\" ><strong>No Income Proof Required<\/strong><\/h4>\n        <div class=\"ee-iconbox-text translation-block\" >No income proof or stress test is needed, Self-employed individuals, retirees, or those with a less-than-ideal credit rating (TU) are all welcome to apply.<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-447-603 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      <h4 class=\"ee-iconbox-title bde-h3\" >Completely Fee-Free<\/h4>\n        <div class=\"ee-iconbox-text translation-block\" >Complimentary legal and valuation fees,\nalong with a waiver of handling fees. No penalty for early repayment, ensuring transparent pricing.\nwith no restrictions on building age.<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-447-604 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      <h4 class=\"ee-iconbox-title bde-h3\" >Flexible Repayment<\/h4>\n        <div class=\"ee-iconbox-text\" >Repayment periods of up to 180 months with an APR as low as 12%. Features a revolving standby credit line where interest is only calculated on the drawn amount.<\/div>\n    <\/div>\n\n<\/div><div class=\"bde-icon-box-447-605 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      <h4 class=\"ee-iconbox-title bde-h3\" >All Property Types &amp; Ages Accepted<\/h4>\n        <div class=\"ee-iconbox-text translation-block\" >Covers private housing, tenement buildings (Tong Lau), premium-paid HOS flats, village houses, industrial\/commercial shops, and car parks.<\/div>\n    <\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section><div class=\"bde-globalblock-447-606 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-447-737 bde-section overflow\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-grid-447-738 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-739 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-740 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-741 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-800 bde-text\">\nWhich is right for you?\n<\/div><h3 class=\"bde-heading-447-1165 bde-heading\">\nFinance Company Second Mortgage<br>vs<br>Traditional Banks\n<\/h3>\n<\/div><div class=\"bde-div-447-744 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-745 bde-text\">\nIncome Proof\n<\/p>\n<\/div><div class=\"bde-div-447-746 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-747 bde-text\">\nApproval Time\n<\/p>\n<\/div><div class=\"bde-div-447-748 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-749 bde-text\">\nCash Disbursement\n<\/p>\n<\/div><div class=\"bde-div-447-750 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-751 bde-text\">\nCredit Rating (TU)\n<\/p>\n<\/div><div class=\"bde-div-447-752 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-753 bde-text\">\nProperty Age \/ Property Type\n<\/p>\n<\/div><div class=\"bde-div-447-754 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-755 bde-text\">\nEarly Repayment\n<\/p>\n<\/div><div class=\"bde-div-447-756 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-757 bde-text\">\nLoan-to-Value (LTV) Ratio\n<\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"bde-div-447-758 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-759 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-760 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-761 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><h4 class=\"bde-heading-447-762 bde-heading\">\nTraditional Banks\u00a0\u00a0\n<\/h4>\n<\/div><div class=\"bde-div-447-763 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-764 bde-text\">\n3\u20136 months\u2019 payslips, bank statements\n<\/p>\n<\/div><div class=\"bde-div-447-765 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-766 bde-text\">\n2 Months\n<\/p>\n<\/div><div class=\"bde-div-447-767 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-768 bde-text\">\n15-Minute Preliminary Approval*\n<\/p>\n<\/div><div class=\"bde-div-447-769 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-770 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-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-447-771 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-772 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-447-773 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-774 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-447-775 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-776 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-447-777 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-778 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-779 bde-div\">\n  \n  \n\t\n\n\n\n<img decoding=\"async\" class=\"bde-image2-447-780 bde-image2\" src=\"https:\/\/gicl.com.hk\/wp-content\/uploads\/2026\/03\/logo.png\" 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-447-781 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-782 bde-text\">\n\n<\/p><p class=\"bde-text-447-796 bde-text\">\nHK identity card, property address\n<\/p>\n<\/div><div class=\"bde-div-447-784 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-785 bde-text\">\n15-Minute Preliminary Approval*\n<\/p>\n<\/div><div class=\"bde-div-447-786 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-787 bde-text\">\n24-Hour Cash Disbursement*\n<\/p>\n<\/div><div class=\"bde-div-447-788 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-797 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-447-790 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-798 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-447-792 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-793 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-447-794 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-795 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-447-1119 bde-section\" testimonial=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-447-1120 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1121 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-1122 bde-text\">\nClient Testimonials\n<\/div><h2 class=\"bde-heading-447-1123 bde-heading\">\nDiscover the Real Stories of Our Satisfied Customers\n<\/h2><p class=\"bde-text-447-1124 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-447-1125 bde-div swiper_mask\" testimonial-slider=\"4\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1126 bde-div swiper-wrapper\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1127 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1128 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-1129 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-447-1130 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1131 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-447-1132 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-447-1133 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1134 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1135 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-447-1136 bde-text\">\nMr. Wong\n<\/span><span class=\"bde-text-447-1137 bde-text\">\nF&amp;B Entrepreneur\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-447-1138 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=\"starhalf1138\" 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-447-1139 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1140 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-1141 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-447-1142 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1143 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-447-1144 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-447-1145 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1146 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1147 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-447-1148 bde-text\">\nMr. Law\n<\/span><span class=\"bde-text-447-1149 bde-text\">\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-447-1150 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=\"starhalf1150\" 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-447-1151 bde-div swiper-slide\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1152 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-icon-447-1153 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-447-1154 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1155 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-447-1156 bde-text gicl-read-more-btn swiper-no-swiping\">\nRead More\n<\/div>\n<\/div><div class=\"bde-div-447-1157 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1158 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1159 bde-div\">\n  \n  \n\t\n\n\n\n<span class=\"bde-text-447-1160 bde-text\">\nMr. Law\n<\/span><span class=\"bde-text-447-1161 bde-text\">\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div><div class=\"bde-star-rating-447-1162 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=\"starhalf1162\" 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-447-1163 bde-code-block\">\n\n\n\n<\/div>\n<\/div><div class=\"bde-fancy-container-447-1164 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-447-1166 bde-section overflow\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-div-447-1281 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-1101 bde-text\">\nThe three types of mortgages\n<\/div><h1 class=\"bde-heading-447-982 bde-heading\">\nComprehensive Comparison: Second Mortgage vs. Top-up Mortgage vs. Refinancing\n<\/h1>\n<\/div><div class=\"bde-grid-447-1167 bde-grid\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1169 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1170 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-text-447-1268 bde-text\">\n\n<\/div>\n<\/div><div class=\"bde-div-447-1173 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1174 bde-text\">\nInstitutions Involved\n<\/p>\n<\/div><div class=\"bde-div-447-1175 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1176 bde-text\">\nExisting Mortgage\n<\/p>\n<\/div><div class=\"bde-div-447-1177 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1178 bde-text\">\nIncome Proof\n<\/p>\n<\/div><div class=\"bde-div-447-1179 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1180 bde-text\">\nApproval Speed\n<\/p>\n<\/div><div class=\"bde-div-447-1181 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1182 bde-text\">\nTitle Deed Handling\n<\/p>\n<\/div><div class=\"bde-div-447-1183 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1184 bde-text\">\nIdeal For\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-447-1188 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1189 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-447-1191 bde-heading\">\nSecond Mortgage\n<\/h3><div class=\"bde-text-447-1265 bde-text\">\nTaking out a second mortgage or a junior lien from another lender in addition to the original mortgage bank.\n<\/div>\n<\/div><div class=\"bde-div-447-1192 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1193 bde-text\">\nSecond mortgage (or Subordinate financing).\n<\/p>\n<\/div><div class=\"bde-div-447-1194 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1195 bde-text\">\nUnchanged first mortgage terms.\n<\/p>\n<\/div><div class=\"bde-div-447-1196 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1197 bde-text\">\nStress test waived (Finance companies offer more flexibility).\n<\/p>\n<\/div><div class=\"bde-div-447-1198 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1271 bde-text\">\nInstant approval(as fast as 15 minutes for approval and 24 hours for funding).\n<\/p>\n<\/div><div class=\"bde-div-447-1200 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1274 bde-text\">\nTitle deeds not required (retained by the first mortgagee).\n<\/p>\n<\/div><div class=\"bde-div-447-1202 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1277 bde-text\">\nIndividuals needing urgent liquidity, having a low credit score (TU), or wishing to keep existing mortgage terms intact.\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-447-1207 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1208 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-447-1263 bde-heading\">\nTop-up Mortgage\n<\/h3><div class=\"bde-text-447-1266 bde-text\">\nApplying for a top-up mortgage from the original lender to cash out equity.\n<\/div>\n<\/div><div class=\"bde-div-447-1210 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1211 bde-text\">\n\n<\/p><p class=\"bde-text-447-1269 bde-text\">\nInternal refinancing (or Top-up loan).\n<\/p>\n<\/div><div class=\"bde-div-447-1213 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1214 bde-text\">\nIncreased loan amount on the original basis.\n<\/p>\n<\/div><div class=\"bde-div-447-1215 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1216 bde-text\">\nStress test required (must be re-passed).\n<\/p>\n<\/div><div class=\"bde-div-447-1217 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1272 bde-text\">\nSlow processing (takes 1\u20132 months).\n<\/p>\n<\/div><div class=\"bde-div-447-1219 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1275 bde-text\">\nTitle deeds remain in the original bank's custody.\n<\/p>\n<\/div><div class=\"bde-div-447-1221 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1278 bde-text\">\nIndividuals with stable income and no urgent cash needs who want to cash out on property appreciation.\n<\/p>\n<\/div>\n<\/div><div class=\"bde-div-447-1245 bde-div\">\n  \n  \n\t\n\n\n\n<div class=\"bde-div-447-1246 bde-div\">\n  \n  \n\t\n\n\n\n<h3 class=\"bde-heading-447-1264 bde-heading\">\nRefinancing\n<\/h3><div class=\"bde-text-447-1267 bde-text\">\nRefinancing the mortgage by transferring it from the original bank to a new one.\n<\/div>\n<\/div><div class=\"bde-div-447-1248 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1249 bde-text\">\n\n<\/p><p class=\"bde-text-447-1270 bde-text\">\nNew mortgage bank only (Existing loan is fully repaid).\n<\/p>\n<\/div><div class=\"bde-div-447-1251 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1252 bde-text\">\nDebt discharge (The old loan is fully repaid by the new bank's loan).\n<\/p>\n<\/div><div class=\"bde-div-447-1253 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1254 bde-text\">\nStress test required (must be re-passed).\n<\/p>\n<\/div><div class=\"bde-div-447-1255 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1273 bde-text\">\nSlow processing (takes 1\u20132 months due to legal procedures).\n<\/p>\n<\/div><div class=\"bde-div-447-1257 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1276 bde-text\">\nTitle deeds transferred from the original bank to the new bank.\n<\/p>\n<\/div><div class=\"bde-div-447-1259 bde-div\">\n  \n  \n\t\n\n\n\n<p class=\"bde-text-447-1279 bde-text\">\nIndividuals seeking cash rebates or lower interest rates.\n<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section><section class=\"bde-section-447-733 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-text-447-850 bde-text\">\nSecond Mortgage\u00a0 \u00a0\n<\/div><h2 class=\"bde-heading-447-735 bde-heading\">\nFAQ\n<\/h2><div class=\"bde-frequently-asked-questions-447-736 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-736-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-736-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">If the property is already mortgaged with a bank, can GICL accept a second 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-736-button-1\" id=\"bde-faq-736-1\" 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\">In addition to the original property mortgage (first mortgage), owners can apply for a second mortgage loan at any time to cash out for turnover. No title deed is required, and there are no restrictions on building age or property type. We accept applications regardless of credit ratings, and there is no penalty for early repayment.<\/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-736-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-736-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Is income proof required to apply for a second mortgage loan to cash out?<\/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-736-button-2\" id=\"bde-faq-736-2\" 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 income proof or stress test is required for cashing out with a property second mortgage loan.<\/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-736-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-736-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Are applications from retirees or self-employed individuals accepted for a second mortgage loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m11 11h-7.25c-.414 0-.75.336-.75.75s.336.75.75.75h7.25v7.25c0 .414.336.75.75.75s.75-.336.75-.75v-7.25h7.25c.414 0 .75-.336.75-.75s-.336-.75-.75-.75h-7.25v-7.25c0-.414-.336-.75-.75-.75s-.75.336-.75.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" clip-rule=\"evenodd\" fill-rule=\"evenodd\" stroke-linejoin=\"round\" stroke-miterlimit=\"2\" viewbox=\"0 0 24 24\"><path d=\"m21 11.75c0-.414-.336-.75-.75-.75h-16.5c-.414 0-.75.336-.75.75s.336.75.75.75h16.5c.414 0 .75-.336.75-.75z\" fill-rule=\"nonzero\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-736-button-3\" id=\"bde-faq-736-3\" 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\">Anyone, including retirees, housewives, or self-employed individuals, is welcome to apply for a second mortgage loan to cash out.<\/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-736-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-736-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can the second mortgage loan be drawn down in separate installments?<\/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-736-button-4\" id=\"bde-faq-736-4\" 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\">Customers can choose to draw down the second mortgage loan in separate installments. GICL provides a revolving standby credit line for this purpose.<\/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-736-button-5\" aria-expanded=\"false\" aria-controls=\"bde-faq-736-5\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">Can I sell the property during the repayment period of the second 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-736-button-5\" id=\"bde-faq-736-5\" 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\">Owners are free to sell the mortgaged property at any time during the repayment period without needing prior consent from GICL. The transaction date will be used as the cut-off date to calculate the full repayment amount promptly.<\/p>\n<\/div>\n<\/div><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div><\/div>\n<\/section><div class=\"bde-globalblock-447-799 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 \u7269\u696d\u4e8c\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\u4e8c\u6309\u516d\u5927\u512a\u52e2 \u6709\u6a13\u5728\u624b\uff0c\u60f3\u5957\u73fe\u6d41\u52d5\u8cc7 [&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-447","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/447","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=447"}],"version-history":[{"count":0,"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/pages\/447\/revisions"}],"wp:attachment":[{"href":"https:\/\/gicl.com.hk\/en\/wp-json\/wp\/v2\/media?parent=447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}