{"id":451,"date":"2026-03-09T18:47:26","date_gmt":"2026-03-09T18:47:26","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=451"},"modified":"2026-04-02T13:42:38","modified_gmt":"2026-04-02T05:42:38","slug":"carpark-mortgage","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/carpark-mortgage\/","title":{"rendered":"Carpark Mortgage"},"content":{"rendered":"
\n \n \n\t\n\n\n\n
\n
\n
\n
\n \n <\/div>\n <\/div>\n\n
\n \n <\/div>\n
\n \n <\/div>\n \n \n<\/div>\n\n<\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nLoan\n<\/div>
\n \n \n\t\n\n\n\n

\nCar Park Mortgage\u00a0\u00a0\n<\/h2>

\nNo Income Proof Required, High Loan-to-Value Ratio\n<\/h2>\n<\/div>\n<\/div>\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n <\/g><\/svg>\n \n \n \n <\/div>\n \n\n\n<\/div>
\nContribution Calculator\n<\/div>\n<\/div>\n\n<\/a>\n<\/div>
\n \n \n\t\n\n\n\n\n<\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nGICL\u00a0\u00a0\n<\/div>

5 Major Features of GICL Car Park Mortgage<\/h2>

\nIdle parking spaces can also be easily cashed out! Global Credit offers flexible and convenient parking space mortgage services to help you maximise the value of your parking spaces and meet your funding needs anytime.\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

No Income Proof Required<\/strong><\/h4>\n
This is our biggest advantage. Whether you are self-employed, a retiree, or unable to provide payroll slips, as long as the car park holds value, we will approve it, saving you from complicated bank reviews.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n \n\n<\/svg>\n \n \n \n <\/div>\n \n\n
\n

Completely Fee-Free<\/h4>\n
We offer complimentary legal and valuation fees, along with a waiver of handling fees, minimizing your investment costs.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

Up to 70% Mortgage Ratio<\/h4>\n
In line with the HKMA's relaxation of non-residential property mortgages, we offer high loan-to-value (LTV) loans, significantly reducing your down payment burden.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

Flexible Repayment<\/h4>\n
Features a revolving standby credit line where interest is calculated on the reducing principal balance, allowing for more flexible fund deployment.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

All Vehicle Types Accepted<\/h4>\n
Applications are accepted not only for private car parks but also for lorry and motorcycle parking spaces.<\/div>\n <\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nMarket Insights\n<\/div>

Investment Case Study:
How to achieve \"Self-Sustaining Investment\"?<\/h2>\n<\/div>

\nAccording to the latest transaction data, car park prices in core residential areas (such as Tseung Kwan O and Tsuen Wan West) have stabilized, and transaction volumes in luxury residential areas have increased by nearly 20% year-on-year.\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n01\n<\/span>

\nExacerbated Supply-Demand Imbalance:
EV Parking Spaces Become the New Favorite\n<\/h3>\n<\/div>

\nWith the popularization of electric vehicles, high-quality parking spaces equipped with charging facilities have become highly sought-after targets. The rental yield of such parking spaces is expected to outperform the broader market, making it a key investment focus in 2026.\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n02\n<\/span>

\nLowered Mortgage Threshold:
Easier Down Payments.\n<\/h3>\n<\/div>

\nBenefiting from the relaxation of the mortgage ratio to 70%, the entry threshold for investors has been significantly lowered. In the past, a 40-50% down payment was required, but now capital deployment is much more flexible.\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n03\n<\/span>

\nThe
\"Price Drop,
Volume Rise\"
Signal.\n<\/h3>\n<\/div>

\nA \"buy the dip\" trend has emerged in the market. Many savvy investors are taking advantage of the current low car park prices (down about 30% from the peak) and utilizing high-ratio mortgages to lock in assets.\n<\/p>\n<\/div>\n<\/div><\/div>\n<\/section>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nApplication Process\n<\/div>

\nComplete Your Application in a Few Simple Steps\n<\/h2>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n01\n<\/span>
\n \n \n\t\n\n\n\n\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

\n1-Minute Online Application\n<\/h3>

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

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n02\n<\/span>
\n \n \n\t\n\n\n\n\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

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

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

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\n03\n<\/span>
\n \n \n\t\n\n\n\n\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

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

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

\nMortgage services are available during office hours from Monday to Friday, excluding Saturdays, Sundays, public holidays, or unless otherwise announced; however, the actual approval and cheque issuance times will be subject to the approval status of each individual mortgage application by our company.\n<\/div>\n<\/div><\/div>\n<\/section><\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nCase study\n<\/div>

Self-Sustaining Investment<\/h2>
\nScenario: A parking space with a market valuation of HK$1,500,000, generating a monthly rental income of approximately HK$3,500.\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

\nDown Payment Required\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nIncome review\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nTarget Audience\n<\/p>\n<\/div>\n<\/div>\n<\/div>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n\n<\/div>

\nTraditional Banks\u00a0\u00a0\n<\/h4>
\n(50% mortgage)\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

\nHKD $750,000
(Higher Entry)\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nMandatory\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nHigh-income fixed-salary employees\n<\/p>\n<\/div>\n<\/div>\n<\/div>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n(30% mortgage)\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n

\n\n<\/p>

\nHKD $450,000
(Significantly Lower Entry)\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nWaiver Available \/ Flexible\n<\/p>\n<\/div>

\n \n \n\t\n\n\n\n

\nInvestors, Retirees, and Self-employed\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>

\n*The above data is for reference only; final approval is subject to individual circumstances.\n<\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nClient Testimonials\n<\/div>

\nDiscover the Real Stories of Our Satisfied Customers\n<\/h2>

\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>

\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n \n\n<\/svg>\n \n \n \n <\/div>\n \n\n\n<\/div>
\n \n \n\t\n\n\n\n

\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.

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>

\nRead More\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\nMr. Wong\n<\/span>\nF&B Entrepreneur\n<\/span>\n<\/div>\n<\/div>
\n\n\n\n
\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/div>\n\n\n\n\n\n <\/stop>\n \t\t<\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n \n\n<\/svg>\n \n \n \n <\/div>\n \n\n\n<\/div>
\n \n \n\t\n\n\n\n

\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.

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>

\nRead More\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\nMr. Law\n<\/span>\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div>
\n\n\n\n
\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/div>\n\n\n\n\n\n <\/stop>\n \t\t<\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n\n \n
\n \n \n\n<\/svg>\n \n \n \n <\/div>\n \n\n\n<\/div>
\n \n \n\t\n\n\n\n

\nBank top-up mortgage approvals take two months, while Global Credit's second mortgage delivers cash in hand within 3 days.

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>

\nRead More\n<\/div>\n<\/div>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n\nMr. Law\n<\/span>\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div>
\n\n\n\n
\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/path><\/svg>\n <\/div>\n\n\n\n\n\n <\/stop>\n \t\t<\/stop>\n<\/lineargradient>\n<\/svg>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>
\n\n\n\n<\/div>\n<\/div>
\n \n \n \n\t\n
\n
\n \n
\n \n <\/div>\n <\/div>\n <\/div>\n\n\n\n\n<\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n \n \n\t\n\n\n\n
\nCar Park Mortgage\n<\/div>

\nFAQ\n<\/h2>\n<\/div>
\n
\n

\n