{"id":455,"date":"2026-03-09T18:49:02","date_gmt":"2026-03-09T18:49:02","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=455"},"modified":"2026-04-22T02:07:07","modified_gmt":"2026-04-21T18:07:07","slug":"personal-loans-for-hos-and-public-housing-homeowners","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/personal-loans-for-hos-and-public-housing-homeowners\/","title":{"rendered":"Personal Loans for HOS and Public Housing Homeowners"},"content":{"rendered":"
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\nLoan\u00a0\u00a0\n<\/div>
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\nHOS Homeowner Loan\n<\/h2>

\nFast Approval, No Property Pledge, No Premium Payment Required\n<\/h2>\n<\/div>\n<\/div>\n \n \n\t\n\n\n\n
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\nHigh Cash-out Amount\u00a0 \u00a0\u00a0\n<\/div>

HOS Homeowner Loan Features:<\/h2>

\nThe HOS Homeowner Loan possesses all the characteristics of a standard homeowner loan, specifically targeting HOS owners with unpaid land premiums, allowing them to quickly cash out and obtain large amounts of funds. GICL offers swift approval for HOS loans, and some plans even waive the income proof requirement, allowing HOS owners to resolve their financial needs more easily and flexibly.\n<\/p>\n<\/div>

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Tailor-made loan service<\/h3>\n
Tailor-made loan service for HOS owners with unpaid land premium.<\/div>\n <\/div>\n\n<\/div>
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Zero handling fees, legal fees, and valuation fees.<\/h4>\n
We promise to waive all cumbersome fees, including loan processing fees, legal fees, and property valuation fees.<\/div>\n <\/div>\n\n<\/div>
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Penalty-Free Early<\/strong> Repayment Options<\/h4>\n
We guarantee that we will not charge any early repayment fees or penalties, giving you more flexibility and autonomy in managing your finances.<\/div>\n <\/div>\n\n<\/div>
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Repayment period up to 120 months.<\/h4>\n
Offers highly flexible repayment options with loan terms up to 120 months.<\/div>\n <\/div>\n\n<\/div>
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Interest rates as low as 18%.<\/h4>\n
Our interest calculations are clear and transparent, helping you obtain the funds you need at a more reasonable cost.<\/div>\n <\/div>\n\n<\/div>
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Loan amount up to HK$1.5 million.<\/h4>\n
We provide ample cash flow support, with loan amounts up to HK$1.5 million. Whether it's home renovation, credit card debt repayment, or business turnover, we fully meet your large-scale funding needs.<\/div>\n <\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section>
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\nApplication Process\n<\/div>

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

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

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

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

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

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

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

Finance Company vs
\nTraditional Banks<\/h3>\n<\/div>
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\nIncome Proof\n<\/p>\n<\/div>

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\nStress Test\n<\/p>\n<\/div>

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

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\nProfessional Fees\n<\/p>\n<\/div>\n<\/div>\n<\/div>

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\nTraditional Banks\u00a0\u00a0\n<\/h4>\n<\/div>
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\nMandatory and stringent\n<\/p>\n<\/div>

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\nGenerally weeks\n<\/p>\n<\/div>

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

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\nStrict vetting standards\n<\/p>\n<\/div>

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\nBorne by the client\n<\/p>\n<\/div>\n<\/div>\n<\/div>

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\nWaiver available (Case-by-case)\n<\/p>\n<\/div>

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\nFast-tracked (as quick as 5 hours)\n<\/p>\n<\/div>

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\nNo stress test\n<\/p>\n<\/div>

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\nFlexible Assessment\n<\/p>\n<\/div>

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\nFull Waiver\n<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/section>

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\nTips\n<\/div>

\nLoan Tips\n<\/h2>\n<\/div>\n<\/div>
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\nProperty owner loan\u00a0\u00a0\n<\/div>

What is a HOS loan?<\/h2>\n<\/div>

\nA homeowner loan (also known as a homeowner personal loan) is a personal loan product exclusively designed for property owners. It works by using the property as collateral to borrow money from a finance company for cash flow.\n<\/p>\n<\/div>

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\nHOS Loan\n<\/div>

\nCan HOS flats with unpaid land premium apply?\n<\/h2>\n<\/div>

\nThe biggest advantage is that as long as you are an HOS owner who has not paid the land premium, you are eligible to apply. Similar to general property mortgages, the lending institution calculates the loan amount based on the valuation of the applicant's property. Therefore, the approved amount is usually higher than a standard personal loan, making it a popular large-scale cash flow solution for homeowners.\n<\/p>\n<\/div><\/div><\/div>\n<\/section>

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\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>

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\nMiss Lau's mother suddenly fell seriously ill, and she urgently needed to raise funds for surgery and medical treatments. Initially, she approached a bank for a homeowner loan using her HOS flat. However, the bank was extremely cautious with property loan approvals and required her to provide cumbersome documents such as income proof and property deeds, along with a long waiting period.

To solve her urgent needs, she sought help from GICL. She applied for the HOS Homeowner Loan, received express approval within 5 hours, and successfully cashed out HK$1 million in 3 days, allowing her mother to receive timely medical treatment.\n<\/p>

\nRead More\n<\/div>\n<\/div>
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\n \n \n\t\n\n\n\n\nMiss Lau,\n<\/span>\nExecutive\n<\/span>\n<\/div>\n<\/div>
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\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>
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\n \n \n\t\n\n\n\n\nMr. Law\n<\/span>\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div>
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\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>
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\n \n \n\t\n\n\n\n\nMr. Law\n<\/span>\nGarment Industry Business Owner\n<\/span>\n<\/div>\n<\/div>
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\nTransparent Pricing\u00a0 \u00a0\n<\/div>

\nHomeowners can be exempted from the following fees\n<\/h2>\n<\/div>\n<\/div>
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