{"id":7381,"date":"2026-06-23T17:40:34","date_gmt":"2026-06-23T09:40:34","guid":{"rendered":"https:\/\/gicl.com.hk\/?page_id=7381"},"modified":"2026-06-25T15:18:56","modified_gmt":"2026-06-25T07:18:56","slug":"remortgage-cash-out","status":"publish","type":"page","link":"https:\/\/gicl.com.hk\/en\/remortgage-cash-out\/","title":{"rendered":"Remortgage Cash Out"},"content":{"rendered":"
\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\u00a0\u00a0\n<\/div>
\n \n \n\t\n\n\n\n

\nProperty Cash-Out Top-Up\n<\/h1>

\nOne-Stop Property Cash-Out Solutions\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\n<\/div>

\nCash-out Top-up\/Refinancing
Advantages\n<\/h2>\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

24-Hour Express Payout<\/h3>\n
Simple process: 15-min preliminary approval and cash payout within 24 hours upon finalization.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

No Income Proof Required<\/strong><\/h3>\n
No payslips, tax notes, MPF, or stress tests. Perfect for the self-employed and freelancers.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

No Property Age Restrictions<\/h3>\n
Covers private, village houses, tenements, single blocks, and commercial shops. No age limit\u2014old buildings welcome<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

High Cash-Out Limits \u2014 Up to 80% LTV<\/h3>\n
Top up up to 80% of your property's latest market value to unlock maximum liquidity.<\/div>\n <\/div>\n\n<\/div>
\n\n \n
\n \n <\/svg>\n \n \n \n <\/div>\n \n\n
\n

Zero Hidden Fees<\/h3>\n
Free legal and valuation fees. Handling and consultation fees waived with 100% transparency.<\/div>\n <\/div>\n\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section>
\n \n \n\t\n\n\n\n
\n

Who Suits Cash-Out Top-Up Best?<\/h2>\n

Owners Seeking to Release Home Equity<\/h3>\n
    \n
  • Fully paid-off properties or low mortgage balances? Perfect for unlocking fixed assets to gain quick, large-sum liquid cash.<\/li>\n<\/ul>\n

    Business Turnover, Stocking & Renovation<\/h3>\n
      \n
    • Ideal for the self-employed and merchants needing urgent working capital, shop renovations, or quick inventory restocks.<\/li>\n<\/ul>\n

      Debt & Credit Card Consolidation<\/h3>\n
        \n
      • Clear all high-interest card balances and personal loans in one go, drastically cutting down your monthly payment pressure.<\/li>\n<\/ul>\n

        Education, Medical & Home Renovation<\/h3>\n
          \n
        • Fund overseas studies, handle sudden medical emergencies, or finance a complete home make-over.<\/li>\n<\/ul>\n

          Investments & Business Ventures<\/h3>\n
            \n
          • Seize market opportunities by funding overseas down payments, low-dipping stocks, or investing in new business shares.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/section>
            \n \n \n\t\n\n\n\n
            \n

            Best Timing for Cash-Out Top-Up<\/h2>\n

            When the property's market valuation is higher than its original purchase price, or when your original mortgage principal has been partially repaid, it is the golden opportunity to perform a cash-out top-up.<\/p>\n

            Below is a brand-new real case for you, perfectly demonstrating how a property owner painlessly cashed out substantial funding up to HK$1.4 Million through property appreciation and accumulated mortgage repayments:<\/p>\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

            \nFinancial Status Comparison\n<\/h3>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nProperty Value\n<\/p>\n<\/div>

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

            \nMax. LTV Ratio\n<\/p>\n<\/div>

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

            \nMax Loan Limit\n<\/p>\n<\/div>

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

            \nRemaining Balance\n<\/p>\n<\/div>

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

            \nNet Cash-Out Amount\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

            \nAt Purchase\n<\/h3>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nHK$ 6,000,000\n<\/p>\n<\/div>

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

            \n60%\n<\/p>\n<\/div>

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

            \nHK$ 3,600,000\n<\/p>\n<\/div>

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

            \nHK$ 3,600,000\n<\/p>\n<\/div>

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

            \nN\/A\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

            \nCurrent
            (Appreciated)\n<\/h3>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nHK$ 7,000,000\n<\/p>\n<\/div>

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

            \n60%\n<\/p>\n<\/div>

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

            \nHK$ 4,200,000\n<\/p>\n<\/div>

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

            \nHK$2,800,000 (Principal repaid)\n<\/p>\n<\/div>

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

            \nUnlocked HK$1,400,000 Cash!\n<\/p>\n<\/div>\n<\/div>\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
            \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><\/div>\n<\/section>
            \n \n \n\t\n\n\n\n

            \nTop-up vs. Cash-out vs. Second Mortgage vs. Refinancing: Understanding the Differences\n<\/h2>
            \n \n \n\t\n\n\n\n
            \n \n \n\t\n\n\n\n
            \n \n \n\t\n\n\n\n

            \nEvaluation Items\n<\/p>\n<\/div>

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

            \nDefinition
            \u00a0\n<\/p>\n<\/div>

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

            \nRelationship with Original Institution
            \u00a0\n<\/p>\n<\/div>

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

            \nMaximum LTV Ratio
            \u00a0\n<\/p>\n<\/div>

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

            \nInterest Rate Range
            \u00a0\n<\/p>\n<\/div>

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

            \nProcessing Time
            \u00a0\u00a0\n<\/p>\n<\/div>

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

            \nSuitable For
            \u00a0\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

            \nTop-up Mortgage\n<\/p>\n<\/div>

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

            \nApply to the original mortgage institution to increase the loan amount
            \u00a0\n<\/p>\n<\/div>

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

            \nMaintain the original institution, still under the first priority
            \u00a0\n<\/p>\n<\/div>

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

            \nUp to 60% to 80% at most
            \u00a0\n<\/p>\n<\/div>

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

            \nRelatively low (close to the original first mortgage rate)
            \u00a0\n<\/p>\n<\/div>

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

            \nRelatively slow (requires re-assessment by the original institution)
            \u00a0\n<\/p>\n<\/div>

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

            \nOwners needing extra cash who like their current rate.\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

            \nCash-out Top-up\/Refinancing\n<\/p>\n<\/div>

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

            \nTransfer to a new institution while increasing the limit and withdrawing the difference\n<\/p>\n<\/div>

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

            \nRepay and terminate the relationship with the original institution, transfer to a new institution\n<\/p>\n<\/div>

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

            \nUp to 80% at most
            \u00a0\n<\/p>\n<\/div>

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

            \nLow (enjoy brand-new privileged low-interest market channels)\n<\/p>\n<\/div>

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

            \nRelatively slow (involves re-valuation and legal procedures)\n<\/p>\n<\/div>

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

            \nSmart owners wanting a large cash-out at low interest.\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

            \nSecond Mortgage\n<\/p>\n<\/div>

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

            \nRetain the original first mortgage and apply for a second mortgage with a new institution\n<\/p>\n<\/div>

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

            \nNo consent from the original institution required; the new institution holds the second priority\n<\/p>\n<\/div>

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

            \nTotal LTV ratio of 1st + 2nd mortgage can reach up to 80% to 90%\n<\/p>\n<\/div>

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

            \nSlightly higher (as a subordinate priority, the institution bears higher risk)\n<\/p>\n<\/div>

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

            \nExtremely fast (GICL offers approval in as fast as 15 mins, payout within 24 hours)\n<\/p>\n<\/div>

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

            \nOwners with ultra-low 1st rates needing urgent, fast capital.\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

            \nRefinancing (Pure)\n<\/p>\n<\/div>

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

            \nChange the mortgage institution to earn rebates or low interest, without increasing the loan\n<\/p>\n<\/div>

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

            \nRepay and terminate the relationship with the original institution, transfer to a new institution\n<\/p>\n<\/div>

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

            \nUp to 60% to 70% at most
            \u00a0\n<\/p>\n<\/div>

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

            \nLowest (purely pursuing the lowest interest rates and cash rebates in town)\n<\/p>\n<\/div>

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

            \nRelatively slow (generally takes more than 1 month)
            \u00a0\n<\/p>\n<\/div>

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

            \nOwners purely looking to cut interest costs and earn cash rebates.\n<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/section>

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

            Cash-Out Top-Up: Limits & Rates<\/h2>\n

            Maximum LTV Limit<\/h3>\n

            Up to 80% LTV (minus current mortgage balance). Example: For a $10M property with a $3M bank balance, you can unlock up to an extra HK$5 Million in cash through GICL.<\/p>\n

            Interest Rates<\/h3>\n

            Rates vary by lender. Traditional banks (H or P-plan) run around 3.5% - 4.5% p.a. Finance companies offer express approval with rates generally around 6% - 12% p.a.<\/p>\n

            Costs & Fees<\/h3>\n

            Standard refinancing costs include legal, valuation, or bank penalty fees. GICL waives all extra handling, legal, and valuation fees with a 100% zero hidden cost guarantee.<\/p>\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
            \n \n \n\t\n\n\n\n
            \n \n \n\t\n\n\n\n
            \nWhich is right for you?\n<\/div>

            \nFinance Company Top-up
            vs
            Traditional Bank Top-up\n<\/h2>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nInterest Rate Level\n<\/p>\n<\/div>

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

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

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

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

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

            \nProperty & Age Restrictions\n<\/p>\n<\/div>

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

            \nProcessing & Payout Time\n<\/p>\n<\/div>

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

            \nSuitable For\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 Bank Top-up\n<\/h3>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nRelatively low (mainly adopting market H-rate \/ P-rate plans)\n<\/p>\n<\/div>

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

            \nMust provide (required to prepare tax demand notes, salary payslips, and MPF records)\n<\/p>\n<\/div>

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

            \nMust pass (restricted by the HKMA's rigid debt-servicing ratio)\n<\/p>\n<\/div>

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

            \nMore restrictions (LTV ratios for old buildings, tenements, or village houses are often reduced)\n<\/p>\n<\/div>

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

            \nRelatively long (complicated approval procedures, generally requiring 4 to 8 weeks)\n<\/p>\n<\/div>

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

            \nProperty owners whose funding needs are not urgent and who can provide perfect income proof\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\"\ud83c\udf10

            \nGICL Top-up\n<\/h3>\n<\/div>
            \n \n \n\t\n\n\n\n

            \nSlightly higher (but renowned for express approval, zero handling fees, and high flexibility)\n<\/p>\n<\/div>

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

            \nFully waived (self-employed or those without regular income proof can also apply)\n<\/p>\n<\/div>

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

            \nCompletely unnecessary (adopting pragmatic approval standards, no stress test threshold)\n<\/p>\n<\/div>

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

            \nNo restrictions (private housing, tenements, village houses, and even commercial\/industrial properties are welcome)\n<\/p>\n<\/div>

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

            \nUltra-fast (preliminary approval in as fast as 15 minutes, payout within 24 hours)\n<\/p>\n<\/div>

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

            \nProperty owners in urgent need of large-sum cash turnover, lacking regular payslips, or holding old buildings\n<\/p>\n<\/div>\n<\/div>\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
            \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
              \n
            • Industry: F&B Owner, Tsim Sha Tsui<\/li>\n
            • Property: Private Residential (With existing bank mortgage)<\/li>\n
            • Service: Property Cash-Out Top-Up<\/li>\n<\/ul>\n

              \"Banks are too slow and rigid. Thanks to GICL, I got my expansion funds in just a few days!\"<\/b><\/p>\n

              I needed to secure the shop next door for expansion, but the landlord gave me only two weeks to pay the deposit. Traditional banks asked for years of audited tax reports and income proofs, telling me approval would take a month\u2014which was way too late.<\/p>\n

              A friend recommended GICL. Their team was incredibly professional; they arranged my property valuation on day one. I was amazed by how flexible and welcoming they are toward self-employed business owners<\/p>\n

              It took just 5 working days from application to cash in hand! I secured the lease, and renovations are already underway. If your business needs urgent, large-scale capital, GICL is the ultimate lifesaver.<\/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\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

              \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&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.\"

              \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>

              \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>\nRestaurant 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 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.

              \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>

              \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\nMIss Chan\n<\/span>\nE-commerce Trader\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
              \nFirst Mortgage Loan\n<\/div>

              \nFAQ on Cash-Out Top-Up\n<\/h2>\n<\/div>
              \n
              \n

              \n