What is a "Flexible" mortgage loan?

We provide home owners with "flexible" mortgage loans to satisfy their different needs. As long as they are owners of completed properties or properties under construction, or owners of residential buildings, village houses, tenement houses, HOS flats with premiums paid, offices, shops, industrial or commercial properties or parking spaces, these can all be used for property cash-out.

Most importantly, our professional team will analyse and design the most appropriate loan scheme for home owners which will meet their actual financial needs and make a loan "affordable", truly allowing owners to "lighten the burden via a loan".

How flexible, easy and cost-effective are the mortgage and loan services we provide for home owners?

1. Reserve standby credit facilities for home owners: in case of future funding needs, no re-approval is needed and the reserved standby credit facilities are free of withdrawal fees and interest.
2. Even if one of the owners cannot sign the mortgage documents for he/she is abroad, we can also easily and conveniently provide mortgage loans for another joint owner.
3. We can pay off the owners' first and second mortgages, as well as high-interest credit card debt, reducing the owners' repayments and interest expenses in a timely manner and provide them with additional cashed-out funds .
4. If the property has joint owners, we can provide "Personal Loans for Home Owners" to one of the owners without notifying the other joint owners. The application process is quick and easy while the privacy of the applicants are protected.
5. We can provide express loan services for home owners without mortgages but with title deeds. The successful loan applicants can withdraw loans right after approval, which is both easy and convenient.
6. If the owner has contracted with the Company for a "Second Mortgage" and hopes to change the contract into a first mortgage agreement to cash out large amounts of funds and alleviate repayments, we can promptly handle the application as required by the owner and provide a lower mortgage interest rate.
7. In the event of insufficient down payment or low home appraisal, we can provide the prospective owner with a higher mortgage amount or approve the application for a second mortgage on the day of property transaction, which can help the prospective owner completes the transaction easily.
8. If the owner has contracted with a bank for a first mortgage but cannot apply for a further mortgage or personal loan due to a default on credit card debts thereby affecting his/her credit record, we can pay off all of the owner's debts to improve his/her credit record.