"First mortgage" refers to a new mortgage for the property, which requires the deed of property to be used as collateral for banks or lending institutions. OI WAH provides you with a more flexible first mortgage loan, of which the maximum loan amount can reach 80% of the property price. Being simple and flexible, it does not require complicated review procedures, and the loan plan is determined according to individual needs. OI WAH's First Mortgage Loan Plan is not limited to the type of property and the age of the building, and no proof of income is required. Self-employed, retirees or people without proof of income are welcome to apply.
If you already have a property with full mortgage repaid, you can use the first mortgage loan plan of OI WAH to cash out large amounts of funds for turnover. Since OI WAH's First Mortgage Loan Plan does not need to provide proof of income, comparing with the bank's complicated approval process, the first mortgage loan plan of OI WAH can provide you with a more flexible loan service.
If you are a prospective landlord and have not yet successfully obtained approval of the mortgage from the bank, OI WAH's First Mortgage Loan Plan can help you with the loan in order to avoid the loss of deposit.
- OI WAH's First Mortgage Loan Plan's advantages:
Tailor the personal best rate for you;- Exempt from reviewing credit records;
- Interests remain unchanged within the repayment period;
- Very long repayment period;
- No need to submit company financial statements;
- Followed up by professional loan consultant throughout the procedure;
- Procedures handled by lawyer, which is reliable and confident.
- Promotion:
- Free of lawyer fee;
- Free of handling fee and valuation fee;
- No early repayment penalty.
Application Method
All procedures are handled by the Law Firm. For enquiries, please call or email us.
Applicants are required to submit the Hong Kong identity card, the most recent rate value, the most recent management fee list, first mortgage and second mortgage repayment schedules as well as the most recent repayment record. Individual applications may need to submit additional documentation.
Terms and Conditions:
- The above offers do not apply to existing mortgage customers.
- Oi Wah Property Credit Limited reserves the right to make the final decision on the relevent offers and applications.
The Company is not only professional and honest, but also understands the different needs of its clients. We provide exclusive appointment services for distinguished clients to handle the transaction of valuables, so that all privacy of the clients is kept confidential. The independent meeting room is located in the office building of the Group at Rm 2302-2303, Kwan Chart Tower, 6 Tonnochy Road, Wan Chai. For enquiries, please call +852 6699-2228 or contact us via this website.
