Oi Wah Pawn 靄華押業

First Mortgage

Second Mortgage

Mortgage Refinancing

"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, only simple documentation is required. Self-employed, retirees or people without proof of income are welcome to apply.

Quality brands Confidence guaranteed by a listed company

Flexible approval Approved in as fast as 24 hrs

No upper limit on large loan amounts, available for repeated drawdown, flexibly matching your needs.

Flexible repayment
Interest-only repayment available
with terms of up to 20 years.

No application fee
Full loan amount with the fastest same-day withdrawal

Liquidity Turnover

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 only simple documentation is required, 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.

Unable to Obtain Bank Approval

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.

Application Procedure

You can apply by phone, via WhatsApp, or online.

STEP 01

We will promptly process
your related
application

STEP 02

We will inform you about
interest, repayment and
loan amount details

STEP 03

Apply Now

Property Valuation

Oi Wah Property Credit Limited

Loan Product Information Summary:

The repayment period can be flexibly arranged, ranging from a minimum of 1 month to a maximum of 240 months.
According to the Money Lenders Ordinance, the maximum effective rate of interest on any loan at 48% per annum.
A brief summary of the relevant loan charges is provided below for reference. Final approval will be subject to the individual applicant’s actual circumstances:

Loan amount: HK$100,000 (Pay interest only during the term and repay Principal in full on maturity date of the loan.)
Loan repayment period: 12 months, with a monthly repayment amount of HK$1,000
Interest Rate (p.a.): 12%
Total repayment amount (principal plus interest): HK$112,000