Oi Wah Pawn 靄華押業

First Mortgage

Second Mortgage

Mortgage Refinancing

"Refinance" means that the property itself has been mortgaged at a bank or a lending institution, but the owner transfers the mortgage of the property to another bank or lending institution, mainly because the interest is relatively low.
You only need to provide the loan contract of the original mortgage institution to apply for the property refinance plan provided by OI WAH, which has very low interest rate.
The Property Refinance Plan of OI WAH is not limited to the type of property and the age of the building. There is no need of proof of income. 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 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

Heavy interest expense

If your current mortgage loan program has a heavy interest expense, you are welcome to use OI WAH's Property Refinance Plan to tailor your personal best interest rate so as to migrate your interest expense. The saved interests amount can bring you extra cash in till.

Reduce Interest Expense

You can transfer your existing mortgage to “Oi Wah” to increase your property loan amount helping you address urgent financial needs if you are unable to top-up your property mortgage at other financial institution. This can reduce your overall mortgage interest expenses while providing sufficient cash flow for flexible use.

Application Procedure

Call or visit
our office to submit
your application

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