Mainland China Property Refinancing
Free-hold properties cash-out through refinancing
Annualized interest rate as low as P-2% ( P: 5.625% ) = 3.625%
Loan amount up to 70% of the Property’s appraised value,
Repayment period of up to 20 years
Offers
Second Mortgage Scheme
No limitation on property value Exemption for stressed cap
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Negotiable Repayment Penalty Period
Loan-to-Value Ratio up to 80%
Chinese Tenement Mortgage Plan
Interest Rate (p.a.): HIBOR+1.3%
Interest Rate Cap P-2% (P:5.625%) =3.625%
Cash Rebate up to 0.1% - 0.3%
Repayment Penalty Period 2 years
Loan-to-Value Ratio up to 60%
Industrial Properties Mortgage Plan
Interest Rate (p.a.): Up to P-2%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
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2 years Repayment Penalty Period
Loan-to-Value Ratio up to 70%
Loan Tenor up to 20 years
Commercial, retail shop Property Mortgage Plan
Interest Rate (p.a.): Up to P-2.5%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
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Repayment Penalty Period: 2 years
Loan-to-Value Ratio: up to 70%
Loan Tenor: up to 20 years
Car Park Mortgage Plan
Interest Rate (p.a.) up to P-2% (P:5.625%)
Net Rate (p.a.) 3.625%
2-year Repayment Penalty Period
Loan-to-Value Ratio up to 70%
Loan Tenor up to 15 years
Shorter Penalty Repayment Plan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
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Loan-to-Value Ratio: 80% or up to 90%*
Loan Tenor up to 30 years
Deposit-linked Mortgage Plan
Enjoy Higher interest on savings & Reduced interest on mortgage loan
Interest Rate (p.a.): HIBOR+1.30%
Interest Rate Cap P-2% (P: 5.625%) =3.625%
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Repayment Penalty Period 2 years
Loan-to-Value Ratio 80% or up to 90%*
Loan Tenor up to 30 years
Share Transfer Scheme
Contribution for net interest only
Interest Rate (p.a.) 12%
Repayment Penalty Period: 2 months
Loan-to-Value Ratio up to 70%
Remarks
*Property value up to HK$10m，maximum loan-to-value (LTV) ratio up to 90%. Property value above HK$10m and below HK$11.25m, maximum LTV ratio 80% - 90% (subject to a loan cap of HK$9m). Property value HK$11.25m and up to HK$15m, maximum LTV ratio up to 80%. Property value above HK$15m and up to HK$17.15m, maximum LTV ratio 70% - 80% (subject to a loan cap of HK$12m). Property value HK$17.15m and up to HK$30m, maximum LTV ratio up to 70%. For further information please contact us. WHATSAPP: 56622730
**To get extra bonus rebate, please contact us.
Reference
Hong Kong Interbank Offered Rate (HIBOR), as of 2024-11-29: 4.30893
