Property Mortgage/Premium Financing

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Frequently Asked Questions

1.Why choose Phillip Finance?

We offer professional property mortgage services, 80% loan-to-value for property appreciation, no TU, no penalty interest for early repayment, and up to 70% loan-to-value for any property.

2. What types of properties can I apply for a property loan?

Private properties, tenement buildings, HOS, small houses, village houses, shops, factories, offices and parking spaces are all eligible for property loans, regardless of their age.

3. What is the annual interest rate of Phillip Finances' first mortgage loan?

The annual interest rate is as low as 3.88% (SCB Prime - 1.37%).

4. Are there any fees and charges during the loan processing period?

We do not charge any legal fees, handling fees or valuation fees, and the loan application process is completely free of charge. No fee will be charged if the loan application is not approved, cancelled, or if the loan is not confirmed and accepted.

5. What documents do I need to apply for a loan?

The following documents are required: identification documents (e.g. HKID card, passport), proof of address (e.g. recent rates statement, management fee statement), bank statement for the last 3 months, proof of salary for the last 3 months, loan notification letter from the financial institution.

6. How long does the approval process take after submitting the information?

If the information is complete and correct, the approval process will take about 2 to 3 working days.

7. How can I apply for a loan?

You can Apply Online Or via Phone by calling 2277 6811, WhatsApp 6266 8610, WeChat ID PFHK 2021 or via e-mail.

8.What are the other channels besides online application?

You may visit our office (Address: 11-12/F, United Centre, 95 Queensway, Hong Kong (Exit D, Admiralty Railway Station).

9. Can I apply for a loan if the property is owned by a company?

Yes, the loan can be obtained by all company owners.

10. Can I apply for a mortgage or loan if I am a Mainlander?

Yes, the applicant must provide your Chinese ID card and personal information such as proof of address, proof of employment, etc.
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Tel : (852) 2277 6555
Fax : (852) 2277 6008
Email : cs@phillip.com.hk

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