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Basic Mortgage
Mortgage Calculator
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If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
Mortgage Process
Verbal valuation and pre-approval
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Sign the Provisional Agreement for Sale and Purchase
To avoid the problem of undervaluation, you should do a verbal valuation and pre-approval by mReferral or bank before signing the contract.
Mortgage Process
Seek advice from mReferral
Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
Submit documents
Provisional Agreement for Sale and Purchase, copy of ID card of borrower and guarantor (if any), income proof, e.g. employment contract/latest salary slip, bank book/statements showing salary income or latest tax demand note
Mortgage Process
Bank approves mortgage application
It usually takes a week to a month for the bank to approve a mortgage. Compare and choose the bank with the most suitable terms, and sign the letter of loan offer with bank. The bank will send a letter to your law firm to inform the lawyer to prepare the mortgage deed.
Mortgage Process
Sign documents at law firm
Before the transaction day, the buyer and the guarantor (if any) go to the law firm to sign the mortgage deed and other documents required by the bank.
Mortgage Process
Complete transaction
The law firm informs the bank that the bank will deliver the loan to the law firm to arrange delivery to the seller, and the transaction is completed. After the transaction is completed, the bank will issue a cash rebate for the mortgage within one month. In addition, a repayment process table will be sent to inform customers of the detailed information of the principal, interest and balance of the monthly payment.
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  • Citic Bank International
  • MOX
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CNCBI inMotion
  • Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ; or HK$1,200 Apple Store Gift Card; or HK$1,200 Wellcome Shopping Voucher
HK$
Min relationship balance
HK$
Min monthly salary
HK$3800
Welcome offer (Up to)

    [MoneyHero Exclusive Offer]
    From 28 May 2024 6 p.m. till 11 Jun 2024 6 p.m. (the “Promotion Period”), CNCBI new customers who successfully open a designated bank account via inMotion APP with the MoneyHero promo code "24MH01", register Monopoly Deposit and deposit HK$10,000 or above eligible new funds* are entitled to enjoy one of the limited-time exclusive offer:
    Gift Options

    Dyson Supersonic™ HD15 Hair Dryer (Valued at HK$3,780, random colour) (redeem with HK$1,500); or
    Philips RO Water Dispenser ADD6910/90 (valued at HK$2,788) (redeem with HK$700); or
    Nescafe Dolce Gusto Genio S Plus with capsules (Valued at HK$1,780; random colour) ; or
    Marshall Emberton Bluetooth Speaker (valued at HK$1,499); or
    HK$1,000 Apple Store Gift Card; or
    HK$1,000 Wellcome Shopping Voucher
    Terms & Conditions
    After clicking “Apply Now”, please follow the steps to receive the “Reward Redemption Form”. The form has to be filled in and submitted within 7 days.
    Terms and Conditions Apply, please click here for details.
    *During the Promotion Period, CNCBI new customers who successfully opened a Multi-Currencies Statement Savings Account via inMotion APP with the MoneyHero promo code "24MH01", register for May/June MONOPOLY Deposit, deposit HK$10,000 or above eligible new funds (the new funds have to maintain till 30 June, 2024, subject to the Bank’ system records).
    The last registration date of May MONOPOLOY Deposit will be 30 May 2024 20:00. June MONOPOLY Deposit registration will start on 1 Jun 2024 00:00.
    Tips:
    Please turn off AdBlocker and private mode before application: 3 settings to ensure coupon reward eligibility
    Remember to have your cell phone and Hong Kong Identity Card ready before applying. It is recommended to submit all the required documents in one go to speed up the approval process. Once you successfully opened an account, you will receive an Application Reference Number (e.g. DB0123456789). Please input such number in the Reward Redemption Form.
    MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, CNCBI has no relation with its redemption, usage and dispute.
    All of the Rewards will be issued randomly in colour
    The redemption process may take at least 16 weeks starting from the date on which the eligibility is confirmed by CNCBI, depending on the actual situation regarding user approval and transaction status or other factors that may affect eligibility for the Promotion Reward.

    MOX Account
    • Delsey ECLIPSE SE 31" Expandable Spinner Front-opening Suitcase (valued at HK$4,280, random colour); or Marshall Acton III Bluetooth Speaker (valued at HK$2,499;random color); or Nescafe Dolce Gusto Genio S Plus (Valued at HK$1,390 ; random colour) ;
    HK$
    Min relationship balance
    HK$
    Min monthly salary
    HK$250
    Welcome offer (Up to)

      Gift Options

      Up to 9% Hotel Discount + Up to HK$100 Flight Discount
      Terms & Conditions
      Mox Bank X Trip.com Promotion - Up to 9% exclusive hotel and flight discounts on Trip.com

      Promotion Period: From now until 31 December 2024

      Valid for hotel stays and flight departures: From now until 15 January 2024

      During the promotion period, Mox customers can enjoy exclusive discount offers when booking hotels or flights via a specified page on Trip.com directed from our specified link. Simply use Mox Credit and enter the unique promo codes below for instant savings, earning up to 9% discount and 5.5% discount respectively, including an extra 3% CashBack
      Offer 1: Enjoy a 6% discount on hotel bookings with promo code “MOXH” (applicable to room rates and taxes only)
      Offer 2: Get discounts on flights with promo code “MOXF”: Get HK$50 off for orders over HK$2,000 or HK$100 off for orders over HK$4,000 (applicable to adult ticket fares only, excluding taxes and other surcharges)

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