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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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- MOX
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- Min relationship balance
- Min monthly salary
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MOX Account
- Enjoy up to HK$1,700 Cash Reward

HK$
Min relationship balance
HK$
Min monthly salary
HK$1700
Welcome offer (Up to)
Miles Welcome Offer (with the promo code "MOXTRAVEL")
Offer: Spend to earn up to 28,500 miles!
Terms and conditions
Open a Mox Account successfully with the invitation code "MOXTRAVEL" and eligible spending within 60 calendar days after approval to earn up to 28,500 Asia miles, enough to redeem round-trip to Asia!
- From 1 April 2026 to 30 June 2026 : New customers open Mox Account via promo code and complete the Mox Account opening process the following 15 days
- The Mox Credit Card must be approved by Mox within 30 days after using the invitation code , subject to the Bank’s system records
- spend to earn up to 28,500 Asia miles
| Challenge | Miles Reward |
|---|---|
| Welcome Reward 1:Credit Approval Challenge | 2,500 Miles (Eligible spending HK$10,000, HK$4=1) |
| Welcome Reward 2:Spend Challenge Customer spend HK$10,000 eligible spending in the following 60 days of credit approval earn 15000 Asia Milles | 15,000 Asia Miles |
| Welcome Reward 2:Deposit Challenge Customer fund in HK$100,000 within 7 calendar days after approval AND keep funds for 60 days Hold Fund Period, earn 11,000 Asia Miles | 11,000 Asia Miles |
| 28,500 Asia Miles |
- "MOXTRAVEL" Promo Code Promotion Terms and Conditions apply.
- Limited quota for the Promotion, first come first serve
- To borrow or not to borrow? Borrow only if you can repay!
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