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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
- Welcome offer (Up to)
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MOX Account
- Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase (valued at HK$4,280; random colour) / Marshall Emberton II Speaker (valued at HK$1,499) / HK$1,000 Apple Gift Card OR HKTVmall e-Gift Voucher OR Trip.com Gift Card
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Min relationship balance
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Min monthly salary
HK$250
Welcome offer (Up to)
Open a Mox Account successfully with the invitation code "MHOCT", successfully apply for Mox Credit via MoneyHero and spend HK$8,000 within 60 calendar days after approval to enjoy: Delsey ECLIPSE SE 31" Expandable Front Opening Suitcase (valued at HK$4,280; random colour) / Marshall Emberton II Speaker (valued at HK$1,499) / HK$1,000 Apple Gift Card OR HKTVmall e-Gift Voucher OR Trip.com Gift Card
- From 2 October 2024 10 a.m. to 31 October 2024 11:59 p.m.: New Mox customers who successfully apply for Mox Credit via MoneyHero
- Within 14 days of after receiving the successful application email from Mox when your Mox Credit approved: Submit the reward redemption form sent via email previously
- The Mox Credit must be approved by Mox within 30 days after opening the Mox account, subject to the Bank’s system records
- Tips:
- Successfully open the Mox account as well as Mox Credit and accumulate spending of HK$8,000 within 60 calendar days after approval to receive an email with application reference number (7 or 9 alpha-numeric digits) from Mox in 14 working days. Please submit the reward redemption form sent via email previously within 14 days of after successfully fulfilling the required spending.
- 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.. After successfully fulfilling the spending requirement, you will receive an email notice with application reference number (7 or 9 alpha-numeric digits) in 14 working days. Please be reminded to enter the Invitation Code to get the application reference number, if you don't receive the email, please check your spam folder.
- MoneyHero Limited-Time Exclusive Offer is provided by MoneyHero, Mox has no relation with its redemption, usage and dispute.
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