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Mortgage Calculator
Mortgage
Personal Loan
Credit Card
Bank Account
Basic Mortgage
Property details
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.
Refinance Calculator
Before Refinancing-
Monthly repaymentAfter Refinancing-
Monthly repayment change
-
Total interest change
-
Before Refinancing-
Monthly repayment
After Refinancing-
Monthly repayment change
-
Total interest change
-
(exclude cash rebate)
Cash rebate
Before RefinancingOr
Remaining loan
HK$
Interest rate
P=5.375%
-
Tenor
After RefinancingOr
Property Value
HK$
If selected the bank mortgage, max LTV of this property is 80%
New loan amount
HK$
Interest rate
P=5.375%
-
Tenor
Cash rebate
The above information is for reference only. No guarantee or representation is given by mReferral as to its accuracy, completeness and/or applicability. For all individual cases, please refer to the regarding terms and conditions and are subject to the final approval from mReferral & the relevant financial institutions. If using the mortgage insurance premium plan for cash-out purpose, the maximum LTV is 80% and the maximum tenor is 25 years.The above result does not include mortgage insurance premium.
Refinance Calculator
