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If this website fails to provide the property valuation you need, please select "Other" to manually enter the property address.
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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
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Apply for a mortgage loan from at least three banks. If you want to apply in one go, mReferral would definitely help.
Mortgage Process
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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.
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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.
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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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Personal Loan Comparison

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  • United Asia Finance Limited
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  • Grantit
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  • National Resources Properties Mortgage Limited
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OCBC Bank Personal Loan
  • [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate, up to HK$11,000 rebate
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
200
Max loan amount
  • New Customer who successfully applied and drawdown the loan to enjoy up to HK$10,000 Cash Rebate
  • New Customer who successfully applied via Online and drawdown the loan to enjoy up to HK$500 Apple Store Gift Card Offer
  • New Customer who successfully applied and drawdown the loan to enjoy up to HK$10,000 Cash Rebate
  • New Customer who successfully applied via Online and drawdown the loan to enjoy up to HK$500 Apple Store Gift Card Offer
  • [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
  • APR as low as 2.16%
  • Maximum loan amount can be as high as HK$2,000,000 or twenty times of monthly salary (whichever is lower)
  • Long repayment tenor as long as 60 months

Notes regarding the Personal Loan:

  1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 2.16% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000 with the monthly flat rate at 0.063%, when approval is obtained from the Bank, the APR for 12 months will be 2.16% (inclusive of HK$9,000 cash rebate) or 3.30% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,340. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
  2.  The promotion period of the "Up to HKD10,000 Cash Rebate promotion" and “Apple Store Gift Card Offer” (“Promotion”) is from 22 April 2024 to 30 June 2024, both dates inclusive (“Promotion Period”).
  3. It comprises the total sum of up to HK$10,500 Cash Rebate and $500 Apple Store Gift Card under the Promotion.

The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Bank for details.

To borrow or not to borrow? Borrow only if you can repay!

BOC Express Cash Instalment Loan Balance Transfer
  • Earn up to HK$23,888 cash rebate
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
200
Max loan amount
  • Earn up to HK$23,888 cash rebate

mReferral Exclusive Offer: 

Cash rebate will be entitled by inputting a reference code “AM” on mReferral website. Successful application via e-Channels can earn up to HK$23,888 cash rebate. Promotion terms and conditions apply. 

  • Loan amount up to HK$2,000,000 or 21 times of monthly salary (whichever is lower)
  • Help you save interest expenses, centralize your repayment and settle your card balance easily

Features

BOCHK Offer – Reward up to HK$23,888 Cash Rebate

  • Customer can earn up to HK$23,888 cash rebate by fulfilling the following requirements: 

Loan Amount 

Limited Time Cash Rebate Offer (HK$)

$50,000 - $199,999

$888

$200,000 - $499,999

$3,888

$500,000 - $999,999

$13,888

$1,000,000 or above 

$23,888

  • Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above with the promotion period
  • Successfully submit the application with inputting reference code " AM"
  • The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice

 

Product Features 

  • APR as low as 5.93% ; 1% handling fee
  • Repayment period up to 72 months 
  • Loan amount up to HK$2,000,000 or 21x of your monthly salary (whichever is lower)
  • Minimum income requirements: Monthly income is not less than HK$6,000

Things you need to know 

  • The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (“BOCHK”) website 
  • For details of promotion offers and terms and conditions, please refer to BOCHK website 
  • The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider’s approval. 

Reminder: To borrow or not to borrow? Borrow only if you can repay!

BOC Express Cash Instalment Loan
  • Earn up to HK$7,300 cash rebate
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
400
Max loan amount
  • Earn up to HK$7,300 cash rebate

mReferral Exclusive Offer: 

An extra HK$500 cash rebate will be entitled by inputting a reference Code“AM”on mReferral website. Successful application via eChannels can earn up to HK$7,300 cash rebate (including mReferral exclusive cash rebate of extra HK$500). Promotion Terms and conditions apply. 

Features

BOCHK Offer - Reward up to HK$6,800 Cash Rebate

Customer can earn up to HK$6,800 cash rebate by fulfilling the following requirements:

Loan Amount (HK$)

Cash Rebate for 

Instalment Loan / Loan Top up (HK$)

Limited Time Cash Rebate Offer (HK$)
24 Months36 Months or above
HK$50,000 - HK$99,999Not Applicable$500
HK$100,000 - HK$199,999$800
HK$200,000 - HK$499,999$500$1,500
HK$500,000 - HK$999,999$800$2,000
HK$1,000,000 - HK$1,499,999$1,000$2,500
HK$1,500,000 - HK$2,999,999$1,500$3,800
HK$3,000,000 or above$2,000$6,800
  • Successfully apply and drawdown with a loan amount of HK$50,000 or above, and with a repayment tenor of 36 months or above within the promotion period ; OR Successfully apply and drawdown with a loan amount of HK$200,000 or above, and with a repayment tenor of 24 months within the promotion period
  • An extra HK$500 cash rebate will be earned upon successful registration with inputting reference code “AM”
  • The above reward offer will be directly credited to the BOC repayment account of the eligible customers on or before 31 December 2024 without prior notice

 

Requirement:

  • Minimum income requirements: Monthly fixed income is not less than HK$6,000

Remarks:

  • The quoted interest rate is calculated based on a loan amount of HK$1,500,000 with repayment tenor of 12 months and monthly flat rate of 0.0830%. The Annualized Percentage Rate (APR) is 1.85%
  • The above information is for reference only. For details, please visit Bank of China (Hong Kong) Limited (BOCHK) website 
  • For details of promotion offers and terms and conditions, please refer to BOCHK website 

Reminder: To borrow or not to borrow? Borrow only if you can repay!

【Hot】Promise Instant Personal Loan
  • [Limited-time Offer] Get $30,000 loan with $1,000 Cash Rewards
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
90
Max loan amount
  • Eligible new customers can earn $1,000 cash reward upon loan withdrawl of a specific amount of $30,000
  • Long and flexible repayment period

Enjoy our limited time Welcome Offer! Eligible New Customers who withdraw their loans from 1 April 2024 to 30 June 2024, will receive a cash reward of up to HK$10,000▲.

▲ Terms and Conditions of Welcome Offer :

1.Eligible New Customers are entitled to the corresponding reward after they have successfully drawn down the required loan amount in accordance with Terms & Conditions herein. Reward is shown below.

First Drawdown Loan Amount (HK$)

Cash Reward (HK$)

$500,000 or above

 $10,000

 $400,000 - $499,999

$6,000

 $200,000 - $399,999

$3,000

 $30,000 - $199,999

$1,000

 $10,000 - $29,999

$500

2.Promotion Period is from 1 April 2024 to 30 June 2024 (both dates inclusive).

3.This welcome offer does not apply to New Customers whose annual interest rate as stated in their respective loan agreement is 4.4% (i.e. monthly flat rate of 0.2%) or below.

4.This Welcome Offer is only applicable to Eligible New Customers.

5.To entitle the reward, Eligible New Customers must fulfill the first and second installment payment according to the loan agreement.

6.If Eligible New Customers make any repayments/full repayment before the first and/or second installment due date(s), both of which have already been specified and scheduled in the loan agreement, his/her reward entitlement will hence be forfeited without prior notice.

7.In the event where Eligible New Customers revise the loan agreement before the first and/or second installment due date(s), both of which have already been specified and scheduled in the loan agreement, Promise (Hong Kong) Co., Ltd. is entitled to determine his/her reward entitlement at its full discretion.

8.Eligible New Customers are entitled to redeem the reward if there is no delay payment on his/her own account.

9.Eligible New Customers must redeem the reward from any one of our branches in person.

10.Eligible New Customers must redeem the reward before the expiry date, i.e. 30 September 2024.

11.In case of disputes regarding the contents of this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.

12.Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit without prior notice.

Introduce our service to your relatives/friends!

From 1 April 2024 to 30 June 2024, members are entitled to obtain a cash reward of HK$1,000 

■ if a relative/friend is referred to join us. And Referee can also enjoy the Welcome Offer (https://bit.ly/3rVHwVP). 

■ Terms and Conditions of Promise Referral Program:

1.Referrer is entitled to the cash reward if loan amount $10,000 or above is successfully drawn down by the new customer.

2.Promotion Period is from 1 April 2024 to 30 June 2024 (both dates inclusive).

3.Referrer must be our existing member.

4. Referrer must provide referee's name and membership number for cash rebate redemption verification.

5.Referrer is entitled to redeem the cash reward if there is no delay payment on his/her own account.

6.Referrer must redeem the cash reward from any one of our branches in person.

7.Referrer must redeem the cash reward before the expiry date, 30 September 2024, otherwise it will be forfeited.

8.In case of disputes regarding the contents of this offer, the decision of Promise (Hong Kong) Co., Ltd. shall be final and conclusive.

9.Promise (Hong Kong) Co., Ltd. reserves its right to approve any loan applications and / or reward redemption and is entitled to revise the above said Terms and Conditions as it sees fit without prior notice.

- Warning: You have to repay your loans. Don't pay any intermediaries.

- Enquiry and Complaint Hotline : 3199 1199

- Money Lender’s Licence Number : 1229/2023

OCBC Bank Decoration Loan
  • Enjoy up to HK$8,000 rewards and receive free Dyson Supersonic™ hair dryer HD15 + Get HK$50 coupon regardless of approval result + Exclusive extra $500 cash rebate
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
200
Max loan amount
  • New Customer who successfully applied and drawdown the loan to enjoy up to HK$8,000 rewards and receive free Dyson Supersonic™ hair dryer HD15
  • [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
  • New Customer who successfully applied and drawdown the loan to enjoy up to HK$10,000 rewards
  • [mReferral Exclusive Offer] Enjoy the extra HK$500 cash rebate
  • APR as low as 2.16%
  • Maximum loan amount can be as high as HK$2,000,000 or twenty times of monthly salary (whichever is lower)
  • Long repayment tenor as long as 60 months
  • Successfully draw down and receive free Dyson Supersonic™ hair dryer HD15 or redeem other products* at exclusive redemption price!


*Please read “Decoration Loan Premium Gift Offer” Terms and Conditions.

Notes regarding the Decoration Loan: 

  1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. The APR ranged from 2.16% to 36% generally and the minimum repayment period and maximum repayment period is of 6 months to 60 months. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis. The APR has been corrected to 2 decimal places. If the loan amount is $1,500,000 with the monthly flat rate at 0.063%, when approval is obtained from the Bank, the APR for 12 months will be 2.16% (inclusive of HK$9,000 cash rebate) or 3.30% (excluding cash rebate), including the handling fee of 1.00% per annum, the total repayment amount will be HK$1,511,340. The handling fee shall be added onto the loan amount and to be paid together with the monthly instalments. The value of the Rebate that an Eligible Customer is entitled to will depend on the Loan amount applied for and drawn down and the APR. Example is for reference only. The APR may differ with different loan amounts and tenors. For details, please contact our staff.
  2. The promotion period of “Decoration Loan Premium Gift Offer” (“Promotion”) is from 1 April 2024 to 30 June 2024 (both dates inclusive) (“Promotion Period”).
  3. The promotion period of the “Decoration Loan: Up to HKD10,500 Cash Rebate promotion” (“Promotion”) is from 1 April 2024 to 30 June 2024, both dates inclusive (“Promotion Period”).

The above loan product and offer are bound by the applicable terms and conditions.  Please contact the staff of the Bank for details.

To borrow or not to borrow? Borrow only if you can repay!

UA "NO SHOW" Personal Loan
  • 【UA rewards you the Best-in-town+ offer!】Cash Reward up to $18,000^ for all new and existing customers*!
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
100
Max loan amount
  • Just a call and cash will be ready. No documents required #
  • Instant cash transfer by FPS**

"NO SHOW" Personal Loan

  • From now until May 31, 2024, cash reward up to $18,000^ for all new and existing customers* upon successful loan application and drawdown!
  • Just a call and cash will be ready. No documents required#
  • Instant cash transfer by FPS**

UA ROUND-TRIP TICKETS FOR TWO TO EUROPE GIVEAWAY CAMPAIGN
From 30 May 2024 to 15 July 2024, Eligible Customers must complete the designated missions within the designated period in accordance with these Terms and Conditions to stand a chance to win one set of round-trip direct economy class flight ticket for two adults to Europe.

 

# United Asia Finance Limited (“the Company”) is the sole financial institution in Hong Kong that does not require customer (including new and existing customers) to provide document proof for the application of “NO SHOW” Personal Loan. Nevertheless, customer has to fulfill the respective credit requirements by the Company. Otherwise, customer might be required to come to the branches in person to provide relevant document.

**Loan approval and electronic transfer service is available from Monday to Friday 9:00am-6:30pm), Saturday to Sunday 9:00am-5:30pm) and except public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

+ As of Oct2023, UA’s cash reward is the highest among the major financial companies in Hong Kong.

* New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.

United Asia Finance Limited reserves the right to make final decision on loan approval.

Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2681 8888

Money Lender’s Licence No.: 0931/2023

 

UA "NO SHOW" Personal Loan
Period: 3-60 months
Max APR: 36%

UA Civil Servants and Professionals Express Loan
  • 【UA rewards you the Best-in-town+ offer!】Cash Reward up to $18,000^ for all new and existing customers*!
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
100
Max loan amount
  • APR as low as 1.38% with flexible repayment terms: 6 - 60 months
  • Instant cash transfer by FPS**

Civil Servants and Professionals Express Loan

  • From now until May 31, 2024, cash reward up to $18,000^ for all new and existing customers* upon successful loan application and drawdown!
  • APR as low as 1.38% with flexible repayment terms: 6 - 60 months
  • Apply online anytime anywhere, no face-to-face contact is required
  • Instant cash transfer by FPS**

UA ROUND-TRIP TICKETS FOR TWO TO EUROPE GIVEAWAY CAMPAIGN
From 30 May 2024 to 15 July 2024, Eligible Customers must complete the designated missions within the designated period in accordance with these Terms and Conditions to stand a chance to win one set of round-trip direct economy class flight ticket for two adults to Europe.

Civil Servants and Professionals include but not limited to civil servants, doctors, nurses, dentists, pharmacists, lawyers, accountants, engineers, actuaries, teachers, social workers, professionals with professional licenses or certifications, and any staff employed by public sector/ quasi-government corporations, Airport Authority and Hospital Authority. (UA reserves the final right of interpretation on the definition of professionals)
 

** Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-5:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

+ As of Oct2023, UA’s cash reward is the highest among the major financial companies in Hong Kong.

* New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.


United Asia Finance Limited reserves the right to make final decision on loan approval.

Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2681 8888

Money Lender’s Licence No.: 0931/2023

 

UA Civil Servants and Professionals Express Loan

Period: 3 months - 60 months 

Max APR: 36%

【Hot】UA i-Money Internet Personal Loan
  • 【UA rewards you the Best-in-town+ offer!】Cash Reward up to $18,000^ for all new and existing customers*!
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
100
Max loan amount
  • Instant cash transfer by FPS**
  • 【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

i-Money Internet Personal Loan

  • From now until May 31, 2024, cash reward up to $18,000^ for all new and existing customers* upon successful loan application and drawdown!
  • Instant cash transfer by FPS**
  • 【Property Owner Exclusive】No property deed required, large loan amount up to $1,000,000 for flexible cash out

UA ROUND-TRIP TICKETS FOR TWO TO EUROPE GIVEAWAY CAMPAIGN
From 30 May 2024 to 15 July 2024, Eligible Customers must complete the designated missions within the designated period in accordance with these Terms and Conditions to stand a chance to win one set of round-trip direct economy class flight ticket for two adults to Europe.

** Loan approval and electronic transfer service is available from Monday to Friday (9:00am-6:30pm), Saturday (9:00am-5:30pm) and except Sunday and public holidays. The actual date of transfer is subject to the transfer servicing hours of each individual bank.

+ As of Oct2023, UA’s cash reward is the highest among the major financial companies in Hong Kong.

* New and existing customers refer to the customers who have not any loan transaction with the Company in the past 24 months from the date of application. For e-Cash Revolving Loan applicants who open account, before Personal Instalment Loan application, within the Promotion Period is granted for exemption to entitle the above reward.

^ Cash Reward Offer is subject to terms and conditions. For details, please click here.

United Asia Finance Limited reserves the right to make final decision on loan approval.

Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2681 8888

Money Lender’s Licence No.: 0931/2023

 

UA i-Money Internet Personal Loan

Period: 3 months-60 months

Max APR: 36%

PrimeCredit Fixed Instalment Loan
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
80
Max loan amount
  • Online instant approval and 24x7 loan disbursement
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
  • [Instant approval and withdrawal] Online instant approval and 24x7 loan disbursement
  • [Urgency] No income proof is required
  • [No extra fee] No handling fee, no early settlement fee
  • [Low interest rates] Repayment terms up to 72 months
  • [Special Offer] From 1 May 2024 to 31 July 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
  • Only applicable to eligible customers. For more loan and offer details, please visit PrimeCredit's website
  • All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
  • Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 759/2023

 

PrimeCredit Fixed Instalment Loan

Period: 6-72 months

Max APR: 48%

PrimeCredit Balance Transfer Loan
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
80
Max loan amount
  • Can save up to 98% interest, make monthly repayment 50% less
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
  • [Professional analysis] PrimeCredit Balance Transfer Analyst provides professional analysis on your current card and loan indebtedness, and tailor-make the most interest saving and fastest repayment plan according to your needs
  • [Save!] Can save up to 98% interest, make monthly repayment 50% less and repayment period 25 years shorter
  • [No extra fee] No handling fee, no early settlement fee
  • Repayment terms up to 72 months
  • Online application with instant approval result
  • [Special Offer] From 1 May 2024 to 31 July 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
  • For more loan and offer details, please visit PrimeCredit's website
  • All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
  • Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 759/2023

 

PrimeCredit Balance Transfer Loan
Period: 6-72 months
Max APR: 48%

PrimeCredit Property Owner's Personal Loan
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
120
Max loan amount
  • No mortgage, monthly flat rate as low as 0.1%
  • Up to HK$12,000 Cash Bonus will be rewarded upon successful application and drawdown
  • [High Loan Amount] Property owner can enjoy higher loan amount than a personal loan, loan amount up to HK$1,200,000
  • [Low interest rates & Extra long repayment period] Monthly flat rate as low as 0.1%, and repayment terms up to 84 months
  • [Express approval] Approval result can be received as fast as within 1 hour
  • [Simplicity deed waiver] Property deeds are not required. The whole loan procedure is processed through branch
  • [No limitations on property types] No matter if your property is a private estate, apartment or public housing or if it is self-occupied or leased; as long as you are the owner of the property, you are eligible to apply
  • [No extra fee] No handling fee, no early settlement fee
  • [Special Offer] From 1 May 2024 to 31 July 2024 (both dates inclusive), up to HK$12,000 cash bonus will be rewarded upon successful application and drawdown
  • For more loan and offer details, please visit PrimeCredit's website
  • All examples and information of interest rate are for reference only, and final approval is subject to actual circumstances of individual personal loan applicant
  • Warning: You have to repay your loans. Don't pay any intermediaries

Enquiry and Complaint Hotline: 2111 2999

Money Lender's Licence No.: 759/2023

 

PrimeCredit Property Owner's Personal Loan
Period: 12-84 months
Max APR: 48%
 

X Cash.AI
  • 【X Cash.AI Welcome Offer】Receive $200 X Pay e-Cash Coupon + $800 Maxim's Gift e-Coupon
%
Interest rate
Monthly flat rate:
$
Total repayment
$
Monthly repayment
$
每月最低還款額
$
每日利息
10
Max loan amount
  • Use promo code “MR1000” to win HK$200 X Pay E-cash Voucher

X Cash.AI Welcome Offer】Receive $200 X Pay e-Cash Coupon + $800 Maxim's Gift e-Coupon

Promotion Code: MR1000
Promotion Period: From 1 Mar 2024 to 4 June 2024

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Promotion Detail:

(1)    Eligible new customers who successfully apply for X Cash.AI for the first time, entering the promotion code “MR1000” during the application process, regardless of the application is approved or not, he/she can obtain HK$200X Pay E-cash Voucher.

(2)    Eligible new customers who successfully apply for X Cash.AI (for the first time with an approved loan amount of HK$20,000 or above, will entitle for: Maxim’s Gift e-Coupon $800

The loan account must be in normal and active status (overdue, write-off, and frozen are all regarded as abnormal accounts), and the daily loan balance needs to maintain 50% or above within 90 days upon loan contract confirmation day to entitle Maxim’s Gift e-Coupon $800.

(3)    Examples for cash rebates:
New customers who confirmed the loan contract on 1st March 2024 to 30th May 2024 will be the 90th day upon the loan contract confirmation day

ExamplesApproved Loan AmountAccount Status from 1st March 2024 to 30th  May 2024Daily loan balance from 1st March 2024 to 30th  May 2024Cash Rebate
1HK$10,000ActiveHK$3,000HK$200 X Pay E-cash Voucher
2HK$20,000ActiveHK$10,000HK$200 X Pay E-cash Voucher + 
Maxim's Gift e-Coupon $800
3HK$30,000ActiveHK$15,000HK$200 X Pay E-cash Voucher + 
Maxim's Gift e-Coupon $800

 

  • To enjoy the promotional offer, the above promotion code “MR1000” must be entered during the loan application, and no subsequent supplements or changes will be accepted.
  • X Pay E-cash Voucher will be issued 30 days after the last day of the month from the day of successful application. The promo code will be issued automatically to X Wallet and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
  • The Maxim’s Gift e-Coupon $800 will be automatically credited to the X Wallet ” Rewards” wallet 90 days after the last day of the month in which the loan agreement is confirmed and will have an in-app message to notify eligible customers about the completion of the rewards distribution.
  • To withdraw the rewards, customers can login to X Wallet, click on “Bank Details” on the ” Rewards” page and fill in your Hong Kong bank account details. The rewards will be credited to the designated Hong Kong bank account in about two working days (public holidays or Saturdays and Sundays are not considered as working days).

TERMS AND CONDITIONS:

  1. This promotional offer (the “Promotion”) is valid from 1 March 2024 to 4 June 2024, both dates inclusive (the “Promotion Period”).
  2. Eligible new customers who successfully apply for X Cash.AI for the first time, regardless of whether the loan successfully approved or not, they are entitled to receive a $200 X Pay E-cash Voucher. This offer is not applicable to new customers who have applied for X Cash.AI loan within the past 12 months (i.e. 1 March 2023 onwards) of this promotion.
  3. The promotion is only applicable to new eligible customers who successfully apply and confirm the X Cash.AI loan contract for the first time during the promotion period, with a loan amount of HK$20,000 or more, where customers who do not have a loan account within 12 months from the date of confirmation of the loan contract.
  4. “New customer” refers to those who are not holding X Wallet loan account in past 12 months from the date of confirming the loan contract.
  5. To enjoy the promotion, the promotion code “MR1000” must be entered during the loan application process, and no subsequent supplements or changes will be accepted.
  6. Use of the X Pay E-cash Voucher is subject to terms and conditions. For E-cash Voucher Terms and Conditions of the service, please refer to https://zero-xpay.com/
  7. Use of the Maxim’s Gift e-Coupon $800 is subject to terms and conditions. For e-voucher Terms and Conditions of the service, please refer to https://www.maximsproducts.com.hk/tc/tnc.
  8. New customers who successfully apply for X Cash.AI for the first time with approved loan amount of HK$20,000 or above, and the daily loan balance need to maintain 50% or above within 90 days upon loan contract confirmation day to entitle Maxim’s Gift e-Coupon $800 rebate. Refer to Promotion Details section with Examples as above.
  9. The time for submitting loan applications is subject to the computer records of Zero Finance Hong Kong Limited (the company). Late applications will not be accepted.
  10. Customer will only entitle this offer once during the promotion period. The offer cannot be used in conjunction with other promotion offers.
  11. X Wallet will be deemed to have waived its liability when the coupon code rewards are credited to X Wallet account. 
  12. The offer is neither transferable, cancellable nor returnable. The Company reserves the right to replace the E-cash Voucher with another of equal value without prior notice. The Company is not the supplier of the voucher and is not responsible for the voucher. The supplier is solely responsible for any liability in relation to the voucher. If you have any queries, comments or complaints regarding the voucher, please contact the supplier directly.
  13. The company reserves the right to verify the customers’ identity. Customers will be disqualified from the offer without prior notice if the personal information provided is found to be unknown, unclear or missing and unable to contact the customers or verify the customer’s identity.
  14. All the personal information collected will follow the personal data privacy policies of the company.
  15. The company will not accept any liability for any problems due to computer, network, telephone, and other technical issues which cause the customer to delay or miss for submitting an application. The customers cannot make any legal action or investigation to the company.
  16. The company reserves the right to amend the terms and conditions of this offer or stop this loan promotion program at any time without prior notice. Any matter or dispute regarding the offer or the terms and conditions, the company reserves the right of final decision.
  17. The company reserves the right to disqualify the eligibility of the customers and withdraw the rewards if the personal information provided is found to be fake or any actions breach of the terms and conditions.
  18. By participating in the offer, each customer agrees to be bounded by these terms and conditions. The company reserves the rights to disqualify the eligibility of customers, and withdraw the offer and to proceed legal action, if any breach of terms and conditions.
  19. If the customer closes, cancels or settle his/her X Cash.AI loan account before the reward is issued, all rewards will be cancelled immediately.

If there is any inconsistency or ambiguity between the English version and the Chinese version, Chinese version shall prevail. In case of any dispute, the company reserves the right of final decision.

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*Sept 1 - 15, 2021 figure

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