Property Owner Loan

Unlock Your Property Potential

Property Owner's Loan

Co-Owned or Sole-Owned Are Applicable

No Title Deed , No Collateral Required

Collateral free

No Land Department Registration

Simple and quick procedures

Co-Owned or Sole-Owned Are Applicable

No other party owner's notification needed

No Effect on Other Mortgages

Ensure freedom from mortgage recall by banks

Higher Loan Amount

Get higher loan amounts than a personal loan

Quick Cash within 24hr

Fully cash out the property value

Property Owner Loan

When Banks say no

We say GO！

Leveraging Your Home Equity: An Overview of Loan Options and Benefits

If you’re a property owner in Hong Kong, you might consider leveraging your home equity to access funds. Below are some of the common loan options you can look into and their advantages:

Home Equity Loan - Popular choice among home equity lenders
- Allows you to borrow against the value of your home
- Can be ideal for financing major expenses or consolidating high-interest debts
Property Owner’s Loan - Uses your property as collateral
- Provides the lender with security
- Often results in lower interest rates compared to unsecured loans
Bridging Loan - Ideal for those needing short-term funding
- Bridging finance provides temporary funding until permanent financing is secured or the underlying obligation is removed
- Can be particularly useful in real estate transactions where timing is critical

Whether you’re looking for a property owner loan or exploring different equity loan options, understanding the various financial products available can help you make informed decisions. Always compare offers from multiple home equity lenders to ensure you get the best terms for your needs.

What is a Homeowner Loan?

A homeowner loan, also known as a secured loan, is a type of loan where the borrower uses their property as collateral. This type of loan is typically used for significant expenses such as home improvements, debt consolidation, or other large financial needs. Homeowner loans can offer lower interest rates compared to unsecured loans because the lender has the security of the property. If the borrower fails to repay the loan, the lender can repossess the property to recover the owed money.

Who are we?

About Credit KO

Credit KO aims to break the boundaries of traditional loans and revolutionize loan services in Hong Kong. We offer a wide range of online personal loan products, including home equity loans, to cater to the needs of the new generation. Our goal is to provide quick solutions for all types of borrowing and financial needs, ensuring the most flexible, efficient, personalized, and customer-friendly loan options and professional service experience.

Credit KO

KO your loan matters

Your Ideal Partner in Property Owner Loans

Credit KO's homeowner loan doesn't require registration with the Land Department, allowing you to get instant cash without the need for property deeds. Cash out the value of your property and use it to pay off high-interest debts or meet short-term cash needs. Whether you need a bridging loan for urgent expenses or bridging finance to cover temporary financial gaps, we can help. Contact our loan specialists now to tailor your loan plan.

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Maximum Mortgage Amount $20M

Free lawyer fee , Free valuation fee

HOS/TPS Home Owners are applicable

No Title Deed , No Collateral Required

Long Tenor Period

Up to 120 months

Lower Interest Rate than Personal Loan

Annual interest rates starting as low as 12%

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PROPERTY
Transforming Destiny

Flexible cash-out options

We strive to get you the highest property valuation, along with the most favorable mortgage interest rates and rewards, making it easy for you to apply for a property loan.

Unlock the Value of Your Property

Get quick access to the funds you need

No Restrictions on Property Type

Private buildings, public housing, village houses, shops, commercial spaces

Co-Owned Properties Welcome

Co-owned or sole-owned, we've got you covered

Just 4 Simple Steps
to Unlock Your Property's Potential!

Fill in the Mortgage Application Form

Just a few simple steps to fill in your property information and apply for an equity loan or property owner’s loan.

1

Upload the docouments

Upload your property's loan agreement or mortgage contract, and let us handle the rest.

2

Fast Home Loan Approval

We will notify you via WhatsApp with the detailed approval information in as little as 15 minutes.

3

Sign the Mortgage Aggrement in the Law Firm

Arrange an appointment with the attorney on the same day to process the relevant equity or property owner’s loan documents.

4

Property Mortgage Client Reviews

Low interest rates and high efficiency, Credit KO Mortgage Loans made it easy for me to achieve my property dreams!
John Doe
John DoeCivil Servants
The professional team at Credit KO Mortgage answered my questions in detail, giving me peace of mind!
Patrick Li
Patrick LiInsurance Salesperson
Even with a bad record credit history, I'm grateful that Credit KO gave me the opportunity to apply!
Daisy
DaisyBeauty Consultant
Credit KO Mortgage's customer service is friendly and patient, helping me with all my inquiries!
Mrs. Wong
Mrs. WongHousewife
Stay Ahead with Credit KO, Competitive Rates for Property Mortgages!
Mr. Lo
Mr. LoCEO of Trading Company
Beyond Expectations: Credit KO Financial Transforms Your Finances!
Jenny
JennyUniversity Lecturer
Ease and Reliability: Credit KO Mortgage Simplifies Your Loan Journey!
Mr. Yung
Mr. YungMTR Senior Engineer
Tailored Solutions, Seamless Experience: Credit KO Mortgage Has You Covered!
Mr. Bangka
Mr. BangkaMusic Instrument Teacher
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Learn More?

Fill out the application form below to contact our home equity loan adviser in Hong Kong.

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you might ask

Frequently Asked Questions

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Home equity is the portion of your property that you truly own. It is calculated by subtracting the remaining balance on your mortgage from the current market value of your home. As you pay down your mortgage and as the value of your property appreciates, your home equity increases. Home equity can be a valuable resource, as you can borrow against it through a home equity loan.

A property owner loan, often referred to as a homeowner loan, is a loan secured against the borrower’s property. In contrast, owner financing is a transaction where the seller of a property finances the purchase for the buyer instead of the buyer obtaining a loan from a traditional lender. In owner financing, the buyer makes payments directly to the seller until the agreed-upon purchase price is paid in full.

When applying for a homeowner loan with Credit KO, the procedures and approval conditions are more flexible than those of traditional banks. There is no requirement for stress testing or proof of income, and personal credit checks (TU/TE) are not necessary. Simply provide personal information, property details, and company information to access the loan and meet your financial needs easily. Enjoy the convenience of a quick approval process, with the possibility of approval within 30 minutes. Whether you’re seeking a bridging loan or other types of bridging finance, we have the right solution for you.

The loan amount for property mortgage loans depends on factors such as the customer’s credit rating, income, occupation, and financial condition. Credit KO offers property mortgage loans of up to HK$20 million with no processing fees (including lawyer’s fees and valuation fees). Additionally, the repayment period can be as long as 120 months, providing flexibility and freedom in repayment. Let us assist you in transforming your life through property ownership.

To apply for a Credit KO property mortgage loan, simply follow these four easy steps:

  1. Click Here to fill out the valuation application form.
  2. Upload the required documents.
  3. Receive a quick approval in as little as 15 minutes.
  4. Visit the lawyer’s office to sign the mortgage loan documents.

For Further Inquiry, contact our Loan Specialist

Mortgage Loan Made for You