Pre-Approved
No Land Registry Registration
Partial Ownership Stake
Cash Coupon Rebate
Ideal solution for self-employed individuals and those with cash income or no income proof, offering quick access to funds for their new home renovation needs.
Pre-Approved
Pre-approved for a $300,000 renovation loan, making your renovation budget more manageable and stress-free!
APR and Repayment
APR
Our effective annual interest rates generally fall between 4.82% and 36%. These rates comply with Section 24.1 of the Money Lenders Ordinance, which mandates that loan interest rates must not exceed an actual interest rate of 48% per annum for the loan amount or offer.
The following loan calculation is provided for reference:
Loan amount: HK$100,000
Repayment term: 12 months
Effective annual interest rate: 4.82%
Total repayment amount: HK$101,628
Repayment Period
The fixed repayment period is a minimum of 60 days and a maximum of 120 months. Income proof is not required, making it open for applications from self-employed individuals, drivers, homemakers, and construction workers.
Online loan application save valuable time and effort by bypassing the need to visit a physical branch in person.
No Land Registry Registration
The loan caters to new owners of the Home Ownership Scheme in Hong Kong and offers several advantages: no collateral requirement, no need for registration at the Land Registry.
Cash Coupon Rebate
Home owners with at least 1/3 ownership stake qualify for the loan and enjoy up to *$1,000 in supermarket vouchers as cashback with our exclusive home owner loan promotion. For valuable insights on Unsecured Home Owner Loan, watch the " Loans & Borrowing " videos below.
To apply for a Unsecured Home Owner Loan, please visit our website, visit a branch in person, call our customer service manager at 2912 7999, or inquire through WhatsApp at 9330 7177.
*Tiptop Credit reserves the final approval rights and is subject to special terms and conditions. The denominations of shopping vouchers may be subject to change, and the minimum loan tenure is 6 months and loan amount up to $100,000.
