Public Housing Loan

Apply using just one identification document, Housing Authority tenancy agreement, proof of address, or proof of pre-allocated rental payment for new public housing tenants. Borrow money conveniently through the online platform, customer service hotline, or WhatsApp for document submission.

Tiptop Credit provides loans for public housing tenants, offering a pre-approved amount of $50,000. No income proof needed, making it accessible for self-employed individuals, drivers, homemakers, and construction workers to apply for cash flow and home repair needs.

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 60 months. Income proof is not required, making it open for applications from self-employed individuals, drivers, homemakers, and construction workers.

15-minute approval after complete document submission. Same-day payment via FPS or cheque upon signing the agreement. Flexible and convenient financial management, ensuring funds are readily available.

Loan Amt.          Cash Coupon Rebate

$5,000-$9,999         $100

$20,000-$29,999        $200

$30,000-$39,999        $300

$40,000-$49,999        $400

$50,000 or above       $500

For valuable insights on Public Housing Loan, watch the " Loans & Borrowing" videos below. 

后山邨公屋戶主入伙大禮

To apply for a Public Housing Loan, please visit our website, visit a branch in person, call our customer service manager at 288 77 200, or inquire through WhatsApp at 6186 3803.