Renovation Loans

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

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To apply for a Renovation Loan, please visit our website, visit a branch in person, call our customer service manager at 2912 7999, or inquire through WhatsApp at 6186 3803.

Tiptop Credit offers unsecured personal Renovation Loans for homeowners looking to enhance their properties, we offer higher a ceiling of up to HKD$1,500,000, loan tenure up to 120 months. We provide unique advantages specifically designed to suit various renovation situations for private buildings, subsidized sale developments with premium unpaid, village houses, TPS estates. 

Loan for Owner of Public Housing to unlock capital by leveraging the appreciation of your property, we offer higher a ceiling of up to HKD$1,000,000, loan tenure up to 120 months. Assisting you in renovating and beautifying your home, and providing additional private space for your growing children or funding their overseas education. 

Tenants of Public Housing For new public housing tenants, we offer the "Public Housing Loan" with a pre-approved amount of HKD $50,000. As long as you have a provisional letter and temporary tenancy agreement, the renovation funds are already prepared in advance for you. You are eligible to apply for this loan to assist with renovating your new home or for cash flow needs. 

We recommend the "HOS Loan" for new owners of Home Ownership Scheme (HOS) properties. You can enjoy a pre-approved loan amount of HKD $300,000, which doesn't require registration or collateral.

Our MBIS Loan offer enough funding to owners requires to carry out the order of Mandatory Building Inspection Scheme. Focuses primarily on financial assistance in relation to maintenance and repair works to reinstate or improve the safety conditions of their buildings.

Utilize a Revolving Loan to address funding gaps in home renovations, which often encounter budget overruns and unexpected expenses.

A revolving loan functions like a pre-approved loan, serving as a standby cash resource similar to a credit card, with no interest charges until withdrawals are made. It eliminates the need for tedious paperwork and long approval processes, allowing for quick access to funds via a simple phone call or through a loan application app.