Which Homeowner Loan is Best? Get a flexible, low-interest Homeowner Loan from Tiptop Credit! No collateral required and land registry registration, its helps avoid bank call loans and keep your low initial mortgage rate as well. Whatever access cash for short-term needs or investment, Apply now and let us help you achieve your financial goals!
Benefits of an Unsecured Homeowner Loan
Is an Unsecured Homeowner Loan Right for Me?
Privacy & Flexibility:
Your Home Loan, Your Terms Keep your home off Land Registry searches with Tiptop, private loan structure gives you more flexibility and control. Enjoy all the benefits without collateral worries.
Substantial Loan Amounts
Tiptop Credit's unsecured homeowner loan provides borrowers with larger loan amounts compared to personal loans. Whether it is a rental property or a self-occupied residential property, borrowers can qualify for loan amounts of up to HKD 1.5 million.
Partial ownership stake
Homeowners with at least 1/3 ownership stake qualify for the loan, free up your equity!
APR &
Repayment Period
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$101,628
Repayment
The fixed repayment period ranges from a minimum of 60 days to a maximum of 120 months, allowing for installment payments. The loan application process is simple and convenient. It can be completed online or through the dedicated app. Expert personnel are available for phone approval, followed by signing the loan agreement at a branch and funds disbursement via FPS (Faster Payment System). This helps to save time in the application process and promptly addresses your need for a significant amount of funds.
Skip Land Registry & collateral
Tiptop Credit’s Unsecured Homeowner Loan stands out as an excellent choice. With this loan, you have the option to avoid property registration and collateral requirements, eliminating the risk of bank call loans and high interest rates.
Tiptop's homeowner video
Presenting " Loans & Borrowing" series by Dr. Wong Hon Keung, each episode lasting 3-4 minutes, aiming to educate the public about different loans & borrowing information. These videos teach viewers to understand the pros and cons of loans, decipher loan advertising language, and gain knowledge about borrowing and lending, all while fulfilling our social responsibility.
For valuable insights on Unsecured Homeowner Loan, watch the "Loans & Borrowing" videos below and please click the link to learn more:
按揭及業主貸款可選擇抵押或不抵押 無懼銀行Call Loan
To apply for a Unsecured Homeowner Loan, please visit our website, visit a branch in person, call our customer service manager at 2912 7999, or inquire through WhatsApp at 93307177.
Our company reserves the right to make the final decision on loan interest rates and amounts, subject to the relevant terms and conditions.
Apply Now
Loan Calculator
Close
HK$
months
%
- The loan amount should be between $5,000 and $1,000,000.
- The monthly installment calculation is for reference purposes only.
- Our company reserves the right to determine the final approval of the loan interest and amount, subject to applicable terms and conditions.
Monthly repaymentHK$856
Loan Calculator
Loan Calculator
HK$
months
%
- The loan amount should be between $5,000 and $1,000,000.
- The monthly installment calculation is for reference purposes only.
- Our company reserves the right to determine the final approval of the loan interest and amount, subject to applicable terms and conditions.
Monthly repaymentHK$856
