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PRODUCTS

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FIRST MORTGAGE

HY Credit offers you a first mortgage up to 85% of the property value. Regardless of age, property type, and even PA cases, HY Credit also accepts the application. With no limitation on the loan amount, we can offer more than 10M first mortgage at any time. Application procedure is simple, without complicated documents, and more flexible than banks. Preliminary approval will be provided in 8 minutes* and, possibly, cash will be disbursed in 3 hours*.
*Subject to final approval

Moreover, HY Credit understands your needs, and may offer you a flexible repayment scheme. Depending on your need, you may choose installment, or interest only repayment scheme.

 

Required documents

> Mortgage Table               > Rates Table               > Repayment records

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SECOND MORTGAGE

HY Credit will offer you a second mortgages without providing the deed, the total loan amount is up to 80% of the property value. Regardless of age, property type, and even PA cases, HY Credit also accepts the application. With no limitation on the loan amount, we can offer more than 10M second mortgage at any time. Application procedure is simple, without complicated documents, more flexible than banks. Preliminary approval will be provided in 8 minutes* and, possibly, cash will be disbursed in 3 hours*.
*Subject to final approval

Moreover, HY Credit understands your needs, and may offer you a flexible repayment scheme. Depending on your need, you may choose installment, or interest only repayment scheme.

Required documents
>Mortgage Table               >Rates Table               >Repayment records

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HOUSE OWNERS SPECIAL LOANS

HY Credit offers a mega loan to a landlord under Home Ownership Scheme and Tenants Purchase Scheme, without premium. The loan amount is extra large, and absolutely fit your needs. Application procedure is simple, without complicated documents. Preliminary approval will be provided in 8 minutes* and, possibly, cash will be disbursed in 3 hours*.
*Subject to final approval

Moreover, HY Credit understands your needs, and may offer you a flexible repayment scheme. Depending on your need, you may choose installment, or interest only repayment scheme.

Required documents

>Address proof within 3 months  >Income proof within 3 months >Bank payroll records within 3 months
>Mortgage Table >Rates Table >Repayment records

 

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PERSONAL LOANS

HY Credit offers you a personal loan without collateral. Application procedure is simple, without complicated documentation. It is suitable to a person who needs short-term cash flow. Possibly, cash will be disbursed in 2 hours*. Repayment scheme is flexible, including installment and interest only repayment scheme.
*Subject to final approval

Required documents
>Address proof within 3 months               >Income proof within 3 months               >Bank payroll records within 3 months

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DEBT CONSOLIDATION LOAN

Debt Consolidation Loan can help you pay off credit cards, clear the debt and provide cash for your short-term liquidity need!

  Debt Consolidation Loan

  •   Loan amount up to 21 times monthly salary
  •   Cash withdraw up to 6 times monthly salary(1), solving your   urgent cash flow problems
  •   Repayment period up to 120 months(2)

  Promotions

  • Making the application with relatives enables you to enjoy 3% less interest rate(3)
  • Successfully applying online helps you get extra HK$100 cash reward
  • Download mobile app HY Credit on Apple App Store and Google Play Store for free at any time

Final approval of interest rate, loan amount and repayment period depends on clients’ individual financial situations.

HY Credit Company Ltd. (“we”) Final approval rights reserved.

Above mentioned promotions are bound by terms, conditions and policies


 

Policies and terms
(1) Cash withdraw up to 6 times monthly salary is part of the approved total loan amount, and it is not required to pay off credit cards or clear private debt. We reserve the approval rights of cash withdraw.
(2) Repayment periods range from 6 months to 120 months.
(3) 3% less than the initial approved interest rate. For example, the initial approved interest rate is 22%, if your relatives and you apply for the same Debt Consolidation Loan, then you can get interest rate at 19%.

Note: According to Money Lenders Ordinance, the annual interest rate cannot exceed 60%.

Typical case: Given 20% interest rate and loan amount HK$5000, the monthly repayment is HK$883 for 6 months repayment period.