We accept properties of all kinds, including residential, industrial and commercial units, retail shops, car parks, village houses, indigenous resident housing and properties under the Home Ownership Scheme with paid land premium.
Yes, individuals of any nationalities can apply for our mortgage services as long as you are a property owner in Hong Kong.
Under normal circumstances, we accept mortgage applications after five years from the transfer of ownership by Deed of Gift.
There are two types of joint ownership, ”Joint Tenancy” and “Tenancy in Common”.
For “Joint Tenancy”, if one of the owners deceased, his/her ownership of the property will be passed on to the other surviving joint owner(s).
For “Tenancy in Common” (also known as “50-50”), the ownership of the property is divided into an agreed shares among all owners. If one of the owners deceased, his/her share(s) of the property will become part of the deceased owner's estate.
No, if the property is owned by two or more people, it is necessary for all owners to give their signature consent for making mortgage application.
Yes, we welcome applications for second mortgage loan.
Preamble provides free property valuation service. Please contact us at 2784 6262.
The applicant must be a property owner aged 18 or above.
- Identity proof
- The latest rates, management bill and/or government rent demand note
- Provisional agreement for sales and purchase (if applicable)
- The latest mortgage repayment schedule (if applicable)
There will be no handling fee or penalty for early settlement.
Yes, there will be no handling fee or penalty.
Yes, to ensure high quality and reliable mortgage services, we will entrust sizable law firms to handle the mortgage lending procedures.
Yes, after full settlement, we will inform you of the arrangement of the discharge of mortgage as soon as applicable.
