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Mortgage Loans for Government Housing Schemes

 
Government Home Ownership Scheme(1)
Up to 95% of loan amount of the purchase price
Repayment period of up to 25 years
No fee on full redemption

Tenant Purchase Scheme
The loan amount of up to 100% of the appraised property value(2) with repayment period of up to 25 years
No prepayment handling fee or full redemption fee

Urban Renewal Home Bridging Loan
Loan amount of up to 90% of the remaining sale proceeds from the URA and HS, with a minimum loan amount of HKD200,000.
Loan tenor of up to one year or until the remaining sale proceeds are received, whichever is earlier.
Only interest repayment is required during the loan tenor. The principal shall be repaid in one lump sum upon loan maturity.

We also offer you a series of special privileges for our comprehensive banking services(3):
 Service
 Privileges
Fire Protection Plan
 First year premium waiver(4)
Home Care Plan
 Six-month premium waiver(5)
Credit Card
 Annual fee waiver during mortgage loan tenor

(1) Promotional period of privileged offers is valid until 31 March 2010 (based on the submission date of mortgage application) and the mortgage loan must be drawn down on or before 30 April 2010. The picture of the “God of Wealth” Ornament is for reference only. Gift cannot be exchanged for cash or any other gift. Gift is available while stock lasts. In case the gift is out of stock, Hang Seng Bank Limited (“the Bank”) reserves the right to replace the gift with other gift. · Up to 95% loan-to-valuation ratio for Green Form applicants; up to 90% loan-to-valuation ratio for White Form applicants. · Secondary market properties under Government Home Ownership Scheme (GHOS) refer to properties under GHOS without payment of a premium to the Housing Authority. ·The above promotion is only applicable to new purchase under GHOS and not applicable to further charge, re-mortgage or transfer mortgage. · The Bank may accept or reject any applications at its own discretion. All promotion privileges are subject to every successful mortgage application. · This offer cannot be used in conjunction with other mortgage promotional offers. · The Bank reserves the right to terminate the above offers at any time or vary the same and the related terms and conditions from time to time. In case of any disputes, the decision of the Bank shall be final. For details, please contact Hang Seng Bank branch staff for enquiries.
(2) Excluding the deposit / Intention Money paid to the Hong Kong Housing Authority.
(3) The privileges are subject to such requirements and terms and conditions as prescribed by the Bank. Please contact our staff for details.
(4) Only applicable to fire protection plan insured with Hang Seng General Insurance (Hong Kong) Company Limited.
(5) Offers cannot be used in conjunction with other promotion offers and only applicable to properties accepted by Hang Seng General Insurance (Hong Kong) Company Limited and for Home Care Plan (Plan A) offered by Hang Seng General Insurance (Hong Kong) Company Limited.

The above information is for reference only. Please contact our staff for full details of the related terms and conditions.
 
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