 |
Loan amount of up to 95%(1) of appraised
property value with an easily affordable 5% down
payment to help you accomplish your home-owning
dream. |
|
Offers a choice of "Top Up" Mortgage or "Mortgage
Insurance Programme" Loan to meet your different
needs:
“Top
Up” Mortgage |
“Mortgage
Insurance Programme” Loan |
| - |
Consists of two
mortgage loans, a first mortgage
of 70% and a second mortgage
of up to 25% of the appraised
property value. |
| - |
One-stop approval service
by Hang Seng Bank. |
| - |
Applicable to self-use private
residential properties under
personal or shelf company ownership. |
|
| Self-owned Property |
| - |
Applicable to self-use private residential properties under personal ownership. |
| - |
A single mortgage loan. |
| - |
Loan amount of up to 95% of the appraised property value. |
|
| The above Mortgage Insurance Programme loans are subject to the approval of The Hong Kong Mortgage Corporation Limited. |
|
|
|
|
The upfront
fee (for "Top Up" Mortgage)/ insurance
premium (for "Mortgage Insurance Programme" Loan)
can be borrowed along with the mortgage loan in
one lump sum. |
| We
also offer you a series of special privileges
for our comprehensive banking services(2): |
Service |
Privileges |
Fire
Protection Plan
|
First
year premium waiver(3) |
Home
Care Plan |
Six-month
premium waiver(4) |
Credit
Card |
Annual
fee waiver during mortgage loan tenor |
| (1) |
For "Top Up" Mortgage, the maximum second mortgage loan amount is HKD2,660,000 for loan-to-valuation ratio less than 90%. Based on 95% loan-to-valuation ratio, the total loan amount of the first and second mortgages is up to HKD12,000,000. For "Mortgage Insurance Programme" Loan, the maximum loan amount is up to HKD12,000,000. Actual loan amount is subject to final approval. |
| (2) |
The privileges are subject to such
requirements and terms and conditions as prescribed
by Hang Seng Bank Limited. Please contact our
staff for details. |
| (3) |
Only applicable to fire protection
plan insured with Hang Seng General Insurance (Hong Kong) Company Limited. |
| (4) |
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. |
|
Mortgage
