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Applying for a mortgage through a lending company, you can enjoy a higher loan-to-value (LTV) ratio and faster and simpler application procedure. Lenders who are not eligible to apply mortgage through a bank, such as self-employed persons, and persons who have no income proof or have non-regular income, may try to apply for a home loan through a lending company. Besides, lending companies usually accept various types of properties, including single block buildings, tenements, village houses, etc.
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All residents of Hong Kong (not necessarily permanent residents) of over 18 years of age are eligible and qualified to apply for a mortgage. Applicants who are not permanent residents, however, are generally required to prove that they have a stable income in Hong Kong. They are often required to provide present identification documents, income proof, and tax documents as part of the application.
Other fees you might need to pay for your mortgage are as follows:
  • Estate agent commission
  • Solicitor's Fees/Legal Fees
  • Land Registry Fee and Search of Land Records Supplying Fee
  • Stamp duties
Mortgages are typically paid for in a minimum of 5 years, and up to a maximum of 30 years. The duration would depend on the terms of your contract.
MoneyHero.com.hk is not a mortgage referral company. We do not provide mortgage referral or consulting services. All the information pertaining to mortgage plans has been made publicly available by banks and financial institutions.

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