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Product Features
CreFIT Cash Loan offer a high-value loan solution for property owners, turning the value of the property into cash for immediate use
Larger Loan Amount & Longer Tenor
Large funding needs cannot be met with short-term repayment periods. The Property Owner Loan provides a much higher credit limit than Cash Loan with a maximum repayment tenor of up to 60 months
No Registration & No Collateral of Property Deeds
No need to place the property under collateral and no registration in the Land Registry. No restrication to re-mortgage or sell the property in the future
One Applicant for Jointly-Owned Property
Even if the property is held jointly by more than one person, as long as you are an owner holding part of the beneficial interest, you can apply for the loan independently. The process requires no consent, guarantee, or signatures from other co-owners, which means both your application and approval are handled in your personal name
Waiver of All Fees
From application submission to loan disbursement, there are no charges throughout the process. No handling fee, legal fee, or valuation fee
Apply in Three Steps
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Mr. Wong
46 | Owner of a Small Renovation Company
Mr. Wong and his wife jointly own a property. Due to the developer’s delay in releasing progress payments, the company’s cash flow was interrupted. Mr. Wong needed to pay salaries and materials expenses while also servicing the mortgage, which made his situation became extremely difficult.
Mr. Wong did not want to involve his wife. After being introduced by a friend, he applied for the Property Owner Loan of CreFIT Cash Loan. With no mortgage required and no Land Registry registration, he applied using the jointly-owned property in his personal name. Approval was granted within 24 hours, and the loan was disbursed immediately. It helped resolve the cash shortfall on the spot and he was able to repay with much lighter monthly installments with a repayment tenor of up to 60 months.
Mr. Lau
39 | Bus Driver
The Lau family lives in a HOS flat (with no premium paid). Recently, Mr. Lau’s wife suddenly fell ill and required emergency surgery and long-term recovery,leading to the increase of medical expenses significantly. At the same time, Mr. Lau had to take leave to take care of his wife, which reduced his income and placed a heavy burden on both mortgage repayments and living expenses.
Mr. Lau approached many banks and financial institutions, and was informed that the non-premium HOS flat could not be re-mortgaged or pledged for additional loans. Later, after learning about the Property Owner Loan of CreFIT Cash Loan online, he submitted an application and was approved for HK$500,000. The loan amount was immediately disbursed, instantly addressing the urgent need for medical expenses and daily living costs.
