Financial FAQs


How can I get a cash out with a Title Deed?

You can get a cash out with a Title Deed by applying our First Mortgage Loan with no limitation on the age of the property.

Can I apply for a Second Mortgage Loan with Victory Finance if I have already taken a First Mortgage Loan with another financial institution?

If you have taken a First Mortgage Loan with another financial institution, you can still apply for the Second Mortgage Loan with Victory Finance.

How long does it take for a Property Loan application to process?

Normally, it takes two working days.

Do I need to pay for the legal fee for Victory Finance Property Loan application?

Yes.

What kinds of property does Victory Finance accept for applying Property Loan?

Victory Finance accepts properties from residential, industrial and commercial office, shop, car park to all kinds of village house including indigenous resident housing with no limit on the age of the properties.

What documents are required for applying Property Loan?

•Hong Kong Identity Card •Provisional Agreement for Sales and Purchase (applicable for First Mortgage Loan only) •The latest mortgage repayment schedule (if any) •Income proof •Employment proof •The latest Rates and/or Government Rent Demand Note

Can I apply for a Property Loan if I have no income proof but a property of my own?

Yes. We will make an exemption for the applicant subject to individual cases.

How can I get a valuation for my property?

You can get a free property valuation service from our website or contact our Customer Services Hotline at 3426 9376

http://www.hsbc.com.hk/1/2/chinese/hk/mortgages/valuation?pwscmd=cmd_init

Any handling fee or penalty fee will be charged if early settlement is made?

Yes, handling fee or penalty fee will be charged if early settlement is made.v

Can I put the property for sale during the repayment period?

Yes, penalty fee will be charged if early settlement is made.

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