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Please read the following terms before loan application:
(1)Loan application is subject to detailed terms and conditions which may be obtained upon enquiry.
(2)Eligible customers for particular loan products will not be required to pay any administration fees and handling charges, and all legal costs to prepare the Mortgage or Second Mortgage will be paid by the Company. Other customers who are not eligible or suitable for a particular loan product being applied for may be referred or recommended to apply for other loan products for which customers are free to make their own final choice and will be bound by different terms and conditions, including terms requiring payment of legal costs, administration fees and/or handling charges.
(3)Customers are advised to seek their own independent legal advice whenever they deem it necessary.

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Key Facts Statement for Second Mortgage Instalment Loan:
1.
The minimum and maximum repayment period is 6 months and 84 months respectively.
2.
The annual percentage rate ranges from 9.6% to 24%.
3.
A representative example of total cost for a loan below is for reference only:
- Loan amount: HK$500,000
- Monthly instalment of HK$87,763 for 6 months
- Annual percentage rate: 18%
- Total repayment amount: HK$526,578