{"lang":"en-US","data":{"products":[{"product-name":"Up to 90% LTV Mortgage Insurance Programme","product-description":"Get a mortgage up to 90% of property value with Mortgage Insurance Programme and enjoy a wider choice of properties with only a 10% down payment.","product-url":"https:\/\/www.sc.com\/hk\/mortgages\/home-property-loans\/mortgage-insurance-programme\/","product-image-landscape":"https:\/\/av.sc.com\/hk\/content\/images\/400x400-insurance.jpg","cta-label-primary":"Apply Now","cta-url-primary":"https:\/\/www.sc.com\/hk\/borrow\/mortgage\/apply\/?step=basic_data","promotional-banners":[{"banner-title":"Mortgage Asia Mile Reward","banner-description":"Earn up to 160,000 Asia Miles with HKD 4,000,000 mortgage loan drawdown","banner-image":"https:\/\/av.sc.com\/hk\/content\/images\/mortgage-am-banner-1600x490.jpg","cta":[{"cta-url":"https:\/\/www.sc.com\/hk\/mortgages\/mortgage-asia-miles\/","cta-label":"Learn More"},{"cta-url":"https:\/\/www.sc.com\/hk\/borrow\/mortgage\/apply\/?step=basic_data","cta-label":"Apply Now"},{"cta-url":"https:\/\/av.sc.com\/hk\/content\/docs\/kfs-residential-mortgage-loan.pdf","cta-label":"KEY FACTS STATEMENT"}]}],"related-links-title":"Related Mortgage Services","related-links":[{"related-link-title":"Property Valuation","related-link-image":"https:\/\/av.sc.com\/hk\/content\/images\/Valuation-400x400-150x150.jpg","related-link-url":"https:\/\/www.sc.com\/hk\/mortgages\/buy-home\/search-for-properties\/"},{"related-link-title":"Mortgage Calculators","related-link-image":"https:\/\/av.sc.com\/hk\/content\/images\/mortgagcalculator-400x400-150x150.jpg","related-link-url":"https:\/\/www.sc.com\/hk\/mortgages\/buy-home\/mortgage-assessment-calculators\/"},{"related-link-title":"Current Mortgage Policies","related-link-image":"https:\/\/av.sc.com\/hk\/content\/images\/mortgagcurrent-400x400-150x150.jpg","related-link-url":"https:\/\/www.sc.com\/hk\/mortgages\/buy-home\/must-know-information\/"},{"related-link-title":"Mortgage Tips","related-link-image":"https:\/\/av.sc.com\/hk\/content\/images\/complete-home-buying-process-related-links-150x150.jpg","related-link-url":"https:\/\/www.sc.com\/hk\/mortgages\/buy-home\/complete-home-buying-process\/"},{"related-link-title":"Apply now","related-link-image":"https:\/\/av.sc.com\/hk\/content\/images\/hk-promo-taxloan-link2-400x400-150x150.jpg","related-link-url":"https:\/\/www.sc.com\/hk\/borrow\/mortgage\/apply\/?step=basic_data"}],"product-apply-url":"https:\/\/www.sc.com\/hk\/borrow\/mortgage\/apply\/?","product-code":"MIP","sub-product-code":"Case-by-case","category-name":"Mortgages","category-code":"ML","currency":"HKD","eligibility":[{"age":{"min":"18"},"documents":["A copy of a Hong Kong Permanent Identity Card or a valid passport"," A copy of the Provisional or Formal Agreement for Sale and Purchase"," A completed Mortgage Application form that has been signed by all applicants"," Proof of personal income (please refer to details below) Documents required for a 60% or under mortgage loan application: Regular Salary Earner: A bank passbook\/monthly statement showing salary records for the last 3 months Non-regular Salary Earner: A bank passbook\/monthly statement showing salary records for the last 6 months The latest tax return"," or pay slips (bearing the name of the employer) for the last 6 months; or Proof of employment showing the job title and monthly salary of the applicant Self-employed (state ownership %): A copy of a valid business registration + and A bank passbook\/monthly statement of the applicant and the company showing deposits and withdrawals for the last four months + and The latest annual tax return or audited financial report of the company + and Proof of shares allocation or state on the mortgage application your % of ownership in the company for 2 years Rental Income Earner: A valid lease agreement with a residual term of 6 or more months"]}],"benefits-title":"Benefits List","benefits":[{"summary-title":"Home BonusPack \/ Free Priority \/ 360 reward","description":"Enjoy exclusive banking benefits along with the joy of becoming a homeowner"},{"summary-title":"Free Mortgage Preliminary Assessment Service","description":"Before buying your property, get a free pre-assessment of the loan amount available to you, so you know what you can afford."},{"summary-title":"\"1-Day Mortgage Preliminary Approval\" Service Pledge","description":"Get a quick assessment of your formal mortgage application in just one day."},{"summary-title":"Priority Banking","description":"For loan amount over HKD4 million, you are entitled to join Priority Banking for a series of banking privileges."}],"features-title":"Mortgage Insurance Programme's Features","features":[{"title":"Borrow up to 90% of the property price","data":"First time home buyers can borrower up to 90% of the property price, with a down payment as low as 10% to ease your financial burden"},{"title":"Property Price","data":"Applicable to property price HK$6,000,000 or below"},{"title":"Property Type","data":"Applicable to self-private residential properties under personal ownership"}],"terms-and-conditions-title":"Terms & Conditions","terms-and-conditions":[{"tnc-summary":"Mortgage Facility Terms","tnc-url":"https:\/\/www.sc.com\/hk\/_document\/pdf\/en\/mortgage_facility_terms.pdf"},{"tnc-summary":"Key Facts Statement for Residential Mortgage Loan","tnc-url":"https:\/\/av.sc.com\/hk\/content\/docs\/kfs-residential-mortgage-loan.pdf"},{"tnc-summary":"Service Charges","tnc-url":"https:\/\/av.sc.com\/hk\/content\/docs\/hk-service-charges-en.pdf"}],"loan-amount":[{"min":"Refer Bank","max":"HKD4,800,000","interest-spread":"As low as HIBOR+1.4%, cap P-2% or Prime-2%; choice of HIBOR or Prime Deposit Linked Mortgage","tenor":"Up to 30 years"}]}]}}