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Enables small-to-medium enterprises to purchase residential, commercial & industrial properties or to re-finance

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Enables small-to-medium enterprises to purchase residential, commercial & industrial properties or to re-finance

Business Mortgage

Comprehensive mortgage solutions to facilitate your property acquisition or refinancing

BusinessOne

  • Deposit into the BusinessOne current account to enjoy the same interest rate as your mortgage loan
  • Interest earned from your deposits can offset the mortgage loan outstanding principal, so your total mortgage interests will be reduced
  • Deposit or withdraw funds from your BusinessOne Current Account at any time
  • Deposits in BusinessOne current account are qualified for protection under the Deposit Protection Scheme in Hong Kong up to HKD500,000 per depositor

Eligibility & Documents

Eligibility

  • Sole Proprietorship/Partnership/Limited Companies registered in Hong Kong
  • Minimum 3 years of business operations

Documents

  • General

    1. Copy of Business Registration Certificate
    2. Latest 6 months bank statements
    3. Audited Financial Statement OR Profit Tax Demand Note of latest financial year
    4. Copy of Sales & Purchase Agreement (if applicable)
    5. Repayment schedule of proposed property (applicable to HEP)
    6. Tenancy Agreement (if applicable)
    7. Asset Proof, e.g. the latest month bank statement of investment account/ bank account (if applicable)

  • Limited Company (also applicable to corporate guarantor)

    1. Copy of Certificate of Incorporation
    2. Copy of particulars of Directorship and Company Secretary (Form D1/D2)
    3. Copy of “Memorandum & Articles of Association
    4. Board Minutes Extract

  • Sole-proprietorship / Partnership

    1. Copy of particulars of Sole Proprietorship (Form 1A)
    2. Copy of particulars of Partnership (Form 1C)

  • Sole-proprietor / Partners / Directors / Guarantor(s)

    1. Copy of HKID / Passport
    2. Latest Salary / Income Tax Demand Note (if applicable)
    3. Latest 3 months’ bank statements (if applicable)

  • Standalone Mortgagor

    1. Copy of HKID/ Passport/ CI / BRC

FAQs

To borrow or not to borrow? Borrow only if you can repay!

Forms and Documents

Notes

  • The maximum interest earned for your BusinessOne deposit account cannot exceed the amount of interest charged on your mortgage loan account in each particular month.