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We will post the annual Mortgage Statement to your correspondence address from April to May every year.

For mortgage loan early or partial redemption, please download and complete “Mortgage Loan Customer Services Request Form” from the Form Centre from our website. Please note that at least one-month prior written notice must be given to the Bank for early or partial redemption to allow sufficient time to process your request.

The penalty period normally lasts for 2 years starting from the drawdown date of your mortgage. For the exact penalty period, please refer to your Letter of Offer.

If you wish to add / delete / change borrower / mortgagor for your mortgage loans, all the related person (including borrower, and mortgagor) need to approach any of our Hong Kong branches in person for application. The approval of changing borrower / mortgagor and the required supporting documents are subject to the Bank’s discretion. The administration fee for changing borrower / mortgagor is HKD1,000 per request if the request is approved.

After you fully redeem the loan, we will issue the full settlement of mortgage loan letter to remind you on redeeming the title deed. You need to instruct a solicitors firm to prepare and arrange for the formal release / discharge of the Property and the collection of title deeds relating to the property. You may contact our Client Service Hotline at (852)2886-8863 If you would like to know more information.

If you would like to request for a copy of the mentioned mortgage loan annual statement, you may contact our Mortgage Client Service Hotline at (852)2886-8863 for request. Alternatively, you could visit our website and click “Help > Forms and downloads > LEARN MORE > Mortgages” to download “Mortgage Loan Customer Services Request Form”. Upon completion of item 8, please submit the original form with your signature to the Bank for processing. Upon receipt of your valid request, the relevant copy will be sent to you by post accordingly. Please be advised that the handling charge is HK$100 per year per loan statement.

For terminate the fire insurance policy and apply premium refund, please download and complete “Termination of Mortgage Loan Fire Insurance Plan and Request for Premium Refund (Applicable to Early Redemption Customer)” from the Form Centre at our website.

If your mortgage loan account is single name account (with or without consolidated statement service ), you can make changes through Online Banking or SC Mobile app and fill in the “Change of Contact Information Form for Individual Client”, or call our 24-hour phone banking service at (852)2886-8888 (for general customers) / (852)2886-8877 (for Premium Customers) / (852)2886-8866 (for Priority Banking customers).

If your mortgage loan account is joint name account that either one of the holder has joined the Consolidated Statement Service, you can also make changes through Online Banking or SC Mobile app and fill in the “Change of Contact Information Form for Individual Client”, or call our 24-hour phone banking service at (852)2886-8888 (for general customers) / (852)2886-8877 (for Premium Customers) / (852)2886-8866 (for Priority Banking customers).

If your mortgage loan account is a joint name account and has not participated in the Consolidated Statement Service and you want to update your correspondent mortgage address, all mortgage loan borrowers are required to apply for address change by downloading the ” Change of Contact Information Form for Individual Client ” from our webpage and returning the filled form to the bank.