提供物业套现、转按套现或高成数置业按揭。贷款金额无上限，最高可达贷款成数的八成半，申请简易批核特快，满足各项财务需要。 更推出全港首家*<a style="color: #ffffff;" href="../cn/payment-holiday">物业按揭还款假期#</a> 2024年12月31日前申请即送HK$10,000奖赏 
按<a style="color: #236fa1;" href="2nd-mtg-tnc" target="_blank" rel="noopener">此</a>参阅奖赏之条款及细则

Whether you are seeking for cash-out refinance, a transfer of mortgage or a high loan-to-value (LTV) ratio property purchase mortgage, Sun Hung Kai Credit offers a variety of first mortgage plans featuring limitless loan amounts up to 85% of LTV, coupled with simplified application process and basic document requirements. Proud to introduce Hong Kong's first*<a style="color: #ffffff;" href="../en/payment-holiday">Mortgage Payment Holiday#</a> Apply on or before December 31, 2024 to enjoy HK$10,000 rewards 
Click <a style="color: #236fa1;" href="2nd-mtg-tnc" target="_blank" rel="noopener">here</a> for rewards terms &amp; conditions

提供物業套現、轉按套現或高成數置業按揭。貸款金額無上限，最高可達貸款成數的八成半，申請簡易批核特快，滿足各項財務需要。更推出全港首家*<a style="color: #ffffff;" href="../hk/payment-holiday">物業按揭還款假期#</a> 2024年12月31日前申請即送HK$10,000獎賞 
按<a style="color: #ffffff;" href="2nd-mtg-tnc" target="_blank" rel="noopener">此</a>參閱獎賞之條款及細則

物业一按

First Mortgage

物業一按

循环贷款为客户提供预先批核的信贷额度，您可重复提取资金，助你应付日常开支或管理现金流。利息以每日计算，未使用的信贷限额将不会收取任何利息，并且于每次还款时自动恢复信贷额度。灵活的循环贷款是中小企老板或投资者的融资好帮手。
客户可自行选择所需循环贷款按揭计划

Revolving loans provide customers with pre-approved credit lines which they can repeatedly draw for managing ongoing expenses or cash flow. Interest is charged on a daily basis, but no interest is charged on the unused credit limit which is restored automatically upon each repayment. This flexibility makes the Revolving Loan a useful financing tool for small-to-medium business owners or investors.&nbsp;
Customers can choose their own revolving loan mortgage plan

循環貸款為客戶提供預先批核的信貸額度，您可重複提取資金，助你應付日常開支或管理現金流。利息以每日計算，未使用的信貸限額將不會收取任何利息，並且於每次還款時自動恢復信貸額度。靈活的循環貸款是中小企老闆或投資者的融資好幫手。
客戶可自行選擇所需循環貸款按揭計劃

循环贷款   灵活自主

Flexible Redraw Facility

循環貸款   靈活自主

还款假期

Payment Holiday

還款假期

新鸿基信贷欣然推出全港首个*「物业按揭还款假期#」，让客户于贷款期内每年自选两个月延期还款。而且贷款额不设上限，亦无需支付手续费和罚款，助你资金周转更轻松灵活，安心地应对任何突如其来事情！

Sun Hung Kai Credit proudly presents the first* Mortgage Payment Holiday# in Hong Kong &ndash; a scheme which allows you to choose to postpone any two monthly instalments every year during the loan period, there's no limit on the loan amount, no handling fee and no penalty charge! You can enjoy more flexibility and be better prepared for any unforeseen circumstances.&nbsp;

新鴻基信貸推出全港首家*「物業按揭還款假期#」，讓客戶於貸款期內每年自選兩個月延期還款，輕鬆「唞一唞」。而且貸款額無上限、冇手續費兼冇罰息，助你資金周轉更輕鬆靈活，安心地應對任何突如其來事情！
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全港首家*物业按揭还款假期

Hong Kong's first* Mortgage Payment Holiday

全港首家*物業按揭還款假期

1. 方便 &ndash; 24小时随时随地查阅按揭申请，并可享实时物业估价
2. 快捷 &ndash; 根据物业估值和按揭意向，为您提供市场首个的独特即时电子初步报价
3. 简易 &ndash; 五分钟申请流程
4. 灵活 &ndash; 只需于收到初步报价后提交文件

1. Convenient &ndash; 24/7 access to your mortgage application with real-time property valuation
2. Speedy &ndash; Market-first and unique instant preliminary offer digitally generated based on property valuation and mortgage preference
3. Simple &ndash; 5-minute application flow
4. Flexible - Submission of documents only after receiving your preliminary offer&nbsp;

1. 方便 &ndash; 24小時隨時隨地查閱按揭申請，並可享實時物業估價
2. 快捷 &ndash; 根據物業估值和按揭意向，為您提供市場首個的獨特即時電子初步報價
3. 簡易 &ndash; 五分鐘申請流程
4. 靈活 &ndash; 只需於收到初步報價後提交文件

灵活e-按揭好助手

Dynamic e-Mortgage Assistance 

靈活e-按揭好助手

简单3步助您了解贷款方案

3 Steps To The Solution

簡單3步助您瞭解貸款方案

贷款计算机 

Mortgage Loan Calculator

貸款計算機

免费物业估价 

Free  Property Valuation Service

免費物業估價

于决定贷款前，若要充分了解自己的借贷承担能力，精心筹划的还款策略是不可或缺。
现在，您可运用我们的「灵活易-按揭好助手」，计算每月供款额及物业估价服务，为末来作准备!
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A well-planned repayment strategy is important for you to determine your affordability before taking a loan.
Now, you can use our "Dynamic e-Mortgage Assistant" to calculate your monthly payment and property valuation services to prepare for your future plans!
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於決定貸款前，若要充分了解自己的借貸承擔能力，精心籌劃的還款策略是不可或缺。
現在，您可運用我們的「靈活易-按揭好助手」，計算每月供款額及物業估價服務，為末來作準備!
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