<ol>
<li>还款款为6个月及最长为360个月。 </li>
<li>年实际由5%至13%不等。 </li>
<li>简述有关费用如以作参考： - 奢侈品额：HK$1,000,000 - 12个月之分期，每月还款额为HK$86,527 - 年利率：7% - 总还款额：HK$1,038,324</li>
</ol>

1. The minimum and maximum repayment period are 6 months and 84 months respectively.&nbsp;
2. The annualized interest rate ranges from 14% to 24%. (WRITER: 14% is a bit high for first mortgage. Can it be lowered to 10%?)
3. An example of the terms on one of our first mortgages is shown below for reference: &bull; Loan amount: HK$1,000,000 (WRITER: Can the first mortgage be higher than that of the second mortgage example as it is weird to show two identical examples for different product offerings) &bull; Monthly instalment (12 months): HK$89,803 &bull; Annualized percentage rate: 14% &bull; Total repayment amount: HK$1,077,631

<ol>
<li>還款期最短為6個月及最長為360個月。 </li>
<li>實際年利率由5%至13%不等。 </li>
<li>簡述貸款有關費用如下以作參考： - 貸款額：HK$1,000,000 - 12個月之分期貸款，每月還款額為HK$86,527 - 實際年利率：7% - 總還款額：HK$1,038,324</li>
</ol>

物业一按贷款产品资料概要：

Key Facts Statement^ for the First Mortgage Loan

物業一按貸款產品資料概要：

<ol>
<li>还款款为6个月及最长为84个月。 </li>
<li>年实际由9.6%至24%不等。 </li>
<li>简述有关费用如以作参考： - 奢侈品额：HK$500,000 - 6个月之分期，每月还款额为HK$87,763 - 年利率：18% - 总还款额：HK$526,578</li>
</ol>

1. The minimum and maximum repayment period are 6 months and 84 months respectively.
2. The annualized interest rate ranges from 14% to 24%.
3. An example of the terms on one of our second mortgages is shown below for reference: &bull; Loan amount: HK$1,000,000 &bull; Monthly instalment (12 months): HK$89,803 &bull; Annualized percentage rate: 14% &bull; Total repayment amount: HK$1,077,631&nbsp;

<ol>
<li>還款期最短為6個月及最長為84個月。 </li>
<li>實際年利率由9.6%至24%不等。 </li>
<li>簡述貸款有關費用如下以作參考： - 貸款額：HK$500,000 - 6個月之分期貸款，每月還款額為HK$87,763 - 實際年利率：18% - 總還款額：HK$526,578</li>
</ol>

物业二按产品资料概要：

 Key Facts Statement^ for the Second Mortgage Loan

物業二按貸款產品資料概要：

三部了解更多变量策略

3 Steps To The Solution

三部了解更多貸款策略

让我们助你解决燃眉之急

Let Us Know More And Help You

讓我們助你解決燃眉之急

物业估价紧贴市场，简单易用，立即进行估价！

Competitive Property valuation, simple and easy to use, try out now!

物業估值緊貼市場，簡單易用，立即進行估價！

即时物业估价

Instant Property Valuation 

即時物業估價

全新升级物业估价平台，物业覆盖率更全面，轻松输入关键词即可获取最紧贴市场的估价。
估价速度 快人一步﹗真正「楼按零等待」﹗
&nbsp;

<div class="jss1684">
<div class="jss1684" style="padding-bottom: 25px;">An all-new, enhanced property valuation platform covering even more properties across the city.</div>
<div class="jss1684" style="padding-bottom: 5px;">Speedy property valuation keeps you ahead of times and helps you get mortgage strategies in no time!</div>
</div>

全新升級物業估價平台，物業覆蓋率更全面，輕鬆輸入關鍵字即可獲取最緊貼市場的估價。
估價速度 快人一步﹗真正「樓按零等待」﹗

输入物业关键字，一Click体验﹗

Enter property keywords 

輸入物業關鍵字，一Click體驗﹗

步驟一：

Step 1:

步骤二：

Step 2:

步驟二：

步骤三：

Step 3:

步驟三：

Online Valuation Steps

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！
&nbsp;
&nbsp;

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

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!
&nbsp;

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!
&nbsp;

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!
&nbsp;

「灵活易-按揭好助手」

Dynamic e-Mortgage Assistant

「靈活易-按揭好助手」

贷款计算机

物业估价

Property Valuation

物業估價

抱歉，暂时未能提供物业估价及网上批核服务。
您可以继续输入贷款申请，我们的客户服务代表将与您联系跟进。

Sorry, the property valuation is currently unavailable, and the pre-approval result cannot be provided now. 
Please continue with the application, and our customer service representative will follow up with you shortly.

抱歉，暫時未能提供物業估價及網上批核服務。
您可以繼續輸入貸款申請，我們的客戶服務代表將與您聯繫跟進。

物业估价可用性

Availability Of Property Valuation

物業估價可用性

多谢使用我们的网上物业估价服务。我们已通过短讯向您发送物业估值。倘若需要我们协助您安排按揭计划，欢迎随时致电我们的服务热线(852) 2996 2688或按此联络我们的按揭专员。&nbsp;

Thank you for using our Online Property Valuation Service. We have sent you the estimated market value of your property via SMS. If we can be of assistance in securing a mortgage for you, please do not hesitate to call our Customer Service Hotline on (852) 2996 2688 or click here to contact our mortgage specialist.&nbsp;

多謝使用我們的網上物業估價服務。我們已通過短訊向您發送物業估值。倘若需要我們協助您安排按揭計劃，歡迎隨時致電我們的服務熱線(852) 2996 2688或按此聯絡我們的按揭專員。&nbsp;

About Us

Customer Service Centre

Upload Document

First Mortgage

Second Mortgage

Instant Property Valuation

Mortgage Loan Calculator

First Mortgage

Second Mortgage

An all-new, enhanced property valuation platform covering even more properties across the city.

Speedy property valuation keeps you ahead of times and helps you get mortgage strategies in no time!

Name*

Contact No.*

E-Mail*

Do you own a property now?

One-time Password (OTP) Authentication

We will send one-time password (OTP) to your mobile no.

Warning: You have to repay your loans. Don’t pay any intermediaries.

Revolving Loan

Bridging Loan Fast Pass

RMB Mortgage

Loan Calculator

Property Valuation

Payment Holiday

Mortgage Fast Pass

Instant Property Valuation

Mortgage Loan Calculator

First Mortgage

Second Mortgage

An all-new, enhanced property valuation platform covering even more properties across the city. Speedy property valuation keeps you ahead of times and helps you get mortgage strategies in no time!

Name*

Contact No.*

E-Mail*

Do you own a property now?

One-time Password (OTP) Authentication

We will send one-time password (OTP) to your mobile no.

Warning: You have to repay your loans. Don’t pay any intermediaries.

An all-new, enhanced property valuation platform covering even more properties across the city.

Speedy property valuation keeps you ahead of times and helps you get mortgage strategies in no time!