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    Hang Seng Mortgage Loan

    Designed to Help You Achieve Your Home Ownership Goal

    Documents Required:

    Take salaried individuals for example:

    • Original and one photocopy of your ID or passport
    • Residential address proof (e.g. water, electricity or gas bill)
    • Income proof (e.g. tax slip for the recent period and / or bank statements for the recent period and / or employment letter, employment contract containing salary)
    • Property trading proof: Property Sales & Purchase Agreement, proof of downpayment ,Title Deed
    • Other documents required by the bank

    *The above information may be updated from time to time in accordance with the laws and regulations or upon the Bank's own requirement. The Bank will not give any notice for the update. You are advised to contact the bank’s hotline 4008 30 8008 to confirm the detail of the required documents and procedures before applying for a mortgage loan.

    1. Complete the application form and provide the relevant documents

    2. Bank arranges for property valuation and assesses your application.

       

      注：In some cities, according to relevant policies, loan amount shall also be confirmed after referring to the guidance price provided by government
    3. Sign the mortgage loan agreement, if you pass the assessment

    4. Complete Title Deed registration (for completed property)/ Title Deed transfer (for pre-sale property) and registration of mortgagee's right at property registration bureau

    5. After all the legal documents have been signed and all the conditions precedent for drawdown have been fulfilled, Bank disburses the loan to the property seller

    * From initial application to disbursement of loan takes approximately 15 to 45 days.

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