Frequently Asked
Questions


Personal loan

Please provide the following documents to apply for X Personal Cash:

1. Hong Kong identity card
2. Latest 2 months residential address proof (Latest Bank statement or utility with your name)
3. Latest 2 months income proof (Personal or commercial bank records / Salary proof from employer / Tax demand note)
4. Proof of employment (Employment agreement or contract / Employee ID / Letter of appointment / Latest 2 months payroll slip)

If you have any further questions about the required documents, please do not hesitate to contact our customer service team: 2531 0333. We will give you the most relevant advice to every situation.
The application procedure can be processed through online and mobile. You may submit documents through whatsapp, email, or in person. You may merely use phone or computer to complete the whole application process and instantly get your cash.
Yes, we encourage you to apply whenever the required documents are prepared, including Hong Kong Identity Card, bank statement, and income proof.
We evaluate the situations on a case by case basis and may make an exemption for the applicant subject to individual case. The loan application could still be approved if you have prepared all required documents including residential address proof, bank statement, and income proof.
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The exact purpose when you apply for a loan is not our major consideration. We highly welcome anyone who wishes to apply for purposes such as clearing credit card debts, urgent financial needs, etc.
The pre-approval process takes as little as 30 minutes when all required documents are submitted. The actual time required would depend on the circumstances at the time.
You are required to visit our branch to sign the contract in person.
We aim to offer you the best personal loan plan. Therefore, the actual loan amounts will depend on your particular case. We’ll always do our best to fulfill your needs and meet your expectations.
We offer best personal loan interest rates to help meet your finance needs. The actual interest rate will depend on your particular case. You may contact our customer services hotline at 2531 0333 if you require further information.
Yes. You may contact our Customer Services Hotline at 2531 0333.
There are no additional administrative fees for the whole application process.
You may kindly refer to our customer experience shared on the website. One example, the monthly repayment amount would be $5,649 for a loan amount of $120,000 for a repayment period of 24 months. We aim to offer best interest rates to help you with your finance needs. You may contact our customer services hotline at 2531 0333 if you require further information.
Yes. We highly welcome you to apply for our X Personal Cash to clear credit card debts. You may contact our customer services hotline at 2531 0333.

Click here to clear your credit card debts now.

You are welcome to apply whenever you could provide a certificate of discharge. However, we do not accept the applications from applicants who are currently filing for bankruptcy.
Yes. We will proceed accordingly and give appropriate suggestions in order to fulfill your financial needs. If you have any further questions, please contact our customer service hotline at 2531 0333.
Yes. We will proceed accordingly and give appropriate suggestions in order to fulfill your financial needs. You may contact our customer services hotline at 2531 0333 if you require further information.

Mortgages

When the owner of property needs a loan, he/she can use his/her property with outstanding mortgage to apply for another property loan, which is known as a “second mortgage”. The borrower may obtain further finance under the same property while the terms under the first mortgage remains the same.
Please provide the following documents to get your first and second mortgages :
1. Hong Kong identity card
2. Latest 2 months residential address proof (Latest bank statement or utility with your name)
3. Latest 2 months income proof (Personal or commercial bank records / Salary proof from employer / Tax demand note)
4. Proof of employment (Employment agreement or contract / Employee ID / Letter of appointment / Latest 2 months payroll slip)
5. Payment proof for mortgage and rent arrears or provisional agreement for sales and purchase / Agreement for sales and purchase (only applicable to new buyers of property)
Yes, to ensure the quality in our mortgage services, our lawyers to handle your mortgage to offer you a peace of mind.
We can provide flexible repayment options that are as short as 1 month to 300 months, you may decide on the repayment period according to your repayment ability.
We offer best mortgage loan interest rates to help meet your finance needs. The actual interest rate will depend on your particular case. You may contact our customer services hotline at 2531 0333 if you require further information.
Yes, customers can sell their property at any time during loan process. The owner will need to inform us in advance after an agreement has been made between the owner and the buyer. We may set the cut-off date as the closing date so that the customer can repay the loan in full on the same day. Click here to apply
Yes, we accept loan applications from property owners of jointly owned properties.
Yes, we accept applications regardless of property age and type in Hong Kong, including private homes, tenement buildings, shops, commercial, industrial properties, and parking spaces. Depending on the situation, we will analyze and consider from many aspects of your property. You may contact our Customer Services Hotline at 2531 0333 if you require further information.
Yes, we will evaluate your situation and provide a financial analysis service. You may contact our customer services hotline at 2531 0333 if you require further information.
A Transfer Mortgage is transferring your current mortgage to another lender.
Please provide the following documents :
1. Hong Kong Identity Card
2. Latest 2 months Residential Address Proof
3. Latest 2 months Bank Account Records (Personal/Commercial)
4. Latest 2 months Income Proof (eg. Bank Statement/Proof of Employment Letter)
5. Only your latest repayment records are required.
6. Payment Proof for mortgage and Rent arrears.

Property Owner’s Loan

It is a personal loan plan with a larger loan amount for landlords under the Home Ownership Scheme and Tenants Purchase Scheme with premium unpaid. Apply now.
The loan amount of Property Owner’s Loan is larger and its approval is not limited by salary or income proof of the applicant. Moreover, the repayment period is more flexible, and interest rate are better. Apply now.
To apply for a Property Owner’s Loan, please provide the following:

1. Hong Kong identity card
2. Within 2 months residential address proof
3. Latest 2 months income proof (Personal or commercial bank records / Salary proof from employer / Tax demand note)
4. Proof of employment (Employment agreement or contract / Employee ID / Letter of appointment / Latest 2 months payroll slip)
5. Mortgage instalment record and balance record concerned
No, a lawyer is not needed to process a Property Owner’s Loan. Also, the customer is not required to provide any security or a Title Deed.
We can provide flexible repayment options that are as short as 1 month to 240 months, you may decide on the repayment period according to your repayment ability.
We aim to offer you the best Property Owner’s loan plan. Therefore, the actual loan amounts will depend on your particular case. We’ll always do our best to fulfill your needs and meet your expectations.
Yes, we accept loan applications from property owners of jointly owned properties. Apply now.
Yes, customers can sell their property at any time during loan process. The owner will need to inform us in advance after an agreement has been made between the owner and the buyer. We may set the cut-off date as the closing date so that the customer can repay the loan in full on the same day. Click here to apply

Credit Score

Yes. credit score is for our reference only and is not a major consideration in loan approvals. We aim to offer you the best Personal loan plan to help you with your finance needs.

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We will only get access to your credit history when we have obtain permission from you.
There are different loan requirements from different loan companies. Thus, there would be a wide range of factors that could affect your credit record.