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Home Mortgage Loans
Information
No matter whether you are looking for a primary home, a second home for holidays, or a property for investment, let HSBC help. Leverage on our global knowledge and local mortgage expertise, HSBC offers you solutions and helps you save valuable time and money.
Our mortgage professionals are ready to talk with you and assist with your application. For more information about our loan services and interest rates, please call our hotline on 8599 2209 or visit any of our HBSC branches in Macau.
HSBC will help you through the home purchase process,
and provide all the services you need:
Mortgage application, provide advice on a mortgage loan, refinancing and overdrafting, and provide referrals to trusted property agents and solicitors
When you've found a property within your budget, we will give you valuation and work out a repayment plan that best matches your budget
Our Mortgage Services Overview
Borrow up to 90% of the property valuation or the purchase price (whichever is lower) for Macau residents and around 70% for non-Macau residents
Loan tenure ranges from 5 and up to 30 years
Free choice from our repayment methods to suit your needs
Mortgage can be arranged in either local currency (MOP) or Hong Kong dollar (HKD)
Waiver of mortgage handling and property valuation fees
Waiver of first year premium on fire and allied perils insurance
Our Mortgage Repayment Plan
As your trusted mortgage partner, HSBC offers a variety of mortgage repayment plans to suit your needs, with flexible repayment schedule which helps you own your home sooner and save on interest. Plans include:
1. Straight-line Repayment Plan - enjoy a fixed repayment amount throughout the mortgage term, which is suitable for people earning a regular salary and wish to maintain a fixed budget.
2. Reducing Balance Repayment Plan - By making larger payments in the initial stages, your repayment could reduce during the mortgage term. This plan is useful if you have strong repayment ability in the early years and helps you save total interest over time.
3. Monthly and Fortnightly Repayment Frequency - You can choose either monthly or fortnightly repayment frequency together with any of the above mortgage plans to repay your mortgage loan. With bi-weekly payments, you pay less interest and the principal is repaid more quickly.
Mortgage Loan Application
Having decided your favourable mortgage repayment plan, you will have to complete the Home Mortgage Loan Application Form and return it to our bank with the following documents:
ID/passport original and duplicate copies
Bank book/statements for the last three months
Tax demand note for the last tax year
Employer's letter with company letterhead and bearing company chop confirming job title and income
Recent salary payroll advice
Provisional sales and purchase agreement
Other documentation as required
Upon approval of your application, we will arrange an appointment with you to come to our Macau Branch for account opening and loan documentation signing.
Making Payment
Once your home mortgage loan has been drawn down, autopay service will be arranged with your loan repayment account opened in HSBC Macau. You can choose either one of the following methods to transfer funds for repayment:
1. By Cash
You can pay-in cash as deposit to your account through our branches in Macau or ATMs with deposit function at our branches.
2. By Cheque
To deposit cheque drawn on HSBC Macau. Funds deposited in account will be valued on same day for loan repayment
To deposit cheque drawn on other banks in Macau. It takes two working days for cheque to be cleared through the local Clearing House and funds deposited in account will be valued for loan repayment after clearance of the cheque
To deposit cheque drawn on banks in Hong Kong*. It takes three working days for cheque to be cleared in Hong Kong and funds deposited in account will be valued for loan repayment after clearance of the cheque
* The Bank will levy a handling charge of HKD50.00 per cheque deposit for those cheques drawn on a non-HSBC group in Hong Kong.
3. By Telegraphic Transfer (TT)
You may also arrange telegraphic transfer with your banker in your country. The Bank will levy handling charge of HKD50.00 per transfer.
What else should I know?
Mortgage Calculator
Home Purchase Process
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