Housing Loan Series

The Personal First-hand Residential Housing Loan is a loan issued by ABC to finance the borrower's purchase of residential housing traded for the first time (i.e. the residential housing sold to individuals by the developer or any other qualified entity that has developed the housing). more 》

The Personal Second-hand Residential Housing Loan is a loan issued by ABC to finance the borrower’s purchase of resold residential housing. more 》

The Personal First-hand Commercial Housing Loan is a loan made to finance the borrower’s purchase of office or retail property traded for the first time against mortgage of the purchased commercial housing, and repaid in monthly instalments. more 》

The Personal Second-hand Commercial Housing Loan is a loan issued by ABC to finance the borrower’s purchase of retail or office housing ("commercial housing") that has been issued with the title deed and is re-tradable in the tertiary property market. more 》

The Personal Housing Revolving Loan (hereinafter "revolving loan") is a personal loan that can be withdrawn, repaid, and redrawn again for an unlimited amount of times within a specified period; it should also be within the credit limit determined based on the maximum mortgage placed on the housing financed by a personal housing loan you have obtained from ABC or any other financial institutions. more 》

The Replacement Personal Housing Loan is a loan issued to a natural person who has purchased and fully paid for a residential housing unit through self-raised money. The title deed is then obtained for the purpose of repaying his/her debts incurred from the housing purchase. more 》

The Personal Mortgage Loan Refinancing (Without Transaction) is a loan issued to the borrower who has an outstanding personal housing loan (other than a personal commercial housing loan) at another commercial bank, for the purpose of prepaying such an outstanding personal housing loan he/she owes to that commercial bank. more 》

The Direct Personal Housing Loan is a housing loan issued by ABC to an eligible purchaser of new housing without guarantee provided by the developer. more 》

The Personal Housing Loan with Fixed Interest Rate means that the interest rate on the loan remains unchanged over the term of the loan. more 》

The Mortgage Loan Refinancing (with Transaction) is a process where, when a mortgage-financed housing is resold, ABC issues a loan to the seller to repay the mortgage loan made by another lender for collateral release and title transfer; ABC then issues a second-hand housing loan to the buyer and recovers the loan made to the seller. more 》

The Funds Custody of Second-hand House Trading is a process where ABC provides independent management of second-hand housing trading funds based on its creditworthiness, at the request of both parties, to the transaction. more 》

The Wealth Management Account Linked Housing Loan Account is a service we provide for personal housing loan borrowers to effectively use money and save interest on loans. The wealth management account is linked to a personal housing loan of the borrower. We calculate and pay returns based on the balance of the borrower’s wealth management account and the loan. more 》

The Personal Housing Relay Loan is a housing loan where the parent(s) and the child act as co-borrowers and the child (or the child and his/her spouse), parents, or parents and the child are the co-owners of the purchased house. more 》

The "Repayment Holiday Plan" for Personal Housing Loan consists of "Easy Repayment Plan" and "Full Holiday Plan". Under "Easy Repayment Plan", borrowers of an ABC personal housing loan can apply for repaying interest only during a specific period (the "period of regular settlement"), and then repay principal and interest on time. more 》