Public & Home Ownership Scheme (HOS) Property Owner Loan
K Cash offers high-value personal loans for public and Home Ownership Scheme (HOS) homeowners, without property age restriction, and no property or deed collateral required. Loan amount up to HK$2 million and as fast as same-day drawdown. Approval is mainly based on property valuation, often allowing a higher credit limit than a general personal loan. Flexible repayment options without early redemption penalties. Fast and simple process in the assistance of online application, giving you quick access to funding to meet your financial needs conveniently.
Explore new possibilities- Exemption of registration in the Land Registry.
- Approval can be done as fast as same day application.
- Handling fees, legal fees and valuation fees are waived.
Yes! K Cash's here to help. Easy to apply Unsecured property owner loan.
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K Cash customer service is available during office hours to provide real-time assistance with any loan-related inquiries. Feel free to reach out to us via WhatsApp to help you resolve any questions or concerns you may have.
Only Hong Kong permanent residents who are at least 18 years old are eligible to apply for a loan. Applicants are required to authorize K Cash to obtain their most recent credit report for loan approval purposes.
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We understand that you have a packed schedule and various needs. Please leave your contact number and convenient time, and we will call during our available time to assist you with any loan-related requirements.
All information collected will be kept confidential and will only be used for loan application purposes.
To support my son's UK studies, I applied for K Cash's unsecured property owner loan. No title deed required by K Cash.. I applied for the loan and received the funds the next day, just in time for us to pay the reservation fee for the school. Land Registry registration, handling fee, legal fee, and valuation fees are waived. K Cash provides a simple application process that is fast, flexible, and stress-free.
- Mr. Lung, owner of public housing
During three months of unemployment, my credit card debt grew, and stress mounted. A HOS property owner applied for K Cash’s property owner's loan. Without a title deed to be collateral, my application was approved quickly, and I received funds within 24 hours. I paid off all my credit cards with one single loan, and now I only need to make one fixed monthly repayment, which has eased my financial burden significantly.
- Mr. Man, owner of Home Ownership Scheme
I always dreamed of starting a business, but the costs held me back from starting from zero. When a cooked food shop became available to take over, which has a good location and customer base, I seriously considered it as the chance is rare. However, the approval process from the bank is complicated, which could not offer funding promptly, and nearly made me miss the chance. Luckily, I turned to K Cash’s property owner loan. It's a simple application process that requires no title deed as collateral. I got the funding in 24 hours, which allowed me to take over the business in time. I renovated the shop, renewed the menu, and finally took the first step towards entrepreneurship.
- Mr. Hui, owner of public housing
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K Cash employs the highest level of confidentiality in technology to collect, process, and protect customer data to ensure the integrity of customer information and prevent tampering. Additionally, K Cash applies blockchain technology to implement an employee identity authentication system, reducing the risk of potential customers engaging in transactions with impersonators or fraudulent employees.
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