How is Credit One Finance different from the mortgage loan services offered by banks?

Advantages of Credit One Finance


      • Credit history does not affect the approval results
    • No handling, valuation or application counsel fees
    • All is set in one working day
  • No need to provide the Income Certificate
    • No need to provide Financial Statements for business
    • For the jointly owned it is not necessary to obtain the consent of all owners of joint properties to apply the loan.
    • Daily calculation of interest, borrow and repay whenever you want
  • No penalty interest for advance repayment
What documents do I need to provide when I apply for a mortgage?

To apply for mortgage loans at Credit One Finance, applicants only need to prepare few documents: identification document, title deeds/mortgage repayment statement, demand for rates and demand for management fees.

How long is the repayment period?

The repayment period is flexible from 3 months to 360 months. Customers may decide the loan tenure based on their repayment ability.

Is the loan application handled by solicitors?

In order to ensure that our clients receive quality and reliable property loan services, We will entrusts sizable law firms in Central to handle all loan applications.

What are the loan application procedures?

Step 1: Submit your application and property details in person or via phone calls, WhatsApp or our website online application.

Step 2: Preliminary approval, which takes only 15 minutes.

Step 3: Customer will be notified of the preliminary approval result, interest rate, installment amount, etc.

Step 4: Customer visits our office in person with the required documents to complete the loan application.

Step 5: Customer signs the agreement at the solicitor’s office and the loan is available for drawdown within 24 hours.

Is it eligible for a person who has retired or is over 60 years old to apply for loans?

Yes. Applications accepted by any person who is 18 years old or above.

If it is a jointly-owned property, is it acceptable for one of the owners to apply for a mortgage?

Yes. It is not necessary to obtain the consent of all owners of joint properties to apply the loan. The loan application of Credit One is simple and can be done by one of the owners.

How long does the telephone approval generally?

It usually takes about 15 minutes. Then, our customer service officers will inform customers about the approval result.