Your Futures Starts Here
Mortgage Loan
We understand that purchasing a home or property is a huge investment, and we want to help make the process as easy as possible. Meet with our mortgage lender before you start shopping to find your budget and get answers to any questions.
Purchasing and Refinancing
Bectic Finance Hong Kong offers multiple purchasing and refinancing programs to meet your financial needs and help you settle into our community.
Purchase – New or existing home
Purchase – Second home
Purchase – Investment property
Purchase – Land
Refinance–Your residence to lower interest rate
Refinance –To access equity (cash out)
Lot construction and permanent financing available
Mortgages
Bectic Finance Hong Kong Mortgage Lending Services offer the following:
Fixed Rate Mortgages
Adjustable Rate Mortgages
Conventional Mortgage
Best if you have money Hong Kongved for a traditional down payment.
First Time Home Buyers Program
Designed for first time home buyers or if you haven’t owned a home in more than three years.
Jumbo Mortgage
For larger home purchases—offers our highest loan amounts.
ounts.
Personal Loan
A personal loan is generally associated with an unsecured loan. It is a great way to get cash when needed for an emergency, home improvements or leisure activities like weddings and holidays. Personal loans can range between $20 000.00 to $5,000 000.00 and affordable repayment periods range from 24 months to 20years.
Thinking of doing home improvements, getting married or studying further? Or perhaps it’s time for a well-deserved holiday overseas.
A Personal Loan can help or give you the cash injection you need to make your dreams come true. DTS Finance is here to help you get the best Personal Loans deal.
A personal loan is generally associated with an unsecured loan. It is a great way to get cash when needed for an emergency, home improvements or leisure activities like weddings and holidays.
Personal loans can range between $20 000.00 to $5,000 000.00 and affordable repayment periods range from 24 months to 20years. Once you have applied and received a loan, you will need to pay back the personal loan in monthly installment over your chosen period.
Before you select a personal loan, you should make sure you have a good understanding of how much money you need and over what period. This will influence the interest rates charged and the terms in which the lender lends you the money.
Study Loan
Not sure how to pay for your studies? Talk to us; we can help you. Our study loan offers you the opportunity to borrow funds at a low-interest rate to support yourself or someone you would like to benefit from study funding. Take up a study loan with us, it could be the best thing for your future.
Apply online to finance your full-time studies
Some of the benefits
Affordable
Pay only interest and fees while you study
Covers it all
Your full-time student loan covers fees, accommodation books and equipment
Quick pre-approval
Finalise your application in-branch once it’s been provisionally approved online
No Penalties
Pay no additional charges if you are able to settle your loan early
Tuition and accommodation are paid to the institution or residence
Loans are granted for one year of study at a time
You submit your marks and proof of registration on fulfillment of the loan
A once-off initiation and monthly service fee are charged on your student loan
Courses must be accredited by the Department of Higher Education, SAQA, SETA or Umalusi
Business LOAN
Launching Marketing Campaigns
Purchasing Equipment
Remodeling / Renovating
Opening New Locations
Managing Cash Flow
Handling Unexpected Expenses
Bridging Receivables Gaps
We are focused to help you in the following areas:
Trade Finance
If your business is involved in importing or exporting, trade finance could be used to secure inventory or raw materials.
Equipment Finance
Equipment finance could assist with purchasing new equipment. This type of finance has implications on cash flow, tax and VAT.
Unsecured Term Loans
Unsecured term loans do not require security and are based on the cash flow and profitability of your business. These are generally short-term loans with higher interest rates.
Merchant Cash Advances
Merchant Finance can be offered to businesses who accept payment via a card terminal. The value of the loan offered, and the repayment structure, is based on the monthly revenue of the business.
Purchase Order Funding
Purchase order funding can be used when a business has received a large order, but does not have capital to fulfill the order
Debtor Finance
If you have a large debtors book with cash tied up, debtor finance may be an option to increase cash flow for your business. The value of the finance offered is based almost entirely on the value of your debtors book.
Property Backed Loan
A property back loan uses a business’s property as security. This allows businesses to free up equity in fixed assets, and can be a term loan or a revolving finance facility.
