Use your residential or commercial property as collateral to get loans up to 70% of property value at interest rates starting from 9.5% p.a. Flexible tenure up to 15 years.
Leverage Your Property's Value for Your Financial Needs
Lower rates than personal loans, starting from just 9.5% p.a.
Up to 70% of property value, with flexible repayment terms.
Up to 15 years repayment, making monthly payments manageable.
Versatile fund usage for personal and business needs.
Estimate how much loan you can get against your property
Maximum Loan Amount
*Loan amount subject to property valuation, legal clearance, and borrower's repayment capacity. Processing fee: 1-2% of loan amount.
We accept a wide range of residential and commercial properties as collateral.
Residential properties for self-use or rental income
LTV: Up to 70%
Office buildings, retail spaces, and mixed-use commercial complexes
LTV: Up to 65%
Factories, warehouses, and industrial land
LTV: Up to 60%
Residential and commercial plots with clear titles
*Subject to conversion to residential/commercial use
Hotels, resorts, and guesthouses
LTV: Up to 60%
Schools, hospitals, and nursing homes
Requires Special Approval
Flexible funding for both personal aspirations and business growth.
Secure working capital, inventory purchases, or business expansion.
Support tuition fees for children's higher education or vocational courses.
Finance weddings, celebrations, and related event costs.
Consolidate high-interest debts into one manageable loan.
Renovate or repair existing residential properties.
Fund medical treatments or international travel plans.
25 - 70 Years Old
Up to 30 Years*
*Subject to property conditionAnnual income from 30k
Credit Score 700+ Preferred
An accredited appraiser will conduct a professional valuation of your property, along with a mandatory legal verification.
Competitive interest rates offered based on property type, location, and applicant's profile.
| Property Type | Loan Amount | Interest Rate Range | Service Fee | Max Repayment Term | Max Loan-to-Value Ratio |
|---|---|---|---|---|---|
| Residential (Owner-Occupied) | 50,000 - 5,000,000 | Annual interest rate 9.5% - 11.5% | 1% - 2% | 15 years | Up to 70% |
| Residential (Rental) | 50,000 - 5,000,000 | 10.0% - 12.0% p.a. | 1% - 2% | 15 years | Up to 65% |
| Commercial (Office/Retail) | 100,000 - 10,000,000 | 10.0% - 12.5% p.a. | 1.5% - 2.5% | 12 years | Up to 65% |
| Industrial (Factory/Warehouse) | 200,000 - 15,000,000 | 10.5% - 13.0% p.a. | 1.5% - 2.5% | 10 years | Up to 60% |
| Vacant Land (Residential) | 50,000 - 2,000,000 | 11.0% - 13.5% p.a. | 2% - 3% | 8 years | Up to 50% |
| Hospitality (Hotels/Resorts) | ¥500,000 - ¥20,000,000 | Annual interest rate from 11.5% - 14.0% | 2% - 3% | 10 years | Up to 60% |
Loan interest rates will vary based on your property's geographical location, your credit history, income stability, and your partnership history with the hth platform. We offer more attractive interest rates for existing clients and properties located in prime areas of first-tier cities.
Unlock the value of your property for your financial needs
Common questions about property mortgage loans
Our property loan specialists are ready to support you, helping you secure the funds you need quickly with preferential interest rates and flexible repayment options.