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 to meet your diverse financial needs.
Rates lower than personal loans, starting from just 9.5% APR.
Up to 70% of property value with flexible repayment terms.
Up to 15 years to repay, making monthly payments manageable.
Versatile fund usage for both 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 shops, and 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 fund usage to meet both personal and business needs.
Funding for working capital, inventory purchase, or business expansion.
Tuition support for children's higher education or vocational courses.
Funding for weddings, celebrations, and related expenses.
Consolidate high-interest debts into one manageable loan.
Renovate or repair existing residential properties.
Funds for medical treatments or international travel.
25 - 70 Years Old
Up to 30 Years*
*Subject to property conditionAnnual Income from 30k
Credit Score 700+ Preferred
A bank-approved valuer will conduct a professional appraisal of your property, along with a mandatory legal due diligence.
Competitive interest rates based on property type, location, and applicant 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 Rate 9.5% - 11.5% | 1% - 2% | 15 years | Up to 70% |
| Residential (rental) | 50,000 - 5,000,000 | 10.0% - 12.0% annualized | 1% - 2% | 15 years | Up to 65% |
| Commercial (office/shop) | 100,000 - 10,000,000 | 10.0% - 12.5% annualized | 1.5% - 2.5% | 12 years | Up to 65% |
| Industrial (factory/warehouse) | 200,000 - 15,000,000 | 10.5% - 13.0% annualized | 1.5% - 2.5% | 10 years | Up to 60% |
| Vacant land (residential) | 50,000 - 2,000,000 | 11.0% - 13.5% annualized | 2% - 3% | 8 years | Up to 50% |
| Hospitality (hotel/resort) | ¥500,000 - ¥20,000,000 | Annual interest rate: 11.5% - 14.0% | 2% - 3% | 10 years | Up to 60% |
Interest rates will depend on the property's location, your credit history, income stability, and your cooperation with the 华体会 platform. Existing customers and high-quality properties in first-tier cities usually get lower interest rates.
Unlock the value of your property for your financial needs
Common questions about property mortgage loans
Our property loan experts are ready to support you, helping you obtain the funds you need quickly with favorable interest rates and flexible repayment options.