Important notice: Recently, there have been fraudsters impersonating Funki Finance’s staff using phone calls, text messages or instant messaging platform (such as WhatsApp), defrauding customers of their personal information and claiming that it’s for loan application or asking customers repay to third parties’ individual bank accounts.

Funki Finance declared that Funki Finance does not have any connections with the relevant rights violations and fraudulent activities. The fraudulent cases have been reported to the police for investigation. Funki Finance reminds customers not to disclose any personal information or make any payments to suspicious persons. Our company's staff will not ask customers to transfer funds to individual private bank accounts. If you have any doubts regarding the identity of the caller or contact party, please use the 'Funki Telephone Directory Service' to verify the number or call our CS hotline (852) 3955 7100 for enquiry.

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Property Owner Loan

Realise the potential of your home




High Loan Amount

Up to HK$2 million



Joint tenancy can apply by one person



No legal and handling fees


Flexible Loan tenor

Up to 108 months

Any type of property owner can be apply. No mortgage required.

Redefine the Financial World


All done over online to apply for a loan


Loan Calculator

Loan Amount




1. Loan amount should be within $5,000 and $2,000,000.

2. Flexible loan tenor up from 6 months to 108 months.

Monthly Repayment

HKD $ 0


Property Owner Loan

A large amount of property owner loan will make your financial status more flexible!The Newly Married Couple Mr. & Mrs. Wong has purchased a property in recent years. They are working as a ground handling and a flight attendant, and both got fired recently. During the unemployed period, they still need to pay for the mortgage and save some money for the new baby.

The family expenses are a huge financial pressure to them. They noticed that Funki Finance offer large property owner loans do not require mortgage the property. The repayment period is from 6 months to the to 108 months. They have applied and Funki Finance offer them $2,000,000 loan. They have finally settled their financial difficulties.

Mr. & Mrs Wong successfully received a large property owner loan for 72 months tenor, and the Annual Percentage Rate (APR) is 5.8%. The monthly repayment amount is HK$38,678.00 and the total repayment amount is: $2,784,800.00.

Property Owner Loan

The Property Owner Loan is quick and simple. Any owners can apply for it. No mortgage deed, income and credit checks are required. There is no limit to the age of the property. Compared with personal loans, the loan amount is larger, the interest rate is lower, the repayment is flexible, and the monthly net interest repayment can also be selected* The actual annual interest rate is 16.26% (calculated on a 12-month repayment period), and the loan amount is based on the property appraisal. And personal credit status calculation, borrow more than ordinary personal loans to meet different capital needs!

Difference between property owner loan and mortgage loan

The biggest difference is that applying for a property owner loan do not require title deeds and do not require any collateral to approve a second-mortgage personal loan for a property and the interests for a second-mortgage personal loan for a homeowner's property is lower than that of a second-mortgage mortgage.

Simple and easy approval for property owner loan

When applying for a second mortgage, it is possible to go through the mortgage procedures again, such as re-examination of income proof, repayment ability, stress test, etc. However, since the owner's private loan does not need to be mortgaged by the property, it will not be restricted by the requirements of the property mortgage loan, and there is no need to go through the mortgage approval process. Therefore, the application process of the owner's private loan is much easier to approve.

Interest rates may vary depending on the customer's financial position and repayment record. The maximum annual percentage rate is 47.90%. The repayment period is typically from a minimum of 6 months to a maximum of 108 months. Funki Finance Limited reserves its absolute right on the final loan decision.

*Funki Finance Limited reserves its absolute right on any loan approval decision and any disputes.

*Offers subject to relevant terms and conditions.

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  • Money Lenders Licence: 0441/2024
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    Warning : You have to repay your loans. Don't pay any intermediaries.

    Enquiry and Complaint Hotline: (+852) 3955 7100