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Loan Products
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Property Owner Loan
Property Owner Loan
Flexible Financing: Open Up a World Full of Opportunities
Large Loan Amounts
Easily Obtain Large Loans
No Collateral Loans
Waiving Property Deeds, Legal Fees, and Processing Fee
Flexible Repayment Terms
Up to 108 Months
Designed specifically for homeowners, our unsecured loan program eliminates the need for property deeds, legal fees, and processing fees, simplifying the borrowing process and reducing financial burdens. We offer flexible repayment options to make your life easier. Apply now and enjoy a flexible loan experience!
Home Ownership Scheme (HOS) Owner Personal Loan
— Cash Out Without Land Premium
Home Ownership Scheme (HOS) Owner Personal Loan
— Cash Out Without Land Premium
Funki offers tailored personal loan solutions for Home Ownership Scheme (HOS) owners who have not paid the land premium. No title deed or property mortgage is required. Applicants can access higher loan amounts at competitive rates to meet short-term funding needs. As the loan does not involve refinancing, existing mortgage terms and property rights remain unaffected.
Public Housing Owner Personal Loan
— No Title Deed, Fast Approval
Public Housing Owner Personal Loan
— No Title Deed, Fast Approval
Designed for owners under the Tenants Purchase Scheme, this flexible loan option allows quick access to funds without title deed submission, legal fees, or property collateral. Funki's streamlined approval process enables public housing owners to obtain financing efficiently without affecting existing ownership arrangements.
Fully Online Cash
Loan Application
“Easy Funki Easy Money”
Loan Calculator
Loan Amount
HK$
HK$5,000
HK$200,000
HK$500,000
HK$1,500,000
Repayment Period
24
Month
6Mth
24Mth
48Mth
108Mth
1. The loan amount should be between $5,000-$1,500,000.
2. Customers can freely choose the payment period from the shortest
6 months to the longest 108 months.
2. Customers can freely choose the payment period from the shortest
6 months to the longest 108 months.
Monthly Repayment :
HK$22,583
Customer Success Cases
Read More
FAQs
1.
Yes. However, conventional HOS mortgage applications are often subject to time‑consuming procedures related to land premium payment and approval. For clients requiring timely financing, Funki provides a streamlined HOS Owner Loan with expedited approval. This facility does not require property collateral or land premium settlement, offering a convenient unsecured funding solution for HOS owners.2.
Yes. Purchase eligibility is limited to estates under the Tenants Purchase Scheme. New tenants who purchase their flats within two years of the tenancy commencement date may be entitled to special purchase concessions. Subsequently, if additional liquidity is required, owners of unpaid land premium units may apply for Funki's Public Housing Owner Personal Loan, which eliminates complex approval procedures with the Housing Department and enables faster fund disbursement.3.
No. Funki offers unsecured personal loan solutions for both HOS and public housing owners. Applicants are not required to pledge property or submit title deeds, ensuring flexible and accessible financing support.Interest rates may vary depending on the customer's financial position and repayment record. The maximum annual percentage rate (APR) 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. Using a loan amount of HK$1,500,000 as an example, with repayment period of 12 months and APR of 5.8%, the monthly repayment amount is HK$128,900, the total repayment amount is HK$1,546,800, and the total interest paid is HK$46,800, excluding any fees.
*Funki Finance Limited reserves its absolute right on any loan approval decision and any disputes.
*Offers subject to relevant terms and conditions.
*Required to provide ID proof & all necessary documents