寶元財務

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Hotline 諮詢熱線：3956 8196
Customer Center客戶專區
We offer a variety of mortgage loan for you, regardless of buying a new house(First mortgage), second mortgage, obtain capital from existing mortgage which has not been completely paid off, mortgage load transfer, etc. No restriction on property age regardless of the type of property, including residential building, village house, tenement house, HOS/TPS flat with premium paid, office, shop, industrial or commercial properties or parking space, etc. The loan amount can be as high as $50,000,000 or over 80% of the property price (Monthly interest rate as low as 0.8%)
◆ Joint owners can apply for loans individually without the consent of the other joint owner of the property.
◆ Express and easy application, all is set within 1 working day.
◆ Welcome cash income and self-employed applications.
◆ Credit history does not affect the approval results and no income proof is required.
◆ No financial statement is required for business.
◆ Few documents are needed, title deeds/mortgage repayment statement, demand for rates, and demand for management fees.
◆ Flexible loan tenure, from 3 months to 20 years. Customers may decide the loan tenure based on their repayment ability.
◆ Property refinancing for obtaining liquidity, e.g. cash flow for business, investment, debt settlement, etc.


我們為閣下提供各類物業按揭，不論新買物業按揭(頭按)、二按、樓宇加按、轉按及現契套現等，都能滿足閣下之所需。

適合各類物業(不限樓齡)，當中包括私樓、唐樓、舖位、工貿工廠或寫字樓等，未補地價居屋貸款亦可(居屋業主私人貸款)
貸款額可高達 $50,000,000或樓價8成以上(月息低至0.8%起)

◆ 聯名業主可單一申請。
◆ 申請簡易，特快批核，一個工作天辦妥。
◆ 歡迎現金收入及自僱人士申請。
◆ 過往信貸紀錄不影響審批結果，可免入息證明。
◆ 做生意無需提供財務報表。
◆ 申請物業貸款只需要準備簡單文件，物業現契/按揭供款單、差餉單、管理費單。
◆ 還款期可靈活安排，年期由短至3個月至長達20年，客戶可根據自己的供款能力決定還款年期。
◆ 可轉按套現，用作生意周轉、短期投資或清繳高息卡數、貸款等。
  • Is it possible to apply for a mortgage loan against a deed of gift?
    送契可否做按揭？
    In general, properties obtained through a deed of gift are eligible for mortgage loans 3 years after the title transferred. Under special circumstances, BY Finance may exercise discretion for transfers less than 3 years.  
    一般情況下送契滿3年便可辦理按揭，特別情況下，本公司亦會彈性處理，少於3年亦可接受申請。
  • Is it possible to sell a mortgage property during the loan tenor?
    貸款期間能否出售物業？
    Customers of BY Finance may request to sell the mortgage property anytime during the loan tenor. The property owner should inform us as soon as he/she and the buyer have agreed on the price and signed the provisional sale and purchase agreement.
    The completion date will be taken as the cut-off date. We will calculate the full amount of the repayment as quickly as possible.
    寶元財務的客戶可在供款期間隨時提出賣出該物業，當業主與買家雙方協議好價錢及簽訂臨時買賣合約後，業主可盡早預先通知我們，我們會以成交日作為截數日，盡快計算全數的還款。
  • Is the loan handled by solicitors?
    貸款手續是否由律師辦理？

    To provide excellent and reliable mortgage loan service to our customers, BY Finance entrusts sizeable law firms  in core business area to handle all loan applications.
    為保證客戶獲得優質可靠的物業貸款服務，本公司會委託位於核心地區的律師行辦理貸款手續。
  • How is BY Finance different from the mortgage loan services offered by banks?
    寶元財務與銀行的物業貸款服務有何分別？
    Credit history does not affect the approval results.
    All is set in one working day.
    No income proof is required, no financial statement is required for business, few documents are needed; title deeds/mortgage repayment statement, demand for rates, and demand for management fees The loan tenure is flexible, from 3 to 20 years. Customers may decide the loan tenure based on their repayment ability.
    過往信貸紀錄不影響審批結果，
    一個工作天辦妥，
    無須入息證明，做生意無需提供財務報表，申請物業貸款只需要準備簡單文件，物業現契/按揭供款單、差餉單、管理費單。還款期可靈活安排，年期可短至3個，客戶可根據自己的供款能力決定還款年期。
  • Is it possible for existing customers of BY Finance revolve his/her loan?
    如果正在寶元財務做貸款，可否循環再借？
    Yes. If you are existing customers of BY Finance, we will set up a stand-by credit limit for you to shorten the re-approval process. This can quickly help property owners to solve their urgent funding needs.
    可以。如果已經成為寶元財務的客戶，我們會為客戶設立備用信貸額，減省重新審批的程序，更快捷幫助急需資金周轉的業主。

BY Finance is a finance company formally established under the Hong Kong Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong). BY Finance uses its ample resources and professional experience to provide the properties owners with speedy, convenience, and sincere property loan service.

BY Finance is a wholly-owned subsidiary of PC Securities Financial Group (PCSFG). Found in 2001, PCSFG presence in Hong Kong, Singapore, Taiwan. Through its members, PCSFG business covers the Asia pacific region by providing diversified and dynamic financial products and services, include Securities, Insurance, Funds, Asset Management, Wealth Management, Offshore Family Trust, Global Properties, Investment Immigration, Business Consulting, etc. All PCSFG members are licensed or verified by related regulatory authorities.

Recently, PCSFG focus on its credit service business and set up BY Finance. With its diversified products and services, PCSFG has acquired a wide range of credit and real estate related information and network, strive in developing a speedy, convenience and brand new platform between banks and other financial institutions to provide professional, flexible and sincere property loan services to customers.



寶元財務是根據香港放債人條例（香港法例163章）正式成立之認可財務公司，本公司運用其優厚資金及專業經驗，致力以「真誠、真心、真意」為業主提供快捷資金周轉的機會。

寶元財務為寶鉅證券金融集團（「寶鉅」）全資附屬公司，寶鉅於2001年成立，於香港、新加坡、台灣皆有據點，旗下成員分別提供證券、保險、基金、資產管理、財富管理、離岸信託、全球置產、投資移民、企業諮詢等業務，更全部領有相關監管機構發出的牌照或資格。

寶鉅近年致力於發展財務信貸並成立寶元財務，憑藉其多元化的產品及服務，累積了大量地產市場、物業信貸有關資訊及人脈資源，在銀行和一般財務機構之間建立一個嶄新而又便捷的物業貸款平台。貫徹樂於助人的形象及致力解決各業主燃眉之急的宗旨。