Investor Mortgage

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You will normally need to provide the following documents when you submit your mortgage application.

For application under individual name(s)

• Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgagee bank showing the last three month's payments, AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing your salary deposits for the last three months
• Proof of your employment, which could be:
  - your latest tax demand note, OR;
  - your latest employer's tax return note, OR;
  - other income proof documents issued by your employer.

For an application under the name of a shell company

• Hong Kong ID Cards or passports of all guarantors
• For a newly purchased property:
  - Provisional or Formal Sale & Purchase Agreement
• For refinancing an existing mortgage against a property you already own:
  - repayment records from your existing mortgage lender showing the last three months' payments,  AND;
  - the repayment schedule for your existing mortgage, AND
  - address proof for self-occupancy, if applicable
• Bank statements showing each guarantor's salary deposits for the last three months
• Proof of each guarantor's employment, which could be:
  - the latest tax demand note, OR;
  - the latest employer's tax return note, OR;
  - other income proof documents issued by the guarantor's employer.
• Business Registration Certificate or Certificate of Incorporation of the shell company
• Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount

To change your mortgage plan, contact HSBC branch to check your eligibility for other mortgage plans. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers. for details.

Consider it if …

• you are not residing in Hong Kong while you purchase a Hong Kong property
• you have reserved extra fund for higher downpayment as the Loan-to-Value ratio may be lowered if your income is mainly derived from outside Hong Kong
• you are aware of and have prepared sufficient fund for additional government tax (including stamp duty) payment and/or other taxation arrangement (if applicable) which applies to non-resident buying a Hong Kong property
• you understand the potential risk of buying a Hong Kong property while you are not residing in Hong Kong, such as government tax, housing policy and/or currency fluctuation risk

Not consider it if …

• you have not prepared extra fund for downpayment when the Loan-to-Value ratio may be lowered due to your income mainly derived from outside Hong Kong
• you have not arranged fund for additional government tax (including stamp duty) payment and/or other taxation arrangement (if applicable) which applies to non-resident buying a Hong Kong property
• you are not willing to take the potentially higher risk of buying a Hong Kong property while you are not residing in Hong Kong, such as government tax, housing policy and/or currency fluctuation risk

Highlights for your best interest

• You should be aware of the potential risk if you, as a non-Hong Kong resident, apply for a mortgage over a property locating in Hong Kong, for example, government tax and housing policy from time to time applicable to non-Hong Kong residents buying a Hong Kong property, and the lowering of Loan-to-Value ratio for mortgage loan. You should consider the currency fluctuation risk, if the currency of the loan is different to the currency of your income or you need to make cross-border loan repayments
• We will assess your application by making reference to credit report from a credit reference agency "TransUnion Limited", your income proof, other information submitted where applicable as well as the prevailing regulatory requirements in Hong Kong
• To ensure your understanding on your obligation and commitment during the mortgage period, please note and agree all terms and conditions stated in the mortgage loan facility letter including but not limited to the mortgage interest rates, frequency of payment, repayment amount, number of installment and full/partial prepayment term
• Whenever you face financial difficulty in mortgage repayment, an overdue/default interest, on top of normal interest, will be levied. If your payment cannot be resumed to normal, we reserve the right to repossess your property to settle the outstanding mortgage loan amount
• To protect your property from depreciation caused by structural damage resulting from disaster during the mortgage loan period, you are required to arrange fire insurance with an insurance company acceptable by us to provide insurance coverage to reduce the potential loss
• To minimize any unfortunate events affecting your home contents and your ability to repay the mortgage, you could contact us to understand more on related protection