First Mortgage refers to a new mortgage for the property, which requires the deed of property to be used as collateral for banks or lending institutions. Youxtouch provides you with a more flexible first mortgage loan, of which the maximum loan amount can reach 80% of the property price. Being simple and flexible, it does not require complicated review procedures, and the loan plan is determined according to individual needs. Youxtouch's First Mortgage Loan Plan is not limited to the type of property and the age of the building. Self-employed, retirees or people without proof of income are welcome to apply.
If you already have a property with full mortgage repaid, you can use the first mortgage loan plan of Youxtouch to cash out large amounts of funds for turnover. Since Youxtouch's First Mortgage Loan Plan is easy to apply and can get fast approval, comparing with the bank's complicated approval process, the first mortgage loan plan of Youxtouch can provide you with a more flexible loan service.
If you are a prospective landlord and have not yet successfully obtained approval of the mortgage from the bank, Youxtouch's First Mortgage Loan Plan can help you with the loan in order to avoid the loss of deposit.
Second Mortgage means that the property itself has been mortgaged at a bank or a lending institution, but the owner applies for another loan through the property without pledging the deed of property.
Youxtouch provides you with a second mortgage loan plan, which can add mortgages to the already mortgaged property without pledging the deed of property, being simple and flexible. The review procedure is very simple and the interest is very low.
Youxtouch's Second Mortgage Loan Plan is not limited to the type of property and the age of the building. Self-employed, retirees or people without proof of income are welcome to apply.
If your property's first mortgage loan at the bank has not yet been fully repaid, you can cash out through the second mortgage loan plan of Youxtouch for funds turnover. Since Youxtouch’s Second Mortgage Loan Plan does not require a pledge of the deed of property, and the interest rate is very low, it is popular among owners who are in need of funds turnover.
If your property's first mortgage loan at the bank has not yet been fully repaid, and you need to settle the huge credit card charges, you can cash out through the second mortgage loan plan of Youxtouch for one-time repay the credit card charges. Since the interest on bank credit cards is relatively expensive, comparing with the very low interest of the second mortgage loan plan of Youxtouch, it is smart to use the second mortgage loan plan of Youxtouch to settle the credit card charges.
Property Refinance means that the property itself has been mortgaged at a bank or a lending institution, but the owner transfers the mortgage of the property to another bank or lending institution, mainly because the interest is relatively low.
You only need to provide the loan contract of the original mortgage institution to apply for the property refinance plan provided by Youxtouch, which has very low interest rate.
The Property Refinance Plan of Youxtouch is not limited to the type of property and the age of the building. Self-employed, retirees or people without proof of income are welcome to apply.
If your current mortgage loan program has a heavy interest expense, you are welcome to use Youxtouch's Property Refinance Plan to tailor your personal best interest rate so as to migrate your interest expense. The saved interests amount can bring you extra cash in till.
Synchronized Second Mortgage means that the property itself has been mortgaged at a bank or a lending institution, but because the bank or lending institution underestimates the property, the owner makes a loan through another bank or lending institution to make up for the difference in the valuation. The second mortgage will be synchronized with the first mortgage.
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| Submit your application | Process your application |
Receive result of application |
Visit our office with necessary documentation and sign an agreement |
Get your loan funds |
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Hotline +852 2603 1881 |
Apply online www.youxtouch.com |
youx.finance@youxtouch.com |
Fax +852 2603 2131 |
WhatsApp, WeChat +852 9872 5531 |
