Refinance + High-Value Private Loan – Industrial Building Owners Consolidate Debt, Unlocking Higher Credit Limits

Client Background:

Mr. Zhang, a manufacturing owner, owns an industrial building unit (with a high existing mortgage rate) and several private loans, resulting in significant monthly repayment pressure. He hoped to refinance to reduce interest rates and obtain additional funds for operations.

Easy Mortgage Solution:

Easy Mortgage arranged a refinance service for Mr. Zhang, simultaneously approving a high-value private loan for the owner. The entire process required no title deed, and industrial buildings were eligible. The procedures were consolidated into a single application, requiring only three documents.

Result:

The new mortgage rate decreased by 1.5%, and an additional HK$500,000 in cash was approved, bringing the total loan amount to HK$2 million. Monthly repayments actually decreased. Mr. Zhang stated, "The refinance and private loan were handled in one go, without having to search around. Easy Mortgage really helped me."