Most frequent questions and answers
U.K. Buy-to-Let Mortgage: Due to regulation, we don’t lend to U.K. residents.
Japan Mortgage: It can be offered to persons of any nationality.
The loan amount is up to 75% of the valuation amount or purchase price whatever it is lower for new purchase.
For refinance units, we can finance up to 75% of the valuation amount.
Yes. In general, the lending rate is determined by borrower’s risk, lower LTV implies lower risk, lower lending rate should be achieved.
We accept applications from those who do not have a fixed income prove. Our A.I. model and machine learning screening mechanism considers various factors including but no limit to personal, income, social and market factors.
Borrower, regardless a corporation or individual, requires personal guarantee on all transactions.
Building insurance relating to the secured asset is required to complete the transaction. You may check with developer or building management company.
There is no cooling-off period after the loan agreement is signed. Drawdown notice is the final notice to notify the mortgage funder the loan drawdown date.
If the borrower failed to repay, we have the right to deal with the collateral.
According to the law, the lender can force the sale of the property through a private treaty or auction without a court order. The procedure is generally 3 to 6 months.