Lokson 貸款服務

This app provides simple and fast loan application services:1) Instant phone call or Whatsapp contact and application2) The loan calculator calculates the monthly repayment amount, total interest and total repayment amount3) Fill out the online form and apply immediately4) Loan without any handling feePrecautions:＊No need to log in or register to use＊No need to enter any sensitive personal information such as ID number and personal address＊Does not require your location and address book permissions＊It is necessary to provide information notification and telephone dialing permission for application and contact use＊Simply provide the applicant’s name, contact phone number, loan application amount and loan type to apply.＊All applicant information will only be used for loan application purposes. Your personal contact information will not be sold or shared with third parties. Personal contact information will be processed in accordance with the "Personal Data Privacy Ordinance" of the Hong Kong Special Administrative Region.We provide diversified property mortgage and loan servicesPrivate building / mezzanine / home ownership / public housing / village house / industrial and commercial building / shop / parking space, with full ownership or joint partial ownership, we will tailor a mortgage plan for you. Regardless of incomplete income documents, past bankruptcies or industry connections, we can help you solve problems and provide capital turnoverPrivate Loans/Personal LoansThe loan amount can be up to 21 times the monthly salaryPersonalized interest rates are determined based on credit history, with monthly interest rates as low as 0.8%Maximum Annual Percentage Rate (APR) 15%The application procedure is simple and the whole process only takes 2 working days.The minimum repayment period is 3 months to the maximum 96 monthsequity mortgageAll tradable stocks currently on the market can applyNo upper limit on loan amountThe loan amount can be up to 60% of the stock market valueThe annual interest rate can be as low as 4%debt reliefFor some debtors, using the DRP Debt Relief Plan to restructure their debts is even more suitable than an IVA.. The biggest difference is that there is no need to go through legal procedures, and you can negotiate directly with individual creditors.The repayment plan allows the debtor to avoid bankruptcy and resume a normal life under the new repayment method., and pay off the debt within a specified period of years.​Insolvency servicesMost people view bankruptcy as a negative and irresponsible sign. But in fact, it is just the opposite. From the bankruptcy regulations themselvesJudging from the original intention of the legislation, bankruptcy is a kind of life protection for individuals and families. We will follow up with you all the wayAll matters during the two-year bankruptcy period, and follow up on various problems and documents of the four-year bankruptcy to the final bankruptcy discharge orderuntil dispatched. We hope to help you get rid of the debt that has been troubled for many years and live a new life easily.​Bankrupt property untyingWe can handle the cancellation of public housing/HOS/private properties and the redemption of the other half of the property to avoid confiscation of the property. We will professionally handle ownership issues for you.Property mortgage loanThere are no restrictions on property types, age of public housing, HOS flats, sandwich houses (land premium loan paid/not paid), tenement houses, private housing estates, luxury houses, detached houses, village houses, small houses, farmland (land premium paid/not paid) Loans, construction loans), office buildings, industrial and commercial shops, you can successfully apply for mortgage loans, with the loan amount up to 85% of the property’s appraised value.Property remortgage/additional mortgage loanCustomize a second mortgage loan plan that suits you, get a lump sum of low-interest cash for capital turnover, and use the funds to pay off bank cards and personal loans with high interest rates to reduce payment pressure.Payment for property owners of public housing/HOS housing/shousing flatsOwners of full or partial ownership can apply, regardless of property type and age. Property valuations are provided free of charge, and early repayment is free of penalty interest.No additional mortgage payment for unpaid land premium for public housing / home ownership housing / sandwich flatsWe handle all procedures for the Housing Department, Housing Society, and banks, with interest rates as high as 60%, interest rates as low as P-2.5%, and payment periods as long as 30 years. We assist customers in obtaining pre-approval letters from banks. The procedures are transparent. Openly and without any concealment.Small and medium enterprise loansEmployers in any industry can apply. Regardless of the size of the company, as long as they want to expand their business or have emergency turnover, they can apply for a loan. The loan amount is particularly high.China/Hong Kong Large Financing LoansThe following items can be used as financing loans: land, real estate, properties, shopping malls, factories, machinery and equipment. There is no upper limit on the loan amount. Short-term net interest repayment is possible, and the longest repayment period can be more than 5 years.National small amount/housing/car loanBusiness loan: up to $1 million, flexible information, no industry restrictions.Salary Loan: The salary is more than 4,000 yuan for half a year of work. The information is simple (ID card, salary online banking, social security card) and can be repaid in up to three years. The monthly interest starts at 2.2%.Home loan: Only 70% of the property value is required, and the interest rate is 2.5%.Mortgage loan: If the customers property is already mortgaged, the customer can also get a loan minus the mortgage amount. The maximum amount can be approved is $500,000, with a monthly interest rate of 4%.According to the Money Lenders Regulations, the effective interest rate (APR) shall not exceed 48% per annum. The final interest rate available to customers will depend on their personal credit situation and will vary, while the repayment period ranges from 12 months to 60 months. If the loan amount is HK$10,000, the best annual interest rate is 3% and the repayment period is 12 months, the monthly repayment amount is HK$846, the total interest expense is HK$252, and the total repayment amount is HK$10,252.Simple interest calculation methodAssume that a bank provides a borrower with a loan of HK$100,000 at a fixed annual interest rate of 15%. The borrowers total repayment amount after one year will be HK$115,000, which includes the repayment of the principal of HK$100,000. , plus interest of HK$15,000. The calculation formula is as follows:Simple interest = principal x interest rate x timeHK$100,000 x 15% x 1 (year) = HK$15,000If the borrower borrows for 3 years, calculated based on simple interest, the interest for 3 years is HK$15,000 x 3 = HK$45,000.