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Home Loans
Home Advice,DBS Home Advice,home purchase, home purchase HK
1. Sign the provisional agreement for sale and purchase (applicant may request from the bank a verbal appraisal of the property value in advance) ![]() 2. Apply for a mortgage loan from the bank (ask for a closing period of not less than 45 days if applying for a mortgage loan which Loan-to-value ratio above 60%, to ensure sufficient time to apply the Mortgage Insurance from The Hong Kong Mortgage Corporation Limited) ![]() 3. Provide the necessary documents to the bank (including the provisional agreement for sale and purchase, Identity Card copy and income proof) ![]() 4. Processing of the mortgage loan application by the bank ![]() 5. Upon approval, the bank will issue to the applicant a Facility Letter, which will set out the mortgage interest rate and other terms and conditions ![]() 6. The solicitor who acts on behalf of the bank will prepare the Deed of Mortgage to be signed by the applicant (a joint solicitor may be used to represent both the bank and the applicant) ![]() 7. The solicitor will arrange with the bank for the drawdown of the loan to complete the transaction |
When everything is alright, you can get ready for moving into your new home. You need to apply for water and electricity supplies, telephone service, broadband connection, mail redirection and so on. So, for your easy reference, below is a table of the contact information of the major residential service entities in Hong Kong:
Commercial / Public service | Enquiry hotline | Website |
---|---|---|
CLP | 2678 2678 | www.clp.com.hk |
Hong Kong Electric | 2887 3411 | www.heh.com |
Towngas | 2880 6988 | www.towngas.com |
Water Supplies Department | 2824 5000 | www.wsd.gov.hk |
PCCW | 1000 | www.pccw.com |
Hutchison Global Communications | 3166 3333 | www.hgc.com.hk |
New World Telecommunications | 1239 | www.newworldtel.com |
Hongkong Post | 2921 2222 | www.hongkongpost.com |
i-cable | 1832 832 | www.i-cable.com |
Hong Kong Broadband | 128 100 | www.hkbn.net |
Netvigator | 1000 | www.netvigator.com |
NOW TV | 2888 1888 | www.now.com.hk |
Rating and Valuation Department | 2152 0111 | www.rvd.gov.hk |
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