ANDO, BUILD WEALTH AT EASE.

ANDO, BUILD WEALTH AT EASE.

Ando Credit provides mortgage loan products including first, second mortgage loan and mortgage transfer loan services. We offer the best rate in the market as low as 1.5-2.5% per month to help our clients overcome the cash flow problems.

Ando’s license number: 3652/2019

Ando Credit provides mortgage loan products including first, second mortgage loan and mortgage transfer loan services. We offer the best rate in the market as low as 1.5-2.5% per month to help our clients overcome the cash flow problems.

Ando’s license number: 3652/2019

MORTGAGE LOAN PRODUCTS

A mortgage is recognised as a highly secure form of collateralized borrowing. The borrower has the obligation to repay the principal and interest to the mortgagee on a periodic basis. The borrower should also bear in mind that the lender has the right to take possession, lease out or sell the secured property to pay off the loan in the event of the borrower defaults on the loan, filed for bankruptcy or otherwise fails to abide by the contract terms.

In recent years, the Hong Kong Monetary Authority (HKMA) has constantly tightened the loan-to-value ratio as well as introducing stress test to ensure the borrower is capable of paying back the loan even if the interest rate increases significantly.

These measures have made the process of applying for home mortgage loans fraught with even more difficulties.

Meanwhile the demand for liquid funds from individuals or businesses borrowers remains keen in China and Hong Kong, securing a property is an effective way to lower the risks of the lender.

WE ARE LEADING THE MORTGAGE LOAN MARKET

$200M

Asset Under Management

$30M

2018 Monthly New Loan

15

2018 Monthly New Case

Procedures for Vetting and Approving Property Mortgage

Inquire into credit record and rating

Calculate interest rate

Disburse loan

Assess the value of the property

Certify by lawyers

Procedures for Vetting and Approving Property Mortgage

Inquire into credit record and rating

Assess the value of the property

Calculate interest rate

Certify by lawyers

Disburse loan

First Mortgage

A first mortgage is the primary lien on the property that secures the mortgage. You will need to transfer the ownership right of the collateral assignment to the bank or lending institution as a security for a loan. We accept any types and ages of property with a loan-to-value ratio up to 70%. Without requiring income proofs or a thick pile of documents, we can approve your applications through phone calls, freeing you from all the complex procedures that banks will require.

We welcome borrowers who are self-employed, retired or applicants unable to provide income proofs. If you have a property that has been fully repaid in full, you can also use it to cash out a large sum of capital through applying our first mortgage loan scheme in order to resolve cash flow problems. Need not stress over complicated approval process operated by the bank anymore; our first mortgage loan scheme is a more flexible financial choice for you.

As long as the property owner fully owns the property, Ando can offer our client a maximum loan amount up to 70% of the property value. We are pledged to approve in 15 minutes and disburse within 24 hours, offer an extremely flexible instalment plan, exempt you from complicated approval process and the trouble of collecting income proofs and related documents. We assure our clients a crisp and clear experience.

Generally speaking, banks are usually reluctant to approve village houses mortgage. This is mainly because supervisions on construction sites of village houses are less strict than those in general private properties, resulting in uneven building qualities of village houses. Ando understands the demand from property owners like you and we welcome owners with any types of village houses to apply mortgage with us.

SECOND MORTGAGE

Second mortgage is a type of subordinate mortgage made against the original home equity which is held by a bank of a lending institution and still in effect. The property owner can apply for a second mortgage against his/her outstanding first mortgage property with a loan-to-value ratio up to 70%. Same-day approval and disbursement – it is that easy and effortless.

Our second mortgage loan scheme allows you to receive refinancing loans based on an outstanding mortgage. Simple approval process comes along with extremely low interest rate. All types and ages of property are welcomed and we do not require you to present proof of income documents. Borrowers who are self- employed, retired or unable to provide income proofs are also welcomed.

TYPES OF PROPERTY

Private properties

No limitation on age of property

HOS Flats

Land premium exemption

Village houses

Reconstructed houses, newly built houses, farmlands, building lots

Private properties

No limitation on age of property

HOS Flats

Land premium exemption

Village houses

Reconstructed houses, newly built houses, farmlands, building lots

LOAN FOR SME OWNERS

Ando is capable of processing your application quickly to resolve your cash flow problems with our flexible short-term loan scheme and low interest lending services for SME owners. We calculate interest rate on a daily basis and offer prime rate for business owners to help reduce costs. Revolving loan is also an available financing tool. With its re-borrowing flexibility, you can manage cash flow even better. Cash out easily with a wide range of real estates that we accept such as private properties, tenement houses, village houses, villas, office buildings, industrial buildings, shops and parking lots. It is that simple.

QUCIK AND EASY MORTGAGE LOAN

Ando’s simplified procedures are nothing like the tedious paperwork and long wait for approval results at banks. We aim to let you cash out money easily in order to overcome cash flow problems. We offer extremely low mortgage interest rate and handle real estate financing services for you including transaction of new property, first mortgage loan, second mortgage loan, refinancing loan on mortgage, mortgage loan transfer, consolidating credit card debts, investment in enterprises or distributing funds. As long as you possess real estates, we can approve your application and disburse money to you instantly.

LEO LAM
CEO of ANDO GROUP

Members of the Group including Ando Credit Limited and Ando Asset Management Limited aim to provide diversified investment and financing services for our private and corporate clients.

TONY WONG
DIRECTOR, ABC COMPANY

Ando provides exceptional professional services by giving expert advice on financial investment.

LEO LAM

CEO, ANDO GROUP

Members of the Group including Ando Credit Limited and Ando Asset Management Limited aim to provide diversified investment and financing services for our private and corporate clients.

TONY WONG

DIRECTOR, ABC COMPANY

Ando provides exceptional professional services by giving expert advice on financial investment.

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