經絡按揭轉介 3.3.5

The mReferral App serves as a comprehensive resource for property and mortgage needs, offering tools to compare various mortgage plans with low interest rates, access up-to-date mortgage information, and address common concerns during the home buying process.

The application features three key calculators designed to assist users in financial planning:

• Mortgage Calculator: Allows users to input mortgage amount, repayment period, and interest rate to estimate monthly repayments, total interest expenses, and stamp duty obligations. This tool is applicable for both first and second mortgage scenarios.
• Refinance Calculator: Enables comparison of existing and new mortgage plans by inputting respective details to determine potential cash-out amounts and changes in monthly payments. It also includes an early settlement calculation feature.
• Affordability Calculator: Assists users in estimating the maximum property price they can afford based on desired mortgage amount and LTV ratio, along with income requirements and stress test considerations.

The app also incorporates functionalities aimed at streamlining the mortgage application process:

• Mortgage Application: Utilizes API technology to facilitate direct applications to partnering banks, ensuring a swift and convenient process.
• Property Valuation: Provided through Bank of China (Hong Kong), this service allows users to obtain current property valuations by entering the property address.
• P-loan Application: Offers a platform to compare selected P-loan plans with competitive interest rates. Users can apply instantly for loans up to HKD 3 million, with flexible repayment periods from 3 months to 10 years and APRs ranging from 2.99% to 8%.

It is important to note that mReferral does not offer or endorse any specific mortgage or P-loan products. Instead, the app provides free referral services, connecting clients with product information from our partner banks and financial institutions. The details, offers, and privileges displayed are provided by these partners and are subject to their respective terms and conditions. Some institutions may impose handling fees. Final decisions regarding product terms are reserved by the providers and may change without prior notice.