The Mortgage Application Form is a fundamental document in Hong Kong's property financing process, designed to initiate the formal mortgage application procedure. It serves as the primary information-gathering instrument for lending institutions to assess loan eligibility and comply with regulatory requirements. The form must adhere to various Hong Kong ordinances, including the Banking Ordinance (Cap. 155), Personal Data (Privacy) Ordinance (Cap. 486), and Anti-Money Laundering regulations. It typically includes comprehensive sections covering personal information, financial status, property details, and various consent declarations. This document is essential for both residential and commercial property transactions in Hong Kong, forming the foundation for the lender's credit assessment and subsequent mortgage documentation.
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1. Personal Information: Basic details of applicant(s) including full name, HKID/passport number, date of birth, nationality, and contact information
2. Employment Details: Current employment status, employer information, occupation, length of service, and monthly income
3. Property Information: Details of the property to be mortgaged including address, type, size, purchase price, and current market value
4. Loan Requirements: Requested loan amount, preferred repayment period, and purpose of the mortgage (purchase/refinance/cash-out)
5. Financial Information: Current assets, liabilities, monthly expenses, and other financial commitments
6. Banking Relationship: Existing banking relationships and account information
7. Declaration of Purpose: Statement of intended use of the property and mortgage facility
8. Data Privacy Statement: Consent for collection and use of personal data as per Personal Data (Privacy) Ordinance
9. Declaration and Signature: Applicant's confirmation of information accuracy and acceptance of terms
1. Co-Borrower Information: Additional section for joint applicants or guarantors, including their personal and financial information
2. Property Valuation Authorization: Optional authorization for the bank to conduct property valuation
3. Insurance Requirements: Section for fire insurance and life insurance arrangements, if required by the lender
4. Existing Mortgage Information: Details of current mortgage if application is for refinancing
5. Direct Debit Authorization: Optional section for setting up automatic loan repayments
6. Self-Employed Business Information: Additional section for self-employed applicants requiring business financial information
1. Document Checklist: List of required supporting documents including ID copies, income proof, address proof, etc.
2. Fee Schedule: Breakdown of applicable fees including processing fees, valuation fees, and legal fees
3. Interest Rate Sheet: Current mortgage interest rates and packages offered by the bank
4. Terms and Conditions: Detailed terms and conditions of the mortgage facility
5. Property Information Sheet: Detailed information about the property including floor plans and ownership details
6. Income and Asset Proof Guide: Guide explaining acceptable forms of income and asset documentation
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