|-||Use the Hong Kong Interbank Offered Rate (HIBOR) as its calculation basis which closely reflects the interest rate market trend|
|-||Loan amount up to 90% of the property value#|
|-||Repayment period up to 30 years|
Either 1-month, 3-month or 6-month HIBOR fixed rate period can be selected
|-||Upon renewal of the fixed rate period, a new interest rate will be determined based on the prevailing HIBOR for the next fixed rate period|
|-||Re-financing and top-up mortgage services|
|-||Valuation fee waiver|
|-||Related products and privileges include Home Contents Insurance, Fire Insurance, Mortgage Protection Plan etc.|
||The mortgage loan exceeding 80% loan-to-value ratio under “Mortgage Insurance Program” is only applicable to regular salaried first time home buyers (not holding any residential properties in Hong Kong at the time of application) with debt-to-income ratio up to 45% and subject to relevant guidelines.|
|-||Call our Mortgage Services Hotline at 2806 7222 during office hours*|
|-||Visit our Fubon Bank Branch by bringing along your identity documents, Provisional Sales and Purchase Agreement and income proof (including the recent bank statement of salary record, payroll slip and latest tax demand note)|
We will serve with best effort and help to make your dream home comes true.
|*||Monday to Friday: 9am to 7pm; Saturday: 9am to 1pm (Except public holidays).|
|1.||Fubon HIBOR Mortgage Plan (the "Plan") is only applicable to loan amount which is HK$1,000,000 or above. Actual loan terms will be specified in the documents to be signed by the customers.|
If the mortgage loan amount exceeds 60% of the purchase price or the appraised value of the property (whichever is lower), customers are required to apply for “Mortgage Insurance Program” and be responsible for the premium needed. “Mortgage Insurance Program” is subject to the final approval from HKMC Insurance Limited or QBE Mortgage Insurance (Asia) Ltd.
|3.||The above information is for reference only, the mortgage plans / privileges are subject to the requirements and related terms and conditions prescribed by Fubon Bank (the "Bank"). For details, please contact our Mortgage Hotline at 2806 7222 or the staff of the Bank.|
|4.||The final terms and conditions of the mortgage will be governed by the Facility Letter and other relevant documents signed by the customers. The Bank may at its absolute discretion approve or reject any application for credit facilities and mortgage and may decline any application without assigning any reason.|
The Bank reserves the right to suspend, vary or cancel the mortgage plans / privileges and amend the relevant terms and conditions at its sole discretion at any time without prior notice. In case of disputes, the decision of the Bank is final and conclusive.