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寶元財務

We offer a variety of mortgage loan for you, regardless of buying a new house(First mortgage), second mortgage, obtain capital from existing mortgage which has not been completely paid off, mortgage load transfer, etc. No restriction on property age regardless of the type of property, including residential building, village house, tenement house, HOS/TPS flat with premium paid, office, shop, industrial or commercial properties or parking space, etc. The loan amount can be as high as $50,000,000 or over 80% of the property price (Monthly interest rate as low as 0.8%)
Joint owners can apply for loans individually without the consent of the other joint owner of the property.
Express and easy application, all is set within 1 working day.
Welcome cash income and self-employed applications.
Credit history does not affect the approval results and no income proof is required.
No financial statement is required for business.
Few documents are needed, title deeds/mortgage repayment statement, demand for rates, and demand for management fees.
Flexible loan tenure, from 3 months to 20 years. Customers may decide the loan tenure based on their repayment ability.
Property refinancing for obtaining liquidity, e.g. cash flow for business, investment, debt settlement, etc.


我們為閣下提供各類物業按揭,不論新買物業按揭(頭按)、二按、樓宇加按、轉按及現契套現等,都能滿足閣下之所需。

適合各類物業(不限樓齡),當中包括私樓、唐樓、舖位、工貿工廠或寫字樓等,未補地價居屋貸款亦可(居屋業主私人貸款)
貸款額可高達 $50,000,000或樓價8成以上(月息低至0.8%起)

聯名業主可單一申請。
申請簡易,特快批核,一個工作天辦妥。
歡迎現金收入及自僱人士申請。
過往信貸紀錄不影響審批結果,可免入息證明。
做生意無需提供財務報表。
申請物業貸款只需要準備簡單文件,物業現契/按揭供款單、差餉單、管理費單。
還款期可靈活安排,年期由短至3個月至長達20年,客戶可根據自己的供款能力決定還款年期。
可轉按套現,用作生意周轉、短期投資或清繳高息卡數、貸款等。

BY Finance is a finance company formally established under the Hong Kong Money Lenders Ordinance (Chapter 163 of the Laws of Hong Kong). BY Finance uses its ample resources and professional experience to provide the properties owners with speedy, convenience, and sincere property loan service.

BY Finance is a wholly-owned subsidiary of PC Securities Financial Group (PCSFG). Found in 2001, PCSFG presence in Hong Kong, Singapore, Shanghai, Taiwan. Through its members, PCSFG business covers the Asia pacific region by providing diversified and dynamic financial products and services, include Securities, Insurance, Funds, Asset Management, Wealth Management, Offshore Family Trust, Global Properties, Investment Immigration, Business Consulting, etc. All PCSFG members are licensed or verified by related regulatory authorities.

Recently, PCSFG focus on its credit service business and set up BY Finance. With its diversified products and services, PCSFG has acquired a wide range of credit and real estate related information and network, strive in developing a speedy, convenience and brand new platform between banks and other financial institutions to provide professional, flexible and sincere property loan services to customers.



寶元財務是根據香港放債人條例(香港法例163章)正式成立之認可財務公司,本公司運用其優厚資金及專業經驗,致力以「真誠、真心、真意」為業主提供快捷資金周轉的機會。

寶元財務為寶鉅證券金融集團(「寶鉅」)全資附屬公司,寶鉅於2001年成立,於香港、新加坡、上海和台灣皆有據點,旗下成員分別提供證券、保險、基金、資產管理、財富管理、離岸信託、全球置產、投資移民、企業諮詢等業務,更全部領有相關監管機構發出的牌照或資格。

寶鉅近年致力於發展財務信貸並成立寶元財務,憑藉其多元化的產品及服務,累積了大量地產市場、物業信貸有關資訊及人脈資源,在銀行和一般財務機構之間建立一個嶄新而又便捷的物業貸款平台。貫徹樂於助人的形象及致力解決各業主燃眉之急的宗旨。