Unsecured Property Owner Loan

All property owners including private property, HOS and public housing owners are eligible for applying Unsecured Property Owner Loan. No collateral of property deed is needed.

AI initiates the best loan solution.

Cloud computing Simplifies the evaluation process. Initial evaluation is provided as fast as 15 minutes

Handling fees, legal fees, and valuation fees are exempted.

Loan amount can reach up to

HK$ 2 Million

Repayment period up to

120 Months

Apply Loan

The above personal loan services are subject to Terms and Conditions. Limited to eligible customers who have been verified and confirmed online. All personal loan applications are subject to final approval.

Explore new possibilities

$2 millions loan amount without collateral of property deed.

No need registration in the Land Registry

K Cash provides personal loan to property owners. You can apply unsecured property loan as long as you are owner of private housing estate, purchased public housing estate or housing under the home ownership scheme. No collateral of property deed is needed for applying Unsecured Property Owner Loan. Loan amount is up to $2 million.

Exemption of registration in the Land Registry.
Approval can be done as fast as same day application.
Handling fees, legal fees and valuation fees are waived.

Unsecured Property Owner Loan with high loan amount

Yes! K Cash’s here to help. Easy to apply Unsecured property owner loan.

We offer help with the use of AI

Digital loan system automatically analyzes and provides objective Unsecured Property Owner Loan with high loan amount. Loan amount is offered as high as possible, depending on the property status. Our branches are located in Kowloon, Hong Kong Island and New Territories. Getting cash 7/24.

Approval can be made as fast as 30 minutes

Regardless of whether you are owner of private housing estate, purchased public housing estate or housing under the Home Ownership Scheme, no collateral of property deed and registration in the Land Registry are needed for applying Unsecured Property Owner Loan. You can either visit our branch for application or apply online.

Application process is transparent. No hidden fees are charged.

Cash can be loaned out as much as applied. No handling fese and hidden fees are charged for loan application. Legal fees and valuation fees are exempted.

We offer help with the use of AI

Approval can be made as fast as 30 minutes

Application process is transparent. No hidden fees are charged.

Cash can be loaned out as much as applied. No handling fese and hidden fees are charged for loan application. Legal fees and valuation fees are exempted.

Apply Loan

Comprehensive Customer Service Support

Utilizing big data, we customize the actual annual interest rate to suit your specific needs. Through the implementation of innovative applications and precise calculations, we design personal loan programs that offer optimal flexibility in repayment.

Instant Chat

K Cash customer service is available during office hours to provide real-time assistance with any loan-related inquiries. Feel free to reach out to us via WhatsApp to help you resolve any questions or concerns you may have.

Only Hong Kong permanent residents who are at least 18 years old are eligible to apply for a loan. Applicants are required to authorize K Cash to obtain their most recent credit report for loan approval purposes.

Business hours Please wait for office hours

Monday to Friday 09:00 - 19:00

Closed on Sundays and public holidays

Start conversation with Whatsapp message

Please leave information and officer will reply soon

We understand that you have a packed schedule and various needs. Please leave your contact number and convenient time, and we will call during our available time to assist you with any loan-related requirements.

All information collected will be kept confidential and will only be used for loan application purposes.

Getting emergency cash without remortgaging my property

My mom was admitted to hospital for an emergency surgery. It’s hard to borrow such high amount from friends. A friend referred K Cash to me. I could get cash by applying Unsecured Property Owner Loan without collateral of property deed. It took only 24 hours from application to cash withdrawal.

Loan amount

$200,000

Repayment period

36Months

Monthly Payment

$6,643

- Mr Wong, owner of public housing estate

Need cash for my son to prepare a grand wedding

I am so happy that my son is getting married, and I wanted to support him for a grand wedding. I found K cash on internet and stated that no collateral of property deed is needed for applying loan. There is no hidden charge on loan application and I could withdraw cash in just 2 days after my application.

Loan amount

$100,000

Repayment period

36Months

Monthly Payment

$3,616

- Ms Lau, owner of private property

Need to pay for staff salary even in bad econnomic environment

The revenue has dropped but the operation cost has been going up. My company’s cash flow become very tight. After Comparing offers of different loan providers, I decided to seek for K Cash's help. Application could be made online. no collateral of property deed was needed. I could get cash just in the second day after application. It was very convenient.

Loan amount

$800,000

Repayment period

60Months

Monthly Payment

$17,796

- Mr Lung, owner of housing under the Home Ownership Scheme

*the above exmaples of loan plan are for reference only. Customers could reserive the final interest rate, it will be determined by the individual's creditworthiness.

Take an extra step for your privacy security

Blockchain technology protects data privacy

K Cash employs the highest level of confidentiality in technology to collect, process, and protect customer data to ensure the integrity of customer information and prevent tampering. Additionally, K Cash applies blockchain technology to implement an employee identity authentication system, reducing the risk of potential customers engaging in transactions with impersonators or fraudulent employees.

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in the market

document loan

steps to proceed

Take an extra step for your privacy security

FAQ

Wha documents are needed for applying loan online on K Cash?

The application only requires simple documents, including your Hong Kong permanent identity card, proof of residential address within the past three months and bank records.

Is collateral of property deed needed?

All property owners including private property, HOS and public housing owners are eligible.

What kind of fees is charged by K Cash? Are there any hidden charges other than loan interest?

We promise not to charge for hiddenfees sunch as application, Guarantee, photocopying, or referral fees. All handling fees are exempted. Unless customers accept the loan, there will be no charge on neither application case of being cancelled, rejected or approved. We also do not charge for any realted fees caused by negotiation or approval of loan. We do not have hidden fees other than loan interest. All terms and conditions are clear.

How to track the loan application progress?

K Cash provides transparent process of online loan application. Customers can login www.kcash.hk anytime to track the application progress, account status and record, etc.

if holding a joint property, does customer need to apply Unsecured Property Owner Loan together with all other joint tenors?

It is not necessary for the applicant to apply Unsecured Property Owner Loan together with all other joint tenors. If there is such need during evaluation , we will inform it to customer. Terms and conditions apply, which are subject to the final approval.

Unsecured Property Owner Loan for private housing estate

Unsecured Property Owner Loan for purchased public housing estate

Unsecured Property Owner Loan for housing under the Home Ownership Scheme

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The only 7x24 "online + physical" AI self-service unsecured personal loan experience in Hong Kong.

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