Renovation loan
Whether it is a new house renovation or a refurbishment, K Cash can help you to build your dream house.
You can choose paying interest only in the first 6-12 installments of renovation loan.
Flexible interest-only installment repayment loan solution
Apply and sign agreement of renovation loan online
All you needed for application are only a Hong Kong Identity Card, a mobile number and simple documents.
Loan amount can reach up to
HK$ 500,000
APR as low as
10 %
Repayment period up to
48 Months
Quick cash
7x24
Withdraw cash anytimeThe 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
Renovation loan installment repayment
Calculate your renovation installment plan now
Eligibility criteria
Holder of Hong Kong Permanent Identity Card | Residential address proof
Document proof of official renovation companies/ Receipt of engineering projects/ Agreement for sale and purchase of building units for newly purchased property
Expenses of your renovation plan
$200,000
Property owner could withdraw up to 1 million!
$100,000
$500,000
Loan ratio
$180,000
90%
Monthly repayment amount (HKD)
12Months
$15,825
36Months
$5,809
You can choose paying interest only in the first 6-12 installments. It's more flexible to use the funds of your renovation plan!
*The above examples are for reference only. The final interest rate will depend on customer’s credit status. Please contact us for more details of lower-interest loan.
***The Net Interest payment plan depends on the actual repayment period, please contact our customer service manager for details.
***The Net Interest payment plan depends on the actual repayment period, please contact our customer service manager for details.
Leveraging Advanced Technology, you can renovate anytime you like.
Smart and reasonable loan
Our digital loan fully utilises accurate big data computing. Customized Annualized percentage rate(APR) and number of installments are customisze and based on your credit status. We help you to build a dream house.
Quick and simple application
It only takes 3 steps to complete the online application. All you need is a Hong Kong Identity Card and a mobile number. Evaluation can be done as fast as 5 minutes. You don't have to wait for planning renovation or buying furniture.
It's convenient to withdraw cash
The large network of branches enables customers to withdraw cash 24/7,even at midnights or in holidays, once the loan has approved.
Smart and reasonable loan
Our digital loan fully utilises accurate big data computing. Customized Annualized percentage rate(APR) and number of installments are customisze and based on your credit status. We help you to build a dream house.
Quick and simple application
It only takes 3 steps to complete the online application. All you need is a Hong Kong Identity Card and a mobile number. Evaluation can be done as fast as 5 minutes. You don't have to wait for planning renovation or buying furniture.
It's convenient to withdraw cash
The large network of branches enables customers to withdraw cash 24/7,even at midnights or in holidays, once the loan has approved.
Our business partner
Please visit the websites of our partnered renovation companies to review their services and showcases.
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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.
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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FAQ
Waht is the requirement for applying renovation loan?
Aged 18 or above, and a holder of the Hong Kong Permanent Identity Card.
What is the largest loan amount can be applied for renovation loan?
Loan out amount of renovation loan is up to $500,000. Maximum loan out amount is 30 times of monthly salary or $5 millions (whichever is lower) if you were K Cash Supreme customer. You can choose paying interest only in the first 6-12 installments. It's more flexible to use the funds of your renovation plan!
What documents are needed for renovation loan application?
The application only requires customers to provide Hong Kong Permanent Identity Card, residential address proof, record of bank statement and document proof of official renovation companies/ Receipt of engineering projects/ Agreement for sale and purchase of building units for newly purchased property for evaluation .
What is the fastest time to get the renovation loan?
Loan application and evaluation can be done as fast as 5 minutes. Loan agreement can be signed online on a self-service basis. 24/7 Cash withdrawal in VTMs located all over Hong Kong.
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K Cash
App
The only 7/24 "online + physical" AI self-service loan experience in Hong Kong.
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