For personal applicant, please provide provisional agreement for sale and purchase, Hong Kong Identity Card, latest tax bills for individual income tax, salary statements for the last three months, monthly bank statement or passbook record of a main bank account for the last three months and latest mortgage repayment record (if applicable).

You may access the free property valuation service through the Bank's webpage or Mobile Application or visit any of our branches.

You can apply the “Mortgage Insurance Programme”. Under the programme, loan amount up to 90%* of the purchase price or appraised property value (whichever is lower) is offered.

*Only applicable to eligible person.

You can settle the premium in a lump sum or annually. If a lump sum payment is made, the premium amount will range from 1.15% to 4.35%# of the loan amount, depending on the loan-to-value (“LTV”) ratio, loan tenor and the mortgage type.

#It varies from time to time and subject to the mortgage insurance company.

Our Bank provides "All-You-Want" Mortgage Scheme and "Smart" Mortgage Scheme.

For white form application of Primary Market, the LTV ratio can be up to 90% of the property value; for green form, the LTV ratio can be up to 95% of the property value.For Secondary Market, the LTV ratio can be up to 95% of the appraised property value or purchase price (whichever is lower).

For white form application of Secondary Market, the LTV ratio can be up to 90% of the property value; for green form, the LTV ratio can be up to 95% of the property value.

The maximum LTV ratio for car parking spaces is 40% of the appraised property value or purchase price (whichever is lower).

The maximum loan tenor for car parking spaces is 15 years.

“Reverse Mortgage Scheme” enables the elderly to use their residential properties in Hong Kong as security to borrow from banks. The borrowers will receive monthly payouts from the bank over a repayment term of either a fixed period of 10, 15 or 20 years or their entire life, and can continue to reside in the properties for the rest of their life or until an event of mortgage termination occurs.

Applicant must be a holder of a Hong Kong Identity Card and aged 55 or above. In addition, borrowers are not involved in bankruptcy petition or individual voluntary arrangement.

Our Bank currently provides Secured Overdraft Facility Service to NCB Wealth Management customers. Customers can pledge designated time deposits and designated stocks as security to obtain an overdraft facility. For the details of eligible assets, please visit any of our branches.

Secured Overdraft Facility Service is available for NCB Wealth Management customers, who may visit any of our branches for application.

You only need to bring along identification document, residential address proof and completed Secured Overdraft Facility Application Form for processing the application.

Our Bank provides Bond-Secured Loan. For details, please visit any of our branches.

The maximum loan amount of Bond-Secured Loan is up to 95% of the market value of the bonds.

Our Bank provides Assigned Insurance Policy Loan and Premium Financing to eligible customers, with several kinds of eligible insurance products. For details, please visit any of our branches.

The maximum loan amount of Assigned Insurance Policy Loan or Premium Financing is up to 90% of the surrender cash value^ of the pledged insurance policies. ^The surrender value is displayed in the policy information sheet provided by the insurance company.

Our Bank provides Stock-Secured Loan which is secured by designated stocks. For details of eligible assets, please visit any of our branches.