Credit Lending Services

PINS SERVICES

PINS Capital’s Credit Lending Services is a Hong Kong licensed money lender which dedicated to provide direct mortgage funding and consultation services on high value property in Hong Kong. We are proud to be a one-stop service platform for mortgage related business, including the preliminary consultation, asset valuation, credit risk assessment, loan underwriting, mortgage draw-down and the follow-up credit monitors.

We pledge to provide swift and best-in-market mortgage solutions, and we are at capacity to tailor each case to service individual needs for mortgage financing. We take pride in our dedication to provide liquidity to asset acquisition and help clients to capture outstanding return for their investment.

The Credit Lending Services mobilizes not only its own capital, but also that of strategic funding partners and public financial institutions, to facilitate first lien and second lien mortgage lending for credit worthy clients. We commit to a set of flexible credit guidelines (e.g. in asset selection, over-collateralization, performance triggers) and strive to preserve each investment opportunity on behalf of the clients.

TYPES OF LOAN

First Mortgage
PINS Credit Lending Services provide the first lien mortgage lending service to clients which applies to properties whose mortgages have been fully repaid or paid off in one initial installment. Clients can pledge the title deed of such a property to a lender to borrow a first mortgage.

Second Mortgage
PINS Credit Lending Services also focus on providing clients with second lien mortgage lending services with fast and flexible mortgage solutions. This applies to clients who pledge a property whose mortgage has not been fully repaid to borrow a second mortgage, after which clients still need to repay the remaining balance of the first mortgage.

Loan Application Procedures

Success Stories

Success Story 1

Unit is located in Kowloon Station in Hong Kong, sold for $43 million, the bank valuation price is $40 million
Buyer is mainland businessmen, there is no proof to prove the bank recognized source of income and capital
We successfully arrange 80% financing for client
Customers only need to prepare $8.6 million to cover the first phase

Success Story 2

Customers buy several large new disk units are located in the New Territories, totaling $50 million, while guests only delivered 20% down payment
Buyer is mainland businessmen, because guests are not readily mobilize funds, it failed to deal
We successfully arrange 80% financing for client
The entire program by approving the loan only two weeks, so guests can schedule a deal

Success Story 3

Unit is located in a high-quality large-scale high-rise flats in Tsuen Wan, and a feature of the unit at Mobil
Sold for $28 million, $14 million has been borrowing from banks
Buyer is Hong Kong people, because guests are required to borrow on the basis of the original borrowing for business turnover
We successfully arranged an additional $8 million loan

Success Story 4

Unit is single-handedly the new disc in the New Territories, sold for $19 million, bank loans 50%
Buyer is mainland businessmen, due to liquidity problems before the transaction can not meet the deadline to hand in the final payment
We successfully arranged financing, lending an extra 30% of the transaction price
Customers only need to prepare the first phase of $3.8 million

Approval of the results of the above successful cases, the loan amount, interest rate and the repayment period will be determined based on the individual customer's financial situation, the company has a right of final approval.

In case of any dispute, the company reserves the right of final decision.