Personal Instalment Loan
1. What types of loan product does Ample provide?
Ample provides the loan products including Personal Loan (Loan for Higher Education Students), Property Loan, Employee's Compensation & Personal Injury Loan, Tax Loan and more.
2. What is the basic requirement for personal loan application?
You have to be a Hong Kong resident with age over 18 who is currently employed or self-employed.
3. What kinds of payment methods are available?
Repayment can be made through bank autopay or at office in cash or cheque. For details, please click here.
4. What documents are required for a loan application?
- Hong Kong Identity Card
- Employment Info, e.g.,company's phone no, address and more
- Current residential proof, e.g., utility bills, bank statement
- Any other documents or certificates deemed appropriate
5. Can I apply for a loan without any income proof or Cash payroll?
Yes. We will make an exemption for the applicant subject to individual cases.
6. Will my loan application be disclosed to my family or friends?
Never. In accordance with the terms of the Personal Data (Privacy) Ordinance, all your information will be kept strictly confidential. For details, please click here.
7. Do I have to inform you of any changes in my home address or company?
According to the loan agreement, the lender has the responsibility to provide the updated personal information. Lenders are required to inform our company of any information change through this website ﹅ telephone or by post within 14 days.
8. What can I do if I have further enquiry?
You can contact our Customer Services Hotline at 3955 0008 or visit our office. For details, please click here.
   
Property Loan
1. How can I get a cash out with a Title Deed?
You can get a cash out with a Title Deed by applying our First Mortgage Loan with no limitation on the age of the property. The application procedure is simple and easy. The legal fee for processing the mortgage will also paid by Ample.
2. Can I apply for a Second Mortgage Loan with Ample if I have already taken a First Mortgage Loan with another financial institution?
If you have taken a First Mortgage Loan with another financial institution, you can still apply for the Second Mortgage Loan with Ample. You do not need to pay off the First Mortgage Loan nor to submit the Title Deed. The loan amount will be ready for you in three working days, the soonest.
3. How long does it take for Property Loan application to process?
Normally, it takes three working days.
4. Do I need to pay for the legal fee for Ample Property Loan application?
No. Ample will pay for the legal fee required by the processing of mortgage or loan agreement. Therefore, home owners can do the financing with no hassle.
5. What kinds of property does Ample accept for applying Property Loan?
Ample accepts properties from residential, industrial and commercial office, shop, old tenement building, land, car park to all kinds of village house including indigenous resident housing with no limit on the age of properties.
6. What documents are required for applying Property Loan?
- Hong Kong Identity Card
- Current residential proof, e.g., utility bills, bank statement
- Provisional Agreement for Sales and Purchase (application for
 First Mortgage Loan only)
- The latest mortgage repayment schedule (if any)
- Income proof or Rental income
- Employment proof
- The latest Rates and/or Government Rent Demand Note
7. Can I apply for a Property Loan if I have no income proof but a property of my own?
Yes. We will make an exemption for the applicant subject to individual cases.
8. How can I get a valuation for my property?
You can contact our Customer Services Hotline at 3955 0008 for a free property valuation service.
9. Does Ample accept early partial payment?
Yes. But you have to fulfill the minimum payment requirement.
10. Can I put the property for sale during the repayment period?
Yes. Simply notify Ample the date of closing as soon as possible and we will arrange the cut off date to be the same as the date of closing.
11. Can I apply for a loan in over 60 years of age or as a retiree?
Yes. Only a young and who are able to work is required as a guarantor for the loan. For applicants who are over 60, have to provide proof that who is still the ability to work, at this situation, you may apply for a loan without a guarantor.
12. Will my record be discharged from The Land Registry after I have settled the Property Loan?
In one to two weeks' time after your Property Loan is settled, Ample will inform you the arrangement regarding the Discharge of Mortgage.
13. Does Ample accept loan application for Deed of Gift property?
Yes, we accept application for Deed of Gift property of over 5 years.