What happens after you send an enquiry
From the Hong Kong form or WhatsApp to a staff check and written confirmation. Sending the form is not an approval.
The first step only leaves details
The form or WhatsApp records the product, an approximate amount, and a phone number. A second mortgage or owner loan also needs the property address. The point is so staff know how to reach you. It is not an automatic approval and it does not release money.
Use your own phone. If the details are incomplete or you cannot be reached, the enquiry stays there. Sending the form again and again does not improve the chance of approval, and repeated traffic can look abnormal.
The second step is a check
Staff may call to confirm who you are and what you need. Use 3622 2934, which you dial yourself, to check that the call is real, especially if fees or verification codes come up immediately. You can ask what is still missing, and you can refuse information that has nothing to do with the enquiry.
A WhatsApp thread can be followed up. The thread is not the loan contract. The contract is the document you sign, with amount, rate, fees, and repayment.
Assessment comes third
The review looks at the product, repayment ability, and, where there is security, the property. The result may be that it cannot continue, that the amount is lower than you typed, or that it continues on written terms. All three happen. An example in an article does not skip this step.
APR must not exceed 48%. If you reach a written offer, check the flat rate, the APR, the fees, and the total. Do not look only at the first month.
You can stop before you sign
Until you sign, you can stop. Time already spent explaining your situation is not a reason to borrow. A line that the quota expires today is not a reason to skip the documents. Deadline pressure is a sales tactic, not your consent.
If you need a family member or a solicitor to read security documents, say so. A second mortgage or owner loan should not be signed without your own legal advice.
After signature, follow the document
Once you sign, the money has to be repaid as the document says. Delay has the consequences written there. A secured loan can also affect your control of the property. Pay on time and keep receipts.
If a repayment account differs from the one in the document, call the hotline before you transfer. Do not follow a mid-stream instruction to pay a personal account.
Related enquiries
Related guides
Before you read
Warning: you have to repay your loans. Don’t pay any intermediaries.
China Prestige Capital is a licensed Hong Kong money lender, licence 1848/2025. Enquiry and complaint hotline: 3622 2934. We are not a bank and not an SFC-licensed corporation. We do not take deposits or provide securities or asset-management services.
Under the Money Lenders Ordinance, the APR must not exceed 48%. The HK$20,000 example on this site is illustrative only: monthly flat rate 0.052%, APR 1.15%, 12 months, no handling fee, monthly interest HK$10.4, total repayment HK$20,124.8. Your rate, amount, and term are assessed individually and confirmed in writing.
Sending an enquiry, or reading an article, is not an approval. A second mortgage or owner loan is secured on property. Default may lead to enforcement and sale. Obtain your own legal advice before signing any security document.