House Owner Special Loan, no premium is needed Enjoy the same special benefits of Second Mortgage Loan for properties under Home Ownership Scheme and Sandwich Class Housing Scheme while no premium is being paid Welcome Second Mortgage Loan for properties under Home Ownership Scheme or Sandwich Class Housing Scheme while premium is being paid Higher loan amount will be granted to applicant who can provide concrete proof of income Simple application procedure and speedy approval Flexible repayment terms (with fixed instalment or revolving payment options) Legal fee for processing the loan agreement is to be paid by UAF No early repayment penalty No handling fee Free Valuation Service by UAF Customer Services Officer will be provided upon request (Customer Services Hotline : 2681 8888)

Case 1:

Joe has a passion on coffee and has been working in his friend’s café as barista. His friend was planning for immigration and offered to sell the café to him in a relatively low price. After Joe’s careful evaluation, the selling price was reasonable and with so many customers now, the business will be good in the future. However, Joe did not have enough capital and his friend recommended him to apply for UAF Property Loan.

Joe used his “Home Ownership Scheme” flat for applying UAF unsecured personal loan and had successfully got approval of HK$510,000 loan amount. The whole application process is very quick. The legal fee is waived and no handling fee was charged which banks will mostly charge.

“I have never thought that I can open my own café! UAF has helped to make my dream come true! I have just learnt latte art in Italy and this technique has attracted many young customers,” Joe said it proudly.

Case 2:

Ms Wong has set up a beauty and slimming centre few years ago. Recently, Ms Wong wanted to introduce a famous “Skypro 360” slimming product from Japan to further improve the sales. This product was very expensive and she didn’t have enough cash. She then tried to use her “Home Ownership Scheme” flat to apply mortgage from bank but a high premium has to be paid.

When Ms Wong was about to give up, she came across a UAF Property Loan advertisement and learnt that she can make use of her “Home Ownership Scheme” flat for applying unsecured personal loan. The application procedure from submitting form to getting approval is a lot easier and faster than banks.

Ms Wong said excitingly,“ UAF approved HK$900,000 loan amount and HK$150,000 “e-Cash Revolving Loan” to me in a short period of time and I just need to re-pay around HK$30,000 per month. After purchasing the equipment, our business grew dramatically. Thanks for UAF.”