Understanding that home-building
can be one of the most important decisions in your
life, China Construction Bank (Macau) is here to help. Our
Mortgage products give you the choices you need on
loan amount, interest rates and repayment arrangements,
and we are always happy to provide you with solutions
that best fit your financial requirements.
Prime-based Home Mortgage Loan
We offer exceptionally
low interest rate for Prime-based Home Mortgage loan.
You will also enjoy the following benefits as our
- Secure a loan amount of up to 90% of the property value.
- Repayment period up to 25 years.
- Choices of monthly repayments by Fixed Tenor or Fixed Instalment.
HIBOR Mortgage Loan
HIBOR Mortgage Loan is an alternative plan designed to help you capture interest rate movements.
- Able to capture interest rate movements
HIBOR, or the Hong Kong Inter-Bank Offered Rate, is a daily-adjusted interest rate that represents the money market benchmark. By linking your mortgage interest rate to HIBOR, your interest will be recalculated daily. Hence, your mortgage interest can better reflect the interest rate movements of the market.
To protect you from paying high interest due to a drastic increase in HIBOR, the maximum interest rate of our HIBOR Mortgage Loan is capped and there is no minimum interest rate. Hence, our HIBOR Mortgage Loan may save you interest.
- Switch-back option
You can switch back to a conventional Prime-based mortgage loan before or after drawing down the loan, giving you greater flexibility.
- Quarterly reviews
To ensure your mortgage loan repayment schedule reflects market interest rate movements, we review your HIBOR mortgage loan's installment amount or number of installments on a quarterly basis.