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Home loan
A. New Purchase:
Whether you are first home buyer or property investor, First Capital Consulting can help you to guide through every single step of the purchasing journey. From estimating purchasing cost, preparing property profile, assisting home loan application and successfully settling the property, we could always be your first contact.
B. Refinance
Why Refinance
You might pay much on your mortgageCurrent promotion from another bank can save you thousand dollarsYour current property can be revalued to get an equity loan. You can use this equity for renovation, invest in shares or invest in another property?You would like to consolidate other debts by borrowing from equity from your property We highly suggest that clients contacts us once you find above situation suit you. It will allow us to assess your current situation to make sure your home loan product is still reasonable.
You might pay much on your mortgageCurrent promotion from another bank can save you thousand dollarsYour current property can be revalued to get an equity loan. You can use this equity for renovation, invest in shares or invest in another property?You would like to consolidate other debts by borrowing from equity from your property We highly suggest that clients contacts us once you find above situation suit you. It will allow us to assess your current situation to make sure your home loan product is still reasonable.
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Construction Loan
A construction loan is a mortgage loan product designed for those who are would like to build a new home or investment property
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Car Loan
A car loan is a personal loan for the special purpose of buying a new or second hand car. Loan term could be 1-7 years. You can either make an initial deposit or leave a balloon(residual) amount to lower your repayment. By the end of the term, you need to pay off the balloon or choose to refinance this amount of money.
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Equipment Finance
Equipment loans include but are not limited to the following types: Commercial vehicles
Trucks and trailers, New energy assets (including energy efficient vehicles and solar PV systems),Prime movers (specialised use including cement mixers, tippers and local transport work),Earthmoving equipment (including excavators and bulldozers),Buses, Agricultural equipment (including tractors and mowers),Material handling and access equipment (including forklifts, mobile cranes and container lifts), Forestry equipment
Trucks and trailers, New energy assets (including energy efficient vehicles and solar PV systems),Prime movers (specialised use including cement mixers, tippers and local transport work),Earthmoving equipment (including excavators and bulldozers),Buses, Agricultural equipment (including tractors and mowers),Material handling and access equipment (including forklifts, mobile cranes and container lifts), Forestry equipment
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Business Loan
A loan to purchase existing business or to start a new business. We also do business loan to satisfy business cash flow needs like unsecured business loan, business overdraft, invoice finance and letter of credit for international trading business.
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Commercial Loan
A loan using commercial property as security, whether it is to purchase a commercial property or using existing commercial property. The usual commercial loans allow borrowing of 65-70% of property value, where some individual cases are able to borrow up to 85%. The loan terms are normally 15 -30 years depending on individual situation. Special securities such as child care centres, hotels, motels, caravan parks and petrol stations are acceptable.