經絡按揭轉介 vs Octopus 八達通

The brand new mReferral App is your good property and mortgage partner, helping you to compare the low interest rate mortgage plan, introducing you with the latest mortgage information and solving your problems on home buying. This app provides you with 3 calculators calculating mortgage expenses, affordable property price and cash-out amount after refinancing. 1) Mortgage calculator Input mortgage amount, repayment period and interest rate to calculate the monthly repayment amount, interest expenses and stamp duty values. It is applicable to first mortgage and second mortgage plan. 2) Refinance calculator Input existing mortgage plan and new mortgage plan details to calculate cash-out amount and change in monthly repayment amount. It is also equipped with early settlement calculation function. 3) Affordability calculator Input mortgage amount and LTV ratio to calculate the affordable property price, income requirement and stress test requirement. 4) Mortgage application With the API technology, applicants can apply for mortgage application from banks directly. It is fast and convenient. 5) Property valuation This service is provided by Bank of China (Hong Kong), you just need to input the address and you will get the latest property valuation. 6) P-loan application You can compare selected P-loan plans with low interest rate and make your application instantly. The loan size is as high as $3 million with the flexible repayment period ranging from 3 months to 10 years, while the APR is from 2.99% to 8%. mReferral does not provide any mortgage or P-loan products. We only offer free referral services, responsible for introducing mortgage or P-loan information to clients on behalf of our partnering banks or financial institutions. The offers and privileges, listed on our mobile app, are provided by banks or financial institutions and are subjects to terms and conditions. Some financial institutions may charge clients with handling fees, and they reserves the final rights and decisions on changing the product T&C from time to time without prior notice.

Take it easy with the Octopus App! Manage your everyday expenses – top up your Octopus cards, pay online, and reap additional rewards – all with your mobile! Services include: TOP UP YOUR OCTOPUS, CHECK EXPENSES AND COLLECT SUBSIDIES Go cashless and top up your own Octopus cards and even your family’s via Faster Payment System (FPS); check your card’s remaining value and spending records, and collect Public Transport Fare Subsidies GET MOBILE OCTOPUS FOR EXTRA EASE AND CONVENIENCE Add an Octopus to your iPhone or Apple Watch and reload anytime anywhere; style it with your favourite card images! PAY ONLINE WITH OCTOPUS, FOR TRANSPORT, RETAIL AND MORE Purchase MTR, KMB or Sun Ferry monthly pass without queuing; buy at popular online merchants such as supermarkets and fast food restaurants; even pay Government and telecom bills “DOOD REWARDS” PLATFORM – EVERYDAY REWARDS SUPERPOWER! Link your Octopus to wallet to start Dood Rewards and earn rewards effortlessly through everyday spending. Take on Mission and collect eStamps to unlock personalized offers, flash grab, rebate vouchers, and more exciting rewards! SHOP AROUND THE WORLD WITH OUR TWO PREPAID CARDS WITH EASE AND CONTROL Get our prepaid Mastercard and UnionPay QR instantly with just a few clicks. Octopus Mastercard can be used at all online merchants that accept Mastercard; you can also add it to Apple Pay to tap your mobile to pay around the world. Octopus UnionPay QR lets you pay at over 30 million merchants on the Mainland and beyond. You can top up the prepaid cards via FPS to control how much you spend, set daily and per transaction limits, or even turn them off to prevent unauthorized transactions. For more details, please visit www.octopus.com.hk/octopusapp Licence Number: SVF0001