{"id":256,"date":"2024-03-17T02:03:12","date_gmt":"2024-03-16T18:03:12","guid":{"rendered":"http:\/\/ec2-16-162-255-171.ap-east-1.compute.amazonaws.com\/?page_id=256"},"modified":"2025-05-23T14:27:34","modified_gmt":"2025-05-23T06:27:34","slug":"faq","status":"publish","type":"page","link":"https:\/\/agfinance.com.hk\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"ult-spacer spacer-6a0b49ea9042d\" data-id=\"6a0b49ea9042d\" data-height=\"20\" data-height-mobile=\"20\" data-height-tab=\"\" data-height-tab-portrait=\"20\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"185\" src=\"https:\/\/agfinance.com.hk\/wp-content\/uploads\/2024\/03\/ag_faq3-1-300x185.png\" class=\"vc_single_image-img attachment-medium\" alt=\"\" title=\"ag_faq3 1\" srcset=\"https:\/\/agfinance.com.hk\/wp-content\/uploads\/2024\/03\/ag_faq3-1-300x185.png 300w, https:\/\/agfinance.com.hk\/wp-content\/uploads\/2024\/03\/ag_faq3-1.png 400w\" sizes=\"(max-width: 300px) 100vw, 300px\"  data-dt-location=\"https:\/\/agfinance.com.hk\/en\/ag_faq3-1\/\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  faq-title\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h1><span style=\"color: black;\">Professional inquiries,<\/span><span style=\"color: #00bd99; font-size: larger;\">One-stop solution<\/span><\/h1>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div id=\"ultimate-heading-1076a0b49ea91393\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-1076a0b49ea91393 uvc-9967  uvc-heading-default-font-sizes\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-1076a0b49ea91393 h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;color:#164370;margin-bottom:10px;\">Regarding loan application<\/h2><\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>Who is eligible to apply for a watch mortgage loan?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>If you are a Hong Kong resident aged 18 or above and own a luxury watch accepted for mortgage by AG Finance, you are eligible to apply for a watch mortgage loan.<\/p>\n<\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>How much loan mortgage can I get for my luxury watch?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Our VIP loan specialists assess the loan amount based on the value of the pledged watch, along with factors such as residency, employment, and financial status. A watch expert conducts a professional appraisal to determine the most suitable loan amount and repayment period for each customer.<\/p>\n<\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>Is income proof required for watch mortgage loan?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>No income proof is required for a watch loan application. Applicants only need to provide the watch and its accessories (e.g., certificates, watch boxes, and other relevant documents).<\/p>\n<\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>My TU Credit Score is not good. Can I Apply?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>No TU credit check is required, and your credit score will not affect the loan approval process.<\/p>\n<\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>How to apply for watch mortgage loan?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span class=\"hide-in-eng\">\u7533\u8acb\u4eba\u53ea\u9700\u5728\u7db2\u4e0a\u586b\u59a5<a href=\"https:\/\/agfinance.com.hk\/en\/mortgage\/\" target=\"_blank\" rel=\"noopener\">\u7533\u8acb\u8868\u683c<\/a>\uff0c\u6216\u8005<a href=\"https:\/\/wa.me\/85261231888\" target=\"_blank\" rel=\"noopener\">Whatsapp<\/a>\u6211\u5011\u6709\u95dc\u624b\u9336\u7684\u8cc7\u6599\u53ca\u6b32\u8cb8\u6b3e\u984d\uff0c\u5c0a\u8cb4\u7684\u624b\u9336\u5c08\u5bb6\u6703\u99ac\u4e0a\u4f5c\u51fa\u8a55\u4f30\u4e26\u544a\u77e5\u7533\u8acb\u4eba\u8cb8\u6b3e\u8a73\u60c5\u3002<\/span><\/p>\n<p><ul><li>Fill out the online application form or send us a WhatsApp message with details of your watch and the loan amount requested.<\/li>\n<li>Our expert appraisers will promptly assess the watch and provide loan details.<\/li>\n<li>If the applicant accepts the offer, they must visit the AG Finance office in person with the watch, certificate, and necessary documents.<\/li>\n<li>After a comprehensive watch inspection, the applicant can sign the loan agreement and wait for funds to be disbursed.<\/li><\/ul><\/p>\n<\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>How long does it take to get approval for watch mortgage loan?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>If the applicant provides complete watch details and documents, approval can be completed in as fast as 30 minutes. (Processing time depends on the watch type, condition, and applicant\u2019s background.)<\/p>\n<\/div><\/div><div class=\"ult-spacer spacer-6a0b49ea920a1\" data-id=\"6a0b49ea920a1\" data-height=\"40\" data-height-mobile=\"40\" data-height-tab=\"40\" data-height-tab-portrait=\"40\" data-height-mobile-landscape=\"40\" style=\"clear:both;display:block;\"><\/div><div id=\"ultimate-heading-8036a0b49ea920ce\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-8036a0b49ea920ce uvc-1275  uvc-heading-default-font-sizes\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-8036a0b49ea920ce h2'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h2 style=\"--font-weight:theme;color:#164370;margin-bottom:10px;\">Regarding repayment<\/h2><\/div><\/div><div  class=\"vc_toggle vc_toggle_arrow vc_toggle_color_white  vc_toggle_size_md   question\"><div class=\"vc_toggle_title\"><h4>What are the loan repayment options?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p>Customers can repay the loan through:<\/p>\n<p>1. In-Person Cash Payment<\/p>\n<p>2. Online Bank Transfer<\/p>\n<p>&nbsp;<\/p>\n<p><b>Bank Account Details for Payment<\/b><\/p>\n<p>&nbsp;<\/p>\n<p>Company Name: AG FINANCE LIMITED<\/p>\n<p>Bank Name: China CITIC Bank International Limited<\/p>\n<p>Bank Code : 018<\/p>\n<p>Account number: 744-2-23676600<\/p>\n<p>&nbsp;<\/p>\n<p>Please note that cut-off times for payment processing may vary between financial institutions. We recommend confirming the cut-off time with your bank to ensure AG Finance receives the payment before the due date to avoid any late fees or interest charges.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"ult-spacer spacer-6a0b49ea92688\" data-id=\"6a0b49ea92688\" data-height=\"20\" data-height-mobile=\"10\" data-height-tab=\"\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u5c08\u696d\u554f\u984c\uff0c\u4e00\u7ad9\u89e3\u6c7a \u6709\u95dc\u7533\u8acb\u8cb8\u6b3e\u8ab0\u4eba\u53ef\u4ee5\u7533\u8acb\u624b\u9336\u62b5\u62bc\u8cb8\u6b3e\uff1f\u53ea\u8981\u4f60\u662f\u5e74\u6eff18\u6b72\u7684\u9999\u6e2f\u5c45\u6c11\uff0c\u4e26\u64c1\u6709\u5c0a\u8cb4\u8ca1\u52d9\u63a5\u53d7\u62b5\u62bc&hellip;<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-256","page","type-page","status-publish","hentry","description-off"],"acf":[],"_links":{"self":[{"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/pages\/256","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/comments?post=256"}],"version-history":[{"count":24,"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/pages\/256\/revisions"}],"predecessor-version":[{"id":1638,"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/pages\/256\/revisions\/1638"}],"wp:attachment":[{"href":"https:\/\/agfinance.com.hk\/en\/wp-json\/wp\/v2\/media?parent=256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}