FAQ
iFi App for Expedited Personal Loan
 What is the iFi App?
The iFi App is a mobile application developed by Master Finance, which combines Fintech elements with a humanized approach to automate loan approvals and disrupt the traditional credit industry. The application, approval, signing, loan transfer, and repayment procedures are simple, and the app provides one-stop processing, real-time information updates for loan status review, and virtual experiences anytime, anywhere.
 Loan Amount & Repayment Period
Flexible loan amounts and repayment periods, depends on applicant’s needs.
 Documentation Required
Eligibility:HK permanent residents aged 18 or above
Requirements:1. Basic Personal Information
2. HK ID Card
3. Postal Address Proof (within the last 3 months with your full name and address included
4. Bank Records (within the last 2 months of transaction records with your full name, address and bank account number included)
Further Information to Help Expedite Your Application:
1. Income Proof (Salary Statements / Cheque Copy)
2. Working Proof (Staff Pass / Employment Contract)
3. Latest Repayment Record for Outstanding Load (Transaction Record / Receipt)
*iFi may request additional documentation or information from clients based on the circumstance of each loan application.
 Approval Time
Once the applicant completes the application, they will typically know the result on the day.
 Repayment Methods
iFi supports repayment via FPS or bank transfer. Simply upload the receipt once the transfer completes.
 How To Delete iFi Account?
You can send the request of account deletion to our support email at cs@ifi.hk and our staff will handle the request as soon as possible.
iFi Incognito Property Owner Loan
iFi Flexi-Mortgage Plans
 Documentation Required for iFi Property Owner Loans
Eligibility:HK permanent residents aged 18 or above
Requirements:1. Basic Personal Information
2. HK ID Card
3. Postal Address Proof (within the last 3 months with your full name and address included
4. Bank Records (within the last 2 months of transaction records with your full name, address and bank account number included)
5. A Recent Rates Bill
6. Mortgage Repayment Chart
*iFi may request additional documentation or information from clients based on the circumstance of each loan application.
 Can one of the owners of a jointly owned property apply?
iFi welcomes all property owners to apply for property loans, whether the property is jointly or independently held.
 Can owners of Tong Lau, older properties, or village properties apply?
iFi’s high flexibility allows loan applications for private residences, village houses, Tong Laus, office buildings, industrial buildings, shops, land, or parking spaces.
 Can I apply if my property is mortgaged with another bank or financial institution?
Yes. iFi will provide the utmost support possible upon receiving relevant mortgage information.
 Can I sell a property attached to an Incognito Property Owner Loan?
Yes. Please notify iFi in advance; the transaction date will serve as the cut-off date regarding your final repayment balance.
 Can I apply if I am a property owner without any income proof?
Property owners are exempt from providing income proof when applying for iFi Property Owner Loans.
 Can I make partial repayments?
Yes. Arrangements can be made as long as the customer meets the minimum repayment amount.
 How is iFi different from other traditional loan services?
Unlike traditional institutions offering loan products, iFi does not check your credit report, and your credit rating will not be affected when you make an application.
 Is iFi by Master Finance an intermediary, or colluding with intermediaries for higher fees?
Master Finance Co. Ltd. has obtained a money lender license issued by the Hong Kong government and has been operating legally and formally, as illustrated by the company's ethos. Master Finance Co. Ltd. will never join forces with malicious intermediaries in the market to harm the rights and interests of customers.
FAQ