UMH Global Finance & Investment Limited carries on money lending business under Hong Kong's Money Lenders Ordinance (Cap. 163), specialising in first and second mortgage loans, refinancing and SME facilities. Every loan is concluded in a written agreement stating the effective annual rate, the full schedule and the total amount repayable.
A Tsuen Wan money lender serving property owners and small businesses.
UMH Global Finance & Investment Limited is a Hong Kong company licensed to carry on money lending business under the Money Lenders Ordinance. Its office is in the Kolour · Tsuen Wan I commercial tower on Chung On Street, above the Tsuen Wan MTR interchange.
The company's work is concentrated where it has experience: loans secured on Hong Kong property — first and second mortgages and the refinancing of existing charges — and working facilities for small and medium enterprises whose files fall outside bank scorecards.
The company is not a bank and takes no deposits; it is not an investment adviser and manages no one's money. The word "Investment" in its registered name refers to the deployment of the company's own capital in its lending business — it is not an offer of investments to the public, and the company accepts no funds from the public.
No rates are published: the effective annual rate, the schedule and the total repayable are stated in writing for each loan before signature.
Loans secured by a first legal charge on Hong Kong residential or commercial property, sized against the property's value and the borrower's capacity to repay.
Subordinate charges behind an existing bank mortgage, releasing equity without disturbing the first loan.
A second charge may require the first mortgagee's consent — check your existing loan terms first.
Replacing an existing property loan where the written total — not merely the monthly instalment — genuinely falls.
Working capital for shops, trades and small firms, assessed on how the business actually takes money rather than on a payslip.
These bind every licensed money lender in Hong Kong, this company included.
Every money lender must hold a licence, and the Companies Registry maintains a public register any borrower may search. Verify this company — and any lender — against it before signing.
An effective annual rate above 48% is a criminal offence; above 36% a court may presume the transaction extortionate and reopen it. The rate belongs in the agreement, not in conversation.
No loan is enforceable without a signed written agreement, and you are entitled to your own copy. Never sign a blank or incomplete document — here or anywhere.
No threats, no harassment of family or employers, nothing posted at your door. Report any such conduct to the Police, whichever lender is behind it.
The purpose, the property or business concerned, and the required timing.
Identity, income or trading records, and — for secured loans — the property's particulars.
Effective annual rate, schedule, total repayable and security terms, on paper to take away.
Signing before the loan is advanced; documents inspected and returned — never retained.
No. It is a licensed money lender under the Money Lenders Ordinance (Cap. 163). It takes no deposits and operates no accounts. Bank credit is ordinarily cheaper; borrowers who can obtain it on workable terms are advised to take it.
No. The word refers to the company deploying its own capital in its lending business. The company offers no investment products, pays no returns and accepts no funds from the public; any "investment offer" in its name should be treated as fraud and reported.
Search the Companies Registry's public register of licensed money lenders under the company's English or Chinese name and confirm the licence particulars against the loan documents presented to you. If anything does not match, do not sign.
A charge over your property ranking behind your existing bank mortgage. The existing lender's terms may require its consent, and default can put the property at risk — which is why the whole schedule and total are put in writing before you commit, and why you should read your first mortgage terms first.
They depend on the amount, term, security and circumstances, so no honest single figure fits every borrower. Hong Kong law caps the effective annual rate at 48%, and the rate for your loan is stated in the written agreement before you sign.
Contact the company before the due date. A revised schedule agreed in advance is always easier than arrears, and collection is conducted lawfully in every case.
Enquiries by telephone or email, business hours (HKT).