1. Loan Services
- Non-residents Personal Loan* (Including but not limited to Hong Kong people and foreign passport holders)
- Preferential loan interest rate
- Foreign currency long repayment period up to 20 years for loan
- HKD, CNY and USD loans that can be used for personal consumption, production and business activities, etc.
- Real Estate Mortgage*
- Multiple repayment currencies: HKD, CNY, USD
- Residential real estate loans have a maximum period of 30 years and a maximum limit of 70%
- Non-residential real estate loans have a maximum term of 10 years and a maximum limit of 50%
- Unsecured SME Loan
- Trade financing for import and export*
- Import Trade Financing
- Export Trade Financing
- Syndicated loan*
*Acceptable property mortgages in Shenzhen, Guangzhou, Shanghai, Beijing and the Pearl River Delta.
2. Deposit And Counter Service
- Accept fixed deposits from Chinese residents*, and non-residents (Including but not limited to Hong Kong people and foreign passport holders)
- Multiple deposit currency options: HKD, CNY, USD
- Foreign exchange transactions between HKD and CNY
*Chinese domestic residents only accept fixed deposits of no less than RMB 500,000 each with a deposit period of no less than three months.