Banking Services in Greater ChinaBanking Services in Greater China

Banking Services in China

Banking Services

Banking Services

Business Scope

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.