Loans to Hong Kong are unreliable. Everything is routine.

First, Hong Kong loans are unreliable. Everything is a routine.

No matter what your credit status is, you can apply for a loan in Hong Kong with your ID card and Hong Kong and Macao Pass. Besides, if you can't pay the money, you can file for bankruptcy, so you don't have to pay it back? Is there such a thing as pie in the sky

The intermediary shouted, but the bank said no.

"No credit requirements, age 22-59." "The company has established cooperative relations with many banks and guarantee companies in Hong Kong. After the loan approval is successful, you only need to go to Hong Kong once to get the loan. " Recently, many intermediary companies in Xiamen are busy shouting.

Hong Kong's low loan threshold and low interest rate should be very popular with those who need funds. The Xiamen Free Trade Zone Branch of a big bank said that it would not assist individuals or small business owners to handle overseas loans such as Hong Kong.

"We have overseas loan business, but the starting point is 6.5438 billion yuan." The staff of another bank, Xiamen Free Trade Zone Sub-branch, said that the starting point was high and it was not suitable for ordinary people. And this business is mainly used for investment and other purposes. After Xiamen people borrow money from overseas banks, the funds can only be used overseas, and the application procedures are complicated.

What is the situation of foreign banks? A loan officer of a foreign bank in Xiamen said that he had never heard of such business in Hong Kong.

The secret of the "routine" was handled by a private credit guarantee company in Hong Kong.

"If mainland banks can't do it, we can do it through private credit guarantee companies in Hong Kong." A loan intermediary said. "The threshold for applying for bank loans in Hong Kong is very high, and many customers simply do not meet the requirements. If they do it directly, it is almost a waste of time. " According to the intermediary, they only charge 200 yuan money the upfront information fee, and only charge the handling fee after the bank loan comes down. Quote 15%. If there are many people or the loan amount exceeds HK$ 100000, the handling fee shall be within 10%.

Forging materials is illegal and unreliable.

For the above-mentioned "routine", a banker in Xiamen thinks it is not reliable: "Even if what these intermediaries say is true, they can really borrow money from banks in Hong Kong, but the so-called' packaging as company executives' is suspected of committing crimes, and the interest rate and handling fee are not necessarily cost-effective."

If the monthly interest rate is 4%, that is, the monthly interest rate is 0.4%, which is equivalent to the annual interest rate of 4.8%. According to the current benchmark interest rate of the People's Bank of China, the annual interest rate of loans within one year is 4.35%, 4.75% for one to five years and 4.9% for more than five years. The interest rate quoted by loan intermediaries has no obvious advantage, not to mention they have to charge 8% commission.

The above-mentioned people estimate that those who will be attracted by the so-called Hong Kong loans are mostly unable to obtain loans from mainland banks because of their credit status, collateral and other reasons. Otherwise, even if mainland banks rise by 30% to 40% according to the benchmark interest rate, I believe some enterprises can accept it, and there is no need to find "wild way" overseas loans.

Second, is it a scam for the mainland to go to Hong Kong for loans?

Many people have asked this question recently.

If mainlanders don't have real estate or companies in Hong Kong, it is impermanent to borrow money from banks. If you apply for a loan through a finance company, the handling fee and repayment period will be limited. If you don't repay, the consequences will be very serious (personal safety problems).

Is it true that Hong Kong and Macao borrowed 4 million yuan and got 2 million yuan?

Fake, unbelievable! If you take a loan from an informal financial company, it is also fake to take 2 million yuan, because it will definitely not exceed 2 million yuan, maybe only 200,000 yuan? ~

Fourth, loans to Hong Kong are not reliable. Everything is a routine.

No matter what your credit status is, you can apply for a loan in Hong Kong with your ID card and Hong Kong and Macao Pass. Besides, you don't have to pay it back? Is there such a thing as pie in the sky

The intermediary shouted, but the bank said no.

"No credit requirements, aged 22-59. The two banks have established cooperative relations with guarantee companies. After the loan was approved successfully, only recently, many intermediary companies in Xiamen

Hong Kong's low loan threshold and low interest rate should be very popular with those who need funds. The Xiamen Free Trade Zone Branch of a big bank said that it would not assist individuals or small business owners to handle overseas loans such as Hong Kong.

"We have overseas loan business, but the staff of another bank, Xiamen Free Trade Zone Branch, said that the starting point is high, and this business is mainly used for investment and other purposes and can only be used overseas.

What is the situation of foreign banks? A foreign bank loan business person in Xiamen said that he had never heard of this kind of business in Hong Kong.

The secret of the "routine" was handled by a private credit guarantee company in Hong Kong.

"Yes, through a private credit guarantee company in Hong Kong," said a loan agent. "The threshold for applying for bank loans in Hong Kong is very high, and many customers are almost white." The intermediary said that they only charge 200 yuan the upfront information fee and wait for the bank loan to come down before charging the handling fee. The quotation is 15. The loan amount exceeds 100000 Hong Kong dollars, and the handling fee is10.

Forging materials is suspected of breaking the law.

For the above-mentioned "routine", a banker in Xiamen believes that it is indeed possible to borrow money from banks in Hong Kong, but the so-called "packaging as a company executive" is suspected of committing crimes, and the interest rate and handling fee are not necessarily cost-effective. "

That's 0.4% monthly interest. 8%, while the China People's Bank has an annual interest rate of 45% for loans within the current term and 4.9% for loans over five years. The interest rate quoted by loan intermediaries has no obvious advantage, not to mention they have to charge 8% commission.

The above-mentioned people estimate that those who will be attracted by the so-called Hong Kong loans are mostly unable to obtain loans from mainland banks because of their credit status, collateral and other reasons. Otherwise, even if mainland banks rise by 30% to 40% according to the benchmark interest rate, I believe some enterprises can accept it, and there is no need to find "wild way" overseas loans.