What conditions can mainlanders come to Hong Kong to apply for Hong Kong loans?

1.18-a natural person aged 60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed).

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Extended data

Characteristics of loans in Hong Kong

1. The annual interest rate of RMB loans shall not exceed 3% of the benchmark interest rate set by the central bank. According to the current situation, it is generally floating, which can reach the annual loan interest rate of 7% to 9%. The term of RMB loans shall be determined by commercial banks according to the risk control requirements.

2. The annual interest rate of Hong Kong dollar loans shall be determined by the bank according to the regulations of Hong Kong. The annual interest rate of the loan is between 3% and 4%, and the loan interest rate is half lower than that of RMB loans. The difference between Hong Kong dollar loans and RMB loans, calculated with the same loan value of RMB 6,543,800+0,000, can save 30,000-40,000 yuan of bank loan interest a year, which is a good choice for entrepreneurs.

Information that the borrower needs to provide after meeting the requirements.

1. Foreigners need husband and wife ID cards, household registration books/temporary residence permits and household registration books.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3 proof of income (according to the format stipulated by the bank).

4. Copy of the business license of the unit (with official seal).

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

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