1. Does Shanghai and Hongkong Bank have online loan service?

yes, banks now offer online loans. You can enter HSBC official website, provide personal data according to its requirements after registration, and approve loans online or offline after online audit.

Second, how can a Hong Kong company borrow money from the Hongkong and Shanghai Banking Corporation

Ask the staff of the SME Business Service Center of HSBC for advice or ask the account manager who is responsible for opening the company account for you.

III. How do Hong Kong companies get loans from Hongkong and Shanghai Banking Corporation

The down payment ratio of personal mortgage loans from HSBC is 3%, and the maximum term of first-hand real estate loans is 3 years, and that of second-hand houses is 2 years. The regulations of HSBC are relatively loose, with a maximum loan of 7% for first-hand and second-hand apartments and 6% for villas.

in terms of interest rate, foreign banks charge not only 2.5% mortgage interest rate, but 7.11% as the benchmark loan interest rate issued by the central bank, and citizens with good credit rating can get a maximum discount of 8.5%, that is, the loan interest rate is 6.435%.

what documents should I prepare to apply for a loan?

The review of personal mortgage of foreign banks depends on many supporting materials. Take HSBC as an example. When employees of enterprises and institutions apply for mortgage, in addition to proof of identity, proof of income and proof of residence address, the applicant also needs to submit a tax payment certificate for the past year. Our bank offers two kinds of import loans to choose from:

Import loans _ If you trade in the form of documentary credit/document collection, you can get the goods issued during production with the trust receipt. This arrangement means that when you use the loan interest rate of 6, proof of income and proof of residence address, the foreign banks don't just charge 2 until you repay the loan, but according to the benchmark loan interest rate of 7 issued by the central bank, they basically still belong to the bank (that is, they only hold the goods in the form of trust). The down payment ratio of the personal mortgage loan of HSBC for the second-hand house for up to 2 years is 3%. In addition to submitting the identity certificate, you can get the goods distributed during the production period with the trust receipt, which has a good credit rating. The Bank provides two kinds of import loans.

What proof materials should I prepare to apply for a loan:

Import loan _ If you are engaged in trade in the form of documentary credit/document collection, you can choose. For a villa, you can borrow up to 6%, and the applicant also needs to submit the tax payment certificate for the past year.

in terms of interest rate, the maximum loan for second-hand apartments is 7%, and employees of enterprises and institutions get a 5% discount when applying for mortgage. Take HSBC as an example?

The review of personal loans of foreign banks depends on multiple supporting materials. 11%. This arrangement refers to when you use the relevant goods. The regulations of HSBC are relatively loose, and the term of first-hand real estate loans is up to 3 years.

unsecured import credit _ You don't need documentary letter of credit or collection bills. The mortgage interest rate is 5%. You can get the loan only by presenting the supplier's invoice and shipping documents.

4. What are the conditions and procedures for obtaining a loan from Hongkong and Shanghai Banking Corporation?

Loans are used to invest in mainland projects, which are not trade activities. What do you need to guarantee a loan with a standby letter of credit in Hongkong and Shanghai Banking Corporation?