At present, there are the following "routines" for Hong Kong loans on the market:
The first is to pay the upfront fee.
On the grounds of paying various fees, the intermediary requires customers to pay different amounts of upfront fees. Although borrowers are sensitive to this, many people have worked hard because they are in urgent need of funds, and most of them have nothing in the end. The Hong Kong government has issued many documents in recent years, and borrowers need to be more cautious.
The second kind of consumption shopping.
Because most borrowers are not eligible to apply for loans directly in Hong Kong, they can only package their identities through a third party, and jewelry stores in Hong Kong just have the conditions to package borrowers' work and life information in Hong Kong, and spending in jewelry stores is really "fake consumption, real packaging". This has also been used by some people, allowing borrowers to spend money in jewelry stores without packaging, earning commission rebates from them, and some even get commissions as high as 30%. At present, this is already an industrial chain. Bian Xiao learned that many practitioners lost millions of dollars, which made the chaotic credit market in Hongkong more and more turbid, and many borrowers were frequently cheated.
The third kind of recharging crude oil precious metal account.
It is believed that the borrower needs to recharge the large precious metal account in order to run water and recharge the deposit. The truth is that loans have nothing to do with the flow and amount of third-party platforms such as crude oil and precious metals.
The fourth kind of reselling information, let the borrower prepare a full set of information, sell the information after mailing, and so on.
Four ways to handle loans in Hong Kong:
The first kind of internal insurance and external loans
Domestic insurance and foreign loan means that domestic banks provide guarantees for subsidiaries or equity investment enterprises registered overseas by domestic enterprises, and overseas banks issue corresponding loans to overseas investment enterprises. The form of guarantee is: within the limit, domestic banks issue letters of guarantee or standby letters of credit to provide financing guarantee for domestic enterprises and overseas companies without separate approval, which greatly shortens the business process compared with the previous financing guarantee.
Type II enterprises in Shenzhen Qianhai Free Trade Zone and Shanghai Free Trade Zone directly apply for corporate loans from Hong Kong banks.
These two regions play a leading role in the reform pilot projects in Shenzhen and Shanghai respectively. According to the central policy, entity tax paying enterprises with certain strength in this region can directly apply for loans from Hong Kong banks for use as enterprises.
Third-party fund loan or financing
With the acceleration of globalization, more and more enterprises want to explore the international market, and Chinese mainland will remain a hotbed of international capital profit in the next 30 years. Backed by the mainland, Hong Kong has naturally become a bridgehead for the surge of international hot money by virtue of its fast and open information circulation, which has also spawned some surprisingly high commercial financing and trade financing in recent years.
The fourth kind of permanent identification
For example, Hang Seng Bank's Easy Money, Dah Sing Bank's Quick Money, Wing Lung Bank's loan to you, Fubon Bank's loan to you, etc., all permanent residents in Hong Kong can apply.