The situation in each period is different. As for the former mainland shareholders, it is basically impossible to get loans in Hong Kong.
But now that the policy has been relaxed, mainland residents who own Hong Kong companies can also borrow money in Hong Kong, so shell companies don't have to think about it.
The general requirements of the documents are:
Shareholder's ID card, Hong Kong and Macao Pass, Hong Kong company registration document, audit report for the last two years, bank flow in the last 12 months, and sales contract.
Process:
1. Understand the enterprise background. According to the audit report of Hong Kong companies, preliminary results can be obtained in the last 12 months, with an accuracy rate of 80%.
2. Submit the information to the bank, and at the same time work out the loan amount, interest terms and other details with the customer, and submit them for approval, but not for approval.
Three, after approval, the bank issued a formal loan contract.
4. Express the loan contract to the customer for video witness, sign the return document, the loan will not take effect, and the bank will open a company account.
Five, on behalf of the government guarantee, it takes two weeks to implement.
Six, the bank activated the loan amount, the loan took effect, and the loan funds could be used immediately.
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Is the Hong Kong loan true?
Hong Kong and Macao loans are real, and there are such companies, but we should look for them well and don't trust others too easily to avoid being cheated.
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.
Can public houses in Hong Kong be mortgaged? What are the relevant policies?
For those who need funds, mortgage loan is undoubtedly a good way to solve the source of funds, but not all properties can apply for mortgage loans, and houses need to meet the conditions before they can apply for mortgage loans. Can public houses be mortgaged? Next, let's see if public houses in Hong Kong can be mortgaged. What are the relevant policies?
For those who need funds, mortgage loan is undoubtedly a good way to solve the source of funds, but not all properties can apply for mortgage loans, and houses need to meet the conditions before they can apply for mortgage loans. Can public houses be mortgaged? Next, let's see if public houses in Hong Kong can be mortgaged. What are the relevant policies?
Can public houses in Hong Kong be mortgaged?
First, under normal circumstances, public houses cannot be mortgaged. If an agreement is signed with the unit at the time of purchase, the bank can only accept it if the unit does not have the preemptive right. The interest rate is 5.3 1%-5.94%, depending on the loan term in Hong Kong. Not only banks can do it, but it is safe to borrow from banks, and private guarantee and pledge companies can also do it, but it is more dangerous.
Two, it is understood that the purchase of public housing can not apply for real estate mortgage loans in the following ways:
(1) Although the public housing has been purchased, the listing certificate of the central delivery room cannot be provided. For everyone who plans to live ahead of time, it may have little impact.
(2) However, if there is no listing certificate, the lending institution cannot list the property. Once the borrower is unable to repay the debt, he will bear the loss. Hong Kong lending institutions will not agree to use purchased public houses that cannot provide purchase contracts as collateral.
(3) Because borrowers are often unwilling to provide a house purchase contract, it is clearly pointed out in the house purchase contract that the original unit has the priority to purchase houses. This makes banks have no initiative.
Public housing mortgage loan policy in Hong Kong
1. You can also apply for provident fund loans to buy public houses. Workers who buy public housing in Wanping can apply for housing provident fund personal housing loans, but they cannot withdraw the balance of housing provident fund for down payment.
2. Anyone who pays normally (accumulated for two years, and borrowed for six consecutive months) can apply for personal housing loan from the housing provident fund with his ID card, household registration book, public housing purchase contract, down payment certificate, marriage relationship or unmarried certificate, and written commitment of someone agreeing to housing mortgage. In the business department of CCB district (county) branch where the house is located or the personal housing loan acceptance point of ICBC.
3. The application form, loan contract and house mortgage contract should be filled in when applying. Notarize the house mortgage contract within the specified time (the notarization fee shall be borne by the bank).
4. The borrower should go to the real estate transaction center for mortgage registration and pay the registration fee of 65,438+000 yuan. After the loan bank receives the receipt of housing mortgage, the borrower needs to apply for housing insurance (pay at the annual rate of 0.5 ‰ of the house price), and then the loan bank will lend money within five days.
5. Handwritten information must be filled in with a black signature pen or pen. It is also very important that the lender must have a good credit record in the bank, otherwise your perfect procedures will be useless.
Comprehensive appeal, public houses cannot be mortgaged. If you sign an agreement with the company when you buy it, the bank is acceptable, but the management regulations in different cities may be different. You can also go to the relevant local institutions to find out. The above is whether public houses in Hong Kong can be mortgaged and the related contents of the mortgage policy of public houses in Hong Kong. I hope it can help you a little.