1, HSBC only provides overseas real estate loans to HSBC Premier customers (more than 6 months), and the average daily deposit of their Premier customers is more than 600,000 RMB. When applying for a loan, you need to provide the tax bill (tax payment certificate) issued by the tax bureau, bank running water and other materials, but only the principal and interest are repaid, and no interest is charged.
2. China Bank Australia Branch requires the lender to have immediate family members in Australia, and the immediate family members have an Australian visa for at least one year (both a student visa and a work visa are acceptable), and the names of the lender and immediate family members appear in the house purchase contract. China Bank Australia Branch can only repay the interest, and the loan amount is between 70% and 80% of the bank's valuation. The annual interest rate is around 4.5%.
3, uob, Singapore, the conditions are relatively relaxed, basically similar to the requirements of local banks in Australia in the past. Judging from the recent situation, although there are high requirements for the income of the lender, it is not required to provide the tax payment certificate of China Taxation Bureau. It is acceptable to pay interest only in the first five years, and the loan period can reach 30 years. And if you use Singapore dollar to repay, you can get interest rate concessions. Recently, one of our customers repaid in Singapore dollars and got a loan interest rate of 3.8% per year. If the loan is repaid in Australian dollars, the loan interest rate is about 4.3%-4.5%.