银行抵押贷【全球户籍外国人可做】只限广州地区。

房产抵押贷款是非常普遍的融资方式。

本产品不仅仅是本土居民，外籍人士同样可以使用这种方式获得贷款。

对于有房产的外籍人士来说，办理房产抵押贷款非常简单。

外籍人士与本土居民享受的银行方案均一致。

银行抵押贷【全球户籍外国人可做】只限广州地区 方案如下：

银行方案：

1、10年等额本息还款，年化4.45%

2、10年先息后本，第36期还5%本金，第96期还30%本金，第120期还65%本金，年化4.45%

3、5年授信随借随还，先息后本，每年倒本一次，一般3.65%

4、3年先息后本，利率年化4.05%

5、20年等额本息（10年气球贷），一般3.65%

其他要求

营业执照要求：一定要满6个月，新注册或者新过户营业执照需要满6个月

真实经营要求：可以通过我们公司沟通处理

流水要求：可以通过我们公司沟通处理，500万以下不看流水

征信要求：两年没4，一年没2，其他情况沟通处理

年龄要求：借款人+借款年限<70岁，抵押人年龄可超70岁

房产要求：住宅、公寓、临街商铺、自建房、厂房(公司名下物业亦可)

【其他银行经营抵押贷款产品】

我们能够有效处理各种疑难杂症，包括新过户房产证、新执照、无经营、征信瑕疵、大数据差、单签、抵押物瑕疵、急用钱提前放款、垫资等问题。以下是一些典型案例：

上班族办理经营抵押贷款：即使没有真实经营，我们也能帮助您搞定；

按揭房转经营贷降低利息：我们能为您提供一站式服务，同时处理信贷需求；

紧急资金需求：我们可提供临时借款，等银行抵押贷款办理完毕后还款；

保密贷款：我们能确保借款过程不被配偶知情；

利用经营贷购房：可确保操作；

征信查询多、大数据差：我们能解决征信瑕疵问题；

负债过高、信贷网贷一堆：我们能协助您抵押房产结清信贷，轻松上岸；

优化企业资质、争取最低利率、最高额度、最佳还款方式：我们能为您量身定制方案，争取最低利息，最好的还款方式。

【我们的优势】

专注广州、佛山房产抵押贷款，深入合作多家银行，争取最大权益；

直接对接银行审批，大量减少中间审批环节，确保贷款顺利审批；

拥有合规牌照，资金规模充足，降低借款人风险；

经验丰富，资料看过没问题就能接，能接就能做，确保不浪费借款人时间。

English

Mortgage loans for foreigners with global residency are available in Guangzhou. Mortgage loans are a common financing method in China, and this product can be used by foreigners with property in Guangzhou. Foreigners and local residents enjoy the same bank programs. The bank offers various schemes, such as 10-year equal principal and interest payments with an annual interest rate of 4.45%, 10-year interest payments followed by principal payments, with repayment percentages staggered at different times over the 10 years and an annual interest rate of 4.45%, 5-year revolving credit with interest payments followed by principal payments, with low interest rates starting at 3.65%, 3-year interest payments followed by principal payments, with an annual interest rate of 4.05%, and 20-year equal principal and interest payments (10-year balloon loan) with low interest rates starting from 3.65%.

Requirements include a business license being in operation for at least 6 months, real business being carried out, and there being no more than 4 overdue payments in two years and no more than 2 overdue payments in one year. The borrower's age plus borrowing term cannot exceed 70 years, but the age of the guarantor can exceed 70 years. Property requirements include residential buildings, apartments, street-front shops, self-built houses, and factory buildings (properties owned by companies also acceptable).

Our company can handle various difficulties associated with mortgage loans, including new property certificates, new licenses, lack of business operations, credit defects, big data discrepancies, single applicant, collateral defects, expedited loans, and other issues. For example, we can help office workers obtain business mortgage loans, reduce interest rates when converting mortgaged homes into business loans, provide short-term loans for urgent funding needs, ensure secrecy during the lending process, improve credit rating, repay a variety of loans, and optimize enterprise qualifications, obtain the lowest interest rates, the highest loan amounts, and the best repayment methods.

Our strengths include a focus on mortgage loans for properties in Guangzhou and Foshan, strong partnerships with multiple banks to maximize benefits, direct communication with the banks to reduce approval time, full compliance with regulations, an adequate fund size to reduce borrower risk, and experienced staff that can handle tasks as soon as documents are submitted.

We pride ourselves on providing professional and efficient services to our clients. We understand that mortgage loans can be complex and difficult, which is why we offer a wide range of support to ensure that the process is as hassle-free as possible. Our team is proficient in Chinese and English, and can provide consultation and translation services to make sure that our clients are fully informed and comfortable with the process.

Furthermore, we understand that every borrower's situation is unique, which is why we offer personalized loan solutions to cater to each individual's needs. We work closely with our clients to understand their specific financial situation and goals, and then create a customized plan that is tailored to their needs. Our goal is to help our clients achieve their financial objectives while minimizing risk and maximizing opportunities.

We are committed to providing transparent and honest services to our clients. We always act in the best interest of our clients and provide the most accurate and up-to-date information. Moreover, we guarantee complete confidentiality and privacy throughout the entire process, ensuring that our clients' personal and financial information is kept safe and secure.

In summary, our company provides comprehensive mortgage loan services for foreigners with residency globally in Guangzhou. Whether you are a local resident or a foreigner, we are here to assist you with all your mortgage loan needs. Please feel free to contact us for more information or to arrange a consultation.