"Sweet Home" Mortgage Loans for Commercial Property


This is a loan business whereby a buyer mortgages all the legitimate rights and interests of the commercial property he/she has bought (including shop and office building) to the bank so that the bank can issue a loan according to a certain proportion of the price of the property trading contract (or the assessed value of the property confirmed by this bank), which will be repaid by the borrower in installments, including the accrued interest.


1.      Simplified and shortened application process; preferential interest rate;

2.      Flexible selection from multiple repayment methods;

3.      Senior CGB housing loan specialists provide one-stop quality services; 

The applicant should

1.      Hold legal and valid identity certificate or residence certificate;

2.      Be a worker, investor or resident in mainland China;

3.      Have legal and stable sources of income and the ability to repay the principal and interest of the loan on time;

4.      Have a good personal credit standing and no bad credit record;

5.      Have opened a settlement account with our bank and be willing to accept our credit supervision;

6.      Be able to provide the guaranty we accept or have the credit eligibility we have evaluated or accepted;

7.      Meet the other requirements we specify.

Amount of loan

The maximum amount of loan will not exceed 50% of the price indicated in the property trading contract (or the assessed value of the property confirmed by this bank).

Term of loan

The maximum term can reach 10 years.

Interest rate of loan

The floating proportion of current interest rate of CGB shall be used based on the current benchmark interest rate for loans announced by the People's Bank.

Repayment Method

1.      Repayment Tool

Repayment may be made through Licaitong Card, demand deposit passbook or cash.

2.      Mode of repayment

(1)     Weekly installment;

(2)     Biweekly installment;

(3)     Monthly installment;

(4)     Quarterly installment;

(5)     Semiannual installment;

(6)     Repayment of principal and interest in installments;

(7)     Repayment of interest in installments and principal as it falls due;

(8)     Lump-sum repayment of principal and interest as they fall due.