Qualified Applicants

Officially registered corporations or individuals.

Period

Maximum five years.

Interest Rate

As stipulated by the Bank.

Collateral

The applicant should provide collateral accepted by the Bank.

Guarantor

Provide according to the Bank’s stipulation.

Purpose

Provide capital required for construction, sales, and lease of the buildings.

Method of Repayment

1. For buildings for sale: one-time repayment by sales revenue of the buildings and land and monthly repayment of the interest. But a minimum repayment ratio can be set based on the specific requirement of each case. 
2. For buildings for operation: monthly repayment of interest or amortization of both principal and interest before the construction is complete. For specific case, the borrower should repay at least 30% of the principal each month after the construction completes. The interest is repaid each month. Upon due date of the loan, the rest of the principal should be repaid in a maximum of five years, and the interest is repaid monthly. Or the borrower can choose to amortize the principal and interest evenly each month.

Lending Branches

All branches of the Bank (but the lending branches may be restricted)