Bank of China (Hong Kong) Limited - Mainland Business > Personal Banking > Mortgage and Loans

Application Procedures

Documents required

For individual applicants

Mortgage application form
Identity proof (e.g. passport)
Address proof
Income proof
Employment proof
Provisional Agreement for Sale and Purchase of Property
I.D. Card of the agents and notarized authorization forms (required if any agent is involved)

For corporate applicants

Mortgage application form
Certificate of Incorporation, Business Registration Certificate / business license, Memorandum and Article of Association
Resolutions passed by the board of directors / minutes of board meeting
Audited financial reports for the 3 years prior to the application
Provisional Agreement for Sale and Purchase of Property

Workflow of loan application

Applicant to sign the Property Sale and Purchase Agreement with the developer or existing owner
Application to be processed through any branch / sub-branch of BOCHK in Hong Kong or the Mainland
BOCHK to review the documents submitted by the applicant and the applicant's credit record
BOCHK's approval of the mortgage loan application
Completion of Mortgage Agreement and Charge Registration (by legal firm or the Bank)
Drawdown of the loan
Repayment starts from the following month
Completion of Release of Charge upon full repayment of loan

For details, please visit or contact any of our branches / sub-branches.

Remarks:

The above information is for reference only. The final terms and conditions of the mortgage will be governed by the Facility Letter and any relevant documents signed between the loan applicant and Bank of China (Hong Kong).
The Mainland mortgage loan application may incur other charges/fees. For details, please contact our staff.
Bank of China (Hong Kong) reserves the right for the final approval of Mainland mortgage loan application.

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