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1. |
I PLAN TO BUY A
VILLA IN SHANGHAI AND WANT TO APPLY FOR A HOME MORTGAGE LOAN IN YOUR
BANK. CAN YOU TELL ME HOW SHOULD I APPLY FOR THIS LOAN ?
Firstly, as a foreign-invested bank, our home
mortgage loans are extended only to the foreign expatriates who live
in China. Property to be purchased also locates in China. Secondly,
the currency of the home mortgage loan includes US Dollar and HK
Dollar. Maximum amount of the loan is up to 60% of the purchase
price of the property or its market value. And the period is
proposed to be less than 5 years. We will calculate the installment
amount according to your application. Finally, following information
is also needed when you apply.
1. The purchasing agreement of the
property
2. The receipt of the down payment
3. Personal
information of the applicator (including the spouse)
----- Copy
of identification card or passport
----- Copy of Marriage
Certificate
----- Resume in brief
----- Offering letter of
current employer
----- Bank statement of the latest six months
income
4. Any other mortgage loan, if any. An indicative offer
will be given to you specifically after we receive your application
and above information. Your further inquiry is welcome. |
2. |
HOW TO OPEN A U.S. DOLLAR
SAVING ACCOUNT ?
As a foreigner or
overseas Chinese, you just fill out the application form and show us
your passport or driver license for identification purposes, then
you sign your name on saving book. |
3. |
HOW TO OPERATE YOUR SAVING
ACCOUNT ?
You may make deposits or
withdrawals at any time. We pay the interest at the end of per
month. The interest rate is 1.5%. We credit the interest to your
account automatically. Funds can be remitted overnight into and out
of your account by T/T, or local transfer. You just sign your name
on our remittance application form. There is no statement with this
account, all debit/credit items be printed on the saving book. |
4. |
COMPARED WITH OTHER BANKS IN
NINGBO AREA, DOES BIN HAVE ANY SPECIAL SERVICES IN THE EXPORT L/C
PROCESSING ?
Yes, BIN does.
Besides the service, free documents pick-up delivery at your
site which we have offered for years, BIN also provides the
following typical services :
1. Evaluation of Bank Risk (For
reference only)
2. Consultation on the L/C operations
3.
Prompt phone/or fax advise for each L/C reimbursement
One more
thing worth mentioning is that BIN maintains its U.S. Dollar account
directly with the U.S. bank, that makes the international remittance
on overnight basis. For instance, the U.S. bank effects the payment
on 10/01/2000, and on next day, i.e. 11/01/2000, BIN will receive
the proceeds, that's really fast. |
5. |
OUR
COMPANY IS REGISTERED IN NINGBO IS REGISTERED IN NINGBO FREE TRADE
ZONE, CAN WE OPEN A FOREIGN EXCHANGE ACCOUNT WITH BIN ?
According to the rules of State Administration of
Foreign Exchange, Companies register in Free Trade Zone can only
open account in banks opening or registered in Free Trade Zone; or
you can open account in foreign banks in Ningbo. BIN is a wholly
foreign invested bank , so you can open account with us. |
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