Real estate mortgage loans refer to the mortgage loans issued by China Financial Services Holdings Ltd on the condition that the borrowers mortgage various types of immovable properties in Beijing as main collaterals.

The immovable properties that can be mortgaged include: common residential houses (commercial houses, cost price houses, affordable housing, Central Government owned houses, etc.), apartments, villas, commercial properties, office properties, quadrangle courtyard, lands, industrial factories, etc.

Clients served: MSMEs and individuals with long- and short-term financing needs

Civil products and bulk goods mortgagee (pledge) loans refer to the rapid financing services provided by the Group to SMEs and individuals.

Service scope: mortgage (pledge) or pawn of enterprise equity, automobiles, gold and silver ornaments, jewels and jades, Chinese celebrities’ paintings and calligraphies; identification, evaluation and consulting of pawned items.

Clients served: enterprises and individuals with long- and short-term financing needs

The “Benefiting Farmers” loans are particularly designed to serve agriculture, farmers and rural areas and to effectively solve the financing difficulty and high financing costs for agricultural economy, featuring low interest rate, high efficiency and professionalism. An application can be made by any farmer, agricultural project, agriculture-related enterprise, family farm or big-specialized-household of crop and animal productions that has a need for funds.

Clients served: farmers and agriculture-related enterprises with medium-- and short-term financing needs

CFSH develops individual consumer credit business in Hong Kong via its FinTech platform, KP Credit Gain Finance, and provides individual and installment credit loans for the Hong Kong residents with stable income and good credit. The business enjoys the unique strengths of small-sum individual credit line, fast examination and approval, exemption from mortgage guarantee and flexible service modes.

Clients served: Hong Kong residents