Nanyang Commercial Bank Mortgage

Nanyang Commercial Bank (南洋商業銀行, a CITIC Group subsidiary) specialises in serving Mainland Chinese buyers purchasing HK properties, with dedicated Putonghua-speaking mortgage officers, CNY income acceptance, and streamlined cross-border document verification. Rates are competitive at HIBOR + 1.35% and cash rebates of up to 1.5% are offered. NCB's key edge is its patience with complex ownership structures and offshore company purchases that mainstream banks routinely decline.