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Personal Banking
China Mortgage Loan Services

Owning a house is everyone's dream. DBS Bank provides professional service and favourable mortgage terms which enables you to realize your dream.

We know that buying a property is always an important decision. So we are always ready to help you take care of your financial needs through our Mortgage Loan Services.

Flexible and convenient
DBS Mortgage Loan Services offer flexible and tailor-made mortgage plans to suit your needs.

Available in a wide variety of currency
You may choose to apply for our Mortgage Loan in Hong Kong dollar, US dollar or Renminbi1 to suit your own financial position.

Competitive mortgage terms
You can apply for DBS Mortgage Loan for your residential property with loan tenorv up to 30 years and loan-to-value ratio up to 80%2.

Comprehensive professional services
You can rely on our professional mortgage consultants for comprehensive service.

Documents required for application

  • Original and duplicate copies of ID/Passport
  • Tax demand note for the previous year
  • Bank statements for the previous six months
  • Proof of current residential address
  • Provisional Sales and Purchase Agreement
  • Other documentation as required

Purchase procedure in primary market

Purchaser selects his/her desired property
Execute Provisional Sales and Purchase Agreement and payment of deposit
Execute Presale Contract and payment of down payment
Mortgage loan application and making memorandum in Lands Bureau
Take possession
Application for Real Estate Title Certificate


Mortgage loan application flow

Customer submits application and relevant documents
Bank proceeds to property valuation
Bank proceeds to application approval
Bank instructs solicitor to prepare mortgage related contract and notarization
Customer signs mortgage loan agreement
Solicitor registers the mortgage contract
Customer arranges insurance, pays related fees
Bank disburses the mortgage loan
Customer pays the monthly instalment


For enquiries, please visit our branches/sub-branches or call our 24 hour customer service hotline: (86) 4008 2089 88

Terms and Conditions:
  1. DBS Bank will only accept applications for foreign currency mortgage loans from non-PRC resident.
  2. Loan-to-Value ratio will be adjusted according to the policy stipulated by the PRC government or regulatory authorities from time to time.
  3. The above information is for reference only. The final mortgage terms and conditions will be governed by the loan agreement and any relevant documents signed between the loan applicant and DBS Bank.
  4. DBS Bank reserves the right for the final approval of the loan application,to amend the above terms from time to time and the right of interpretation to these terms.
  5. The English version is for reference only. In case of any discrepancies between the Chinese and the English version, the Chinese version shall prevail.

DBS Bank (China) Limited

Consumer Banking Department, Beijing Branch
Suite 105-106, Winland International Finance Center,
No.7 Financial Street, West City District,
Beijing 100004,
People's Republic of China
Tel: (86 10) 5839 7527
Fax: (86 10) 5836 9390

Beijing Gemdale Plaza Sub-branch
Unit 101, Tower A, Gemdale Plaza,
No. 91 Jian Guo Road, Chao Yang District,
Beijing 100022,
People's Republic of China
Tel: (86 10) 8571 3303
Fax: (86 10) 8571 3297

Suzhou Ganjiang Dong Road Sub-branch
Level 1 & 2,
No. 888-2 Gan Jiang Dong Road,
Suzhou 215005,
People's Republic of China
Tel: (86 512) 6581 2828
Fax: (86 512) 6581 3600

Shenzhen Branch
Shop 159, The MIXc,
No 1881, Baoan Nan Road,
Shenzhen 518001,
Guangdong Province,
People's Republic of China
Tel: (86 755) 2223 3433
Fax: (86 755) 2589 6285

Shanghai Luwan Sub-branch
G/F & 2/F, Unit A, Century Bashi Building,
No. 398 Middle Huaihai Road,

Shanghai 200020,
People's Republic of China
Tel: (86 21) 5383 8989
Fax: (86 21) 5383 8080

Shanghai Nanjing Xi Road Sub-branch
No. 1558 Nanjing Xi Road, Jing An District,
Shanghai 200040,
People's Republic of China
Tel: (86 21) 6279 3888
Fax: (86 21) 6279 3683

Guangzhou Taojin Road Sub-branch
Unit 101, 201A & 201B, Li Jing Building,
No. 48-52 Tao Jin Road, Yue Xiu District,
Guangzhou 510095,
People's Republic of China
Tel: (86 20) 8349 7999
Fax: (86 20) 8349 7941

Consumer Banking Department, Tianjin Branch
8/F and Unit 01-03A 1/F , The Exchange,
189 Nanjing Road, Heping District
Tianjin 300051
People's Republic of China
Tel: (86 22) 5819 3271
Fax: (86 22) 8319 5286

Additional Information

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