Financial transactions
Special Features:
(1) Form of guarantee: The bank guarantees with real estate, real estate, guaranteed by collateral and guaranteed by Loan.
(2) Convenient to use: Once approved, can be rotated to use. The Bank considers and approves the Loan facilities to the customers based on the actual Loanworthiness, assets and loan requirements of the customers, which the customers can apply for the loan several times according to the Loan facilities and on time, the loan interest will be collected according to the actual use.
Revolving capital loans:
Lao-China Bank Co., Ltd. provides working capital to clients to meet your temporary insufficient capital needs and to adjust for the season to be used in the production business, ensuring normal production operations. The Bank will provide loans in Kip, RMB, US Dollars and Thai Baht to borrowers who need working capital to increase their financial liquidity. Depending on the term of the loan, revolving loans can be divided into temporary revolving loans, short-term revolving loans and medium-term revolving loans.
Fixed capital loans:
Lao-China Bank Co., Ltd. provides financing to legal entities or other entities designated by the Government in Kip, RMB, US Dollar and Thai Baht, to invest in fixed assets. Among them, fixed asset investment is divided into four categories: project loans, infrastructure development investment, investment for renovation, real estate development investment and another fixed asset investment.
Loans issued by other banks:
Another syndicated loan is a loan in Lao Kip and foreign currency from two or more banks. Under the same terms, the same loan agreement, through a correspondent bank within a specified period and ratio. Based on different organizational models, which can be divided into other direct and indirect joint venture loans. Direct lending to other banks is directly authorized by the lending agent, repayment and Loan manager. Indirect joint venture loans are individually led by the intra-group bank to provide Loan to the borrower, and then distribute the share of the loan to other banks within the group.
Target group:
1. Suitable for government organizations, business units and other organizations designated by the government. Access to capital Most of the banks are clients of large conglomerates and large-scale projects, as well as large-scale working capital.
2. A single enterprise or a single project that wants to find a source of capital in excess of the bank balance of the lender 50%.
3. Loan line of customers of the independent group of companies if it exceeds the balance of the lending balance of the lender bank by 50%.
4. For highly competitive borrowers in negotiations, select a financial institution to access funding for the project.
Business Financing:
Business Financial means Lao-China Bank Co., Ltd. will build knowledge and skills in the management of enterprises small within the business, expressed the ability to secure and manage through administrative or businesses within economic special or ring the trade, aimed at creating a business model that features special channel businesses specific to businesses small within the business, and promote the development of economy, strengthening of the infrastructure businesses within the economy.
Target customers:
Suitable for traders and sellers, including legal entities of small enterprises and private enterprises within shopping malls or special economic zones that have a partnership with the bank.
Conditions:
1. The borrower must meet the conditions in accordance with the rules and regulations on the condition of the borrower, in accordance with the regulations and the industry.
2. Borrowers must be shops that have signed long-term lease agreements with shopping malls or special economic zones that have a partnership with the bank.
3. A client recommended by the management of a commercial or special economic zone under development.
