(1) Working Capital Loans?
If your company is short of capital when maintaining the producing and operating turnover because of using or storing various inventories and seasonal material stocks during the process of normal business operations, you may apply for a working capital loan to JNB.

The working capital loan is a RMB loan you use for normal business operations or to meet temporary need for capital.

?The working capital loan with the characteristic of flexible loan term could satisfy the needs of borrowers such as temporary, short-term and medium-term working capitals.

On the basis of loan terms, there are three categories, namely temporary loans, short-term loans, and medium-term loans. Temporary loans is granted usually not more than three months, and are used for one-time inventory replenishment or to help make seasonal payments. Short-term loans have terms between three months to one year (excluding three months and including one year), and are primarily used to meet capital needs in normal business operations. Medium-term loans have terms between one year and three years (excluding one year and including three years), and are primarily used as disposable funds in normal business operations.

The client process is as follows:

1. Application. When you files a loan application, you must provide your operations permit, institutional code certificate, legal representative identification certificate, loan certificate, financial statements and auditing reports verified by the Treasury Department or a CPA firm for the previous three years and the previous month (if the business is less than three years old, it must provide all available financial statements), tax registration certificate, corporate contract or charter, etc. If the application is made by an authorized agent, the original copy of the legal representatives authorization letter must be provided. If the client is a limited liability company, joint-stock company, joint venture or contractor company, documents that indicate the board of directors or the contracting organizations consent to the application must be provided; documents on the guarantor; other documents required by JNB.

2. Signing contracts. If our JNB approves the loan, we will sign a loan agreement and a guaranty agreement with the client.

3. Guaranty.? After signing the agreement, the borrower must provide a third-party guarantor, mortgages or pledges.? It may need to register the mortgage, or deposit the pledged rights with our bank.

4. Loan disbursement. When you complete the above procedures, the loan contract comes into effect. The bank may disburse the loan to you. You may withdraw the loan amount for the uses specified in the contract.

5. Repayment. You must repay the loan according to the contract.

The clients can consult with the bank to confirm the interest rate of working capital loan according to the PBC loan interest regulations.

(2) Real Estate Development Loans?

If you need to apply for the real estate development loans when you are short of construction capital during the process of developing the real estate projects, you may come to JNB for application.

When you file a loan application, you must provide the project feasibility study and approval documents, project annual investment plan, primary design, approval documents, the certificate for land use rights, the planning permit of land use, the planning permit of construction engineering, the commencement permit of construction project.

?Our bank will provide the medium or long-term loans for real estate development, which is determined according to the applied project.