Loan Application Form Overseas Union Finance Pty Ltd (ABN 68 082 155 557) holds a special operating loan license issued by the Australian government (ACL 405636). Its products mainly consist of Rongqiao Loans and Rongqiao Funds. The company adheres to the business philosophy of "Professionalism, Integrity, Flexibility, Simplicity, and Win-Win", leveraging its platform to aggregate resources, select high-quality projects, enhance value professionally, and open up value-added space. Name Email Phone Loan Type Choose Type Loan Amount (AUD) Loan Term (Years/Months) 申请贷款

Investment Application Form Overseas Union Finance Pty Ltd (ABN 68 082 155 557) holds a special operating loan license issued by the Australian government (ACL 405636). Its products mainly consist of Rongqiao Loans and Rongqiao Funds. The company adheres to the business philosophy of "Professionalism, Integrity, Flexibility, Simplicity, and Win-Win", leveraging its platform to aggregate resources, select high-quality projects, enhance value professionally, and open up value-added space. Name Email Phone 1, Investment amount (AUD)? * $500,000-$1 million $1 million-$3 millions $3 millions-$5 millions $5 millions above Other 2, Investment risk profile? * Low risk Medium risk High risk 3, What is your expected return on investment per annum? * 0~8% 8%~12% 12% above 4, What is your preferred investment period? * 3~6 months 6~12 months 1~2 years 2 years above 5, Your interested investment direction? (Multiple choice) * Real estate equity investment Real estate debt investment Real Estate Pool Fund Comprehensive Investment Leave us a message Submit

Your loan application has been successfully submitted! Thank you for choosing our services. Our team will process your application as soon as possible and reach out to you at the earliest convenience. If you have any questions or need further assistance, please feel free to contact us. Once again, thank you for your trust and support! Wishing you all the best!

Rongqiao provides emergency assistance within 72 hours for startup capital Today I want to share a real case of an international student starting a business. In 2021, the protagonist Xiao Zhang is an international student who just graduated from the University of Sydney. He was full of passion to start a real estate development company in Sydney. His family gave him 3 million in start-up capital to help him fully purchase a piece of development land in Sydney's western suburbs. As the project progressed, by March 2024, the company encountered a funding bottleneck and urgently needed an injection of 1.8 million in new funds. Otherwise, the shortage of funds might make his previous efforts go to waste. So Xiao Zhang decided to apply for a loan from the bank. However, since he was a new real estate developer, he did not pass the bank's review of construction company loans. All major Australian banks rejected Xiao Zhang's loan application. Seeing the funding gap getting bigger and bigger, Xiao Zhang's real estate development project has been suspended. Just when he was at a loss, he thought of the Rongqiao bridge loan that his friend had mentioned. With a try-it attitude, Xiao Zhang quickly contacted the Rongqiao bridge loan team and used his house in Burwood, Sydney as collateral. What he didn't expect was that Rongqiao Bridge Loan responded very quickly. In less than three days, he successfully borrowed 1.8 million Australian dollars. The timely injection of funds ensured the resumption of his real estate project. Rongqiao Bridge Loan has won the trust of customers with its excellent service, providing personalized loan solutions, loan pre-approval within 24 hours, and loan disbursement within 72 hours. In addition, Rongqiao Bridge Loan also promises "no success, no fee", helping customers like Xiao Zhang who start businesses in Australia to solve funding problems at critical moments and successfully solving their urgent needs. Back to Success Stories

Second home purchase funds are not turning over smoothly? “Room Changing Tool” may be able to help you! Sydney house prices in 2024 have risen by an average of 8.1% in the past 12 months, especially the demand for school district housing has soared. However, faced with rising house prices and prolonged bank approval time, many families who are looking to buy a second home or replace a property have fallen into a dilemma of capital turnover. Today I want to share a real case, how to successfully resolve the pressure of buying a house through a special "house-changing artifact" and successfully buy the desired school district house. Ten years ago, after graduating from university, Mr. Zhang bought a 3-bedroom, 2-bathroom apartment in Zetland, Sydney as a wedding house. The loan amount was 500,000 Australian dollars at the time, and the loan has now been fully repaid. Now the second baby in the family is about to be born, and the elderly in the family will also come to Sydney to help take care of the child. So the couple is considering changing to a larger house and a school district house to start the next stage of life. A few days ago, they saw a school district house in Beecroft worth about 3.3 million Australian dollars. He needs to sell his current apartment to have enough funds to buy this new house. However, because Beecroft is in a very good school district, many people are scrambling for this property. Mr. Zhang's family does not have enough time to sell the current apartment. Watching the favorite property fail to buy because of the problem of capital turnover, Mr. Zhang is very distressed. Later, through the recommendation of a friend, he found the Rongqiao Bridge Loan team to provide him with a flexible financing plan. Mr. Zhang mortgaged his Zetland apartment to them. What he didn't expect was that Rongqiao Bridge Loan responded very quickly. It took less than three days to immediately release the loan, alleviating Mr. Zhang's capital turnover problem. And three months after buying the Beecroft property, Mr. Zhang also sold the Zetland apartment and paid off the bridge loan. During the whole process, he only paid three months of interest. Rongqiao Bridge Loan has won the trust of customers with its excellent service, providing personalized and flexible loan solutions, loan pre-approval within 24 hours, and loan disbursement within 72 hours. In addition, Rongqiao Bridge Loan also promises "no success, no fee", helping people like Mr. Zhang to continue to turn over funds and solve funding problems at critical moments, successfully solving their urgent needs. Back to Success Stories

Residential Loan Mainly serving non-overseas individuals looking to purchase property in Australia, or Australian residents facing short-term cash flow problems unable to obtain loans from banks. Loans are obtained by mortgaging properties with legal ownership and control rights. View Other Services What is a bridge loan? A bridge loan is a short-term loan, typically with a term not exceeding one year, used to bridge the gap in funds between selling an old property and purchasing a new one. This type of loan allows homebuyers to efficiently upgrade to a new property before selling their current residence. Characteristics of bridge loans: Short-term Nature: Bridge loans typically have short terms, ranging from a few months to a year. High Interest Rates: Due to their short-term and higher risk nature, bridge loans generally carry higher interest rates compared to traditional mortgage loans. Quick Access to Funds: Bridge loan approval and funding processes are fast, aiding in expedited home purchases. Cash Flow Assistance: Helps address cash flow issues when selling old property and purchasing new ones, enabling buyers to seize market opportunities. When might you need a bridge loan? You have found your ideal new home, but your current residence has not been sold yet. There is an unmissable buying opportunity in the market that requires immediate action. The seller demands a quick transaction, but your funds are not yet available. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Hunters Hill，NSW，2110 Loan Amount $3,600,000 Approval Time 1 Day Loan Type Residential Loan LVR 55% Loan Term 12 Mouths Our esteemed client, Mr. A, is an avid traveler. Recently, he set his sights on a waterfront mansion in Hunters Hill, which he immediately fell in love with and promptly signed a contract, putting down a 10% deposit. To celebrate his new home purchase, he decided to venture into the ocean, immersing himself in the holiday sun and relaxation. However, after the dreamy vacation, Mr. Zhang unexpectedly received a special "Christmas gift" – a notice to complete from the seller's lawyer. Shockingly, he was required to complete the purchase within a mere two weeks! Mr. Zhang instantly felt the thrill and excitement of adventure. But he refused to succumb to the challenge. He swiftly assembled a formidable team – Rongqiao Loans. Our team responded promptly, crafting a unique loan solution for him, swooping in like superheroes, and resolving his home-buying dilemma just in time. At the critical moment, we not only provided fast pre-approval but also swiftly submitted the necessary documents, ensuring Mr. Zhang completed the purchase on schedule before the completion deadline, perfectly avoiding the risk of losing his 10% deposit. This was not just a home purchase; it was an adventure. In this journey filled with unknowns, having a powerful financial partner was like having a guide for Mr. Zhang, leading him from the comfort of vacation to the transformation into a homeowner with dreams fulfilled. Property Address East Killara, NSW, 2071 Loan Amount $3,200,000 Approval Time 1 Day Loan Type Residential Loan LVR 40% Loan Term 6 Months / Property Address Lindfield, NSW, 2070 Loan Amount $2,000,000 Approval Time 1 Day Loan Type Residential Loan LVR 45% Loan Term 6 Months / Property Address Oatley，NSW，2223 Loan Amount $890,000 Approval Time 3 hours Loan Type Residential Loan LVR 60% Loan Term 9 Months / Learn More Rongqiao Loan Application Form Apply Now

Construction Loan Construction loans are suitable for developers who encounter short-term liquidity issues during development and construction, such as the need for working capital. In recent years, bank loans have generally tightened. Rongqiao Financial Group provides more flexible financing solutions based on the specific needs of developers.。 View Other Services What is a construction loan? A construction loan, also known as a development loan, is specifically designed to finance new construction projects or large-scale renovation projects. These loans are typically used for the construction of residential, commercial, or industrial properties. If you already own a piece of land and are planning to develop it, requiring financial support, feel free to contact us at any time to discuss loan options. Characteristics of construction loans: Short-term: Construction loans are typically short-term, with loan terms usually around one year, which is sufficient to complete the construction project. Staged disbursement: Loan funds are not disbursed all at once but released in stages based on the progress of the project. Interest payment method: During the construction period, borrowers typically only need to pay interest, while the repayment of the principal begins after the construction is completed. Considerations when applying for a construction loan: Project budget: Ensure that the project budget is detailed and realistic, including all expected construction costs and additional expenses. Construction plan: Detailed construction schedules and plans need to be provided to demonstrate the feasibility and expected progress of the project. Borrower qualifications: Our risk management department will assess the borrower's (usually developers or individual investors) credit history, financial status, and project experience. Real estate and construction permits: The project must have proper land use rights and all necessary construction permits. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Eastwood，NSW，2122 Loan Amount $2,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months In the past two years, the construction industry has been hit by waves of material price increases, becoming an economic storm that has left countless builders in despair. Amidst this crisis, many builders face a difficult choice: whether to pay material deposits in advance to lock in lower prices. However, the cumbersome approval process and lengthy disbursement period of bank loans fail to meet the urgent needs of the industry. Six months ago, a builder constructing duplexes in the bustling Eastwood area sought our assistance at Rongqiao Loans. Facing the urgent need for funds, we provided efficient approval within 24 hours and disbursed funds within a week, ensuring that the construction progress was not hindered. With the support of Rongqiao Loans, the builder not only locked in materials at lower prices but also swiftly initiated the next phase of the project and purchased an adjacent plot of land. They said: Rongqiao Loans gave them the confidence to complete the project! At a critical moment, we are not just a platform providing funds but also a strategic partner you can trust. Recently, a builder successfully auctioned off two duplexes constructed with OUF's financial support at a high price. They not only gained substantial profits from the project but also quickly embarked on the next project—constructing on another adjacent plot of land. Once again, the builder chose Rongqiao Loans, and we successfully prepared funds within an urgent timeframe, living up to expectations with professional and swift service, becoming a reliable assistant in the builder's career development. Rongqiao Loans takes pride in meeting clients' rapid and flexible financing needs. We not only provide swift financial support but also prioritize establishing long-term cooperative relationships with clients, safeguarding their business development. We tailor loan solutions to your specific needs. Through our services, builders not only gain substantial profits from projects but also share in our mutual success.Rongqiao Loans looks forward to joining hands with you to create a brilliant future. If you have similar funding needs, we will always provide professional and efficient services to help your business soar. Property Address West Pennant Hills , NSW, 2125 Loan Amount $3,200,000 Approval Time 1 Day Loan Type Construction Loan LVR 55% Loan Term 12 Months / Property Address Yatala, QLD, 4207 Loan Amount $1,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 50% Loan Term 12 Months / Property Address Greenacre, NSW, 2190 Loan Amount $2,600,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months / Learn More Rongqiao Loan Application Form Apply Now

Commercial Loan Rongqiao commercial loans are tailored for business borrowers aiming to expand their operations or undertake significant investment activities, such as purchasing production equipment, office spaces, warehouses, etc. These loans provide financial support by leveraging the borrower's business premises or properties owned by the borrower as collateral. View Other Services What is a commercial loan? A commercial loan refers to a loan provided to businesses or merchants for purposes such as working capital, expansion, purchasing equipment, improving infrastructure, and other commercial activities. The characteristics of commercial loans include: Purpose-specific: The use of commercial loans is typically limited to business activities, such as expanding operations, acquiring fixed assets, or supplementing working capital. Diverse terms: Commercial loan terms vary widely depending on the type of loan and its purpose, ranging from a few months to 18 months. Larger amounts: Compared to personal loans, commercial loans typically involve larger amounts to meet the needs of businesses. Collateral requirement: To mitigate risk, we require businesses to provide real estate collateral. Commercial real estate mortgage If you need to purchase commercial real estate or already own commercial property that requires renovation, expansion, or refinancing, you can contact us to customize a loan solution tailored to your needs. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Wagga Wagga, NSW, 2650 Loan Amount $3,250,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months The complexity of commercial loan collateral requires a tailored approach. Our team customizes commercial loan solutions, assisting businesses in acquiring properties and achieving rapid growth. Let's join hands, and our commercial loans will propel your business to new heights. Property Address Cobbitty, NSW, 2570 Loan Amount $42,000,000 Approval Time 3 Days Loan Type Commercial Loan LVR 50% Loan Term 12 Months / Property Address St Kilda, VIC, 2219 Loan Amount $4,500,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months / Property Address Miranda, NSW, 2228 Loan Amount $1,200,000 Approval Time 1 Day Loan Type Commercial Loan LVR 58% Loan Term 12 Months / Learn More Rongqiao Loan Application Form Apply Now

BRIDGE LOAN YOUR OPTIMAL CHOICE Commercial Loan Construction Loan Residential Loan Second Mortgage Loan Our Services Residential Loan Catering to those looking to buy property in Australia and Australian residents having a fund gap or shortfall in a short period of time, lending against legally owned properties as security. Commercial Loan Rongqiao commercial loans offer financial support for businesses aiming to expand or undertake major investments like acquiring production equipment or property, through mortgages on their premises. Construction Loan Construction loans are suitable for developers and builders having a fund gap or shortfall for a short period of time during development and construction. In recent years, with the tightening of bank loans policy, Rongqiao offers more flexible financing solutions tailored to the specific needs of developers. Second Mortgage Loan We do take a 2nd mortgage as security, however these normally require a higher rate and often require the consent of the 1st mortgage holder's and sometimes a Deed of Priority to be entered with the 1st mortgage holder. If you require a 2nd mortgage loan, it is best to speak to our experienced team. Learn More Quick Settlement No success, no fee. Customized loan solutions 24-hour pre-approval Safe and reliable, fully transparent Funds disbursed in 72 hours Fast approval, funds quickly transferred. Loan Application Got Rejected Bank won't lend? Come to us！ All the big banks have said no, and all the second tier and specialist lenders are also struggling to meet your financing requirements? What to do now? Come to us! We are here to help! Apply Now Why Choose Us Customized Service Customer First Fast Approval Fully Transparent Personal Client Manager Who We Are Overseas Union Finance PTY LTD (ABN 68 082 155 557), holds a special operating license (ACL 405636) and an Australian financial license (AFSL 442901) issued by the Australian government. We are a mature company with a wealth of professional experience in local and cross border investments, our main products are OUF loans and funds. With an excellent track record in loan management and risk control experience, our dedicated loans team is committed to providing short-term mortgage bridge loans, construction loans and commercial loans to both Australians and oversea investors. We aim to solve the urgent needs of our customers by providing them with sufficient capital flow to achieve their goals. Our veterans in the funds' department have helped managed over billions of dollars, helping stimulate the Australia economy across multiple industries. Our motto to become the one-stop solution for personalised asset and financial management provides our customers with a unique customised experience. This fund provides our investors with an exceptional opportunity to participate in the Australian real estate market whilst ensuring generous returns on investments. About Us Successful Projects Property Address Eastwood，NSW，2122 Loan Amount $2,800,000 Approval Time 1 Day Loan Type Construction Loan LVR 60% Loan Term 12 Months After obtaining DA approval, our client swiftly secured low-cost building materials with our financial assistance, locking in prices before the rise in construction costs. They built four brand-new Duplexes, racing against time to control costs and achieve considerable profits. Property Address Hunters Hill, NSW, 2110 Loan Amount $3,600,000 Approval Time 1 Day Loan Type Residential Loan LVR 55% Loan Term 12 Months Travel enthusiast Mr. Zhang faced an urgent property settlement notice after buying a waterfront mansion, needing completion in two weeks. Rongqiao Loans swiftly intervened with a unique loan solution, ensuring a smooth purchase and preventing a 10% deposit loss. Property Address Wagga Wagga, NSW, 2650 Loan Amount $3,250,000 Approval Time 2 Days Loan Type Commercial Loan LVR 60% Loan Term 12 Months Navigating complex commercial loan collateral, our team crafted tailored loan solutions, aiding our client's business in acquiring the property and facilitating rapid growth. Together, we propel your business to new heights with commercial loans. Learn More Loan Application Form Apply Now Investment Application Form Apply Now

Australian banks continue to hold high interest rates, real estate developers are on the brink of survival Australian banks continue to have high interest rates. So this is how you can turn the tide? ! Recently, my friends around me are overwhelmed by the continued high interest rates of banks. Australia has maintained a base interest rate of 4.35% for 10 months. The protagonist Xiaolin, as a well-recognized local real estate developer, encountered unprecedented challenges. His project was originally progressing smoothly, but the Reserve Bank of Australia has maintained a high base interest rate, and the apartment buildings he developed have also entered a period of stagnation in sales, which has caused problems with the cash flow of the market company. To make matters worse, the bank he has been working with did not provide any help, but instead cut off the source of funds. It began to urge him to repay various construction loans as soon as possible. On one hand, there are apartments that cannot be sold, and on the other hand, there are banks that need to be repaid immediately. Xiaolin is under great pressure and urgently needs a sum of money as a transition. Later, through the recommendation of a friend, he found the Rongqiao Bridge Loan team, which provided him with a flexible financing plan. Xiaolin mortgaged all the unsold buildings to them, including the newly developed properties in Liverpool, using the method of "selling one house and releasing one house" to ensure that he could steadily release funds and maintain sufficient cash flow for the project. What he didn't expect was that Rongqiao Bridge Loan responded very quickly. In less than three days, he successfully borrowed 4 million Australian dollars. This fund was injected in time to ensure the continued operation of the overall project. Rongqiao Bridge Loan has won the trust of customers with its excellent service, providing personalized loan solutions, loan pre-approval within 24 hours, and loan disbursement within 72 hours. In addition, Rongqiao Bridge Loan also promises "no success, no fee", helping real estate developers like Xiaolin solve funding problems at a critical moment and successfully solving their urgent needs. Back to Success Stories

OUF Finance Management With security and safety as our main investment concerns, we are able to provide a high return with perfectly managed risks. Wealth consultation Investment management Asset Management Customized service Historical average annual return of 6%* *Past performance is for illustrative purposes only, not a reliable indicator of future performance Professional risk control team, Priority mortgage guarantee Controllable risks High returns Quarterly interest payment Protecting investments with the guarantee of collateral. Able to withdraw investments at any time. * * If you exit early before the product expires, Investors need to inform our company one month in advance High liquidity Short payback period Project Flow Project Application After submitting the application form online, A fund specialist will contact you. Project matching Projects will be matched according to your financial situation, financial goals and risk appetite. Gain Deposit your investment income to Your designated account. Apply Now

Rongqiao Loan Services We provide comprehensive and professional financial solutions with a sincere service attitude, tailoring the best investment plan based on your specific circumstances. Loan application process Fill out the loan application form Loan specialist to contact you Quick pre-approval Residential loan Aussies who cannot obtain bank loans due to short term capital turnover issues, oversea people who wish to invest in Australian properties, OUF has a solution for you. Learn More Apply Now Commercial Loan Want to expand your business or purchase large scale equipment? Businesses can apply now for financial support through our Commercial bridge loans. Learn More Apply Now Construction loan Developers who need a short-term financial injection for project development and construction work can seek out OUF’s flexible financing solutions customisable around individual needs. Learn More Apply Now Second Mortgage Loan These loans obtained on mortgaged properties, which are behind initial loans; therefore, they have higher risks and higher interest rates than first mortgage. Learn More Apply Now