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

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) * Required Real estate equity investment Real estate debt investment Real Estate Pool Fund Comprehensive Investment Leave us a message Submit

Second Mortgage Loan Second Mortgage Loan are loans obtained on already mortgaged properties. Repayment of the second mortgage loan falls behind the first mortgage loan in priority. Therefore, the risk is higher, usually resulting in higher interest rates compared to the first mortgage loan. View Other Services What is a second mortgage loan? A second mortgage loan refers to a financing method where a property is used as collateral for a loan again, while there is already an existing mortgage loan on the property. Typically, the first loan is referred to as the first mortgage, and any subsequent loan taken out on the same property is called a second mortgage. If your property is already being used as collateral for a bank loan and you need additional financial support, we can still assist you. Contact us, and let us tailor a solution for you. Characteristics of a second mortgage loan: Subordinate priority: In the distribution of proceeds from the sale of the property, repayment of the second mortgage loan has a lower priority than the first mortgage loan. This means that in the event of default, the lender of the first mortgage loan will be repaid before the lender of the second mortgage loan. Higher interest rates: Due to the lower repayment priority of the second mortgage loan and the higher associated risk, its interest rates are usually higher than those of the first mortgage loan. Flexible use: Second mortgage loans can be used for various personal financial needs, providing greater flexibility. Additional debt burden: Second mortgage loans increase the borrower's total debt burden, which may affect the individual's financial situation. A third mortgage loan A third mortgage loan, also known as a third lien mortgage, refers to the establishment of a third mortgage lien on the same property. This type of loan arrangement occurs after the first (first lien) and second (second lien) mortgage loans, giving the lender the third priority right in the distribution of proceeds from the sale of the property. Apply Now Why Choose Us Customized Customer First Fast Approval Fully Transparent Personalized Service Latest Success Projects Property Address Bellevue Hill, NSW, 2023 Loan Amount $3,500,000 Approval Time 1 Day Loan Type Second Mortgage LVR 55% Loan term 3 Months / Property Address Woolwich, NSW, 2110 Loan Amount $1,800,000 Approval Time 1天 Loan Type Second Mortgage LVR 40% Loan Term 6 Months / Learn More Rongqiao Loan Application Form Apply Now

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!

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

Rongqiao Events Explore our journey of excellence in the financial field, where each event embodies our commitment to excellence and innovation, bringing not only business insights but also unforgettable social experiences to our clients and partners. 19.05.2024 2023 Rongqiao Cup Tennis Grand Prix The ACTC Rongqiao Cup Chinese Tennis Grand Prix concludes successfully! After fierce battles on the court and thrilling excitement, the singles and doubles tennis feast comes to a perfect end. 04.12.2023 2023 Rongqiao Cup Tennis Grand Prix The ACTC Rongqiao Cup Chinese Tennis Grand Prix concludes successfully! After fierce battles on the court and thrilling excitement, the singles and doubles tennis feast comes to a perfect end. 12.11.2023 2023 Rongqiao Youth Charity Golf Invitational 2023 Rongqiao Youth Charity Golf Invitational: Ignite dreams with the power of the swing, empowering charity. Youth strong, families thrive! 27.10.2023 2023 Rongqiao Cup Golf Elite Private Event The beginning of November marks a special day for Rongqiao Financial Group as we step towards an even more exciting future! At that time, we will host our annual extraordinary Golf Elite Private Event! 29.10.2023 Cosyeasy Yacht Party Rongqiao Financial Group will lead you into an extraordinary yacht cocktail party, a meeting of quality and luxury. Together, under the setting sun, we will share unforgettable moments with our peers! 09.11.2023 Real Estate Elite Forum Rongqiao Financial Group cordially invites our members to attend our highly anticipated Australian Real Estate Elite Forum and the 2023 Annual Dinner! ​ 17.09.2023 2023 Sydney Marathon Running Group Chase your dreams with "Rongqiao Financial" on this vibrant and challenging Sunday, as the globally renowned Sydney Marathon reignites passion in the Southern Hemisphere! 22.05.2023 Guan Wei Art Exhibition Rongqiao Financial Group invites you to explore the endless possibilities of art. Guan Wei's works blend tradition and modernity, with each painting telling a unique story. Join us for a feast of vision and thought! ​ 14.05.2023 2023 Rongqiao Cup Provincial Tennis Tournament The 2023 Rongqiao Cup Provincial Tennis Tournament is on its way. It's not just about competition, but also showcasing skills and team spirit among players from different provinces.