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Mortgage Easy


Mortgage Easy services are provided by Bank of China Limited Macau Branch. Pursuant to the policy of the local government to support the development of small and medium enterprises ("SME") in Macau, "Mortgage Easy" has been designed specially to meet the financing needs of SMEs, especially those in industries encouraged by the government, such as franchises, chain stores, brand agents, tour, trading, catering and other retail companies, etc. This loan can be used for purposes including business operation, purchasing equipment, business expansion, shop renovation, capital increment and so on.


1. Quick approval.

2. No financial statements required, and in conjunction to Government SME Schemes of " Subsidy Scheme for Encouraging Enterprise Upgrading and Development".

Type of Loan

As a term loan (to be repaid by monthly installment) or a revolving credit line.

Loan Limit

Maximum 10,000,000.


Up to 15 years

Eligible Customers

Legal entities of sole proprietorship, limited company registered in Macau SAR, corporate owner(s) or shareholder(s). Medical clinics, Law firms and Accounting firms registered in owner’s name are all welcome.

Application requirement

1.Declaration Form of Start ∕Alternation of Activity of Industrial Contribution (M1), or Receipt of Industrial Contribution (M7 or M8), or valid Business Registration Certificate.

2. Copies of identification documents of owner(s) of Sole proprietorship entity or shareholders ∕person in charge of limited company.

3. Bank statements (This is not required if customers have preferred BOC to be the major banker).

4. SMEs legally registered in Macau. Business address is required. In the case that the business address does not clearly correspond to the business the SME is in, supporting documents should be provided for further details.

5. The credit standing of the applicant should be good without any non-performing loan records.

Remarks: All application is subject to the final approval of the Bank. Other terms and conditions apply.

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