• 繁體中文 | 简体中文 | English | Español

Cathay bank


Online Banking

Real Estate & Construction Financing

If you are looking for financing to expand your current facility, acquire investment property or build a new office, a residential complex or a warehouse, Cathay Bank provides a broad range of commercial real estate financing programs tailored to meet your varying needs.

At Cathay Bank, we offer a full spectrum of short and long-term loans at competitive fixed or variable rates for most types of commercial real estate projects.  Our fixed-rate loan is tied to the U.S. Treasury Bills for permanent financing projects.  Our variable-rate loan is tied to the Wall Street Journal Prime Rate or Cathay Bank Reference Rate plus a margin.

As a direct lender, our experienced real estate specialists are committed to guiding you through every phase of a project from customizing your loan package to helping you evaluate future growth opportunities when the project is completed.

Currently, the Bank is actively building relationships with commercial real estate investors throughout California, Texas, Massachusetts, Illinois, Washington and New York.  We are also focused on providing construction financing for developers in California and New York.  The Bank's flexible underwriting guidelines have earned its premier reputation in local real estate markets.  As such, our diversified client base continues to grow every year.

In addition to our conventional real estate financing, the Bank can also act as an agent bank or a participating bank for a loan syndication in which the project financing is over our legal lending limit or out of our service area.

To help you better understand our commercial real estate financing options, below is the major summary of its lending program.

Type of Financing

  • Property refinancing
  • Property purchase
  • New construction
  • Construction with mini-permanent financing
  • Build-to-suits construction

Type of Real Estate Project

  • Single family residence
  • Planned unit development (PUD), tract house, townhouse, condominiums, etc.
  • Apartment complexes
  • Retail centers
  • Light industrial warehouses
  • Office buildings
  • Mixed-use projects
  • Hotels/motels
  • Franchise/national chained restaurant buildings

The maximum loan maturities vary depending on the use of proceeds.

  • Construction financing - Variable-rate loan with maturities from 12 - 18 months
  • Mini-permanent financing - Variable-rate or fixed-rate loan with maturities from 5 - 10 years with 15 - 25 years amortization

For more information, please contact our real estate loan officers.
Eddie Chang (626) 279-3710 Southern California Region
Chang Liu (626) 279-3604 Northern California and Washington Regions
David Wu (718) 886-7500 New York Region
Peggy Chan (718) 512-0910 New York Region
Ming Burdett (713) 278-9599 Texas Region
Grant Pattison (617) 933-8468 Boston Region
Judi Yu (312) 225-5991 Chicago Region






Consumer Customer Service
6:00 a.m. - 7:30 p.m. Pacific Time, Monday through Friday.

Business Customer Service

6:00 a.m. - 6:00 p.m. Pacific Time, Monday through Friday.

Automated information is available 24 hours a day, 7 days a week.

U.S. customers in Hong Kong can dial toll-free 3710-1400 to contact U.S. Customer Service directly.

Thanks for visiting the Cathay Bank Web Site!

You are about to leave the web site of Cathay Bank and enter into a site that is not controlled by us.

Cathay Bank does not endorse, sponsor or guarantee the information, content, presentation, accuracy or recommendations provided by the site. In addition, Cathay Bank is not responsible for the privacy practices or security of the site. You are encouraged to review the privacy policy of the Web Site before providing any personal information.

If you have any complaints regarding the site, or the service(s) offered, please contact us at:

Cathay Bank

Compliance Department

9650 Flair Drive EL-5-C

El Monte, CA 91731.

Cathay Bank Logo

E-mail communication is not secure

Please do not include sensitive information such as account numbers or non-public personal information such as Social Security or Tax Identification numbers in any e-mail sent to us via this link.