香港政府「百分百擔保特惠貸款」接受申請

 

香港按證保險有限公司(按證保險公司)宣布,中小企融資擔保計劃下的「百分百擔保特惠貸款」於2020年4月20日(星期一)起接受申請。以下幾家貸款機構都會接受申請﹕

 

特惠貸款適用於各行各業,貸款由政府提供百分百擔保。合資格企業須在2019年底前已最少營運3個月,並自今年2月份起任何一個月的營業額較去年任何一個季度的平均每月營業額下跌3成或以上。年利率為最優惠利率減2.5%(即現時實際利率2.75%),擔保費全免。每宗申請的最高貸款額為有關企業的6個月僱員薪金及租金的總和*,或400萬港元,以較低者為準。企業亦可選擇首12個月還息不還本,以減輕即時的還款壓力。

 

*如企業沒聘請僱員,亦沒租用辦公室,可以2019年最高單月淨收入的一半替代計算。

 

公眾如有查詢,可致電中小企融資擔保計劃熱線 - 電話:(852) 2536 0392。

 

創富商務有限公司
二零二零年四月二十一日

 

 

 

Date : 21 April 2020

 

Dear Valued Customer,

 

The HKSAR Special 100% Loan Guarantee to Receive Applications

 

Hong Kong Mortgage Corporation Limited announces that, the Special 100% Loan Guarantee under the SME Financing Guarantee Scheme (SFGS) starts receiving applications from 20 April 2020 (Monday). all lenders under the SFGS to participate in the Special 100% Loan Guarantee and the following lenders will receive applications:

 

The Special 100% Loan Guarantee is applicable to all sectors.  The loans will be fully guaranteed by the Government.  Eligible enterprises should have been operating for at least three months as at end-December 2019, and have suffered at least a 30% decline in sales turnover in any month since February 2020 compared with the monthly average of any quarter in 2019.  An interest rate of the Prime Rate minus 2.5% per annum (i.e. current interest rate at 2.75%) will be charged.  All guarantee fee will be waived.  The maximum amount of the loan per enterprise is the total amount of employee wages and rents for 6 months*, or HK$4 million, whichever is lower.  Enterprises may also apply for an optional principal moratorium for the first 12 months, so as to alleviate instant burden on repayment.

 

* If an enterprise does not have either employee(s) or rented office(s), the calculation can be replaced by half of the maximum monthly net income in 2019.

 

For public enquiries, please call the SFGS Hotline at (852) 2536 0392.