Feb 24, 2022
Press Release
The Financial Secretary announced in the 2022-23 Budget today (23 February) that the application period for the 80% Guarantee Product, the 90% Guarantee Product and the Special 100% Loan Guarantee of the SME Financing Guarantee Scheme (SFGS) will be extended to 30 June 2023.
In addition, in order to further alleviate the cash flow pressure of small and medium-sized enterprises in the time of the pandemic, the maximum loan amount per enterprise under the Special 100% Loan Guarantee will be raised from the total amount of employee wages and rents for 18 months to that for 27 months, subject to a ceiling of HK$9 million (originally HK$6 million), and the maximum repayment period will be extended from 8 years to 10 years.
Having regard to the new arrangement by the Hong Kong Monetary Authority and the banking sector to further extend the Pre-approved Principal Payment Holiday Scheme, HKMC Insurance Limited (HKMCI) will also extend the principal moratorium arrangement under the SFGS by 6 months to a total of 30 months, and the application period for principal moratorium will be extended to end-December 2022.Meanwhile, an option for borrowers to resume making partial principal repayment for one year will be provided, allowing borrowers to resume normal repayment gradually if they are willing and capable. Whether a borrower chooses the principal moratorium arrangement or the partial principal repayment option, the loan tenor and the guarantee period will generally be extended accordingly.
The HKMCI will follow up on the implementation details with the lending institutions and strive to roll out the above measures in around one and a half months. The effective date and details will be further announced.
HKMC Insurance Limited
23 February 2022
「中小企融資擔保計劃」優化措施
財政司司長今天（2 月 23 日）於《2022-23 年度財政預算案》宣布， 「中小企融資擔保計劃」下「八成信貸擔保產品」、「九成信貸擔保 產品」及「百分百擔保特惠貸款」的申請期延長至 2023 年 6 月 30 日。
另外，為了進一步紓緩中小企在疫情下的資金周轉壓力，「百分百 擔保特惠貸款」下每家企業最高貸款額由 18 個月僱員薪金及租金的 總和提高至 27 個月，上限由 600 萬港元增加至 900 萬港元，最長還 款期由八年延長至十年。
因應香港金融管理局聯同銀行業再次延長「預先批核還息不還本」 計劃的新安排，香港按證保險有限公司（按證保險公司）也會在 「中小企融資擔保計劃」下，相應延長還息不還本安排六個月至共 30 個月，申請期延至今年底，同時提供一個為期一年的部份本金還 款選項，讓有意願和有能力的借款企業逐步回復正常還款。無論借 款企業選擇還息不還本安排或部份本金還款選項，貸款年期和擔保 期一般會予以相應延長。
按證保險公司會與貸款機構跟進執行細節，爭取約一個半月後落實 上述措施，日期及執行細節確定後會再作公布。
香港按證保險有限公司 2022 年 2 月 23 日