Feb 24, 2022
Press Release of the HKMC Insurance Limited
Enhancements to the 100% Personal Loan Guarantee Scheme
In view of the impact on various sectors and the labour market brought by a new wave of the epidemic, the Financial Secretary announced in the 2022-23 Budget today (23 February) that the application period of the 100% Personal Loan Guarantee Scheme (PLGS) will be extended to end-April 2023. The maximum loan amount per borrower will be increased from six times to nine times the average monthly income during employment, subject to a ceiling of HK$100,000 (originally HK$80,000). In addition, the maximum repayment period under the PLGS will be extended from 6 years to 10 years, and the principal moratorium arrangement will be extended from 12 months to 18 months.
HKMC Insurance Limited 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. Before the enhanced measures come into effect, those in need may approach lending institutions to make applications based on the existing terms.
HKMC Insurance Limited 23 February 2022
新聞稿
「百分百擔保個人特惠貸款計劃」優化措施
面對新一波疫情對多個行業和勞動市場的影響，財政司司長今天（2 月 23 日）於《2022-23 年度財政預算案》宣布，「百分百擔保個人特惠 貸款計劃」的申請期延長至 2023 年 4 月底。最高貸款額由借款人在職 期間平均每月收入的六倍增加至九倍，上限由 8 萬港元提升至 10 萬港 元。另外，計劃下的最長還款期由六年延長至十年，而還息不還本的 安排則由 12 個月延長至 18 個月。
香港按證保險有限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。優化措施 生效前，有需要人士可按計劃現行條款向貸款機構作出申請。
香港按證保險有限公司 2022 年 2 月 23 日