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中小企融资担保计划 - 「特别优惠措施」

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香港按揭证券有限公司(「按揭证券公司」)于2011年1月推出中小企融资担保计划(「担保计划」)。担保计划旨在协助中小企及非上市企业从参与计划的银行等机构取得贷款,应付业务需要,并在急速转变的营商环境当中,提升生产力和竞争力。在担保计划下,按揭证券公司会为合资格企业的贷款额提供五成、六成或七成的信贷担保。在政府的支持下,按揭证券公司于2012年5月31日在担保计划下推出有时限的「特别优惠措施」,担保额达贷款额的八成。申请期为九个月,到2013年2月28日止。

 

企业须在香港有业务运作、根据《商业登记条例》(第310章)注册,并且在申请担保当日,必须最少已营运业务一年,以及具备良好的还款记录。上市公司、贷款机构及贷款机构的联系公司则不可以申请本计划。

 

在担保计划下,有期贷款及循环信贷均可申请担保。企业可同时借取有期贷款及循环信贷,两种贷款的比例不设限制。有关贷款必须用作提供营运资金予企业的业务运作、购置与企业业务有关的设备或资产,或原本在担保计划下获得担保的贷款或原本获得由工业贸易署的特别信贷保证计划担保的贷款进行再融资。

 

每家企业或所属集团根据此担保计划所取得的贷款不得超过1,200万港元。最长还款年期为5年。一般来说,此担保计划主要为年利率最高至10%的贷款提供担保,但亦会个别考虑年利率超过10%的申请个案。贷款年利率的水平乃由贷款机构厘定。

 

在「中小企融资担保计划」下,按揭证券公司会为合资格企业的贷款额提供五成、六成或七成的信贷担保;而在「特别优惠措施」下,按揭证券公司则会为合资格企业的贷款额提供八成的信贷担保。

 

担保年费为贷款额/信贷额的0.5%至4.2%;而在「特别优惠措施」下,担保年费为贷款额/信贷额的0.5%至1.44%。企业可选择一次性缴付或按年缴付担保费。 企业应向参与担保计划的贷款机构商议贷款需要。基于个别贷款机构的内部贷款审批准则及企业资金需求情况,贷款机构进行企业贷款申请评估。

 

始创就中小企融资担保计划与以下银行合作,向各现有客户及准客户提供借贷咨询服务。欲知详情,欢迎致电查询。

 

       

    

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