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失業貸款設1%利息 增還款成本 財庫局:避免計劃被濫用
01 Mar 2021

 

新一份《財政預算案》宣布為失業人士設立「百分百擔保個人特惠貸款計劃」,18歲或以上香港永久性居民,在申請貸款時失業至少兩個月,並且可以證明其已失去主要經常收入,可申請貸款計劃。財經事務及庫務局局長許正宇今日出席立法會財經事務委員會時表示,設立1%的利息是期望透過增加還款成本,避免計劃被濫用。

 

計劃為「百分百擔保個人特惠貸款計劃」設定1%的固定利息,以增加還款成本。



許正宇指,計劃假設整體壞帳率25%,是參考過中小企百分百擔保貸款計劃而制定,設定1%的固定利息是用以增加還款成本,避免計劃被濫用,令公帑可以用得其所,聚焦幫助失業影響的一系列市民,防止道德風險。

對於放無薪假僱員及應屆畢業生不符合計劃申請資格,許正宇表示,是次計劃希望聚焦協助失業人士,申請資格已經盡量擴闊,但難有一個政策能夠方方面面都顧及。他說,明白青年在經濟下行就業機會減少,正考慮通過其他計劃幫助他們。

被問及貸款人不還款的結果,揭證券有限公司高級副總裁陳令行指,會請銀行根據現時追收違債做法跟進,有關追收無效之後的行動,則要再與銀行商討。

 

資料來源:星島日報

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