{"id":876,"date":"2021-10-05T07:45:24","date_gmt":"2021-10-05T07:45:24","guid":{"rendered":"https:\/\/pacersconsulting.com\/?p=876"},"modified":"2021-11-11T01:35:21","modified_gmt":"2021-11-11T01:35:21","slug":"borrow-smart-introducing-the-90-guarantee-product","status":"publish","type":"post","link":"https:\/\/pacersconsulting.com\/en\/blog-en\/others-en\/borrow-smart-introducing-the-90-guarantee-product\/876\/","title":{"rendered":"Borrow Smart – Introducing the 90% Guarantee Product"},"content":{"rendered":"\n

<\/h1>\n\n\n\n

Last time we shared about the Special 100% Loan Guarantee, but there are actually several other different credit guarantee products under the SME Financing Guarantee Program. Next up, another product that many people apply for \u2013 the 90% Guarantee Product.<\/p>\n\n\n\n

The 90% Guarantee Product<\/h2>\n\n\n\n

The 90% Guarantee Product is launched by the Hong Kong Mortgage Corporation Limited under the SME Financing Guarantee Scheme. Its purpose is to assist SMEs and non-listed companies to obtain financing and meet business needs. The Corporation provides 90% credit guarantee for these businesses.<\/p>\n\n\n\n

Who Can Apply<\/h2>\n\n\n\n
  1. Must be a limited company, sole proprietorship, partnership or unincorporated group;<\/li>
  2. Have business operations in Hong Kong and be registered under the Business Registration Ordinance (Chapter 310);<\/li>
  3. Non-operating loan business or providing funds for loan business through any means;<\/li>
  4. A related company that is not a lending institution; or<\/li>
  5. A non-listed company.<\/li><\/ol>\n\n\n\n

    Application Criteria<\/h2>\n\n\n\n

    A company that has no outstanding arrears with lending institutions.<\/p>\n\n\n\n

    Application Deadline<\/h2>\n\n\n\n

    December 16, 2019 to June 30, 2022.<\/p>\n\n\n\n

    Loan Amount<\/h2>\n\n\n\n

    The upper limit of the loan amount is HKD 8 million.<\/p>\n\n\n\n

    Loan Interest Rate and Maturity<\/h2>\n\n\n\n

    The annual interest rate of the loan is 2.5% lower than the Hong Kong dollar prime rate (generally higher than this interest rate), and the upper limit of the annual interest rate will be limited according to the business operation history of the borrowing enterprise:<\/p>\n\n\n\n

    1. Having operated for more than 3 years: 8%<\/li>
    2. Having operated for 3 years or less: 10%<\/li><\/ol>\n\n\n\n

      The term of the loan is up to 5 years.<\/p>\n\n\n\n

      Repayment<\/h2>\n\n\n\n

      Repayment is made in installments, and all borrowings must be fully amortized before the end of the guarantee period. In addition, the borrowing company can apply for up to 12 months of interest repayment without repayment of the principal (18 months if applying before December 31, 2021), so that funds can be used more flexibly.<\/p>\n\n\n\n

      Pros<\/h2>\n\n\n\n
      1. High loan amount;<\/li>
      2. Application is relatively simple;<\/li>
      3. Great flexibility, as you can increase the loan amount at any time; and<\/li>
      4. In the first 18 months, you can choose to repay interest but not the principal, which increases cash flow flexibility.<\/li><\/ol>\n\n\n\n

        Cons<\/h2>\n\n\n\n
        1. Interest rates are higher than in the Special 100% Loan Guarantee, thus the cost of borrowing is higher; and<\/li>
        2. A lump sum repayment in advance requires an additional handling fee.<\/li><\/ol>\n\n\n\n

          Application Experience<\/h2>\n\n\n\n

          We have been assisting clients in different industries for application, and we would like to share some of the various problems they have encountered.<\/p>\n\n\n\n

          1. Although there is no need to prove a decline in income for this product, financial data must be provided, so you can prepare the income statement for the new year to the most recent three months and the financial statements of the previous year before applying.<\/li>
          2. The bank will conduct due diligence on customer identities to understand the background and credit history of the company and shareholders, etc. If the bank\u2019s customer identity due diligence is not met, approval will not be given;<\/li>
          3. Although the company\u2019s loans will be guaranteed 100%, at the same time, the bank will require shareholders to sign a personal guarantee statement, so even if the company goes bankrupt, shareholders have responsibility to repay the debt;<\/li>
          4. If the company has changed company information, but has not submitted the updated version to the bank, the company will need to fill in relevant bank application forms and submit relevant supporting documents (e.g. Company Registry files). This is because the bank needs to update the information before continuing to process the relevant information, which is why applications may take 1 to 2 weeks longer;<\/li>
          5. After applying, the fastest approval time is generally one month, but if there are other problems in the way, the approval time will be longer.<\/li><\/ol>\n\n\n\n

            To Conclude<\/h2>\n\n\n\n

            90% Guarantee Products have simple application procedures and do not require many documents to be submitted. In addition, the loan amount is relatively large, so it is suitable for companies that need funds to expand their business. However, at the same time, due to the high interest rate of the Product, adequate planning on the purpose of the loan should be done before application. Planning out the amount of loan needed, as well as considering the repayment abilities of you and the company are strongly recommended. Only through smart borrowing tactics can the path to success be paved.<\/p>\n\n\n\n

            Pacers is a company that provides multifaceted and professional consulting services. We are eager to grow with our clients, so if you encounter any issues on business management, you\u2019re welcome to contact us through our website or email at info@pacersconsulting.com.<\/p>\n\n\n\n

            Want to learn more about real-life examples in business management? Check out our Facebook, Instagram and Google profiles for the newest updates!<\/p>\n","protected":false},"excerpt":{"rendered":"

            Last time we shared about the Special 100% Loan Guarantee, but there are actually several other different credit guarantee products under the SME Financing Guarantee Program. Next up, another product that many people apply for \u2013 the 90% Guarantee Product. The 90% Guarantee Product The 90% Guarantee Product is launched by the Hong Kong Mortgage […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"

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            [et_pb_column type=\"4_4\"][et_pb_text admin_label=\"Text\"]<\/p>\n\n\n

            Foreword<\/strong><\/h2>\n\n\n\n

            The trend of emigration to foreign countries has been growing lately, and it is crucial that fulfil your tax responsibilities first if you want to be at ease when you leave Hong Kong. In this post, we\u2019ve compiled some basic tax responsibilities you\u2019ll have to fulfil before you leave, and we hope that this will set everyone\u2019s mind at rest when stepping out of Hong Kong. Specifically, we will be focusing more on key points for outbound Hong Kong employees.<\/p>\n\n\n\n

            Who needs to clear tax?<\/strong><\/h2>\n\n\n\n

            According to the Inland Revenue Ordinance, all outbound employees leaving Hong Kong for over a month have to notify the Inland Revenue Department, regardless of whether they plan on coming back. This allows the IRD to decide whether they have outstanding tax items that need to be paid before leaving Hong Kong. The above procedure is called \u201ctax clearance\u201d.<\/p>\n\n\n\n

            Are there exemptions?<\/strong> <\/h2>\n\n\n\n

            Yes; if the employee has to leave Hong Kong frequently due to work, they do not have to notify the IRD.<\/p>\n\n\n\n

            Procedures for Tax Clearance<\/strong><\/h2>\n\n\n\n
            1. When handing in your resignation letter, you will have to notify your employer of your intention to leave Hong Kong, as well as your predicted date of departure. This is because employers have to file a \u201cNotification by an Employer of an Employee Who is About to Depart from Hong Kong\u201d, also known as Form IR56G, to the IRD at least one month before you depart, while also giving you a copy of the document.<\/li>
            2. Next, your employer should withhold the salary of your last month at work. If you, as the employee, do not clear all tax items you are supposed to clear, the IRD will require your employer to compensate with the amount of salary withheld. If you wish to reduce the amount of salary withheld, you could consider reducing the amount of working days in your last month of work.<\/li>
            3. You will also have to notify the IRD of your predicted date of departure (by phone, email, fax, or post). By doing so, the IRD will mail you a tax return form (BIR60) before your departure.<\/li>
            4. You will have to complete and return the tax return within the specified time limit. If you do not, if your employer\u2019s salary-withholding period is almost up, or if you run out of time before your departure, the IRD will issue a notice of assessment (the estimated amount of tax payable is usually susceptible to overestimation, therefore delaying the completion of your tax return is not recommended). If you encounter overestimated amounts of tax payable, you are allowed to dispute the assessment by filing an objection.<\/li>
            5. If you want to speed up the process of tax clearance, you can choose to bring along required documents (e.g. pay slips, MPF records, supporting documents for deduction claims, etc.) to the IRD in person. As the process takes time, it is recommended that you allow more time for your application. (Friendly reminder: as the IRD may check tax records of previous years, make sure that the supporting documents are complete.)<\/li>
            6. After assessment, the IRD will issue a notice for tax payment to you. You can choose to use cash, EPS, ATMs, or cashier\u2019s cheques to pay for all tax items immediately, and a letter of release will usually be issued on the same day. You may also choose to pay through online methods, by PPS, cheque, or a combination of the above methods, and the IRD will issue a letter of release after confirming payment (within two to ten working days). Even if you have no outstanding tax items to pay for, you must complete all tax clearance procedures before receiving a letter of release.<\/li>
            7. After your employer receives the letter of release, they are allowed to return the withheld salary. Thus, you will have fulfilled all your Hong Kong tax responsibilities, and are free to leave Hong Kong.<\/li><\/ol>\n\n\n\n

              What if I don\u2019t clear my tax?<\/strong> <\/h2>\n\n\n\n

              If a person does not go through tax clearance before leaving Hong Kong, they are liable to a Level 3 fine of HKD 10,000. The IRD may also obtain a court order to prohibit those who have not cleared their tax from leaving Hong Kong. To avoid unnecessary trouble, remember to clear your tax before you leave.<\/p>\n\n\n\n

              Pacers is a company that provides multifaceted and professional consulting services. We are eager to grow with our clients, so if you encounter any issues on taxation, you\u2019re welcome to contact us through our website<\/a> or email at info@pacersconsulting.com.<\/a><\/p>\n\n\n\n

              Want to learn more about real-life examples in taxation? Check out our Facebook, Instagram and Google profiles for the newest updates!<\/p>\n\n\n

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