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Hk forum

Relief measures to support your needs

Standing with our clients with supportive measures

Hong Kong is facing unprecedented challenges amid the outbreak of the novel coronavirus and a slowing economy. As such, we are launching a series of relief measures to help ease the financial burden on our clients during these difficult times.

Mortgage Principal Payment Holiday

We will offer Mortgage Principal Payment Holiday of six months to our individual clients (including those under the mortgage insurance plan) to reduce their immediate financial burden, with an option to extend the interest-only period for another six months. Clients who have a good repayment record in the past twelve months, have not participated in any government subsidy programmes, and meet our eligibility requirements can apply for the principal payment holiday from 1 March to 30 June 2020. Forms can be obtained via www.sc.com/hk, our mortgage hotline 2886-8863, or any of our branches starting from 1 March 2020.

For details, please refer to FAQs below or call our Mortgage hotline at 2886 8863 (service hour: Mon – Sat 9am – 6pm).

Please click here for the FAQs.

Supporting the SMEs

We are offering the below relief measures for our Business Banking clients:

  1. Existing clients under Business Instalment Loan, SME Financing Guarantee Scheme and SME Loan Guarantee Scheme can apply for Principal Moratorium of up to six months which is renewable, subject to a maximum of twelve months in total until 3 September 2020.
  2. New applicants for the SME Financing Guarantee Scheme can enjoy a 50% subsidy for all tenors on guarantee fee until 30 June 2022. The subsidy is capped at HKD50,000 per client[1].
  3. Account maintenance fee waiver for Start-ups or Business Instalment Loan/ SME Financing Guarantee Scheme/ SME Loan Guarantee Scheme clients[2].
  4. Zero handling fee for new applications to the SME Financing Guarantee Scheme and SME Loan Guarantee Scheme.
  5. Fast-track application process for the SME Financing Guarantee Scheme and SME Loan Guarantee Scheme up to a maximum of HK$3,000,000.
  6. 30-day extension of Maturity Date to eligible trade finance loans that mature between 24 February 2020 and 31 March 2020[3].

For details, please refer to FAQs below or contact your Relationship Manager, or call our Business Banking hotline at 2886 6988 (service hour: Mon – Fri 9am – 6pm, Sat 9am – 1pm).

Please click here for the FAQs.

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Remarks:
[1] Only applicable to clients with no overdue record during the first 6 months of the repayment period after loan drawdown.
[2] The offer is valid 31 December 2020. Eligible client will receive a rebate of the maintenance fees charged by way of cash rebate. Only applicable to clients who have: (i) established 3 years or below; or (ii) hold Business Instalment Loan / SME Financing Guarantee Scheme / SME Loan Guarantee Scheme during the month when account maintenance fee is charged.
[3] Eligible clients who must have good repayment record will be contacted by our Relationship Managers and receive a confirmation email.

Additional coverage for Life Insurance Plans

From 23 January until 30 April 2020 (the “Coverage Period”), the insured persons of Prudential’s in force life insurance plans who are unfortunately diagnosed with the “Novel Coronavirus” during the Coverage Period will be offered free additional Hospital Cash Benefit of HK$600 per day for up to 45 days with no waiting period.

We also understand that some customers may not be able to pay their renewal premiums in time due to special circumstances. As such, if the premium due date falls between 1 January to 1 March 2020 for selected Prudential’s life insurance products (including most medical and critical illness insurance plans), customers can apply for an extension of premium renewal grace period from 30 days to 90 days, allowing customers more flexibility and convenience for renewal premium payments.

For details, please refer to FAQs below or contact your Relationship Manager, or call Prudential Assurance’s service hotline at 2281 1188 (service hour: Mon – Fri 9am – 8pm, Sat 9am – 3pm, except Public Holiday).

Please click here for the FAQs.

Fee waiver for three months

In addition, from 1 March to 31 May 2020, we will waive the credit card late charge fees by way of refund to clients. The bank’s service charge for all local fund transfers through electronic channels will be waived by the same way to individual clients during this period. This is aimed to encourage our clients to use the digital channels more and reduce their need to visit a bank branch.

For details, please refer to FAQs and Terms and Conditions below, or call our service hotline at 2282 1538 (service hour: Mon – Fri 9am – 5:15pm, Sat 9am – 12:45pm).

 

Please click here for the FAQs of credit card late charge fee waiver.

Please click here for the FAQs of local fund transfer service charge waiver.

Please click here for the Terms and Conditions of local fund transfer service charge waiver.