马兴业金融 (MIDF)低息贷款计划
马来西亚兴业金融有限公司提供下列2项低息贷款计划：
- 中小企业低息贷款(Soft Loan Scheme for Small & Medium Enterprises~SLSME)
- 协助中小企业扩充/提升业务，取得融资以购买土地、厂房、商店、机器及作为营运资本。
- 自动化与现代化低息贷款(Soft Loan Scheme for Automation and Modernization~SLSAM)
- 协助现代化及自动化生产程序及提升生产率，较少劳工密集及外劳，投入多元化增值活动。
SOFT LOAN SCHEME FOR SMALL AND MEDIUM ENTERPRISES (SLSME)
Eligibility Criteria and Main Features
1. Eligibility:
- SMEs incorporated under the Companies Act 1965 or Registration of Business Ordinance 1956;
- at least 60% equity held by Malaysians;
- possesses a valid premises licence ; and,
- SMEs with shareholdings not exceeding 20% held by public-listed companies (only if applicable).
2. Sectors:
- Manufacturing.
- Manufacturing-related services.
- Services (excluding insurance and financial services).
3. Financing Amount:
- Minimum: RM50,000.
- Maximum: RM3 million.
- IT Software / Hardware – Minimum : RM 50,000 Maximum : RM 500,000
4. Items Eligible For Financing:
- Industrial / Commercial land and factory / business premises construction, ready-built factories / business premises, plant, machinery / equipment and IT software / hardware.
- Costs incurred for initial store renovation and upgrade of store display for retail trade.
- Working capital.
5. Percentage Financing:
Fixed Assets / IT Software / Hardware
- Up to 90% of the cost of new assets.
- Up to 65% for used / reconditioned machinery/equipment which are not more than 5 years old.
Working Capital
- Up to 100% for Purchase Revolving Credit.
- Up to 80% for Sales Revolving Credit.
6. Repayment:
Fixed Assets / IT Software / Hardware
- Land & building – up to 15 years including grace period of up to 2 years.
- Plant & machinery / equipment – up to 6 years including grace period of up to 1 year.
- IT software / hardware – up to 4 years including grace period of up to 1 year.
Working Capital
- Purchase Revolving Credit & Sales Revolving Credit – up to 150 days for each drawdown including an option to rollover for a period not exceeding 60 days for eligible borrowers.
7. Interest / Profit Rate:
- 4% per annum on yearly rest.
SOFT LOAN SCHEME FOR AUTOMATION AND MODERNIZATION (SLSAM)
Eligibility Criteria and Main Features
1. Eligibility:
Companies incorporated under the Companies Act 1965:
- with at least 60% equity held by Malaysians;
- possesses a valid business licence; and,
- in operation for at least 2 years.
2. Sectors:
- Manufacturing Sector.
3. Financing Amount:
- Minimum: RM100,000.
- Maximum: RM5 million per application.
Priority will be given to first-time applications.
4. Items Eligible For Financing:
Automation *
Financing for:
- purchase of new or reconditioned automation-related machinery and equipment. **
- costs related to the installation, commissioning and related training as well as maintenance of the machinery and equipment for investment in automation.
- purchase of software and computer peripherals related to the development of the automation system.
* The automation must result in a reduced number of foreign workers employed.
** The age of reconditioned machinery and equipment shall not be more than 5 years old.
5. Percentage Financing:
- Up to 85% for new machinery and equipment.
- Up to 60% for reconditioned machinery and equipment.
6. Repayment:
- 5 to 7 years including grace period of up to 1 year.
7. Interest / Profit Rate:
- 4% per annum on yearly rest (SMEs).
- 5% per annum on yearly rest. (Non-SMEs).
上述低息贷款的年利率是介于4%及5%。所有申请必须呈交予马兴业金融有限公司，以决定是否批准。
任何询问，请联络马来西亚兴业金融有限公司，电话：03 – 2173 8888（吉隆坡总行）；04 – 229 8434（北部）；07 – 223 2727（南部）；09 – 748 3546（东海岸）；088 – 211 633（沙巴）；082 – 254 533（砂拉越），
或电邮：inquiry-feedback@midf.com.my。 (吉隆坡总行)或sabah@midf.com.my (沙巴)
资料来源：马来西亚兴业金融有限公司
