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稅季優惠差不多完結，不少銀行/財務機構仍然有年利率較優惠的低息私人貸款產品剛客戶選擇，MoneyHero幫大家搵到最抵、最合心水的貸款產品！傳統銀行與虛銀混戰之下，除了低息，更會以豐富優惠吸引市民申請作周轉之用！

一按即到相關段落：
2023精選低息貸款 | 低息財務公司貸款 | 低息銀行貸款 | 低息貸款產品詳細資訊


MoneyHero獨家優惠

2023精選低息貸款

最低實際年利率

獎賞

最高貸款額

申請門檻
Citi 特快現金貸款 (適合稅季)
Citi 特快現金貸款 (適合稅季)
1.78 %

總值高達HK$15,699
HK$8,000現金券 + MoneyHero獨家獎賞11-吋 iPad Pro (Wi-Fi + Cellular 128GB)
$200萬 / 月薪12倍
年薪$72,000
信銀國際 $mart Plus稅季貸款
信銀國際 $mart Plus稅季貸款
2.77 %
MoneyHero獨家優惠AirPods Max (價值HK$4,599)
$200萬
年薪$84,000
渣打銀行 税季私人貸款
渣打銀行 税季私人貸款
1.85%

總值高達HK$17,499獎賞
HK$8,000現金回贈＋MoneyHero獨家獎賞MacBook Air (M2)

 
$200萬 / 月薪18倍
年薪$96,000
安信 定額私人貸款
安信 定額私人貸款
1.18 %
高達HK$12,000 現金獎賞
$80萬
不設收入要求
WeLend 私人貸款
WeLend 私人貸款
1.88 %
高達HK$18,800 現金獎賞 （獨家HK$6,800現金回贈）
$150萬
年薪$96,000
UA 「NO SHOW」免文件私人貸款
UA 「NO SHOW」免文件私人貸款
1.68 %
高達HK$18,000 現金獎賞
$60萬
/
*最高貸款額為稅額一倍註：以獎賞總值排序，最低APR未包括回贈

 

低息財務公司貸款

以貸款額HK$10萬，還款期12個月計算

最低實際年利率

獎賞

最高貸款額

申請門檻

安信 定額私人貸款
安信 定額私人貸款
1.18 %
高達HK$12,000 現金獎賞
$80萬
不設收入要求
UA 「NO SHOW」免文件私人貸款
UA 「NO SHOW」免文件私人貸款
1.68 %
高達HK$18,000 現金獎賞
$60萬
/
WeLend 私人貸款
WeLend 私人貸款
1.88 %
高達HK$18,800 現金獎賞 （獨家HK$6,800現金回贈）
$150萬
年薪$96,000
邦民 特快私人貸款
邦民 特快私人貸款
1.12 %

總值高達HK$18,599
HK$1萬現金券 + MoneyHero獨家獎賞iPhone 14 Pro
$200萬 / 月薪12倍
年薪$72,000
*適用於花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人

 

低息銀行貸款

以貸款額HK$50萬，還款期24個月計算

最低實際年利率

獎賞

最高貸款額

申請門檻
Citi 稅季貸款
Citi 稅季貸款
1.78 %

總值高達HK$18,599
HK$1萬現金券 + MoneyHero獨家獎賞iPhone 14 Pro
$200萬 / 月薪12倍
年薪$72,000
信銀國際 $mart Plus稅季貸款
信銀國際 $mart Plus稅季貸款
2.77 %
MoneyHero獨家優惠高達Apple iPad Air（價值HK$4,799）
$200萬
年薪$84,000
渣打銀行 税季私人貸款
渣打銀行 税季私人貸款
1.85%

總值高達HK$17,499獎賞
HK$8,000現金回贈＋MoneyHero獨家獎賞MacBook Air (M2)

 
$200萬 / 月薪18倍
年薪$96,000
東亞銀行 稅季貸款
東亞銀行 稅季貸款
2.04%

高達HK$5,000現金回贈 + MoneyHero獨家優惠送iPad Pro 12.9吋
$200萬 / 月薪18倍
年薪$96,000
*適用於花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人

 

MoneyHero獨家優惠

低息貸款產品詳細資訊

東亞銀行 稅季貸款

東亞銀行 稅季貸款

最高貸款額

$300萬 / 月薪12倍

申請門檻

年薪$60,000

還款期

12-60個月

手續費

0%

獎勵

Apple iPad Pro 12.9吋, 128GB, Wi-Fi 或 高達HK$8,000 Apple Store 禮品卡 / 惠康購物現金券. 4月19日截止!

  • 迎新優惠: 高達HK$5,000現金回贈
  • 0% 手續費
  • 還款期長達60個月
更多資訊
隱藏信息
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Wi-Fi (價值HK$8,899)；或</span></li> <li><span style=\"font-size: 14px;\">HK$8,000 Apple Store 禮品卡 / 惠康購物現金券</span></li> </ul> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 14.7727%; text-align: left;\">HK$400,000 - HK$799,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 47.3012%; text-align: left;\"> <ul> <li><span style=\"font-size: 14px;\">HK$7,000 Apple Store 禮品卡 / 惠康購物現金券</span></li> </ul> </td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 14.7727%; text-align: left;\">HK$300,000 - HK$399,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 47.3012%; text-align: left;\"> <ul> <li><span style=\"font-size: 14px;\">HK$6,000 Apple Store 禮品卡 / 惠康購物現金券</span></li> </ul> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 14.7727%; text-align: left;\">HK$100,000 - HK$299,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 47.3012%; text-align: left;\"> <ul> <li><span style=\"font-size: 14px;\">HK$5,000 Apple Store 禮品卡 / 惠康購物現金券</span></li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li><strong>如要領取MoneyHero獨家優惠：</strong> <ul> <li>申請時請記下申請參考編號。建議一次過交齊所需文件，以加快批核程序</li> <li>較早前經電郵發送之<strong>MoneyHero</strong>「獎賞換領表格」，請於<strong>收到後7日内</strong>填妥及遞交，供MoneyHero與東亞銀行核對獎賞資格。與此同時亦需交齊相關文件予東亞銀行。</li> <li><strong>申請小貼士﹕</strong>&nbsp; <ul> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> </ul> </li> </ul> </li> </ul> <ul> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/16485629591193\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>【東亞銀行優惠 1】 - </strong><strong>高達</strong><strong>HK$4,000</strong><strong>現金回贈</strong></p> <ul> <li>客戶於推廣期內成功經網上申請稅季貸款並提取貸款，貸款額達HK$100,000或以上而還款期達指定期數（「合資格客戶」），可享下表所示之現金回贈。</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 31.6761%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 50.8522%; text-align: left;\"><strong>&nbsp;</strong><strong>現金回贈 (還款期：36 至 60 個月)<br /></strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; height: 36px; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$500</td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; height: 36px; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$1,500</td> </tr> <tr style=\"height: 36px;\"> <td style=\"height: 36px; border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left;\">HK$300,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$2,000</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$800,000 至 HK$999,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; text-align: left; height: 36px;\">HK$3,000</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$1,000,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; text-align: left; height: 36px;\">HK$4,000</td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>【東亞銀行優惠 2】 - </strong><strong>額外</strong><strong>HK$1,000</strong><strong>現金回贈</strong></p> <ul> <li>客戶於推廣期內成功申請稅季貸款並提取貸款，貸款額達HK$50,000或以上而還款期達指定期數，並於遞交申請時並無持有任何東亞銀行之個人貸款客戶（「合資格客戶」），可享下表所示之現金回贈。</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 31.6761%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 66.9034%; text-align: left;\"><strong>&nbsp;</strong><strong>現金回贈 (還款期：12 至 60個月)<br /></strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$50,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 66.9034%; text-align: left; height: 36px;\">HK$1,000</td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>產品特色</strong></p> <ul> <li>東亞銀行保留對合資格客戶定義的最終詮釋權。現金回贈將於2023年7月31日或之前存入合資格客戶之還款戶口內而不作另行通知。於東亞銀行存入現金回贈時，客戶之貸款戶口必須仍然有效及無任何逾期還款/不良信貸記錄。</li> <li>實際年利率低至2.04%</li> <li>0%手續費</li> <li>還款期長達60個月</li> <li>貸款額高達申請人每月底薪12倍（最高HK$3,000,000）</li> </ul>"],"cons":["<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.04%只供參考（以貸款額HK$1,000,000或以上，每月平息0.10%，還款期12個月及HK$1,000現金回贈計算），所示之實際年利率乃根據《銀行營運守則》之指引計算及約至小數後2個位，並已包括手續費全數豁免。實際年利率只供參考，貸款確認書上所列明的實際年利率將不包括任何現金回贈，適用於個別客戶的實際年利率及每月還款額或有差異，並以貸款確認書上所列明的資料為準。</li> <li>稅季貸款之還款期為12或24個月，貸款額高達申請人每月底薪12倍 (最高HK$3,000,000) 。分期貸款之還款期為36、48或60個月，貸款額高達申請人每月底薪12倍 (最高HK$1,200,000)。最終獲批核之貸款額可達之每月底薪倍數按個別客戶情況而有所調整。所示之實際年利率乃根據《銀行營運守則》之指引計算及約至小數後2個位，並已包括手續費全數豁免及現金回贈。實際年利率只供參考，貸款確認書上所列明的實際年利率將不包括任何現金回贈，適用於個別客戶的實際年利率及每月還款額或有差異，並以貸款確認書上所列明的資料為準。</li> <li>如客戶申請之貸款額獲得全數批核，東亞銀行將不會通知客戶批核結果，而貸款額將直接存入其指定的銀行賬戶內。</li> <li>受條款及細則約束</li> <li>借定唔借？還得到先好借！</li> 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或 月薪12倍","【迎接稅季】客戶可享實際年利率低至2.04%，以貸款額HK$1,000,000或以上，每月平息0.10%，還款期12個月及HK$1,000現金回贈計算"]},"productName":"東亞銀行 稅季貸款","title":"HK.PL.BEAX0007.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】iPad Pro 12.9吋, 128GB, Wi-Fi 或 HK$8,000 Apple Store 禮品卡 / 惠康購物現金券</strong></p> <p>2023年3月17日至4月19日期間，客戶透過MoneyHero指定連結申請貸款額達HK$100,000或以上、還款期達12個月或以上之指定貸款，於7日內向東亞銀行提交所需證明文件，並成功獲批及提取貸款，可享以下MoneyHero獨家優惠﹕</p> <table style=\"width: 100%; height: 200px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 14.7727%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 47.3012%; height: 50px; text-align: left;\"><strong>選項2</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 14.7727%; text-align: left;\">HK$800,000 或以上</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 47.3012%; text-align: left;\"> <ul> <li><span style=\"font-size: 14px;\">iPad Pro 12.9吋, 128GB, 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width: 47.3012%; text-align: left;\"> <ul> <li><span style=\"font-size: 14px;\">HK$5,000 Apple Store 禮品卡 / 惠康購物現金券</span></li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li><strong>如要領取MoneyHero獨家優惠：</strong> <ul> <li>申請時請記下申請參考編號。建議一次過交齊所需文件，以加快批核程序</li> <li>較早前經電郵發送之<strong>MoneyHero</strong>「獎賞換領表格」，請於<strong>收到後7日内</strong>填妥及遞交，供MoneyHero與東亞銀行核對獎賞資格。與此同時亦需交齊相關文件予東亞銀行。</li> <li><strong>申請小貼士﹕</strong>&nbsp; <ul> <li>申請產品前請關掉AdBlocker及「私人模式」：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> </ul> </li> </ul> </li> </ul> <ul> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/16485629591193\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>【東亞銀行優惠 1】 - </strong><strong>高達</strong><strong>HK$4,000</strong><strong>現金回贈</strong></p> <ul> <li>客戶於推廣期內成功經網上申請稅季貸款並提取貸款，貸款額達HK$100,000或以上而還款期達指定期數（「合資格客戶」），可享下表所示之現金回贈。</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 31.6761%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 50.8522%; text-align: left;\"><strong>&nbsp;</strong><strong>現金回贈 (還款期：36 至 60 個月)<br /></strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; height: 36px; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$500</td> </tr> <tr style=\"height: 36px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; height: 36px; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$1,500</td> </tr> <tr style=\"height: 36px;\"> <td style=\"height: 36px; border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left;\">HK$300,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; height: 36px; text-align: left;\">HK$2,000</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$800,000 至 HK$999,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; text-align: left; height: 36px;\">HK$3,000</td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$1,000,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 50.8522%; text-align: left; height: 36px;\">HK$4,000</td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>【東亞銀行優惠 2】 - </strong><strong>額外</strong><strong>HK$1,000</strong><strong>現金回贈</strong></p> <ul> <li>客戶於推廣期內成功申請稅季貸款並提取貸款，貸款額達HK$50,000或以上而還款期達指定期數，並於遞交申請時並無持有任何東亞銀行之個人貸款客戶（「合資格客戶」），可享下表所示之現金回贈。</li> </ul> <table style=\"width: 100%;\"> <tbody> <tr style=\"height: 36px;\"> <td style=\"height: 36px; width: 31.6761%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 66.9034%; text-align: left;\"><strong>&nbsp;</strong><strong>現金回贈 (還款期：12 至 60個月)<br /></strong></td> </tr> <tr style=\"height: 18px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 31.6761%; text-align: left; height: 36px;\">HK$50,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 66.9034%; text-align: left; height: 36px;\">HK$1,000</td> </tr> </tbody> </table> <p>&nbsp;</p>","<p><strong>產品特色</strong></p> <ul> <li>東亞銀行保留對合資格客戶定義的最終詮釋權。現金回贈將於2023年7月31日或之前存入合資格客戶之還款戶口內而不作另行通知。於東亞銀行存入現金回贈時，客戶之貸款戶口必須仍然有效及無任何逾期還款/不良信貸記錄。</li> <li>實際年利率低至2.04%</li> <li>0%手續費</li> <li>還款期長達60個月</li> <li>貸款額高達申請人每月底薪12倍（最高HK$3,000,000）</li> </ul>"],"cons":["<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.04%只供參考（以貸款額HK$1,000,000或以上，每月平息0.10%，還款期12個月及HK$1,000現金回贈計算），所示之實際年利率乃根據《銀行營運守則》之指引計算及約至小數後2個位，並已包括手續費全數豁免。實際年利率只供參考，貸款確認書上所列明的實際年利率將不包括任何現金回贈，適用於個別客戶的實際年利率及每月還款額或有差異，並以貸款確認書上所列明的資料為準。</li> <li>稅季貸款之還款期為12或24個月，貸款額高達申請人每月底薪12倍 (最高HK$3,000,000) 。分期貸款之還款期為36、48或60個月，貸款額高達申請人每月底薪12倍 (最高HK$1,200,000)。最終獲批核之貸款額可達之每月底薪倍數按個別客戶情況而有所調整。所示之實際年利率乃根據《銀行營運守則》之指引計算及約至小數後2個位，並已包括手續費全數豁免及現金回贈。實際年利率只供參考，貸款確認書上所列明的實際年利率將不包括任何現金回贈，適用於個別客戶的實際年利率及每月還款額或有差異，並以貸款確認書上所列明的資料為準。</li> <li>如客戶申請之貸款額獲得全數批核，東亞銀行將不會通知客戶批核結果，而貸款額將直接存入其指定的銀行賬戶內。</li> <li>受條款及細則約束</li> <li>借定唔借？還得到先好借！</li> 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hs_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=東亞銀行 稅季貸款, hs_updated_by_user_id=60412388}, id=62168994248, table_id=4701663, table_name=product_moneyhero})

Citi 稅季貸款

Citi 稅季貸款

最高貸款額

$200萬 / 月薪12倍

申請門檻

年薪$72,000

還款期

6-60個月

手續費

0%

獎勵

【1月31日截止】經MoneryHero申請，不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券，成功提取私人貸款可尊享 iPhone 15 Pro 512GB / 高達HK$11,000 Apple Store 禮品卡 / 超市現金券；總獎賞高達HK$12,380 + HK$8,000 + HK$800 = HK$21,180

  • 靈活還款期，無隱藏條款
  • 貸款即日批核，現金即日到手

🥇【全城最高優惠保證】保證MoneyHero獨家優惠比其他平台高，如果你成功經MoneyHero申請後發現其他平台有更高優惠，可以申請以現金券形式補回差額！即睇詳情

【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 超市現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情

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稅季貸款","title":"HK.PL.CITI0004.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>：2024年1月2日下午6時至1月31日下午6時，成功經MoneyHero申請，並於1月31日或之前向銀行交齊所有文件，不論貸款額及是否獲批核，可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24874727402137\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： \t<ul> \t\t<li>2024年1月2日中午12時至2024年1月31日下午6時期間經MoneyHero成功申請Citi 稅季貸款或Citi 卡數結餘轉戶，</li> \t\t<li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> \t</ul> \t</li> </ul> <table style=\"height:250px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:17.8977%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:29.1193%\"><strong>MoneyHero獨家獎賞</strong></td> \t\t</tr> \t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$2,000,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 512GB (價值HK$11,099)</li> \t\t\t\t<li>HK$11,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr>\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$800,000 至 HK$1,999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG Galaxy Book3 Pro (14\", i5, 16GB, Intel Xe Graphics) (價值HK$12,380)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2024年1月1日至2024年3月31日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年4月14日或之前提取貸款，可獲高達HK$8,000現金券：</p> <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>現金券獎賞換領信將於2024年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","有關全城最高獨家優惠保證，請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=Citi 稅季貸款, hs_updated_by_user_id=60412388}}, reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=false, show_banner=false, show_promotional_in_card=true}, static_text={cta_button_label=官網申請, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, rewards=獎勵, yes=Yes, no=No, day=Day, days=Days}, style={call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, tabs={eligibility={heading=申請資格, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=產品特色, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=推廣優惠/迎新禮品, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=62168994031, hs_child_table_id=0, hs_updated_at=1704363006134, hs_published_at=1713514215926, productid=blta5a95a9d04561cff_23_zh-hk, data={"__typename":"PersonalLoan","id":"blta5a95a9d04561cff_23_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>【1月31日截止】經MoneryHero申請，不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券，成功提取私人貸款可尊享 iPhone 15 Pro 512GB / 高達HK$11,000 Apple Store 禮品卡 / 超市現金券；總獎賞高達HK$12,380 + HK$8,000 + HK$800 = HK$21,180</strong></p><ul><li>靈活還款期，無隱藏條款</li><li>貸款即日批核，現金即日到手</li></ul><p>🥇<strong>【全城最高優惠保證】</strong>保證MoneyHero獨家優惠比其他平台高，如果你成功經MoneyHero申請後發現其他平台有更高優惠，可以申請以現金券形式補回差額！<a href=\"https://www.moneyhero.com.hk/zh/campaign/best-price?utm_source=PL_CitiRPlisting&utm_medium=referral&utm_campaign=BestPrice\">即睇詳情</a></p><p></p><p><strong>【推薦人獎上獎活動】</strong>成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 超市現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！<a href=\"https://www.moneyhero.com.hk/zh/campaign/mgm-offer\">即睇詳情</a>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltf7dcadfdfdb1c75d/65965d4b14672f09596fa2be/20240104_[PL]_Citi_PL_Jan_2024_Campaign_D-PJ23_0887_Offer_Enhancement-V01_Static_Banner_TC_(1600_x_400)_1.jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"},{"key":"BEST_VALUE","display":"推薦獎賞計劃"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":411520000,"displayValue":"411,520","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11431111,"displayValue":"11,431","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1780,"displayValue":"1.78","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaNWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS10YXgtbG9hbi16aC1yZXN1bHRwYWdl.8GLID3gTNpy-x3BOffN6qZ15HhyyQmtp_571TsTkswXnHLDJIFuarnz06BP-812vJbUFjXiCcYKry704qF6dDg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-tax-season-loan"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["【特快批核】實際年利率低至1.78%，以月平息0.08%、貸款額HK$3,500,000及還款期12個月計算","其他貸款額及還款期的實際年利率，以實際批核結果為準"]},"productName":"Citi 稅季貸款","title":"HK.PL.CITI0004.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>：2024年1月2日下午6時至1月31日下午6時，成功經MoneyHero申請，並於1月31日或之前向銀行交齊所有文件，不論貸款額及是否獲批核，可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24874727402137\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： \t<ul> \t\t<li>2024年1月2日中午12時至2024年1月31日下午6時期間經MoneyHero成功申請Citi 稅季貸款或Citi 卡數結餘轉戶，</li> \t\t<li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> \t</ul> \t</li> </ul> <table style=\"height:250px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:17.8977%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:29.1193%\"><strong>MoneyHero獨家獎賞</strong></td> \t\t</tr> \t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$2,000,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 512GB (價值HK$11,099)</li> \t\t\t\t<li>HK$11,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr>\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$800,000 至 HK$1,999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG Galaxy Book3 Pro (14\", i5, 16GB, Intel Xe Graphics) (價值HK$12,380)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2024年1月1日至2024年3月31日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年4月14日或之前提取貸款，可獲高達HK$8,000現金券：</p> <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>現金券獎賞換領信將於2024年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","有關全城最高獨家優惠保證，請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=Citi 稅季貸款, hs_updated_by_user_id=60412388}, id=62168994031, table_id=4701663, table_name=product_moneyhero})

安信 定額私人貸款

安信 定額私人貸款

最高貸款額

$80萬

申請門檻

年滿18歲或以上香港居民，不設收入要求

還款期

72個月

手續費

0%

獎勵

高達HK$12,800獎賞，包括MoneyHero獨家HK$800 Apple Store 禮品卡 或 惠康現金券；及高達HK$12,000大利是！2月29日下午6時截止！
  • 成功遞交申請7日內記得按此填妥「獎賞換領表格」
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href=\"https://ad.doubleclick.net/ddm/trackclk/N555206.1981105MONEYHERO/B31103001.382138392;dc_trk_aid=572779673;dc_trk_cid=205370006;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=;dc_tdv=1 \" rel=\"noopener\">安信網頁</a>。 \t<p>&nbsp;</p> \t</li> </ul>","<em><span style=\"text-decoration: underline;\">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/prcr/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","<em><span style=\"text-decoration: underline;\">「財務公司的私人貸款比銀行易批出，因為財務公司的審批彈性較大，對於信貸評級（TU）的要求亦會較寬鬆」</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/私人貸款-易批貸款-銀行-財務公司\" ga-category=\"personal-loan\" da-action=\"product panel - clicked\" ga-label=\"/rp/prcr/pl\" target=\"_blank\">【易批私人貸款】銀行及財務公司借錢批核條件比較</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li> <p>推廣期由2024年1月1日至2024年2月29日止(包括首尾兩日)。優惠須受條款及細則約束，並不可與其他優惠同時使用。安信有權隨時終止有關優惠或修改其詳情及條款及細則而不作另行通知。貸款及優惠詳情，請向安信查詢。安信信貸有限公司擁有對貸款審批及任何爭議之最終決定權。</p> <li =\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2111 2999<br />放債人牌照號碼：759/2023</p></li> </ul>"]},"eligibility":[],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":72,"loanAmountMin":5000.0,"loanAmountMax":800000.0,"apr":1.18,"eir":null,"interestRate":0.05,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=安信 定額私人貸款, hs_updated_by_user_id=60412388}, id=62168994033, table_id=4701663, table_name=product_moneyhero})

WeLend 私人貸款

WeLend 私人貸款

最高貸款額

$250萬 / 月薪18倍

申請門檻

年滿20歲或以上香港永久居民及

年薪$96,000或以上

還款期

12-60個月

手續費

0%

獎勵

【2024年1月31日截止】經MoneryHero成功申請並交齊文件，可享HK$500 Apple Store 禮品卡 或 惠康現金券，不論批核結果及貸款額。成功提取貸款，更可享高達HK$19,000現金獎! (包括獨家HK$8,200現金回贈)
  • 成功遞交申請7日內記得按此填妥「獎賞換領表格」
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隱藏信息
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text-align:left; width:247px\"><strong>提取之貸款金額</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:165px\"><strong>還款期</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:318px\"> \t\t\t<p><strong>WeLend現金獎</strong></p> \t\t\t</td> \t\t\t<td style=\"height:30px; text-align:left; width:241px\"><strong>MoneyHero獨家現金回贈</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:385px\"> \t\t\t<p><strong>總現金獎</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$100,001 至 HK$200,000</td> \t\t\t<td rowspan=\"7\" style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:165px\">24個月或以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$2,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$2,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$200,001 至 HK$300,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$7,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$300,001 至 HK$400,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$4,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$8,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$400,001 至 HK$500,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$5,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$10,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$500,001 至 HK$600,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$8,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$13,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$600,001 至 HK$800,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$10,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$8,200</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$19,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$800,001 或 以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$12,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$12,000</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltfe7e7d63e4c1ddc5/656233b494e6c99245215260/Dec_MoenyHero_Exclusive_Cash_Rebate_Offer_TnC_Up_to_19_000.pdf\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理</li> <li>貸款額HK$500,000或以上同樣可享稅貸低息 <ul> <li>申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明</li> </ul> </li> <li>應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足 <ul> <li>申請須符合特定信貸批核要求</li> </ul> </li> <li>免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手 <ul> <li>網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定</li> </ul> </li> <li>A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答</li> </ul>","<em><span style=\"text-decoration: underline;\">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/welend/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>以上利率及還款資料僅供參考 <ul> <li>最終須按客戶之申請資料及個人信貸紀錄而定；</li> <li>WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權</li> </ul> </li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：3590 6396<br />放債人牌照號碼：0958/2023</li> 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user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=false, show_banner=false, show_promotional_in_card=true}, static_text={cta_button_label=官網申請, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, rewards=獎勵, yes=Yes, no=No, day=Day, days=Days}, style={call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, 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惠康現金券</strong>，不論批核結果及貸款額。成功提取貸款，更可享高達<strong>HK$19,000現金獎</strong>! (包括獨家HK$8,200現金回贈)</span><ul><li>成功遞交申請7日內記得<a href=\"https://moneyhero.link/welend-personal-loans-pl-zh-result-page-mheo\" target=\"_blank\" rel=\"noopener\"><strong>按此</strong></a>填妥「獎賞換領表格」</li></ul>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltcc545560b1bbb93d/654a48ebb42e39040a699f06/20231109-_PL_-WeLend-Nov-campaign-D-PJ23_0774-Campaign_Static-Banner_01_CN_OP.jpg","description":null,"dimension":null},"countdown":{"text":"快閃倒數","displayProductPage":false,"date":{"startDate":null,"endDate":"2022-08-31T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":411664000,"displayValue":"411,664","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11435111,"displayValue":"11,435","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1880,"displayValue":"1.88","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvd2VsZW5kLXBpbC1wbC16aC1ycA.57R-F5w32rRl_EJgG18BkdHEZ8dZ0tvV0fclyXyqPc0Xvxynt05Avdmnrp0-BM4eqz2oh2h3QynPKU2KtAj5Cw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"welend-personal-loan"},"rateTableEntries":[{"loanTenureMin":1,"loanTenureMax":84,"loanAmountMin":50001.0,"loanAmountMax":1500000.0,"apr":1.88,"eir":null,"interestRate":0.081,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"welend","providerName":"WeLend"},"description":{"shortDescription":["【A.I. 大額貸款組合】一筆過即享大額現金流旁身，再有特長還款期","【A.I.級簡便】免入息及住址證明"]},"productName":"WeLend 私人貸款","title":"HK.PL.WELE0004.PERSONALLOAN","features":{"title":"Features","pros":["WeScore信貸新指標 WeLend 4億組數據助你信貸健康!","<p><strong>【MoneyHero 獨家優惠】HK$500 Apple Store 禮品卡 或 惠康現金券</strong></p> <ul> \t<li>由2023年10月13日中午12時至2024年1月31日下午6時（包括首尾兩日），經MoneyHero申請WeLend私人貸款，無論成功與否都可獲HK$500 Apple Store 禮品卡 或 惠康現金券。</li><li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24088647355033\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li>","<p><strong>【MoneyHero 獨家優惠】額外高達HK$8,200現金回贈</strong></p> <ul> \t<li>由2023年10月4日至2024年1月31日（包括首尾兩日），經MoneyHero成功申請並提取WeLend私人貸款，可享MoneyHero獨家現金回贈及WeLend迎新現金回贈總計高達$19,000 。</li> </ul> <table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:left; width:247px\"><strong>提取之貸款金額</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:165px\"><strong>還款期</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:318px\"> \t\t\t<p><strong>WeLend現金獎</strong></p> \t\t\t</td> \t\t\t<td style=\"height:30px; text-align:left; width:241px\"><strong>MoneyHero獨家現金回贈</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:385px\"> \t\t\t<p><strong>總現金獎</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$100,001 至 HK$200,000</td> \t\t\t<td rowspan=\"7\" style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:165px\">24個月或以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$2,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$2,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$200,001 至 HK$300,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$7,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$300,001 至 HK$400,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$4,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$8,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$400,001 至 HK$500,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$5,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$10,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$500,001 至 HK$600,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$8,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$13,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$600,001 至 HK$800,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$10,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$8,200</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$19,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$800,001 或 以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$12,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$12,000</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltfe7e7d63e4c1ddc5/656233b494e6c99245215260/Dec_MoenyHero_Exclusive_Cash_Rebate_Offer_TnC_Up_to_19_000.pdf\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理</li> <li>貸款額HK$500,000或以上同樣可享稅貸低息 <ul> <li>申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明</li> </ul> </li> <li>應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足 <ul> <li>申請須符合特定信貸批核要求</li> </ul> </li> <li>免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手 <ul> <li>網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定</li> </ul> </li> <li>A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答</li> </ul>","<em><span style=\"text-decoration: underline;\">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/welend/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>以上利率及還款資料僅供參考 <ul> <li>最終須按客戶之申請資料及個人信貸紀錄而定；</li> <li>WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權</li> </ul> </li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：3590 6396<br />放債人牌照號碼：0958/2023</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":1,"loanTenureMax":84,"loanAmountMin":50001.0,"loanAmountMax":1500000.0,"apr":1.88,"eir":null,"interestRate":0.081,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=WeLend 私人貸款, hs_updated_by_user_id=60412388}, id=62168994034, table_id=4701663, table_name=product_moneyhero})

 

稅貸和一般分期貸款有甚麼分別？

稅貸是每年稅季都會推出的特別貸款產品，大部分銀行會在每年10至11月份推出稅貸，直到翌年4月都接受申請，可說是期間限定產品，而一般分期貸款則全年任何時候均接受申請。

稅貸的最大優點就是利息比一般分期貸款低，多僅為2厘左右，2023年有銀行推出APR低至1.68%的稅貸。稅貸缺點就是還款期較短，往往只有12至24個月，而且不少銀行要求借款達百萬方可以享最低息。另外，稅貸最高貸款額普遍為月薪的10至12倍，私人貸款則最多可借月薪18至20倍。

稅貸與一般分期貸款的分別，在於稅貸申請除了需要入息證明文件外，亦有可能要提供稅單證明。如果不能提供入息證明，向銀行申請稅貸會有頗大難度，建議可考慮由財務公司提供的稅貸或私人貸款，以應付資金需要。

活動常見問題

稅貸和一般貸款有甚麼分別？

稅貸屬期間限定產品，一般在每年10月至翌年4月推出，最大優點是實際年利率可低至2%以下，比一般分期貸款低息。

稅貸可選擇多長還款期？

稅貸還款期較一般私人貸款短，通常為12至24個月

稅貸最高貸款額是多少？

銀行稅貸最高貸款額可達HK$300萬至HK$400萬，但貸款人最高只可借月薪12倍至23倍。

一般打工仔借唔借到最低APR？

以2023年Citi稅季貸款為例，廣告宣傳中最低1.78% APR，只是世上沒有免費午餐，當然亦有附帶條件，客戶需借HK$150萬並於12個月內還清，其最高貸款額為月薪12倍或HK$200萬，以此計算一個有良好TU的打工仔，月薪達HK$125,000便可享1.78%低息。留意每間銀行的特選客戶定義不同，欲知自己是否合乎資格請到各銀行網站查閱。

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MoneyHero熱門貸款產品還款期 /  最高實際年利率(APR)概覽

熱門貸款產品 還款期 最高實際年利率
例子
以HK$200,000貸款，還款期12個月為例 （已約至小數點後兩個位）
Citi 稅季貸款 6至60個月 44.72%
每月還款額低至HK$16,827；總還款額低至HK$201,920（以實際年利率1.78%，每月平息0.08%，0%手續費計算）
邦民 特快低息貸款 (適合稅季) 3至84個月 59.26%
每月還款額低至HK$16,767；總還款額低至HK$201,200 （以實際年利率1.12%，每月平息0.05%，0%手續費計算）
渣打銀行 稅季私人貸款 12至60個月 5.35%
每月還款額低至HK$17,207；總還款額低至HK$206,480（以實際年利率6.09%，每月平息0.27%，0%手續費計算）
東亞銀行 稅季貸款 12至24個月 28.11%
每月還款額低至HK$16,847；總還款額低至HK$202,160（以實際年利率2.01%，每月平息0.09%，0%手續費計算）
安信 定額私人貸款 3至72個月 60%
每月還款額低至HK$16,867；總還款額低至HK$202,400（以實際年利率2.38%，每月平息0.1%，0%手續費計算）

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