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。

【小子投資筆記】借稅貸指南

10月又是稅季開始，每年至少14萬納稅人未能如期繳稅，被徵收5%附加費。如果你正為大額稅款而煩惱，可考慮運用低息稅貸作靈活周轉之用。以下筆者會分享一下借稅貸指南，究竟哪幾類人適合借稅貸？

其他貸款比較：特快私人貸款｜免入息貸款｜免TU貸款｜網上貸款｜低息貸款｜易批貸款｜公務員貸款｜銀行貸款｜虛擬銀行貸款｜短期小額貸款｜清卡數貸款｜大額清數貸款

稅季攻略：
虛擬銀行稅貸｜財務公司稅貸｜稅貸用途｜借稅貸做定期｜稅貸注意事項
 報稅｜報稅表教學｜免稅額｜扣稅三寶
 交稅方法｜分期交稅｜信用卡交稅優惠｜反對評稅

(一) 高薪人士

以前筆者未做出來社會工作前，覺得為什麼要借錢去交稅？但讀者只要計一計數就知道，高薪人士每年交稅都不會是一個小數目。假設你年薪達HK$80萬（扣除一些基本免稅額項目約HK$37萬左右），每年需交約HK$10萬薪俸稅（連預繳下年的稅項）。雖然這些人士工作收入可觀，但每年要交出六位數目作交稅，亦可能會對某些人有短暫的財務壓力。

所以每年稅季一到，各大銀行都會推出年利率較低的稅貸（如Citi稅貸、信銀稅貸或渣打稅貸），實際年利率約1.65%至1.85%，幫助高薪打工仔應付交稅壓力。

最新2023年稅貸優惠可參考：稅貸 | 低息銀行稅務貸款及獨家稅貸優惠比較

(二) 投資賺息差

雖然稅貸多以作交稅之用，但銀行或財務機構沒有硬性規定借款的用途。由於稅貸利率一般會比普通私人貸款低，部份實際年利率更低於2%，故此有不少申請人會借稅貸用作投資之用。

例如港元定期存款利率高達4.8%，借稅貸成本約1.78%，讀者可賺取接近零風險3%息差; 又或者你本身有ML戶口（高息的活期存款賬戶），你也可以作同樣的賺息差操作，由於是活期戶口，息差就只得約2%。

賺息差操作詳情可參考此文章：借錢做定期 | 低息稅貸做高息定存賺息差攻略

(三) 新債還舊債

若讀者本身有一些私人貸款或按揭貸款，貸款利率一般比稅貸為高，可考慮借入較低利率的稅貸用以把較高利率的「舊債」還款。

假設你正在借按揭貸款或私人貸款，現時借款實際利率約為3至5%，若你能夠借到稅貸，以新債還舊債，就能還掉部份較高利率借款，這樣可降低個人的平均融資成本。

當然這個方法也要考慮提早還款是否涉及罰息及手續費等等因素，以免自己最後得不償失。

(四) 進修支付學費

報讀MBA或碩士需要幾十萬元學費。雖然大家可以申請持續進修基金，不過上限只得 HK$2萬，而其他政府或機構的學費貸款，利息亦較高。如果讀者本身沒有很多積蓄，又想趁年輕時盡早進修，增值自己，可以考慮借稅貸，金額足以應付學費。

撰文：小子投資筆記

MoneyHero遵從《個人資料（隱私）條例 2013 》致力保障你的個人資料。透過MoneyHero申請貸款時，你的個人資料將傳送至銀行或貸款機構，並由他們處理有關申請。銀行或貸款機構可能會直接聯絡你。除非你同意，否則MoneyHero不會儲存你的個人資料。忠告：借定唔借，還得到先好借！各大財務公司查詢及投訴熱線一覽

	最低實際年利率	獎賞	取得最低息條件
信銀國際 $mart Plus 分期貸款	1.65%	高達HK$7,000 Apple Gift Card或超巿現金券	貸款額達HK$200萬還款期12個月
渣打銀行私人貸款	1.85%	總值高達HK$19,399 HK$8,000現金回贈 + HK$2,000旅游禮券 + MoneyHero獨家優惠iPhone 15 Pro 256GB（價值HK$9,399）、HK$8,800 Apple Gift Card或惠康購物現金券	貸款額達HK$150萬還款期12個月
富邦「合您意」私人貸款	1.88%	總值高達HK$15,800 HK$8,800超市現金券 + MoneyHero獨家優惠HK$7,000 Apple Gift Card或超市現金券（輸入推廣碼「MHRL10」）	貸款額達HK$150萬還款期12個月
建行(亞洲) 「好現金」私人分期貸款	1.85%	高達HK$8,500現金回贈	貸款額達HK$300萬還款期12個月
星展銀行定額私人貸款	2.2%	總值高達HK$19,600 （HK$7,700超巿現金券 + HK$300「一扣即享」金額 + MoneyHero獨家獎賞高達HK$11,600超市現金券或Apple Gift Card）	貸款額達HK$200萬還款期24個月
滙豐分期「萬應錢」	2.25%	高達HK$13,888獎賞	貸款額達HK$150萬還款期12個月

信銀國際 $mart Plus稅季貸款

最低實際年利率

2.77

最高貸款額

HK$200萬/月薪18倍

手續費

每年0.5%

申請優惠

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

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🥇【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

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width:100%"> 	<tbody> 		<tr> 			<td style="height:50px; text-align:left; width:17.8977%"><strong>貸款額</strong></td> 			<td style="height:50px; text-align:left; width:29.1193%"><strong>MoneyHero獨家獎賞</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%">HK$1,500,000 或 以上</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> 	<li>11吋 iPad Pro Wi-Fi 256GB (價值HK$7,299)</li>		</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%">HK$800,000 至 HK$1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> 			</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:17.8977%">HK$400,000 至 HK$799,999</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:29.1193%"> 			<ul> 				<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> 			</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%">HK$100,000 至 HK$399,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶)(價值HK$3,199)<li>HK$3,000 Apple Store 禮品卡 / 超市現金券</li> 			</ul> 			</td> 		</tr> 				</tbody> </table>  <ul> 	<li>所有獨家優惠均以顏色隨機形式發放</li> 	<li>如欲了解優惠詳情，請參閱<a href="https://moneyhero.link/pl-citic-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li><li>有關全城最高獨家優惠保證，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569" target="blank">條款及細則</a> </ul>, <p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.65%</li> <li>貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）</li> <li>靈活還款期由最短6個月至最長60個月</li> <li>最快即日放款至您的信銀國際戶口</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/citic/pl" 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://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569" >條款及細則</a>], cons=[<p><strong>注意事項</strong></p>  <ul> 	<li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。所示之實際年利率已約至小數點後兩個位。</li> 	<li>	實際年利率1.65%以貸款金額HK$2,000,000，還款期12個月及每月平息0.032%計算，並已包括每年0.5%手續費。該優惠利率僅適用於中信銀行(國際)「出糧plus」戶口客戶。該優惠利率僅適用於提取貸款時持有有效中信銀行(國際) 「出糧plus」戶口之客戶。如客戶於貸款申請時並未持有「出糧plus」戶口，可即時透過inMotion動感銀行手機應用程式申請開戶並同時登記成爲「出糧plus」客戶。</li> <li>例子只供參考。最終批核之實際年利率將根據客戶的信貸評級及其他相關審批貸款因素決定，本行保留貸款批核，適用利率及手續費的最終酌情權。</li> 	 <li>還款期12個月手續費為0.5%,還款期18-60個月手續費為1%。按貸款金額每年收取手續費並於提取貸款時從貸款金額中扣除。</li>		<li>即日放款服務只適用於銀行服務時間內（星期一至五上午9時至晚上8時，星期六、日及公眾假期除外）放款至信銀國際戶口。有關處理時間由銀行確定已批核之貸款開始計算。</li> 		<li>受條款及細則約束。借定唔借？還得到先好借！</li> </ul>]}, functional={metaData={alias=cncbi-personal-installment-loan}, rateTableEntries=[{loanTenureMin=3, loanTenureMax=17, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=1.65, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=0.5, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=18, loanTenureMax=23, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.68, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=24, loanTenureMax=35, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.72, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=36, loanTenureMax=47, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.77, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=48, loanTenureMax=59, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.81, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=60, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.84, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, id=bltdc5f6b06067dee4e_18_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt5bf8e5f8e1ba3dd5/642545190a34c91185a4461b/CNCBI_Horizontal_logo_RGB_(1).png, description=null, dimension=null}, imageOrientation=LANDSCAPE, interestRate=null, monthlyRepayment=null, needCategories=[], offers=null, offersFaq=null, productName=信銀國際 $mart Plus稅季貸款, promotional={bannerText=<strong>【2月29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高達HK$7,000 Apple Store 禮品卡 / 超市現金券；總獎賞高達HK$7,000 + HK$800 = HK$7,800</strong></p><p><strong></strong></p><span>🥇【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！<a href="https://www.moneyhero.com.hk/zh/campaign/best-price?utm_source=PL_CiticRPlisting&utm_medium=referral&utm_campaign=BestPrice










"> 即睇詳情</a><span></span></span><p><strong></strong></p><p><strong></strong>, bannerImage=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}]}, provider={alias=china-citic-bank, providerName=中信銀行（國際）}, rawFunctionalPl={rateTableEntries=[{loanTenureMin=3, loanTenureMax=17, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=1.65, eir=null, interestRate=0.032, fees=[null], transferRate=null}, {loanTenureMin=18, loanTenureMax=23, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.68, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ANNUALLY, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=24, loanTenureMax=35, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.72, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ANNUALLY, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=36, loanTenureMax=47, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.77, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ANNUALLY, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=48, loanTenureMax=59, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.81, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ANNUALLY, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=60, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=2000000.0, apr=2.84, eir=null, interestRate=0.032, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ANNUALLY, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, termsAndConditions=, title=HK.PL.CCBI0001.SMARTPLUSPERSONALINSTALMENTLOAN, totalRepayment=null})

Debug data (Raw)


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🥇【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
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【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券
   	限時優惠：2024年1月1日中午12時至2024年2月29日下午6時，成功經MoneyHero申請，並於2024年2月29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
 	如欲了解優惠詳情，請參閱條款及細則
 
, 【MoneyHero獨家優惠】
   	客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： 	 		2024年1月1日中午12時至2024年2月29日下午6時期間經MoneyHero成功申請信銀國際 $mart Plus稅季貸款或信銀國際 $mart Plus分期貸款 - 結餘轉戶，
 		選擇還款期為12個月或以上，並於1個月內提取貸款
 	
 	
 
   	 		 			貸款額  			MoneyHero獨家獎賞  		
 		 			HK$1,500,000 或 以上  			 			 				HK$7,000 Apple Store 禮品卡 / 超市現金券
 	11吋 iPad Pro Wi-Fi 256GB (價值HK$7,299)
		
 			  		
 		 			HK$800,000 至 HK$1,499,999  			 			 				HK$6,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$400,000 至 HK$799,999  			 			 				HK$4,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$100,000 至 HK$399,999  			 			 				Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶)(價值HK$3,199)
HK$3,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 				
 
   	所有獨家優惠均以顏色隨機形式發放
 	如欲了解優惠詳情，請參閱條款及細則
有關全城最高獨家優惠保證，請參閱條款及細則 
, 產品特色
  實際年利率低至1.65%
 貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）
 靈活還款期由最短6個月至最長60個月
 最快即日放款至您的信銀國際戶口
 
, 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！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾, 有關全城最高獨家優惠保證，請參閱條款及細則], cons=[注意事項
   	實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。所示之實際年利率已約至小數點後兩個位。
 		實際年利率1.65%以貸款金額HK$2,000,000，還款期12個月及每月平息0.032%計算，並已包括每年0.5%手續費。該優惠利率僅適用於中信銀行(國際)「出糧plus」戶口客戶。該優惠利率僅適用於提取貸款時持有有效中信銀行(國際) 「出糧plus」戶口之客戶。如客戶於貸款申請時並未持有「出糧plus」戶口，可即時透過inMotion動感銀行手機應用程式申請開戶並同時登記成爲「出糧plus」客戶。
 例子只供參考。最終批核之實際年利率將根據客戶的信貸評級及其他相關審批貸款因素決定，本行保留貸款批核，適用利率及手續費的最終酌情權。
 	 還款期12個月手續費為0.5%,還款期18-60個月手續費為1%。按貸款金額每年收取手續費並於提取貸款時從貸款金額中扣除。
		即日放款服務只適用於銀行服務時間內（星期一至五上午9時至晚上8時，星期六、日及公眾假期除外）放款至信銀國際戶口。有關處理時間由銀行確定已批核之貸款開始計算。
 		受條款及細則約束。借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=84000, description={shortDescription=HK$84,000, longDescription=, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 有效香港身份證／ 護照／ 或其他身份證明文件
2. 最近 1 個月顯示入息證明之銀行月結單或存摺影印本（ 存摺影印本需附上印有閣下姓名及賬戶號碼之首頁）或任何形式的入息證明。
若月薪收入為佣金制人士，請提供最近 2 個月之入息證明
3. 如為自僱人士，請附上公司之商業登記及最近期之利得稅稅單及最近 3 個月之公司戶口月結單
4. 附有閣下姓名之最近 3 個月內發出的現居址證明（例如：電費單或銀行月結單）
5. 專業資格證明（只適用於專業資人士）
6. 如選擇以公司地址為通訊地址，請附上公司地址證明
7. 如閣下為非香港永久性居民身份證持有人，請附護照／往來港澳通行證／原居地身份證副本（如適用）及香港特別行政區發出的工作證
8. 放款戶口之存摺首頁/月結單副本
9. 自動轉賬授權書
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$mart Plus稅季貸款","title":"HK.PL.CCBI0001.SMARTPLUSPERSONALINSTALMENTLOAN","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1日中午12時至2024年2月29日下午6時，成功經MoneyHero申請，並於2024年2月29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/24921816634265\" 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1日中午12時至2024年2月29日下午6時期間經MoneyHero成功申請信銀國際 $mart Plus稅季貸款或信銀國際 $mart Plus分期貸款 - 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\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$1,500,000 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>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t<li>11吋 iPad Pro Wi-Fi 256GB (價值HK$7,299)</li>\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$800,000 至 HK$1,499,999</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>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; text-align:left; width:17.8977%\">HK$400,000 至 HK$799,999</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>HK$4,000 Apple Store 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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/citic/pl\" 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://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" >條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p>  <ul> \t<li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。所示之實際年利率已約至小數點後兩個位。</li> \t<li>\t實際年利率1.65%以貸款金額HK$2,000,000，還款期12個月及每月平息0.032%計算，並已包括每年0.5%手續費。該優惠利率僅適用於中信銀行(國際)「出糧plus」戶口客戶。該優惠利率僅適用於提取貸款時持有有效中信銀行(國際) 「出糧plus」戶口之客戶。如客戶於貸款申請時並未持有「出糧plus」戶口，可即時透過inMotion動感銀行手機應用程式申請開戶並同時登記成爲「出糧plus」客戶。</li> <li>例子只供參考。最終批核之實際年利率將根據客戶的信貸評級及其他相關審批貸款因素決定，本行保留貸款批核，適用利率及手續費的最終酌情權。</li> \t 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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\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$1,500,000 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>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t<li>11吋 iPad Pro Wi-Fi 256GB (價值HK$7,299)</li>\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$800,000 至 HK$1,499,999</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>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; text-align:left; width:17.8977%\">HK$400,000 至 HK$799,999</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>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\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$399,999</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>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶)(價值HK$3,199)<li>HK$3,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t\t\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-citic-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li><li>有關全城最高獨家優惠保證，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.65%</li> <li>貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）</li> <li>靈活還款期由最短6個月至最長60個月</li> <li>最快即日放款至您的信銀國際戶口</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/citic/pl\" 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://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" >條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p>  <ul> \t<li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。所示之實際年利率已約至小數點後兩個位。</li> \t<li>\t實際年利率1.65%以貸款金額HK$2,000,000，還款期12個月及每月平息0.032%計算，並已包括每年0.5%手續費。該優惠利率僅適用於中信銀行(國際)「出糧plus」戶口客戶。該優惠利率僅適用於提取貸款時持有有效中信銀行(國際) 「出糧plus」戶口之客戶。如客戶於貸款申請時並未持有「出糧plus」戶口，可即時透過inMotion動感銀行手機應用程式申請開戶並同時登記成爲「出糧plus」客戶。</li> <li>例子只供參考。最終批核之實際年利率將根據客戶的信貸評級及其他相關審批貸款因素決定，本行保留貸款批核，適用利率及手續費的最終酌情權。</li> \t <li>還款期12個月手續費為0.5%,還款期18-60個月手續費為1%。按貸款金額每年收取手續費並於提取貸款時從貸款金額中扣除。</li>\t\t<li>即日放款服務只適用於銀行服務時間內（星期一至五上午9時至晚上8時，星期六、日及公眾假期除外）放款至信銀國際戶口。有關處理時間由銀行確定已批核之貸款開始計算。</li> \t\t<li>受條款及細則約束。借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"84000","description":{"shortDescription":"HK$84,000","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":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 有效香港身份證／ 護照／ 或其他身份證明文件<br>2. 最近 1 個月顯示入息證明之銀行月結單或存摺影印本（ 存摺影印本需附上印有閣下姓名及賬戶號碼之首頁）或任何形式的入息證明。<br>若月薪收入為佣金制人士，請提供最近 2 個月之入息證明<br>3. 如為自僱人士，請附上公司之商業登記及最近期之利得稅稅單及最近 3 個月之公司戶口月結單<br>4. 附有閣下姓名之最近 3 個月內發出的現居址證明（例如：電費單或銀行月結單）<br>5. 專業資格證明（只適用於專業資人士）<br>6. 如選擇以公司地址為通訊地址，請附上公司地址證明<br>7. 如閣下為非香港永久性居民身份證持有人，請附護照／往來港澳通行證／原居地身份證副本（如適用）及香港特別行政區發出的工作證<br>8. 放款戶口之存摺首頁/月結單副本<br>9. 自動轉賬授權書<br>10. 欲轉至信銀國際 $mart Plus 分期貸款之信用卡或貸款之貸款確認信或最近 1 個月之信用卡結單（須印有閣下姓名及貸款號碼）"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":3,"loanTenureMax":17,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":1.65,"eir":null,"interestRate":0.032,"fees":[null],"transferRate":null},{"loanTenureMin":18,"loanTenureMax":23,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":2.68,"eir":null,"interestRate":0.032,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null},{"loanTenureMin":24,"loanTenureMax":35,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":2.72,"eir":null,"interestRate":0.032,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null},{"loanTenureMin":36,"loanTenureMax":47,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":2.77,"eir":null,"interestRate":0.032,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null},{"loanTenureMin":48,"loanTenureMax":59,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":2.81,"eir":null,"interestRate":0.032,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null},{"loanTenureMin":60,"loanTenureMax":72,"loanAmountMin":5000.0,"loanAmountMax":2000000.0,"apr":2.84,"eir":null,"interestRate":0.032,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ANNUALLY","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"DEDUCT_FROM_WITHDRAWAL","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=信銀國際 $mart Plus稅季貸款, hs_name=, hs_updated_by_user_id=60412388}, id=62168994252, table_id=4701663, table_name=product_moneyhero})

渣打銀行税季私人貸款

最低實際年利率

1.85

最高貸款額

HK$400萬/月薪18倍

手續費

申請優惠

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

Debug data (JSON)

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   \t實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。
 \t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適用的費用與收費
 \t渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費
 \t申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
 \t上述每月平息已約至小數後2個位及只供參考之用
 \t借定唔借?還得到先好借!
 
"],"pros":["【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券
   \t限時優惠：2023年11月10日中午12時至2024年1月31日下午6時，成功經MoneyHero申請，並於2024年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
 \t如欲了解優惠詳情，請參閱條款及細則
 
","【MoneyHero獨家優惠】
   \t客戶由2023年11月10日至2024年1月31日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月內提取貸款，可享以下獨家優惠：
 
   \t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t貸款金額 MoneyHero加碼獨家優惠：
HK$800,000 或 以上  \t\t\t \t\t\t\tiPhone 15 Pro 256GB (價值HK$9,399); 或
 \t\t\t\tHK$8,800 Apple Store 禮品卡; 或
 \t\t\t\tHK$8,800 惠康購物現金券
 \t\t\t
 \t\t\t
HK$500,000 - HK$799,999  \t\t\t \t\t\t\tSAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或
 \t\t\t\tHK$7,000 Apple Store 禮品卡; 或
 \t\t\t\tHK$7,000 惠康購物現金券
 \t\t\t
 \t\t\t
HK$300,000 - HK$499,999  \t\t\t \t\t\t\tDyson V12s Detect Slim Submarine™ 乾濕全能洗地吸塵機 (價值HK$6,180) ; 或
 \t\t\t\tHK$5,500 Apple Store 禮品卡; 或
 \t\t\t\tHK$5,500 惠康購物現金券
 \t\t\t
 \t\t\t
HK$200,000 - HK$299,999  \t\t\t \t\t\t\tApple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或
 \t\t\t\tHK$3,000 Apple Store 禮品卡
 \t\t\t\tHK$3,000 惠康購物現金券
 \t\t\t
 \t\t\t
 
   \t所有獨家優惠均以顏色隨機形式發放
 
  如何領取MoneyHero獨家優惠
   \t請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
 \t請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至support@moneyhero.com.hk，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進
 \t詳細流程：如何領取「MoneyHero獨家優惠」的現金券？
 \t申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 \tMoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。
 \t如欲了解優惠詳情，請參閱條款及細則
 \t有關全城最高獨家優惠保證，請參閱條款及細則
 
","【渣打迎新優惠】貸款優惠二重賞
 客戶由2024年1月9日至2024年2月29日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
   \t高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情： \t \t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t\t \t\t\t \t\t \t貸款金額 基本現金回贈 (還款期達12個月) 基本現金回贈 (還款期達24個月或以上) 額外現金回贈
 \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶及還款期達36個月或以上)
HK$1,500,000 或以上 HK$3,500 HK$7,000 HK$1,000
HK$600,000 - HK$1,499,999 HK$1,500 HK$3,000 HK$1,000
HK$500,000 - HK$599,999 HK$1,000 HK$2,000 HK$1,000
HK$200,000 - HK$499,999 HK$1,000 HK$2,000 HK$1,000
HK$50,000 - HK$199,999 HK$500 HK$500 HK$1,000
 \t
 \t \t額外現金回贈只合適於全新客戶（即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶）或為現有本行之自動轉賬出糧服務客戶。
 \t
 
","【渣打抽獎活動】
   \t客戶由2024年1月9日至2024年2月29日， \t \t\t於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及
 \t\t於三個月內提取貸款。客戶將會自動登記抽獎，依照條款及細則毋須另行登記。
 \t
 \t
 
   \t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t得獎者名額  \t\t\t獎品
 \t\t\t
第1 - 10位得獎者  \t\t\t128,000「亞洲萬里通」里數 (「大獎」)
 \t\t\t
 \t\t\t第11 - 20位得獎者
 \t\t\t  \t\t\tHK$2,000 Expedia電子旅遊禮券 (“旅遊禮券”)
 \t\t\t
 
","產品特色
  貸款額高達月薪18倍或HK$4,000,000（以較低者為準）
 還款期長達60個月；0%手續費
 7天冷靜期 - 豁免提早償還貸款手續費 
","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！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾"],"title":"Features"},"functional":{"defaults":{"loanAmount":100000,"loanTenure":24},"fees":[],"metaData":{"alias":"standard-chartered-personal-instalment-loan"},"rateTableEntries":[{"apr":1.85,"eir":null,"fees":[],"interestRate":0.27,"loanAmountMax":4000000.0,"loanAmountMin":5000.0,"loanTenureMax":60,"loanTenureMin":0}]},"id":"blte54e93a44ab1cca6_17_zh-hk","image":{"description":null,"dimension":null,"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png"},"imageOrientation":"LANDSCAPE","interestRate":null,"monthlyRepayment":null,"needCategories":[],"offers":null,"offersFaq":null,"productName":"渣打銀行 税季私人貸款","promotional":{"bannerImage":null,"bannerText":"【2024年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高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞
高達HK$8,000現金回贈
抽獎：128,000「亞洲萬里通」里數(「大獎」) - 共10份
HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
","countdown":{"date":{"endDate":null,"startDate":null},"displayProductPage":false,"text":""},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0},"type":[{"display":"MoneyHero獨家優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"standard-chartered","providerName":"渣打銀行"},"rawFunctionalPl":{"defaults":{"loanAmount":100000,"loanTenure":24},"fees":[],"interestRateInterval":"MONTHLY","loanType":"FLAT_INTEREST_RATE","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":1.85,"eir":null,"fees":[],"interestRate":0.27,"loanAmountMax":4000000.0,"loanAmountMin":5000.0,"loanTenureMax":60,"loanTenureMin":0,"transferRate":null}],"repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[],"criteriaDetails":[],"eligibleOccupations":[],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","totalRepayment":null}

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<br>2. 最近期住宅地址證明
<br>3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；<br>非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；<br>自僱人士請提供商業登記證及最近之營業稅單
<br><br>}], apr=null, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=438880000, displayValue=438,880, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=12191111, displayValue=12,191, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1850, displayValue=1.85, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, description={shortDescription=[【貸款智慧】實際年利率低至1.85%（貸款額HK$150萬或以上、還款期12個月）；0%手續費]}, disclaimer=null, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], enableCountdown=true, enableFlipBanner=false, featured=true, 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> 	<li><strong>限時優惠</strong>：2023年11月10日中午12時至2024年1月31日下午6時，成功經MoneyHero申請，並於2024年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> 	<li>如欲了解優惠詳情，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193" rel="noopener" target="_blank">條款及細則</a></li> </ul>, <p><strong>【MoneyHero獨家優惠】</strong></p>  <ul> 	<li>客戶由2023年11月10日至2024年1月31日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月內提取貸款，可享以下獨家優惠：</li> </ul>  <table style="height:180px; width:100%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:10.3693%"><strong>貸款金額</strong></td> 			<td style="height:36px; text-align:left; width:39.6307%"><strong>MoneyHero加碼獨家優惠：</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$800,000 或 以上</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> 			<ul> 				<li>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> 				<li>HK$8,800 Apple Store 禮品卡; 或</li> 				<li>HK$8,800 惠康購物現金券</li> 			</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$500,000 - HK$799,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> 			<ul> 				<li>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> 				<li>HK$7,000 Apple Store 禮品卡; 或</li> 				<li>HK$7,000 惠康購物現金券</li> 			</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$300,000 - HK$499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> 			<ul> 				<li>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> 				<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> 				<li>HK$5,500 惠康購物現金券</li> 			</ul> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$200,000 - HK$299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> 			<ul> 				<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或</li> 				<li>HK$3,000 Apple Store 禮品卡</li> 				<li>HK$3,000 惠康購物現金券</li> 			</ul> 			</td> 		</tr> 	</tbody> </table>  <ul> 	<li>所有獨家優惠均以顏色隨機形式發放</li> </ul>  <p><strong>如何領取MoneyHero獨家優惠</strong></p>  <ul> 	<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> 	<li>請於<strong>成功申請批核後的7日內</strong>，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href="mailto:support@moneyhero.com.hk">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> 	<li>詳細流程：<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-" target="”_blank”">如何領取「MoneyHero獨家優惠」的現金券？</a></li> 	<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" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> 	<li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> 	<li>如欲了解優惠詳情，請參閱<a href="https://moneyhero.link/pl-scb-pl-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li> 	<li>有關全城最高獨家優惠保證，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569" target="blank">條款及細則</a></li> </ul>, <p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p>  <ul> 	<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情： 	<table style="width:100%"> 		<tbody> 			<tr> 				<td style="height:50px; text-align:left; width:201px"><strong>貸款金額</strong></td> 				<td style="text-align:left; width:176px"><strong>基本現金回贈 (還款期達12個月)</strong></td> 				<td style="height:50px; text-align:left; width:180px"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> 				<td style="text-align:left; width:242px"><strong>額外現金回贈<br /> 				(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> 			</tr> 			<tr> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px">HK$1,500,000 或以上</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px">HK$3,500</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px">HK$7,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px">HK$1,000</td> 			</tr> 			<tr> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px">HK$600,000 - HK$1,499,999</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px">HK$1,500</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px">HK$3,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px">HK$1,000</td> 			</tr> 			<tr> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px">HK$500,000 - HK$599,999</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px">HK$1,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px">HK$2,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px">HK$1,000</td> 			</tr> 			<tr> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px">HK$200,000 - HK$499,999</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px">HK$1,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px">HK$2,000</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px">HK$1,000</td> 			</tr> 			<tr> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px">HK$50,000 - HK$199,999</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px">HK$500</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px">HK$500</td> 				<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px">HK$1,000</td> 			</tr> 		</tbody> 	</table> 	</li> 	<li> 	<p>額外現金回贈只合適於全新客戶（即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶）或為現有本行之自動轉賬出糧服務客戶。</p> 	</li> </ul>, <p><strong>【渣打抽獎活動】</strong></p>  <ul> 	<li>客戶由2024年1月9日至2024年2月29日， 	<ul> 		<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> 		<li>於三個月內提取貸款。客戶將會自動登記抽獎，依照條款及細則毋須另行登記。</li> 	</ul> 	</li> </ul>  <table style="height:200px; width:100%"> 	<tbody> 		<tr> 			<td style="height:50px; text-align:left; width:410px"><strong>得獎者名額</strong></td> 			<td style="height:50px; text-align:left; width:771px"> 			<p><strong>獎品</strong></p> 			</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px">第1&nbsp;- 10位得獎者</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px"> 			<p>128,000「亞洲萬里通」里數 (「大獎」)</p> 			</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px"> 			<p>第11 - 20位得獎者</p> 			</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px"> 			<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> 			</td> 		</tr> 	</tbody> </table>, <p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>7天冷靜期 - 豁免提早償還貸款手續費 </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/scb/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>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。</li> 	<li>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適用的費用與收費</li> 	<li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> 	<li>申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> 	<li>上述每月平息已約至小數後2個位及只供參考之用</li> 	<li>借定唔借?還得到先好借!</li> </ul>]}, functional={metaData={alias=standard-chartered-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, id=blte54e93a44ab1cca6_17_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png, description=null, dimension=null}, imageOrientation=LANDSCAPE, interestRate=null, monthlyRepayment=null, needCategories=[], offers=null, offersFaq=null, productName=渣打銀行 税季私人貸款, promotional={bannerText=<strong>【2024年1月31日截止】</strong>經MoneryHero申請，不論批核結果<strong>獨家送HK$800 Apple Store 禮品卡 / 超市現金券，</strong>成功提取私人貸款可尊享<strong>高達HK$8,800 Apple Store 禮品卡 / 超市現金券</strong><br /><strong>【渣打迎新優惠】貸款優惠二重賞</strong></p><ul><li>高達HK$8,000現金回贈</li><li>抽獎：<ul><li>128,000「亞洲萬里通」里數(「大獎」)&nbsp;- 共10份</li><li>HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”)&nbsp;- 共10份</li></ul></li></ul>, bannerImage=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}]}, provider={alias=standard-chartered, providerName=渣打銀行}, rawFunctionalPl={rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, termsAndConditions=, title=HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN, totalRepayment=null})

Debug data (Raw)


    {__typename=PersonalLoan, id=blte54e93a44ab1cca6_17_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png, description=null, dimension=null}, featured=true, imageOrientation=LANDSCAPE, promotional={bannerText=【2024年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高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞
高達HK$8,000現金回贈
抽獎：128,000「亞洲萬里通」里數(「大獎」) - 共10份
HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=438880000, displayValue=438,880, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=12191111, displayValue=12,191, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1850, displayValue=1.85, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[【貸款智慧】實際年利率低至1.85%（貸款額HK$150萬或以上、還款期12個月）；0%手續費]}, productName=渣打銀行 税季私人貸款, title=HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN, features={title=Features, pros=[【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券
   	限時優惠：2023年11月10日中午12時至2024年1月31日下午6時，成功經MoneyHero申請，並於2024年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
 	如欲了解優惠詳情，請參閱條款及細則
 
, 【MoneyHero獨家優惠】
   	客戶由2023年11月10日至2024年1月31日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月內提取貸款，可享以下獨家優惠：
 
   	 		 			貸款金額  			MoneyHero加碼獨家優惠：  		
 		 			HK$800,000 或 以上  			 			 				iPhone 15 Pro 256GB (價值HK$9,399); 或
 				HK$8,800 Apple Store 禮品卡; 或
 				HK$8,800 惠康購物現金券
 			
 			  		
 		 			HK$500,000 - HK$799,999  			 			 				SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或
 				HK$7,000 Apple Store 禮品卡; 或
 				HK$7,000 惠康購物現金券
 			
 			  		
 		 			HK$300,000 - HK$499,999  			 			 				Dyson V12s Detect Slim Submarine™ 乾濕全能洗地吸塵機 (價值HK$6,180) ; 或
 				HK$5,500 Apple Store 禮品卡; 或
 				HK$5,500 惠康購物現金券
 			
 			  		
 		 			HK$200,000 - HK$299,999  			 			 				Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或
 				HK$3,000 Apple Store 禮品卡
 				HK$3,000 惠康購物現金券
 			
 			  		
 	
 
   	所有獨家優惠均以顏色隨機形式發放
 
  如何領取MoneyHero獨家優惠
   	請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
 	請於成功申請批核後的7日內，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至support@moneyhero.com.hk，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進
 	詳細流程：如何領取「MoneyHero獨家優惠」的現金券？
 	申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 	MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。
 	如欲了解優惠詳情，請參閱條款及細則
 	有關全城最高獨家優惠保證，請參閱條款及細則
 
, 【渣打迎新優惠】貸款優惠二重賞
 客戶由2024年1月9日至2024年2月29日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
   	高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情： 	 		 			 				貸款金額  				基本現金回贈 (還款期達12個月)  				基本現金回贈 (還款期達24個月或以上)  				額外現金回贈
 				(全新客戶及現有本行之自動轉賬出糧服務客戶及還款期達36個月或以上)  			
 			 				HK$1,500,000 或以上  				HK$3,500  				HK$7,000  				HK$1,000  			
 			 				HK$600,000 - HK$1,499,999  				HK$1,500  				HK$3,000  				HK$1,000  			
 			 				HK$500,000 - HK$599,999  				HK$1,000  				HK$2,000  				HK$1,000  			
 			 				HK$200,000 - HK$499,999  				HK$1,000  				HK$2,000  				HK$1,000  			
 			 				HK$50,000 - HK$199,999  				HK$500  				HK$500  				HK$1,000  			
 		
 	
 	
 	 	額外現金回贈只合適於全新客戶（即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶）或為現有本行之自動轉賬出糧服務客戶。
 	
 
, 【渣打抽獎活動】
   	客戶由2024年1月9日至2024年2月29日， 	 		於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及
 		於三個月內提取貸款。客戶將會自動登記抽獎，依照條款及細則毋須另行登記。
 	
 	
 
   	 		 			得獎者名額  			 			獎品
 			  		
 		 			第1 - 10位得獎者  			 			128,000「亞洲萬里通」里數 (「大獎」)
 			  		
 		 			 			第11 - 20位得獎者
 			  			 			HK$2,000 Expedia電子旅遊禮券 (“旅遊禮券”)
 			  		
 	
 
, 產品特色
  貸款額高達月薪18倍或HK$4,000,000（以較低者為準）
 還款期長達60個月；0%手續費
 7天冷靜期 - 豁免提早償還貸款手續費 
, 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！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾], cons=[注意事項
   	實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。
 	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適用的費用與收費
 	渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費
 	申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
 	上述每月平息已約至小數後2個位及只供參考之用
 	借定唔借?還得到先好借!
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上申請
2. 上載文件
3. 即時批核
4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港永久性居民身份證

2. 最近期住宅地址證明

3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；
非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；
自僱人士請提供商業登記證及最近之營業稅單


}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

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税季私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","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>：2023年11月10日中午12時至2024年1月31日下午6時，成功經MoneyHero申請，並於2024年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/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p>  <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間，經MoneyHero成功申請及批核貸款HK$200,000或以上，並於三個月內提取貸款，可享以下獨家優惠：</li> </ul>  <table style=\"height:180px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:10.3693%\"><strong>貸款金額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:39.6307%\"><strong>MoneyHero加碼獨家優惠：</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$500,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或</li> \t\t\t\t<li>HK$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 惠康購物現金券</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> </ul>  <p><strong>如何領取MoneyHero獨家優惠</strong></p>  <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> \t<li>詳細流程：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券？</a></li> \t<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-scb-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p>  <ul> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情： \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶（即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶）或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p>  <ul> \t<li>客戶由2024年1月9日至2024年2月29日， \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎，依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul>  <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</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:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</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:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>7天冷靜期 - 豁免提早償還貸款手續費 </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/scb/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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。</li> \t<li>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適用的費用與收費</li> \t<li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> \t<li>申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 於網上申請<br>2. 上載文件<br>3. 即時批核<br>4. 確認及發放貸款"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港永久性居民身份證\n<br>2. 最近期住宅地址證明\n<br>3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；<br>非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 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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=, href_with_scheme=}, 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, rewards=申請優惠, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, 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, show=true, welcome_offer= , 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


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width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:10.3693%\"><strong>貸款金額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:39.6307%\"><strong>MoneyHero加碼獨家優惠：</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$500,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 惠康購物現金券</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:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或</li> \t\t\t\t<li>HK$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 惠康購物現金券</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> </ul>  <p><strong>如何領取MoneyHero獨家優惠</strong></p>  <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>，請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖，電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>，並填寫經電郵發送之「獎賞換領表格」，以作核對及跟進</li> \t<li>詳細流程：<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券？</a></li> \t<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供，其換領、使用方法及爭議，均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-scb-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日，於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈，全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p>  <ul> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情： \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶（即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶）或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p>  <ul> \t<li>客戶由2024年1月9日至2024年2月29日， \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎，依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul>  <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</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:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</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:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000（以較低者為準）</li> <li>還款期長達60個月；0%手續費</li> <li>7天冷靜期 - 豁免提早償還貸款手續費 </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/scb/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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請， 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。</li> \t<li>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適用的費用與收費</li> \t<li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請，並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> \t<li>申請要求：每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 於網上申請<br>2. 上載文件<br>3. 即時批核<br>4. 確認及發放貸款"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港永久性居民身份證\n<br>2. 最近期住宅地址證明\n<br>3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；<br>非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄；<br>自僱人士請提供商業登記證及最近之營業稅單\n<br><br>"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 税季私人貸款, hs_name=, hs_updated_by_user_id=60412388}, id=62168994035, table_id=4701663, table_name=product_moneyhero})

建行(亞洲) 「好現金」私人分期貸款

最低實際年利率

1.85%

最高貸款額

HK$300萬/月薪12倍

手續費

申請優惠

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

Debug data (JSON)

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     限時優惠：2023年11月20日下午6時至2024年2月29日，成功經MoneyHero申請，並於2024年2月29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         
如欲了解優惠詳情，請參閱條款及細則","【MoneyHero獨家優惠】額外送HK$3,000 Apple Store 禮品卡 / 惠康現金券
   \t2023年11月20日下午6時至2024年2月29日，經MoneyHero成功申請指定貸款，可額外獲贈HK$3,000 Apple Store 禮品卡 / 惠康現金券
詳情請參閱條款及細則
","限時優惠 - 成功申請高達HK$8,500現金回贈
   \t2023年10月25日至2024年2月26日期間, 建行（亞洲）客戶成功申請建行(亞洲) 「好現金」私人分期貸款並成功遞交所須的證明文件，可獲高達HK$8,500現金回贈：
 
   \t \t\t \t\t\t \t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t \t\t \t\t \t\t\t \t\t\t \t\t\t\t\t \t\t \t\t\t \t\t\t \t\t\t \t貸款金額 現金回贈 (只限24個月還款期) 現金回贈 (只限36個月或以上還款期) 下午3時前遞交網上申請優惠現金回贈
HK$100,001 至 HK$399,999 提取貸款額之1%（約至整數） 提取貸款額之1%（約至整數） HK$500
HK$400,000 至 HK$2,999,999 HK$4,000 HK$4,000
HK$3,000,000 HK$4,000 HK$8,000  
 
   \t 
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width:100%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:26.1364%"><strong>貸款金額</strong></td> 	<td style="height:36px; text-align:left; width:13.0682%"><strong>現金回贈 (只限24個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:15.1988%"><strong>現金回贈 (只限36個月或以上還款期)</strong></td> 			<td style="height:36px; text-align:left; width:13.9205%"><strong>下午3時前遞交網上申請優惠現金回贈</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$100,001 至 HK$399,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">提取貸款額之1%（約至整數）</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">提取貸款額之1%（約至整數）</td> 	<td rowspan="3" style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.9205%">HK$500</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$400,000 至 HK$2,999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">HK$4,000</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$4,000</td>		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$3,000,000</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">HK$4,000</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$8,000</td> </tr> 	</tbody> </table>  <ul> 	 </ul>, 每月平息低至0.083%，實際年利率低至1.85%, 貸款額港幣10萬元或以下 免入息及住址證明, 手續費全免, 貸款額高達HK$3,000,000或月薪12倍（以較低者為準）], cons=[實際年利率1.85%是以每月平息0.083%，還款期12個月及HK$3,000,000貸款額計算, 實際年利率之計算方法以香港銀行公會所提供之計算方法作依據，並已約至小數後兩個位。實際年利率是一個參考年利率，以年化利率展示包括銀行產品的基本利率及其他適用的費用與收費。利息以每年365日計算, 假設私人分期貸款額為HKD100,000及還款期為12個月，每月平息為0.27%（實際年利率6.11%），貸款之總還款額為HKD103,248（豁免手續費）。以上例子只供參考。本行保留批核貸款申請及其條款之權利。個別客戶之利率優惠或有差異，最終利率將按客戶的信貸狀況而定, 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features={title=Features, pros=[【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券

     限時優惠：2023年11月20日下午6時至2024年2月29日，成功經MoneyHero申請，並於2024年2月29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         
如欲了解優惠詳情，請參閱條款及細則, 【MoneyHero獨家優惠】額外送HK$3,000 Apple Store 禮品卡 / 惠康現金券
   	2023年11月20日下午6時至2024年2月29日，經MoneyHero成功申請指定貸款，可額外獲贈HK$3,000 Apple Store 禮品卡 / 惠康現金券
詳情請參閱條款及細則
, 限時優惠 - 成功申請高達HK$8,500現金回贈
   	2023年10月25日至2024年2月26日期間, 建行（亞洲）客戶成功申請建行(亞洲) 「好現金」私人分期貸款並成功遞交所須的證明文件，可獲高達HK$8,500現金回贈：
 
   	 		 			貸款金額  	現金回贈 (只限24個月還款期)  			現金回贈 (只限36個月或以上還款期)  			下午3時前遞交網上申請優惠現金回贈  		
 		 			HK$100,001 至 HK$399,999  			提取貸款額之1%（約至整數）  			提取貸款額之1%（約至整數）  	HK$500  		
 		 			HK$400,000 至 HK$2,999,999  			HK$4,000  			HK$4,000 		
 		 			HK$3,000,000  			HK$4,000  			HK$8,000  
 	
 
   	 
, 每月平息低至0.083%，實際年利率低至1.85%, 貸款額港幣10萬元或以下 免入息及住址證明, 手續費全免, 貸款額高達HK$3,000,000或月薪12倍（以較低者為準）], cons=[實際年利率1.85%是以每月平息0.083%，還款期12個月及HK$3,000,000貸款額計算, 實際年利率之計算方法以香港銀行公會所提供之計算方法作依據，並已約至小數後兩個位。實際年利率是一個參考年利率，以年化利率展示包括銀行產品的基本利率及其他適用的費用與收費。利息以每年365日計算, 假設私人分期貸款額為HKD100,000及還款期為12個月，每月平息為0.27%（實際年利率6.11%），貸款之總還款額為HKD103,248（豁免手續費）。以上例子只供參考。本行保留批核貸款申請及其條款之權利。個別客戶之利率優惠或有差異，最終利率將按客戶的信貸狀況而定, 上述利率優惠只適用於滿足特定的信貸評級良好的客戶，中國建設銀行(亞洲)股份有限公司審批時會考慮為信貸評級較差的客戶提供另外的利率優惠。詳情請向職員查詢。中國建設銀行(亞洲)股份有限公司保留決定利率及最終批核結果之權利, 借定唔借? 還得到先好借！, 受條款及細則約束。]}, eligibility=[], 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, 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富邦「合您意」私人貸款

最低實際年利率

1.88

最高貸款額

HK$200萬/月薪12倍

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  客戶於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款金額達HK$100,000或以上，而還款期達36個月或以上，方可獲贈高達HK$4,800之超市現金券(「現金券」)優惠。此外，透過富邦銀行網頁或Fubon GO流動應用程式申請及成功提取貸款，可獲額外HK$300超市現金券。有關現金券換領信將於客戶成功提取貸款後1個月內郵寄至客戶之通訊地址。若有關現金券送罄，富邦銀行(香港)有限公司有權以其他現金券取代而毋須另行通知。現金券不可兌換現金。現金券之使用須根據現金券上之條款及細則為準。有關現金券由個別供應商提供，富邦銀行概不對供應商所提供的產品和服務之質素和供應量，或其提供的資料作出任何陳述或保證。富邦銀行在任何情況下毋須就有關產品、服務或資料的各方面引起或與其有關的事宜負上任何責任。
 客戶必須於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款，方可獲享有關個人化息率及/或其他優惠。
 申請人須為年滿18歲及年薪達HK$60,000或以上之香港永久性居民。
 個人化息率乃依據客戶之信貸質素及所遞交之個人資料而訂定。有關實際年利率由最低2.38%至最高33.02%，而還款期由最少12個月至最多60個月。上述實際年利率乃依據銀行營運守則指引計算的參考利率，此利率為年化利率並已包括貸款的基本利率。
 客戶獲初步批核貸款結果後，須遞交所需個人資料及/或文件，以便富邦銀行(香港)有限公司作出最終批核。客戶所獲之最終批核結果，將以富邦銀行於收取所需文件後之決定為準。富邦銀行保留貸款與否及貸款金額之最終批核權。
 客戶必須使用「電話密碼」進行客戶身份認證，成功認證後方可透過富邦銀行綜合客戶服務熱線查詢獲成功批核而開立之私人貸款賬戶的資料。如客戶並未持有有效的「電話密碼」，可於提取貸款後親臨富邦銀行各分行辦理申請，「電話密碼」將會寄奉予客戶。
 富邦銀行將會於貸款獲成功批核後4至7個工作天內將貸款全數直接存入客戶指定之銀行戶口，有關貸款確認函將會寄奉予客戶。收款銀行(富邦銀行除外)可能會從客戶之銀行戶口扣除港元匯款之手續費。
 富邦銀行保留因應個別審批結果而給予客戶其他年利率、還款期或私人貸款計劃之權利。
 富邦銀行保留隨時暫停、更改或終止上述優惠及修訂其條款及細則之權利，而毋須另行通知。如有任何爭議，富邦銀行保留最終決定權。
 受條款及細則所約束。詳情請瀏覽富邦銀行網頁
 借定唔借？還得到先好借！
 
"],"pros":["【MoneyHero獨家優惠】成功貸款即送高達HK$7,000 Apple Store禮品卡 或 惠康現金券，換取iPhone15話咁易！ 
   \t獨家優惠：即日起至2024年2月29日，經MoneyHero申請並於申請後1個月內成功提取指定貸款額 (申請時需於富邦銀行網頁或Fubon GO流動應用程式內輸入推廣碼「MHRL10」)，及還款期達12個月或以上，可享以下禮品 \t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t\t\t貸款額 Apple Store 禮品卡 或 惠康現金券
HK$1,000,000或以上  \t\t\tHK$7,000
 \t\t\t
HK$500,000 - HK$999,999 HK$6,000
HK$300,000 - HK$499,999 HK$6,000
HK$150,000 - HK$299,999 HK$2,500
 HK$50,000 - HK$149,999 HK$2,000
 
\t
如要領取MoneyHero獨家優惠： \t \t\t客戶經MoneyHero官網申請貸款時必須輸入電郵地址，MoneyHero會即時經電郵發送奬賞換領表格供客戶填寫
 \t\t合資格客戶請於7日內填妥MoneyHero奬賞換領表格 (所需資料如下) 及遞交，以供MoneyHero與富邦銀行核對獎賞資格： \t\t \t\t\t申請編號 (經網上向富邦銀行申請貸款後於頁面提供的參考編號)；及
 \t\t\t聯絡資料
 \t\t
 \t\t
 \t\t換領流程由銀行確認奬賞資格起計需時至少16星期，所需時間或會因批核及其他實際情況變動，獎賞換領信會透過電郵發出。
 \t\t若合資格客戶未有收到獎賞換領表格，可以連同(1)申請之產品名稱 (eg. 富邦「卡數清」私人貸款 ) 及 (2)申請日期，電郵至support@moneyhero.com.hk 以索取「獎賞換領表格」。
 \t\t申請小貼士﹕  \t\t \t\t\t申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 \t\t
 \t\t
 \t
 \t
 \t優惠受條款及細則約束
","富邦銀行限時優惠 - 可享高達HK$5,100獎賞
   \t網上申請 : 送 HK$300 超市現金券 \t \t\t經富邦銀行網頁或Fubon GO流動應用程式申請及提取貸款，可獲 HK$300 超市現金券
 \t
 \t
 \t提取貸款 : 額外獲贈高達 HK$4,800 超市現金券
 \t成功提取以下貸款金額及還款期達36個月或以上，可獲贈超市現金券:
 
   \t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t \t貸款額 超市現金券
HK$1,000,000 或以上 HK$4,800
HK$500,000 至 HK$999,999 HK$2,500
HK$200,000 至 HK$499,999 HK$1,200
 HK$100,000 至 HK$199,999 HK$500
 
","產品特色
  實際年利率低至2.38%，月平息低至0.1068%
 HK$0手續費
 貸款額最高可達月薪12倍或HK$2,000,000（以較低者為準）
 還款期更可長達60個月
 專人跟進，最快30分鐘獲悉初步批核結果，貸款成功獲批核後，現金最快即日到手
 
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【靈活理財】實際年利率2.38%，以月平息0.1068%，貸款額HK$1,500,000及還款期12個月計算，個別客戶之實際年利率或有差異並以最終批核結果為準

🥇【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","countdown":{"date":{"endDate":null,"startDate":null},"displayProductPage":false,"text":""},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0},"type":[{"display":"MoneyHero獨家優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"fubon-bank","providerName":"富邦銀行"},"rawFunctionalPl":{"defaults":{"loanAmount":100000,"loanTenure":24},"fees":[],"interestRateInterval":"MONTHLY","loanType":"FLAT_INTEREST_RATE","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":1.88,"eir":null,"fees":[],"interestRate":0.0845,"loanAmountMax":1000000.0,"loanAmountMin":10000.0,"loanTenureMax":60,"loanTenureMin":6,"transferRate":null}],"repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[],"criteriaDetails":[],"eligibleOccupations":[],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"","title":"HK.PL.FUBO0002.FUBONPERFECTFITPERSONALLOAN","totalRepayment":null}

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text-align:center; width:36.2216%"><strong>貸款額</strong></td> 			<td style="height:50px; text-align:center; width:37.9261%"><strong>Apple Store 禮品卡 或 惠康現金券</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%">HK$1,000,000或以上</td> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%"> 			<p>HK$7,000</p> 			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%">HK$500,000 - HK$999,999</td> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%">HK$6,000</span></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%">HK$300,000 - HK$499,999</td> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%">HK$6,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%">HK$150,000 - HK$299,999</td> 			<td style="border-top:1px solid #ededed; text-align:center">HK$2,500</td> 		</tr> <tr> 			<td style="border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%">HK$50,000 - HK$149,999</td> 			<td style="border-top:1px solid #ededed; text-align:center">HK$2,000</td> 		</tr>		</tbody> </table>	<li><strong>如要領取MoneyHero獨家優惠：</strong> 	<ul> 		<li>客戶經MoneyHero官網申請貸款時必須輸入電郵地址，MoneyHero會即時經電郵發送奬賞換領表格供客戶填寫</li> 		<li>合資格客戶請於7日內填妥MoneyHero奬賞換領表格 (所需資料如下) 及遞交，以供MoneyHero與富邦銀行核對獎賞資格： 		<ul> 			<li>申請編號 (經網上向富邦銀行申請貸款後於頁面提供的參考編號)；及</li> 			<li>聯絡資料</li> 		</ul> 		</li> 		<li>換領流程由銀行確認奬賞資格起計需時至少16星期，所需時間或會因批核及其他實際情況變動，獎賞換領信會透過電郵發出。</li> 		<li>若合資格客戶未有收到獎賞換領表格，可以連同(1)申請之產品名稱 (eg. 富邦「卡數清」私人貸款 ) 及 (2)申請日期，電郵至support@moneyhero.com.hk 以索取「獎賞換領表格」。</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> 	<li>優惠受<a href="https://moneyhero.link/pl-fubon-pil-ez-tnc-listing" rel="noopener" target="_blank">條款及細則</a>約束</li></ul>, <p><strong>富邦銀行限時優惠 - 可享高達HK$5,100獎賞</strong></p>  <ul> 	<li>網上申請 : 送 HK$300 超市現金券 	<ul> 		<li>經富邦銀行網頁或Fubon GO流動應用程式申請及提取貸款，可獲 HK$300 超市現金券</li> 	</ul> 	</li> 	<li>提取貸款 : 額外獲贈高達 HK$4,800 超市現金券<br /> 	成功提取以下貸款金額及還款期達36個月或以上，可獲贈超市現金券:</li> </ul>  <table style="width:100%%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:26.9564%"><strong>貸款額</strong></td> 			<td style="height:36px; text-align:left; width:25.6891%"><strong>超市現金券</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:26.9564%">HK$1,000,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:25.6891%">HK$4,800</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%">HK$500,000 至 HK$999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%">HK$2,500</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%">HK$200,000 至 HK$499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%">HK$1,200</td> 		</tr> <tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%">HK$100,000 至 HK$199,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%">HK$500</td> 		</tr> 	</tbody> </table>, <p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.38%，月平息低至0.1068%</li> <li>HK$0手續費</li> <li>貸款額最高可達月薪12倍或HK$2,000,000（以較低者為準）</li> <li>還款期更可長達60個月</li> <li>專人跟進，最快30分鐘獲悉初步批核結果，貸款成功獲批核後，現金最快即日到手</li> </ul>], cons=[<p><strong>注意事項</strong></p> <ul> <li>客戶於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款金額達HK$100,000或以上，而還款期達36個月或以上，方可獲贈高達HK$4,800之超市現金券(「現金券」)優惠。此外，透過富邦銀行網頁或Fubon GO流動應用程式申請及成功提取貸款，可獲額外HK$300超市現金券。有關現金券換領信將於客戶成功提取貸款後1個月內郵寄至客戶之通訊地址。若有關現金券送罄，富邦銀行(香港)有限公司有權以其他現金券取代而毋須另行通知。現金券不可兌換現金。現金券之使用須根據現金券上之條款及細則為準。有關現金券由個別供應商提供，富邦銀行概不對供應商所提供的產品和服務之質素和供應量，或其提供的資料作出任何陳述或保證。富邦銀行在任何情況下毋須就有關產品、服務或資料的各方面引起或與其有關的事宜負上任何責任。</li> <li>客戶必須於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款，方可獲享有關個人化息率及/或其他優惠。</li> <li>申請人須為年滿18歲及年薪達HK$60,000或以上之香港永久性居民。</li> <li>個人化息率乃依據客戶之信貸質素及所遞交之個人資料而訂定。有關實際年利率由最低2.38%至最高33.02%，而還款期由最少12個月至最多60個月。上述實際年利率乃依據銀行營運守則指引計算的參考利率，此利率為年化利率並已包括貸款的基本利率。</li> <li>客戶獲初步批核貸款結果後，須遞交所需個人資料及/或文件，以便富邦銀行(香港)有限公司作出最終批核。客戶所獲之最終批核結果，將以富邦銀行於收取所需文件後之決定為準。富邦銀行保留貸款與否及貸款金額之最終批核權。</li> <li>客戶必須使用「電話密碼」進行客戶身份認證，成功認證後方可透過富邦銀行綜合客戶服務熱線查詢獲成功批核而開立之私人貸款賬戶的資料。如客戶並未持有有效的「電話密碼」，可於提取貸款後親臨富邦銀行各分行辦理申請，「電話密碼」將會寄奉予客戶。</li> <li>富邦銀行將會於貸款獲成功批核後4至7個工作天內將貸款全數直接存入客戶指定之銀行戶口，有關貸款確認函將會寄奉予客戶。收款銀行(富邦銀行除外)可能會從客戶之銀行戶口扣除港元匯款之手續費。</li> <li>富邦銀行保留因應個別審批結果而給予客戶其他年利率、還款期或私人貸款計劃之權利。</li> <li>富邦銀行保留隨時暫停、更改或終止上述優惠及修訂其條款及細則之權利，而毋須另行通知。如有任何爭議，富邦銀行保留最終決定權。</li> <li>受條款及細則所約束。詳情請瀏覽富邦銀行網頁</li> <li>借定唔借？還得到先好借！</li> </ul>]}, functional={metaData={alias=fubon-perfect-fit-personal-loan}, rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1000000.0, apr=1.88, eir=null, interestRate=0.0845, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, id=bltcc5b87d5fb6131fe_27_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltefb9330208d85155/5c2c8bcf7aa4ddfb1b526266/fubon.png, description=TODO, dimension=null}, imageOrientation=LANDSCAPE, interestRate=null, monthlyRepayment=null, needCategories=[], offers=null, offersFaq=null, productName=富邦「合您意」私人貸款, promotional={bannerText=<strong>【</strong><span><strong>換取</strong></span><strong></strong><span><strong>iPhone15</strong></span><strong></strong><span><strong>話咁易！2</strong></span><strong>月29日截止】</strong>成功提取指定貸款額即可獲MoneyHero獨家優惠 <strong>高達HK$7,000 Apple Store 禮品卡 或 惠康現金券 </strong>及【富邦銀行限時優惠】高達<strong>HK$5,100</strong>獎賞。<span>總獎賞高達</span><span>HK$12,100</span><span>！</span></p><ul><li>【靈活理財】實際年利率2.38%，以月平息0.1068%，貸款額HK$1,500,000及還款期12個月計算，個別客戶之實際年利率或有差異並以最終批核結果為準</li></ul><p></p><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！即睇<a href="https://www.moneyhero.com.hk/zh/campaign/best-price?utm_source=PL_FubonRPlisting&utm_medium=referral&utm_campaign=BestPrice">詳情</a>, bannerImage=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}]}, provider={alias=fubon-bank, providerName=富邦銀行}, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1000000.0, apr=1.88, eir=null, interestRate=0.0845, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, termsAndConditions=, title=HK.PL.FUBO0002.FUBONPERFECTFITPERSONALLOAN, totalRepayment=null})

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【靈活理財】實際年利率2.38%，以月平息0.1068%，貸款額HK$1,500,000及還款期12個月計算，個別客戶之實際年利率或有差異並以最終批核結果為準
🥇【全城最高優惠保證】保證MoneyHero獨家優惠比其他平台高，如果你成功經MoneyHero申請後發現其他平台有更高優惠，可以申請以現金券形式補回差額！即睇詳情, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=412168000, displayValue=412,168, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=11449111, displayValue=11,449, 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.CAEaP2h0dHBzOi8vbW9uZXloZXJvLmxpbmsvZnVib24tcGVyZmVjdC1maXQtcGVyc29uYWwtbG9hbi1wbC16aC1ycA.gObtxzfNQnkt6km8Bb2TkCNJf1W4or8jlBDvohJG0oSW7RazsvwTZDwpdv_qgfUTYgYaHeboll03HIIXXR4JDQ, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=fubon-perfect-fit-personal-loan}, rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1000000.0, apr=1.88, eir=null, interestRate=0.0845, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=fubon-bank, providerName=富邦銀行}, description={shortDescription=[]}, productName=富邦「合您意」私人貸款, title=HK.PL.FUBO0002.FUBONPERFECTFITPERSONALLOAN, features={title=Features, pros=[
【MoneyHero獨家優惠】成功貸款即送高達HK$7,000 Apple Store禮品卡 或 惠康現金券，換取iPhone15話咁易！ 
   	獨家優惠：即日起至2024年2月29日，經MoneyHero申請並於申請後1個月內成功提取指定貸款額 (申請時需於富邦銀行網頁或Fubon GO流動應用程式內輸入推廣碼「MHRL10」)，及還款期達12個月或以上，可享以下禮品 	 		 			貸款額  			Apple Store 禮品卡 或 惠康現金券  		
 		 			HK$1,000,000或以上  			 			HK$7,000
 			  		
 		 			HK$500,000 - HK$999,999  			HK$6,000  		
 		 			HK$300,000 - HK$499,999  			HK$6,000  		
 		 			HK$150,000 - HK$299,999  			HK$2,500  		
  			HK$50,000 - HK$149,999  			HK$2,000  		
		
 
	
如要領取MoneyHero獨家優惠： 	 		客戶經MoneyHero官網申請貸款時必須輸入電郵地址，MoneyHero會即時經電郵發送奬賞換領表格供客戶填寫
 		合資格客戶請於7日內填妥MoneyHero奬賞換領表格 (所需資料如下) 及遞交，以供MoneyHero與富邦銀行核對獎賞資格： 		 			申請編號 (經網上向富邦銀行申請貸款後於頁面提供的參考編號)；及
 			聯絡資料
 		
 		
 		換領流程由銀行確認奬賞資格起計需時至少16星期，所需時間或會因批核及其他實際情況變動，獎賞換領信會透過電郵發出。
 		若合資格客戶未有收到獎賞換領表格，可以連同(1)申請之產品名稱 (eg. 富邦「卡數清」私人貸款 ) 及 (2)申請日期，電郵至support@moneyhero.com.hk 以索取「獎賞換領表格」。
 		申請小貼士﹕  		 			申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 		
 		
 	
 	
 	優惠受條款及細則約束
, 富邦銀行限時優惠 - 可享高達HK$5,100獎賞
   	網上申請 : 送 HK$300 超市現金券 	 		經富邦銀行網頁或Fubon GO流動應用程式申請及提取貸款，可獲 HK$300 超市現金券
 	
 	
 	提取貸款 : 額外獲贈高達 HK$4,800 超市現金券
 	成功提取以下貸款金額及還款期達36個月或以上，可獲贈超市現金券:
 
   	 		 			貸款額  			超市現金券  		
 		 			HK$1,000,000 或以上  			HK$4,800  		
 		 			HK$500,000 至 HK$999,999  			HK$2,500  		
 		 			HK$200,000 至 HK$499,999  			HK$1,200  		
  			HK$100,000 至 HK$199,999  			HK$500  		
 	
 
, 產品特色
  實際年利率低至2.38%，月平息低至0.1068%
 HK$0手續費
 貸款額最高可達月薪12倍或HK$2,000,000（以較低者為準）
 還款期更可長達60個月
 專人跟進，最快30分鐘獲悉初步批核結果，貸款成功獲批核後，現金最快即日到手
 
], cons=[注意事項
  客戶於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款金額達HK$100,000或以上，而還款期達36個月或以上，方可獲贈高達HK$4,800之超市現金券(「現金券」)優惠。此外，透過富邦銀行網頁或Fubon GO流動應用程式申請及成功提取貸款，可獲額外HK$300超市現金券。有關現金券換領信將於客戶成功提取貸款後1個月內郵寄至客戶之通訊地址。若有關現金券送罄，富邦銀行(香港)有限公司有權以其他現金券取代而毋須另行通知。現金券不可兌換現金。現金券之使用須根據現金券上之條款及細則為準。有關現金券由個別供應商提供，富邦銀行概不對供應商所提供的產品和服務之質素和供應量，或其提供的資料作出任何陳述或保證。富邦銀行在任何情況下毋須就有關產品、服務或資料的各方面引起或與其有關的事宜負上任何責任。
 客戶必須於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款，方可獲享有關個人化息率及/或其他優惠。
 申請人須為年滿18歲及年薪達HK$60,000或以上之香港永久性居民。
 個人化息率乃依據客戶之信貸質素及所遞交之個人資料而訂定。有關實際年利率由最低2.38%至最高33.02%，而還款期由最少12個月至最多60個月。上述實際年利率乃依據銀行營運守則指引計算的參考利率，此利率為年化利率並已包括貸款的基本利率。
 客戶獲初步批核貸款結果後，須遞交所需個人資料及/或文件，以便富邦銀行(香港)有限公司作出最終批核。客戶所獲之最終批核結果，將以富邦銀行於收取所需文件後之決定為準。富邦銀行保留貸款與否及貸款金額之最終批核權。
 客戶必須使用「電話密碼」進行客戶身份認證，成功認證後方可透過富邦銀行綜合客戶服務熱線查詢獲成功批核而開立之私人貸款賬戶的資料。如客戶並未持有有效的「電話密碼」，可於提取貸款後親臨富邦銀行各分行辦理申請，「電話密碼」將會寄奉予客戶。
 富邦銀行將會於貸款獲成功批核後4至7個工作天內將貸款全數直接存入客戶指定之銀行戶口，有關貸款確認函將會寄奉予客戶。收款銀行(富邦銀行除外)可能會從客戶之銀行戶口扣除港元匯款之手續費。
 富邦銀行保留因應個別審批結果而給予客戶其他年利率、還款期或私人貸款計劃之權利。
 富邦銀行保留隨時暫停、更改或終止上述優惠及修訂其條款及細則之權利，而毋須另行通知。如有任何爭議，富邦銀行保留最終決定權。
 受條款及細則所約束。詳情請瀏覽富邦銀行網頁
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=60000, description={shortDescription=HK$60,000, 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={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 點擊「官網申請」。
2. 點選「申請私人貸款」。
3. 選擇「合您意」私人貸款。
4. 提交申請及等待批核結果。}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港身份證
2. 手機電話號碼
3. 住址或郵寄地址證明}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1000000.0, apr=1.88, eir=null, interestRate=0.0845, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

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Apple Store禮品卡 或 惠康現金券，換取iPhone15話咁易！ </strong></p>  <ul> \t<li><strong>獨家優惠</strong>：即日起至2024年2月29日，經MoneyHero申請並於申請後1個月內成功提取指定貸款額 (申請時需於富邦銀行網頁或Fubon GO流動應用程式內輸入推廣碼「<strong>MHRL10</strong>」)，及還款期達12個月或以上，可享以下禮品<table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:center; width:36.2216%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:37.9261%\"><strong>Apple Store 禮品卡 或 惠康現金券</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$1,000,000或以上</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\"> \t\t\t<p>HK$7,000</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$500,000 - HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\">HK$6,000</span></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\">HK$6,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$150,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; text-align:center\">HK$2,500</td> \t\t</tr> <tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$50,000 - HK$149,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; text-align:center\">HK$2,000</td> \t\t</tr>\t\t</tbody> </table>\t<li><strong>如要領取MoneyHero獨家優惠：</strong> \t<ul> \t\t<li>客戶經MoneyHero官網申請貸款時必須輸入電郵地址，MoneyHero會即時經電郵發送奬賞換領表格供客戶填寫</li> \t\t<li>合資格客戶請於7日內填妥MoneyHero奬賞換領表格 (所需資料如下) 及遞交，以供MoneyHero與富邦銀行核對獎賞資格： \t\t<ul> \t\t\t<li>申請編號 (經網上向富邦銀行申請貸款後於頁面提供的參考編號)；及</li> \t\t\t<li>聯絡資料</li> \t\t</ul> \t\t</li> \t\t<li>換領流程由銀行確認奬賞資格起計需時至少16星期，所需時間或會因批核及其他實際情況變動，獎賞換領信會透過電郵發出。</li> \t\t<li>若合資格客戶未有收到獎賞換領表格，可以連同(1)申請之產品名稱 (eg. 富邦「卡數清」私人貸款 ) 及 (2)申請日期，電郵至support@moneyhero.com.hk 以索取「獎賞換領表格」。</li> \t\t<li><strong>申請小貼士﹕</strong>&nbsp; \t\t<ul> \t\t\t<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> \t\t</ul> \t\t</li> \t</ul> \t</li> \t<li>優惠受<a href=\"https://moneyhero.link/pl-fubon-pil-ez-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li></ul>","<p><strong>富邦銀行限時優惠 - 可享高達HK$5,100獎賞</strong></p>  <ul> \t<li>網上申請 : 送 HK$300 超市現金券 \t<ul> \t\t<li>經富邦銀行網頁或Fubon GO流動應用程式申請及提取貸款，可獲 HK$300 超市現金券</li> \t</ul> \t</li> \t<li>提取貸款 : 額外獲贈高達 HK$4,800 超市現金券<br /> \t成功提取以下貸款金額及還款期達36個月或以上，可獲贈超市現金券:</li> </ul>  <table style=\"width:100%%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:26.9564%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:25.6891%\"><strong>超市現金券</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:26.9564%\">HK$1,000,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:25.6891%\">HK$4,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$200,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$1,200</td> \t\t</tr> <tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$500</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.38%，月平息低至0.1068%</li> <li>HK$0手續費</li> <li>貸款額最高可達月薪12倍或HK$2,000,000（以較低者為準）</li> <li>還款期更可長達60個月</li> <li>專人跟進，最快30分鐘獲悉初步批核結果，貸款成功獲批核後，現金最快即日到手</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>客戶於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款金額達HK$100,000或以上，而還款期達36個月或以上，方可獲贈高達HK$4,800之超市現金券(「現金券」)優惠。此外，透過富邦銀行網頁或Fubon GO流動應用程式申請及成功提取貸款，可獲額外HK$300超市現金券。有關現金券換領信將於客戶成功提取貸款後1個月內郵寄至客戶之通訊地址。若有關現金券送罄，富邦銀行(香港)有限公司有權以其他現金券取代而毋須另行通知。現金券不可兌換現金。現金券之使用須根據現金券上之條款及細則為準。有關現金券由個別供應商提供，富邦銀行概不對供應商所提供的產品和服務之質素和供應量，或其提供的資料作出任何陳述或保證。富邦銀行在任何情況下毋須就有關產品、服務或資料的各方面引起或與其有關的事宜負上任何責任。</li> <li>客戶必須於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款，方可獲享有關個人化息率及/或其他優惠。</li> <li>申請人須為年滿18歲及年薪達HK$60,000或以上之香港永久性居民。</li> <li>個人化息率乃依據客戶之信貸質素及所遞交之個人資料而訂定。有關實際年利率由最低2.38%至最高33.02%，而還款期由最少12個月至最多60個月。上述實際年利率乃依據銀行營運守則指引計算的參考利率，此利率為年化利率並已包括貸款的基本利率。</li> <li>客戶獲初步批核貸款結果後，須遞交所需個人資料及/或文件，以便富邦銀行(香港)有限公司作出最終批核。客戶所獲之最終批核結果，將以富邦銀行於收取所需文件後之決定為準。富邦銀行保留貸款與否及貸款金額之最終批核權。</li> <li>客戶必須使用「電話密碼」進行客戶身份認證，成功認證後方可透過富邦銀行綜合客戶服務熱線查詢獲成功批核而開立之私人貸款賬戶的資料。如客戶並未持有有效的「電話密碼」，可於提取貸款後親臨富邦銀行各分行辦理申請，「電話密碼」將會寄奉予客戶。</li> <li>富邦銀行將會於貸款獲成功批核後4至7個工作天內將貸款全數直接存入客戶指定之銀行戶口，有關貸款確認函將會寄奉予客戶。收款銀行(富邦銀行除外)可能會從客戶之銀行戶口扣除港元匯款之手續費。</li> <li>富邦銀行保留因應個別審批結果而給予客戶其他年利率、還款期或私人貸款計劃之權利。</li> <li>富邦銀行保留隨時暫停、更改或終止上述優惠及修訂其條款及細則之權利，而毋須另行通知。如有任何爭議，富邦銀行保留最終決定權。</li> <li>受條款及細則所約束。詳情請瀏覽富邦銀行網頁</li> <li>借定唔借？還得到先好借！</li> 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text-align:center; width:36.2216%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:37.9261%\"><strong>Apple Store 禮品卡 或 惠康現金券</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$1,000,000或以上</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\"> \t\t\t<p>HK$7,000</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$500,000 - HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\">HK$6,000</span></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:37.9261%\">HK$6,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$150,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; text-align:center\">HK$2,500</td> \t\t</tr> <tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:36.2216%\">HK$50,000 - HK$149,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; text-align:center\">HK$2,000</td> \t\t</tr>\t\t</tbody> </table>\t<li><strong>如要領取MoneyHero獨家優惠：</strong> \t<ul> \t\t<li>客戶經MoneyHero官網申請貸款時必須輸入電郵地址，MoneyHero會即時經電郵發送奬賞換領表格供客戶填寫</li> \t\t<li>合資格客戶請於7日內填妥MoneyHero奬賞換領表格 (所需資料如下) 及遞交，以供MoneyHero與富邦銀行核對獎賞資格： \t\t<ul> \t\t\t<li>申請編號 (經網上向富邦銀行申請貸款後於頁面提供的參考編號)；及</li> \t\t\t<li>聯絡資料</li> \t\t</ul> \t\t</li> \t\t<li>換領流程由銀行確認奬賞資格起計需時至少16星期，所需時間或會因批核及其他實際情況變動，獎賞換領信會透過電郵發出。</li> \t\t<li>若合資格客戶未有收到獎賞換領表格，可以連同(1)申請之產品名稱 (eg. 富邦「卡數清」私人貸款 ) 及 (2)申請日期，電郵至support@moneyhero.com.hk 以索取「獎賞換領表格」。</li> \t\t<li><strong>申請小貼士﹕</strong>&nbsp; \t\t<ul> \t\t\t<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> \t\t</ul> \t\t</li> \t</ul> \t</li> \t<li>優惠受<a href=\"https://moneyhero.link/pl-fubon-pil-ez-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li></ul>","<p><strong>富邦銀行限時優惠 - 可享高達HK$5,100獎賞</strong></p>  <ul> \t<li>網上申請 : 送 HK$300 超市現金券 \t<ul> \t\t<li>經富邦銀行網頁或Fubon GO流動應用程式申請及提取貸款，可獲 HK$300 超市現金券</li> \t</ul> \t</li> \t<li>提取貸款 : 額外獲贈高達 HK$4,800 超市現金券<br /> \t成功提取以下貸款金額及還款期達36個月或以上，可獲贈超市現金券:</li> </ul>  <table style=\"width:100%%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:26.9564%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:25.6891%\"><strong>超市現金券</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:26.9564%\">HK$1,000,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:25.6891%\">HK$4,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$200,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$1,200</td> \t\t</tr> <tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.9564%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:25.6891%\">HK$500</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.38%，月平息低至0.1068%</li> <li>HK$0手續費</li> <li>貸款額最高可達月薪12倍或HK$2,000,000（以較低者為準）</li> <li>還款期更可長達60個月</li> <li>專人跟進，最快30分鐘獲悉初步批核結果，貸款成功獲批核後，現金最快即日到手</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>客戶於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款金額達HK$100,000或以上，而還款期達36個月或以上，方可獲贈高達HK$4,800之超市現金券(「現金券」)優惠。此外，透過富邦銀行網頁或Fubon GO流動應用程式申請及成功提取貸款，可獲額外HK$300超市現金券。有關現金券換領信將於客戶成功提取貸款後1個月內郵寄至客戶之通訊地址。若有關現金券送罄，富邦銀行(香港)有限公司有權以其他現金券取代而毋須另行通知。現金券不可兌換現金。現金券之使用須根據現金券上之條款及細則為準。有關現金券由個別供應商提供，富邦銀行概不對供應商所提供的產品和服務之質素和供應量，或其提供的資料作出任何陳述或保證。富邦銀行在任何情況下毋須就有關產品、服務或資料的各方面引起或與其有關的事宜負上任何責任。</li> <li>客戶必須於2024年3月31日或之前成功申請及提取富邦「合您意」私人貸款，方可獲享有關個人化息率及/或其他優惠。</li> <li>申請人須為年滿18歲及年薪達HK$60,000或以上之香港永久性居民。</li> <li>個人化息率乃依據客戶之信貸質素及所遞交之個人資料而訂定。有關實際年利率由最低2.38%至最高33.02%，而還款期由最少12個月至最多60個月。上述實際年利率乃依據銀行營運守則指引計算的參考利率，此利率為年化利率並已包括貸款的基本利率。</li> <li>客戶獲初步批核貸款結果後，須遞交所需個人資料及/或文件，以便富邦銀行(香港)有限公司作出最終批核。客戶所獲之最終批核結果，將以富邦銀行於收取所需文件後之決定為準。富邦銀行保留貸款與否及貸款金額之最終批核權。</li> <li>客戶必須使用「電話密碼」進行客戶身份認證，成功認證後方可透過富邦銀行綜合客戶服務熱線查詢獲成功批核而開立之私人貸款賬戶的資料。如客戶並未持有有效的「電話密碼」，可於提取貸款後親臨富邦銀行各分行辦理申請，「電話密碼」將會寄奉予客戶。</li> <li>富邦銀行將會於貸款獲成功批核後4至7個工作天內將貸款全數直接存入客戶指定之銀行戶口，有關貸款確認函將會寄奉予客戶。收款銀行(富邦銀行除外)可能會從客戶之銀行戶口扣除港元匯款之手續費。</li> <li>富邦銀行保留因應個別審批結果而給予客戶其他年利率、還款期或私人貸款計劃之權利。</li> <li>富邦銀行保留隨時暫停、更改或終止上述優惠及修訂其條款及細則之權利，而毋須另行通知。如有任何爭議，富邦銀行保留最終決定權。</li> <li>受條款及細則所約束。詳情請瀏覽富邦銀行網頁</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"60000","description":{"shortDescription":"HK$60,000","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":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 點擊「官網申請」。<br/>2. 點選「申請私人貸款」。<br/>3. 選擇「合您意」私人貸款。<br/>4. 提交申請及等待批核結果。"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"<p>1. 香港身份證<br>2. 手機電話號碼<br>3. 住址或郵寄地址證明</p>"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":10000.0,"loanAmountMax":1000000.0,"apr":1.88,"eir":null,"interestRate":0.0845,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=富邦「合您意」私人貸款, hs_name=, hs_updated_by_user_id=60412388}, id=62168994241, table_id=4701663, table_name=product_moneyhero})

星展銀行稅季貸款

最低實際年利率

2.2%

最高貸款額

HK$200萬/月薪20倍

手續費

申請優惠

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

Debug data (JSON)

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2. 確認個人資料及申報債務
3. 信貸報告
4. 選擇貸款計劃
5. 選擇放款方式
6. 發放貸款
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   \t最低收入要求：每年固定入息HK$80,000或以上
 \t現金券的換領信會於推廣期結束後5個月內郵寄予合資格客戶，客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。
 額外獎將在合資格的客戶於2024年7月1日至2024年12月31日期間（「額外獎饋贈期」）以本行發出的適用信用卡（定義見第10a條文）簽賬，當交易顯示於DBS Card+的簽賬頁面時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。客戶可使用收到的額外獎經DBS Card+的「一扣即享」功能扣減交易的應付金額。
要收到額外獎，客戶必須：
 在2024年5月31日當日持有一張由本行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。就在2024年5月31日當日持有多於一張由本行發出有效的信用卡主卡的客戶而言，本行會按下列順序為其預設適用信用卡：
\t現金券只適用於貸款戶口狀況良好及沒有逾期還款記錄（由銀行全權決定）的客戶
 \t實際年利率乃按《銀行營運守則》的相關指引計算，並已被約至最接近的兩位小數。實際年利率是一個參考利率，以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還
 \t受條款及細則約束。詳情請瀏覽星展銀行網頁
 \t上述資料只供參考，最終批核的貸款利率、貸款額、手續費及還款期須按客戶個別的財政狀況而定
 \t提早全數清還貸款需繳付有關費用，詳情請參閱私人分期貸款條款及細則。
 \t借定唔借？還得到先好借！
 
"],"pros":["【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券
      限時優惠：2024年2月1日中午12時至2月29日，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
     如欲了解優惠詳情，請參閱條款及細則
 
","客戶完成以下條件，可獲高達HK$7,700超市現金券、HK$300「一扣即享」金額
                            貸款額                               DBS現金券金額(還款期為12 /18/24/ 30/36個月)
                                           DBS現金券金額(還款期為 42/48/ 52/54/60 個月)
                          額外
「一扣即享」金額          
                      HK$1,500,000 或以上              HK$3,000              HK$7,700              HK$300          
                      HK$1,000,000 至 HK$1,499,999              HK$3,000              HK$7,700              HK$300          
                      HK$500,000 至 HK$999,999              HK$1,000              HK$3,000              HK$300          
                      HK$300,000 至 HK$499,999              HK$1,000              HK$1,000              HK$300          
                      HK$100,000 至 HK$299,999              HK$500              HK$500              HK$300          
     
 
      經星展銀行(香港)有限公司的網頁及DBS Card+手機應用程式申請此貸款；
     由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；
     2024年3月22日或之前：成功提取指定貸款額
 
","客戶完成以下條件，可獲高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡
                            貸款額              MoneyHero獨家 全新客戶優惠                               MoneyHero獨家 現有客戶優惠
                      
                      HK$1,500,000 或以上                               HK$10,800 超市現金券 / Apple Store 禮品卡
                                           HK$8,000 超市現金券 / Apple Store 禮品卡
                      
                      HK$1,000,000 至 HK$1,499,999                               HK$7,000 超市現金券 / Apple Store 禮品卡
                                           HK$5,500 超市現金券 / Apple Store 禮品卡
                      
                      HK$500,000 至 HK$999,999                               HK$5,500 超市現金券 / Apple Store 禮品卡
                                           HK$4,500 超市現金券 / Apple Store 禮品卡
                      
                      HK$300,000 至 HK$499,999              HK$3,500 超市現金券 / Apple Store 禮品卡              HK$3,000 超市現金券 / Apple Store 禮品卡          
                      HK$100,000 至 HK$299,999              HK$1,500 超市現金券 / Apple Store 禮品卡              HK$1,000 超市現金券 / Apple Store 禮品卡          
     
 
      經MoneyHero，或DBS Card+網頁成功申請此貸款；
     由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；
     2024年3月22日或之前：成功提取指定貸款額
     優惠受條款及細則約束
 
","產品特色
  實際年利率低至2.20%；實際年利率已計算2％手續費  手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算，並在提取貸款時從貸款本金中扣除及不予退還。
 
 
 貸款額高達HK$2,000,000或月薪20倍（以較低者為準），靈活還款期長達60個月
 借貸無須入息證明
 可提取已償還貸款額
 
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link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvZGJzLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi1wbC16aC1ycA.ngep43krzmJwiYX_HHoHl04_fBxsMhiWx0hgqzfRDJr7TIU3SYlk3V2nDbxhqkkDqbsr4JeLob51lSgDABy_AA, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, description={shortDescription=[【支出急增，靈活就手】貸款額高達HK$200萬 或 月薪20倍 (較低為準), 【特低利息】客戶可享實際年利率低至2.20%]}, disclaimer=null, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=80000, description={shortDescription=HK$80,000, longDescription=, tooltip=}}], enableCountdown=false, enableFlipBanner=false, featured=false, 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>     <li><strong>限時優惠</strong>：2024年2月1日中午12時至2月29日，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>     <li>如欲了解優惠詳情，請參閱<a href="https://moneyhero.link/dbs-loans-800-exclusuve-offer-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li> </ul>, <p>客戶完成以下條件，可獲高達HK$7,700超市現金券、HK$300「一扣即享」金額</p> <table style="height: 264px; width: 69.7885%;">     <tbody>         <tr style="height: 35px;">             <td style="height: 35px; text-align: left; width: 2.99401%;"><strong>貸款額</strong></td>             <td style="height: 35px; text-align: left; width: 2.99401%;">                 <p><strong>DBS現金券金額(還款期為12 /18/24/ 30/36個月)</strong></p>             </td>             <td style="height: 35px; text-align: left; width: 2.99401%;">                 <p><strong>DBS現金券金額(還款期為 42/48/ 52/54/60 個月)</strong></p>             </td>             <td style="height: 35px; text-align: left; width: 2.99401%;"><strong>額外</strong><br /><strong>「一扣即享」金額</strong></td>         </tr>         <tr style="height: 35px;">             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$1,500,000 或以上</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$3,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$7,700</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300</td>         </tr>         <tr style="height: 35px;">             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$1,000,000 至 HK$1,499,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$3,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$7,700</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300</td>         </tr>         <tr style="height: 35px;">             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$500,000 至 HK$999,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$1,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$3,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300</td>         </tr>         <tr style="height: 35px;">             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300,000 至 HK$499,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$1,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$1,000</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300</td>         </tr>         <tr style="height: 35px;">             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$100,000 至 HK$299,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$500</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$500</td>             <td style="border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;">HK$300</td>         </tr>     </tbody> </table> <ul>     <li>經星展銀行(香港)有限公司的網頁及DBS Card+手機應用程式申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li> </ul>, <p>客戶完成以下條件，可獲高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡</p> <table style="height: 279px; width: 67.4718%;">     <tbody>         <tr>             <td style="height: 50px; text-align: left; width: 3.20513%;"><strong>貸款額</strong></td>             <td style="height: 50px; text-align: left; width: 8.53883%;"><strong>MoneyHero獨家 全新客戶優惠</strong></td>             <td style="height: 50px; text-align: left; width: 17.5956%;">                 <p><strong>MoneyHero獨家 現有客戶優惠</strong></p>             </td>         </tr>         <tr>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;">HK$1,500,000 或以上</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;">                 <p>HK$10,800 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;">                 <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;">HK$1,000,000 至 HK$1,499,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;">                 <p>HK$7,000 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;">HK$500,000 至 HK$999,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;">                 <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;">HK$300,000 至 HK$499,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;">HK$3,500 超市現金券 / Apple Store 禮品卡</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;">HK$3,000 超市現金券 / Apple Store 禮品卡</td>         </tr>         <tr>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;">HK$100,000 至 HK$299,999</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;">HK$1,500 超市現金券 / Apple Store 禮品卡</td>             <td style="border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;">HK$1,000 超市現金券 / Apple Store 禮品卡</td>         </tr>     </tbody> </table> <ul>     <li>經MoneyHero，或DBS Card+網頁成功申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li>     <li>優惠受<a href="https://assets.contentstack.io/v3/assets/blt558576ec8d681e97/bltf854afc44671f187/65845dbc14672f7dd36f8305/MoneyHero_X_DBS_PIL_Jan_2024_TnC_v3.pdf" target="_blank">條款及細則</a>約束</li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.20%；實際年利率已計算2％手續費 <ul> <li>手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算，並在提取貸款時從貸款本金中扣除及不予退還。</li> </ul> </li> <li>貸款額高達HK$2,000,000或月薪20倍（以較低者為準），靈活還款期長達60個月</li> <li>借貸無須入息證明</li> <li>可提取已償還貸款額</li> </ul>], cons=[<p><strong>注意事項</strong></p>  <ul> 	<li>最低收入要求：每年固定入息HK$80,000或以上</li> 	<li>現金券的換領信會於推廣期結束後5個月內郵寄予合資格客戶，客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。</li> <li>額外獎將在合資格的客戶於2024年7月1日至2024年12月31日期間（「額外獎饋贈期」）以本行發出的適用信用卡（定義見第10a條文）簽賬，當交易顯示於DBS Card+的簽賬頁面時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。客戶可使用收到的額外獎經DBS Card+的「一扣即享」功能扣減交易的應付金額。</li><li>要收到額外獎，客戶必須：<br> 在2024年5月31日當日持有一張由本行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。就在2024年5月31日當日持有多於一張由本行發出有效的信用卡主卡的客戶而言，本行會按下列順序為其預設適用信用卡：</li>	<li>現金券只適用於貸款戶口狀況良好及沒有逾期還款記錄（由銀行全權決定）的客戶</li> 	<li>實際年利率乃按《銀行營運守則》的相關指引計算，並已被約至最接近的兩位小數。實際年利率是一個參考利率，以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還</li> 	<li>受條款及細則約束。詳情請瀏覽星展銀行網頁</li> 	<li>上述資料只供參考，最終批核的貸款利率、貸款額、手續費及還款期須按客戶個別的財政狀況而定</li> 	<li>提早全數清還貸款需繳付有關費用，詳情請參閱私人分期貸款條款及細則。</li> 	<li>借定唔借？還得到先好借！</li> </ul>]}, functional={metaData={alias=dbs-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=12, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.14, eir=null, interestRate=0.1, fees=[]}, {loanTenureMin=12, loanTenureMax=12, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.91, eir=null, interestRate=0.09, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.25, eir=null, interestRate=0.18, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=500000.0, loanAmountMax=1999999.0, apr=6.01, eir=null, interestRate=0.17, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=2000000.0, loanAmountMax=2000000.0, apr=2.2, eir=null, interestRate=0.01, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.32, eir=null, interestRate=0.21, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=6.08, eir=null, interestRate=0.2, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.84, eir=null, interestRate=0.19, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.21, eir=null, interestRate=0.22, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.97, eir=null, interestRate=0.21, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.22, eir=null, interestRate=0.23, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=5.98, eir=null, interestRate=0.22, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.75, eir=null, interestRate=0.21, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=200000}}, id=blt38604a2fd01b4391_20_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt8b8af60da93d7437/5ca2d144aef178d33948e96c/dbs.png, description=, dimension=null}, imageOrientation=LANDSCAPE, interestRate=null, monthlyRepayment=null, needCategories=[], offers=null, offersFaq=null, productName=星展銀行 稅季貸款, promotional={bannerText=<strong>【2月29日截止】</strong>可享高達<span style="font-size: large;"><strong>HK$19,600獎賞</strong></span>，包括HK$800 Apple Store禮品卡/ 惠康超市禮券（不論貸款批核結果）、HK$7,700超市現金券、HK$300「一扣即享」金額，及高達<span style="font-size: large;"><strong>HK$10,800獨家超市現金券 或 Apple Store&nbsp;禮品卡</strong></span>, bannerImage=null, countdown={text=最後機會, displayProductPage=true, date={startDate=null, endDate=2022-09-19T15:59:59.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, provider={alias=dbs, providerName=星展銀行}, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=12, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.14, eir=null, interestRate=0.1, fees=[], transferRate=null}, {loanTenureMin=12, loanTenureMax=12, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.91, eir=null, interestRate=0.09, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.25, eir=null, interestRate=0.18, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=500000.0, loanAmountMax=1999999.0, apr=6.01, eir=null, interestRate=0.17, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=2000000.0, loanAmountMax=2000000.0, apr=2.2, eir=null, interestRate=0.01, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.32, eir=null, interestRate=0.21, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=6.08, eir=null, interestRate=0.2, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.84, eir=null, interestRate=0.19, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.21, eir=null, interestRate=0.22, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.97, eir=null, interestRate=0.21, fees=[], transferRate=null}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.22, eir=null, interestRate=0.23, fees=[], transferRate=null}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=5.98, eir=null, interestRate=0.22, fees=[], transferRate=null}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.75, eir=null, interestRate=0.21, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=200000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, termsAndConditions=, title=HK.PL.DBSX0001.PERSONALINSTALMENTLOAN, totalRepayment=null})

Debug data (Raw)


    {__typename=PersonalLoan, id=blt38604a2fd01b4391_20_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt8b8af60da93d7437/5ca2d144aef178d33948e96c/dbs.png, description=, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=【2月29日截止】可享高達HK$19,600獎賞，包括HK$800 Apple Store禮品卡/ 惠康超市禮券（不論貸款批核結果）、HK$7,700超市現金券、HK$300「一扣即享」金額，及高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡, bannerImage=null, countdown={text=最後機會, displayProductPage=true, date={startDate=null, endDate=2022-09-19T15:59:59.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=430240000, displayValue=430,240, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=11951111, displayValue=11,951, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=6320, displayValue=6.32, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvZGJzLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi1wbC16aC1ycA.ngep43krzmJwiYX_HHoHl04_fBxsMhiWx0hgqzfRDJr7TIU3SYlk3V2nDbxhqkkDqbsr4JeLob51lSgDABy_AA, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=dbs-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=12, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.14, eir=null, interestRate=0.1, fees=[]}, {loanTenureMin=12, loanTenureMax=12, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.91, eir=null, interestRate=0.09, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.25, eir=null, interestRate=0.18, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=500000.0, loanAmountMax=1999999.0, apr=6.01, eir=null, interestRate=0.17, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=2000000.0, loanAmountMax=2000000.0, apr=2.2, eir=null, interestRate=0.01, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.32, eir=null, interestRate=0.21, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=6.08, eir=null, interestRate=0.2, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.84, eir=null, interestRate=0.19, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.21, eir=null, interestRate=0.22, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=500000.0, loanAmountMax=2000000.0, apr=5.97, eir=null, interestRate=0.21, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=200000.0, loanAmountMax=499999.0, apr=6.22, eir=null, interestRate=0.23, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=5.98, eir=null, interestRate=0.22, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=2000000.0, apr=5.75, eir=null, interestRate=0.21, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=200000}}, provider={alias=dbs, providerName=星展銀行}, description={shortDescription=[【支出急增，靈活就手】貸款額高達HK$200萬 或 月薪20倍 (較低為準), 【特低利息】客戶可享實際年利率低至2.20%]}, productName=星展銀行 稅季貸款, title=HK.PL.DBSX0001.PERSONALINSTALMENTLOAN, features={title=Features, pros=[【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券
      限時優惠：2024年2月1日中午12時至2月29日，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
     如欲了解優惠詳情，請參閱條款及細則
 
, 客戶完成以下條件，可獲高達HK$7,700超市現金券、HK$300「一扣即享」金額
                            貸款額                               DBS現金券金額(還款期為12 /18/24/ 30/36個月)
                                           DBS現金券金額(還款期為 42/48/ 52/54/60 個月)
                          額外
「一扣即享」金額          
                      HK$1,500,000 或以上              HK$3,000              HK$7,700              HK$300          
                      HK$1,000,000 至 HK$1,499,999              HK$3,000              HK$7,700              HK$300          
                      HK$500,000 至 HK$999,999              HK$1,000              HK$3,000              HK$300          
                      HK$300,000 至 HK$499,999              HK$1,000              HK$1,000              HK$300          
                      HK$100,000 至 HK$299,999              HK$500              HK$500              HK$300          
     
 
      經星展銀行(香港)有限公司的網頁及DBS Card+手機應用程式申請此貸款；
     由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；
     2024年3月22日或之前：成功提取指定貸款額
 
, 客戶完成以下條件，可獲高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡
                            貸款額              MoneyHero獨家 全新客戶優惠                               MoneyHero獨家 現有客戶優惠
                      
                      HK$1,500,000 或以上                               HK$10,800 超市現金券 / Apple Store 禮品卡
                                           HK$8,000 超市現金券 / Apple Store 禮品卡
                      
                      HK$1,000,000 至 HK$1,499,999                               HK$7,000 超市現金券 / Apple Store 禮品卡
                                           HK$5,500 超市現金券 / Apple Store 禮品卡
                      
                      HK$500,000 至 HK$999,999                               HK$5,500 超市現金券 / Apple Store 禮品卡
                                           HK$4,500 超市現金券 / Apple Store 禮品卡
                      
                      HK$300,000 至 HK$499,999              HK$3,500 超市現金券 / Apple Store 禮品卡              HK$3,000 超市現金券 / Apple Store 禮品卡          
                      HK$100,000 至 HK$299,999              HK$1,500 超市現金券 / Apple Store 禮品卡              HK$1,000 超市現金券 / Apple Store 禮品卡          
     
 
      經MoneyHero，或DBS Card+網頁成功申請此貸款；
     由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；
     2024年3月22日或之前：成功提取指定貸款額
     優惠受條款及細則約束
 
, 產品特色
  實際年利率低至2.20%；實際年利率已計算2％手續費  手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算，並在提取貸款時從貸款本金中扣除及不予退還。
 
 
 貸款額高達HK$2,000,000或月薪20倍（以較低者為準），靈活還款期長達60個月
 借貸無須入息證明
 可提取已償還貸款額
 
], cons=[注意事項
   	最低收入要求：每年固定入息HK$80,000或以上
 	現金券的換領信會於推廣期結束後5個月內郵寄予合資格客戶，客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。
 額外獎將在合資格的客戶於2024年7月1日至2024年12月31日期間（「額外獎饋贈期」）以本行發出的適用信用卡（定義見第10a條文）簽賬，當交易顯示於DBS Card+的簽賬頁面時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。客戶可使用收到的額外獎經DBS Card+的「一扣即享」功能扣減交易的應付金額。
要收到額外獎，客戶必須：
 在2024年5月31日當日持有一張由本行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。就在2024年5月31日當日持有多於一張由本行發出有效的信用卡主卡的客戶而言，本行會按下列順序為其預設適用信用卡：
	現金券只適用於貸款戶口狀況良好及沒有逾期還款記錄（由銀行全權決定）的客戶
 	實際年利率乃按《銀行營運守則》的相關指引計算，並已被約至最接近的兩位小數。實際年利率是一個參考利率，以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還
 	受條款及細則約束。詳情請瀏覽星展銀行網頁
 	上述資料只供參考，最終批核的貸款利率、貸款額、手續費及還款期須按客戶個別的財政狀況而定
 	提早全數清還貸款需繳付有關費用，詳情請參閱私人分期貸款條款及細則。
 	借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=80000, description={shortDescription=HK$80,000, 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={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上或電話申請
2. 確認個人資料及申報債務
3. 信貸報告
4. 選擇貸款計劃
5. 選擇放款方式
6. 發放貸款
}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港身份證
2. 最近3個月的薪金證明
3. 住址證明（最近六個月內發出）
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width: 2.99401%;\">                 <p><strong>DBS現金券金額(還款期為 42/48/ 52/54/60 個月)</strong></p>             </td>             <td style=\"height: 35px; text-align: left; width: 2.99401%;\"><strong>額外</strong><br /><strong>「一扣即享」金額</strong></td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,500,000 或以上</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$7,700</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000,000 至 HK$1,499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$7,700</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500,000 至 HK$999,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300,000 至 HK$499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$100,000 至 HK$299,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>     </tbody> </table> <ul>     <li>經星展銀行(香港)有限公司的網頁及DBS Card+手機應用程式申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li> </ul>","<p>客戶完成以下條件，可獲高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡</p> <table style=\"height: 279px; width: 67.4718%;\">     <tbody>         <tr>             <td style=\"height: 50px; text-align: left; width: 3.20513%;\"><strong>貸款額</strong></td>             <td style=\"height: 50px; text-align: left; width: 8.53883%;\"><strong>MoneyHero獨家 全新客戶優惠</strong></td>             <td style=\"height: 50px; text-align: left; width: 17.5956%;\">                 <p><strong>MoneyHero獨家 現有客戶優惠</strong></p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$1,500,000 或以上</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$10,800 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$1,000,000 至 HK$1,499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$7,000 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$500,000 至 HK$999,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$300,000 至 HK$499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">HK$3,500 超市現金券 / Apple Store 禮品卡</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">HK$3,000 超市現金券 / Apple Store 禮品卡</td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$100,000 至 HK$299,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">HK$1,500 超市現金券 / Apple Store 禮品卡</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">HK$1,000 超市現金券 / Apple Store 禮品卡</td>         </tr>     </tbody> </table> <ul>     <li>經MoneyHero，或DBS Card+網頁成功申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li>     <li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/blt558576ec8d681e97/bltf854afc44671f187/65845dbc14672f7dd36f8305/MoneyHero_X_DBS_PIL_Jan_2024_TnC_v3.pdf\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.20%；實際年利率已計算2％手續費 <ul> <li>手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算，並在提取貸款時從貸款本金中扣除及不予退還。</li> </ul> </li> <li>貸款額高達HK$2,000,000或月薪20倍（以較低者為準），靈活還款期長達60個月</li> <li>借貸無須入息證明</li> <li>可提取已償還貸款額</li> </ul>"],"cons":["<p><strong>注意事項</strong></p>  <ul> \t<li>最低收入要求：每年固定入息HK$80,000或以上</li> \t<li>現金券的換領信會於推廣期結束後5個月內郵寄予合資格客戶，客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。</li> <li>額外獎將在合資格的客戶於2024年7月1日至2024年12月31日期間（「額外獎饋贈期」）以本行發出的適用信用卡（定義見第10a條文）簽賬，當交易顯示於DBS Card+的簽賬頁面時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。客戶可使用收到的額外獎經DBS Card+的「一扣即享」功能扣減交易的應付金額。</li><li>要收到額外獎，客戶必須：<br> 在2024年5月31日當日持有一張由本行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。就在2024年5月31日當日持有多於一張由本行發出有效的信用卡主卡的客戶而言，本行會按下列順序為其預設適用信用卡：</li>\t<li>現金券只適用於貸款戶口狀況良好及沒有逾期還款記錄（由銀行全權決定）的客戶</li> \t<li>實際年利率乃按《銀行營運守則》的相關指引計算，並已被約至最接近的兩位小數。實際年利率是一個參考利率，以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還</li> \t<li>受條款及細則約束。詳情請瀏覽星展銀行網頁</li> \t<li>上述資料只供參考，最終批核的貸款利率、貸款額、手續費及還款期須按客戶個別的財政狀況而定</li> \t<li>提早全數清還貸款需繳付有關費用，詳情請參閱私人分期貸款條款及細則。</li> \t<li>借定唔借？還得到先好借！</li> 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width: 2.99401%;\">                 <p><strong>DBS現金券金額(還款期為 42/48/ 52/54/60 個月)</strong></p>             </td>             <td style=\"height: 35px; text-align: left; width: 2.99401%;\"><strong>額外</strong><br /><strong>「一扣即享」金額</strong></td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,500,000 或以上</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$7,700</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000,000 至 HK$1,499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$7,700</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500,000 至 HK$999,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$3,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300,000 至 HK$499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$1,000</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>         <tr style=\"height: 35px;\">             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$100,000 至 HK$299,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$500</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 35px; text-align: left; width: 2.99401%;\">HK$300</td>         </tr>     </tbody> </table> <ul>     <li>經星展銀行(香港)有限公司的網頁及DBS Card+手機應用程式申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li> </ul>","<p>客戶完成以下條件，可獲高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡</p> <table style=\"height: 279px; width: 67.4718%;\">     <tbody>         <tr>             <td style=\"height: 50px; text-align: left; width: 3.20513%;\"><strong>貸款額</strong></td>             <td style=\"height: 50px; text-align: left; width: 8.53883%;\"><strong>MoneyHero獨家 全新客戶優惠</strong></td>             <td style=\"height: 50px; text-align: left; width: 17.5956%;\">                 <p><strong>MoneyHero獨家 現有客戶優惠</strong></p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$1,500,000 或以上</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$10,800 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$1,000,000 至 HK$1,499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$7,000 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$500,000 至 HK$999,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">                 <p>HK$5,500 超市現金券 / Apple Store 禮品卡</p>             </td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">                 <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p>             </td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$300,000 至 HK$499,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">HK$3,500 超市現金券 / Apple Store 禮品卡</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">HK$3,000 超市現金券 / Apple Store 禮品卡</td>         </tr>         <tr>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 3.20513%;\">HK$100,000 至 HK$299,999</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 8.53883%;\">HK$1,500 超市現金券 / Apple Store 禮品卡</td>             <td style=\"border-top: 1px solid #a9a9a9; height: 50px; text-align: left; width: 17.5956%;\">HK$1,000 超市現金券 / Apple Store 禮品卡</td>         </tr>     </tbody> </table> <ul>     <li>經MoneyHero，或DBS Card+網頁成功申請此貸款；</li>     <li>由2024年2月1日至29日（推廣期）：成功申請「星展定額私人貸款」；</li>     <li>2024年3月22日或之前：成功提取指定貸款額</li>     <li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/blt558576ec8d681e97/bltf854afc44671f187/65845dbc14672f7dd36f8305/MoneyHero_X_DBS_PIL_Jan_2024_TnC_v3.pdf\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.20%；實際年利率已計算2％手續費 <ul> <li>手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算，並在提取貸款時從貸款本金中扣除及不予退還。</li> </ul> </li> <li>貸款額高達HK$2,000,000或月薪20倍（以較低者為準），靈活還款期長達60個月</li> <li>借貸無須入息證明</li> <li>可提取已償還貸款額</li> </ul>"],"cons":["<p><strong>注意事項</strong></p>  <ul> \t<li>最低收入要求：每年固定入息HK$80,000或以上</li> \t<li>現金券的換領信會於推廣期結束後5個月內郵寄予合資格客戶，客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。</li> <li>額外獎將在合資格的客戶於2024年7月1日至2024年12月31日期間（「額外獎饋贈期」）以本行發出的適用信用卡（定義見第10a條文）簽賬，當交易顯示於DBS Card+的簽賬頁面時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。客戶可使用收到的額外獎經DBS Card+的「一扣即享」功能扣減交易的應付金額。</li><li>要收到額外獎，客戶必須：<br> 在2024年5月31日當日持有一張由本行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。就在2024年5月31日當日持有多於一張由本行發出有效的信用卡主卡的客戶而言，本行會按下列順序為其預設適用信用卡：</li>\t<li>現金券只適用於貸款戶口狀況良好及沒有逾期還款記錄（由銀行全權決定）的客戶</li> \t<li>實際年利率乃按《銀行營運守則》的相關指引計算，並已被約至最接近的兩位小數。實際年利率是一個參考利率，以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還</li> \t<li>受條款及細則約束。詳情請瀏覽星展銀行網頁</li> \t<li>上述資料只供參考，最終批核的貸款利率、貸款額、手續費及還款期須按客戶個別的財政狀況而定</li> \t<li>提早全數清還貸款需繳付有關費用，詳情請參閱私人分期貸款條款及細則。</li> \t<li>借定唔借？還得到先好借！</li> 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hs_created_at=1680234702790, hs_is_edited=false, hs_deleted_at=0, productname=星展銀行 稅季貸款, hs_name=, hs_updated_by_user_id=60412388}, id=64858475196, table_id=4701663, table_name=product_moneyhero})

滙豐分期「萬應錢」

最低實際年利率

2.47%

最高貸款額

HK$300萬/月薪23倍

手續費

申請優惠

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

Debug data (JSON)

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以下其中一項收入證明文件： 
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  實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。
 實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費
 個別貸款申請所需的實際審批時間可能有差異
 持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期
 客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。
 實際還款額以最終批核結果為準
 所有資料只供參考
 受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。
 借定唔借？還得到先好借！
 
"],"pros":["限時優惠 - 高達HK$8,888 現金回贈
   \t2023年12月14日至2024年1月30日期間，滙豐客戶成功申請滙豐分期「萬應錢」，可獲高達HK$8,888現金回贈：
 
   \t \t\t \t\t\t \t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t貸款金額 現金回贈 (只限12個月至24個月還款期) 現金回贈 (只限25個月至59個月還款期) 現金回贈 (只限60個月還款期) 遞交證明文件優惠現金回贈
HK$100,000 至 HK$299,999 HK$400 HK$1,000 HK$1,000 HK$300
HK$300,000 至 HK$999,999 HK$800 HK$2,000  HK$2,000
HK$1,000,000 至 HK$1,499,999 HK$1,500 HK$2,500 HK$2,500
HK$1,500,000 或以上 HK$2,500 HK$6,000 HK$8,888
 
   \t現金回贈金額將全數於2024年4月30日或之前存入貸款還款戶口
 
","限時優惠 - 高達$5,000「獎賞錢」
   \t2023年12月14日至2024年1月30日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：
 
   \t \t\t \t\t\t \t \t\t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t\t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t貸款金額 「獎賞錢」 (只限12個月至24個月還款期) 「獎賞錢」 (只限25個月至59個月還款期) 「獎賞錢」 (只限60個月還款期)
HK$100,000 至 $299,999 $400 $1,000 $1,000
HK$300,000 至 $999,999 $800 $2,000  $2,000
HK$1,000,000 至 $1,499,999 $1,500 $2,500 $2,500
HK$1,500,000 或以上 $2,000 $3,000 $5,000
 
   \t「獎賞錢」金額將全數於2024年4月30日或之前存入貸款還款戶口
 「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。
","產品特色
  實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費
 1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明
 最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準
 還款期靈活，自由選擇6個月至60個月
 設有30天冷靜期，豁免提早償還手續費
 可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手
 
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style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$2,500</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,500,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.1988%">HK$2,500</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$6,000</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$8,888</td>	</tr> 	</tbody> </table>  <ul> 	<li>現金回贈金額將全數於2024年4月30日或之前存入貸款還款戶口</li> </ul>, <p><strong>限時優惠 - 高達$5,000「獎賞錢」</strong></p>  <ul> 	<li>2023年12月14日至2024年1月30日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：</li> </ul>  <table style="height:126px; width:100%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:26.1364%"><strong>貸款金額</strong></td> 	<td style="height:36px; text-align:left; width:13.0682%"><strong>「獎賞錢」 (只限12個月至24個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:15.1988%"><strong>「獎賞錢」 (只限25個月至59個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:13.0682%"><strong>「獎賞錢」 (只限60個月還款期)</strong></td> 			</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$100,000 至 $299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$400</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$1,000</td> 		<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$1,000</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$300,000 至 $999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$800</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,000</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,000</td>		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,000,000 至 $1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$1,500</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,500</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,500</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,500,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.1988%">$2,000</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$3,000</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$5,000</td>	</tr> 	</tbody> </table>  <ul> 	<li>「獎賞錢」金額將全數於2024年4月30日或之前存入貸款還款戶口</li> <li>「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。</li></ul>, <p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費</li> <li>1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明</li> <li>最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準</li> <li>還款期靈活，自由選擇6個月至60個月</li> <li>設有30天冷靜期，豁免提早償還手續費</li> <li>可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手</li> </ul>], cons=[<p><strong>注意事項</strong></p> <ul> <li>實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。</li> <li>實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費</li> <li>個別貸款申請所需的實際審批時間可能有差異</li> <li>持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期</li> <li>客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。</li> <li>實際還款額以最終批核結果為準</li> <li>所有資料只供參考</li> <li>受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。</li> <li>借定唔借？還得到先好借！</li> </ul>]}, functional={metaData={alias=hsbc-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=1, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=13.64, eir=null, interestRate=0.63, fees=[]}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.29, eir=null, interestRate=0.63, fees=[]}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.58, eir=null, interestRate=0.63, fees=[]}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.56, eir=null, interestRate=0.62, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=5000.0, 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Debug data (Raw)


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interestRate=0.2, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=hsbc, providerName=HSBC 滙豐銀行}, description={shortDescription=[貸款額高達HK$3,000,000或月薪23倍。, 獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。]}, productName=滙豐 分期「萬應錢」, title=HK.PL.HSBC0001.PERSONALINSTALMENTLOAN, features={title=Features, pros=[限時優惠 - 高達HK$8,888 現金回贈
   	2023年12月14日至2024年1月30日期間，滙豐客戶成功申請滙豐分期「萬應錢」，可獲高達HK$8,888現金回贈：
 
   	 		 			貸款金額  	現金回贈 (只限12個月至24個月還款期)  			現金回贈 (只限25個月至59個月還款期)  			現金回贈 (只限60個月還款期)  			遞交證明文件優惠現金回贈  		
 		 			HK$100,000 至 HK$299,999  			HK$400  			HK$1,000  		HK$1,000 	HK$300  		
 		 			HK$300,000 至 HK$999,999  			HK$800  			HK$2,000  HK$2,000 		
 		 			HK$1,000,000 至 HK$1,499,999  			HK$1,500  			HK$2,500  	HK$2,500 	
 		 			HK$1,500,000 或以上  			HK$2,500  			HK$6,000  	HK$8,888 	
 	
 
   	現金回贈金額將全數於2024年4月30日或之前存入貸款還款戶口
 
, 限時優惠 - 高達$5,000「獎賞錢」
   	2023年12月14日至2024年1月30日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：
 
   	 		 			貸款金額  	「獎賞錢」 (只限12個月至24個月還款期)  			「獎賞錢」 (只限25個月至59個月還款期)  			「獎賞錢」 (只限60個月還款期)  			
 		 			HK$100,000 至 $299,999  			$400  			$1,000  		$1,000 	
 		 			HK$300,000 至 $999,999  			$800  			$2,000  $2,000 		
 		 			HK$1,000,000 至 $1,499,999  			$1,500  			$2,500  	$2,500 	
 		 			HK$1,500,000 或以上  			$2,000  			$3,000  	$5,000 	
 	
 
   	「獎賞錢」金額將全數於2024年4月30日或之前存入貸款還款戶口
 「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。
, 產品特色
  實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費
 1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明
 最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準
 還款期靈活，自由選擇6個月至60個月
 設有30天冷靜期，豁免提早償還手續費
 可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手
 
], cons=[注意事項
  實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。
 實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費
 個別貸款申請所需的實際審批時間可能有差異
 持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期
 客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。
 實際還款額以最終批核結果為準
 所有資料只供參考
 受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=, longDescription=18歲, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=60000, description={shortDescription=每年收入HK$60,000或以上, longDescription=每年收入HK$60,000或以上, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上（只適用於匯豐現有客戶）或電話申請

2. 上載文件

3. 等待批核結果

4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=香港身份證（滙豐現有客戶除外）；或工作簽証/受聘合約/受聘文件列明受聘年期（只適用於非持有香港永久性居民身份證之申請者） 
以下其中一項收入證明文件： 
甲、過去一個月（非固定收入申請人**則須提交過去三個月）的銀行月結單或存摺，明確列出每月薪金收入之進賬； 或
乙、顯示過去一個月（非固定收入申請人**則須提交過去三個月）入息存款的銀行月結單或存摺及以下其中一項：最近三個月內發出的發薪單據或最近三個月內發出的有效受聘證明文件以確定申請人職銜/收入信息或最近一年的評稅通知書

於申請貸款時最近一個月（非固定收入申請人**則須提交過去三個月）經滙豐自動轉賬支薪的滙豐現有客戶，申請時毋須提交入息證明。但本行保留隨時要求客戶提供有關證明文件的權利。 

**非固定收入申請人包括以兼職、佣金或利潤分享為收入的客戶。}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=13.64, eir=null, interestRate=0.63, fees=[], transferRate=null}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.29, eir=null, interestRate=0.63, fees=[], transferRate=null}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.58, eir=null, interestRate=0.63, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.56, eir=null, interestRate=0.62, fees=[], transferRate=null}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.59, eir=null, interestRate=0.62, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, 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style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 $999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 $1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; 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style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">HK$2,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$6,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; 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style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 $999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 $1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">$2,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$3,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$5,000</td>\t</tr> \t</tbody> </table>  <ul> \t<li>「獎賞錢」金額將全數於2024年4月30日或之前存入貸款還款戶口</li> <li>「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。</li></ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費</li> <li>1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明</li> <li>最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準</li> <li>還款期靈活，自由選擇6個月至60個月</li> <li>設有30天冷靜期，豁免提早償還手續費</li> <li>可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。</li> <li>實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費</li> <li>個別貸款申請所需的實際審批時間可能有差異</li> <li>持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期</li> <li>客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。</li> <li>實際還款額以最終批核結果為準</li> <li>所有資料只供參考</li> <li>受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。</li> <li>借定唔借？還得到先好借！</li> 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或<br>乙、顯示過去一個月（非固定收入申請人**則須提交過去三個月）入息存款的銀行月結單或存摺及以下其中一項：最近三個月內發出的發薪單據或最近三個月內發出的有效受聘證明文件以確定申請人職銜/收入信息或最近一年的評稅通知書<br><br>於申請貸款時最近一個月（非固定收入申請人**則須提交過去三個月）經滙豐自動轉賬支薪的滙豐現有客戶，申請時毋須提交入息證明。但本行保留隨時要求客戶提供有關證明文件的權利。 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貸款額	MoneyHero獨家獎賞
HK$1,500,000 或以上	\t\t\t \t\t\t\t HK$7,000 Apple Store 禮品卡 / 超市現金券 \t 11吋 iPad Pro Wi-Fi 256GB (價值HK$7,299) \t\t \t\t\t
HK$800,000 至 HK$1,499,999	\t\t\t \t\t\t\t HK$6,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$400,000 至 HK$799,999	\t\t\t \t\t\t\t HK$4,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$100,000 至 HK$399,999	\t\t\t \t\t\t\t Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶)(價值HK$3,199) HK$3,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t

貸款金額	MoneyHero加碼獨家優惠：
HK$800,000 或以上	\t\t\t \t\t\t\t iPhone 15 Pro 256GB (價值HK$9,399); 或 \t\t\t\t HK$8,800 Apple Store 禮品卡; 或 \t\t\t\t HK$8,800 惠康購物現金券 \t\t\t \t\t\t
HK$500,000 - HK$799,999	\t\t\t \t\t\t\t SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或 \t\t\t\t HK$7,000 Apple Store 禮品卡; 或 \t\t\t\t HK$7,000 惠康購物現金券 \t\t\t \t\t\t
HK$300,000 - HK$499,999	\t\t\t \t\t\t\t Dyson V12s Detect Slim Submarine™ 乾濕全能洗地吸塵機 (價值HK$6,180) ; 或 \t\t\t\t HK$5,500 Apple Store 禮品卡; 或 \t\t\t\t HK$5,500 惠康購物現金券 \t\t\t \t\t\t
HK$200,000 - HK$299,999	\t\t\t \t\t\t\t Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼；運動錶帶）(價值HK$3,199); 或 \t\t\t\t HK$3,000 Apple Store 禮品卡 \t\t\t\t HK$3,000 惠康購物現金券 \t\t\t \t\t\t

得獎者名額	\t\t\t 獎品 \t\t\t
第1 - 10位得獎者	\t\t\t 128,000「亞洲萬里通」里數 (「大獎」) \t\t\t
\t\t\t 第11 - 20位得獎者 \t\t\t	\t\t\t HK$2,000 Expedia電子旅遊禮券 (“旅遊禮券”) \t\t\t

【小子投資筆記】借稅貸指南

(一) 高薪人士

(二) 投資賺息差

(三) 新債還舊債

(四) 進修支付學費

銀行稅貸2024比較

最低實際年利率

獎賞

取得最低息條件

信銀國際 $mart Plus稅季貸款

最低實際年利率

最高貸款額

手續費

申請優惠

渣打銀行税季私人貸款

最低實際年利率

最高貸款額

手續費

申請優惠

建行(亞洲) 「好現金」私人分期貸款

最低實際年利率

最高貸款額

手續費

申請優惠

富邦「合您意」私人貸款

最低實際年利率

最高貸款額

手續費

申請優惠

星展銀行稅季貸款

最低實際年利率

最高貸款額

手續費

申請優惠

滙豐分期「萬應錢」

最低實際年利率

最高貸款額

手續費

申請優惠

相關文章：【交稅優惠】信用卡交稅優惠賺現金回贈攻略

貸款金額	基本現金回贈 (還款期達12個月)	基本現金回贈 (還款期達24個月或以上)	額外現金回贈 (全新客戶及現有本行之自動轉賬出糧服務客戶及還款期達36個月或以上)
HK$1,500,000 或以上	HK$3,500	HK$7,000	HK$1,000
HK$600,000 - HK$1,499,999	HK$1,500	HK$3,000	HK$1,000
HK$500,000 - HK$599,999	HK$1,000	HK$2,000	HK$1,000
HK$200,000 - HK$499,999	HK$1,000	HK$2,000	HK$1,000
HK$50,000 - HK$199,999	HK$500	HK$500	HK$1,000

得獎者名額	獎品
第1 - 10位得獎者	128,000「亞洲萬里通」里數 (「大獎」)
第11 - 20位得獎者	HK$2,000 Expedia電子旅遊禮券 (“旅遊禮券”)

貸款金額	現金回贈 (只限24個月還款期)	現金回贈 (只限36個月或以上還款期)	下午3時前遞交網上申請優惠現金回贈
HK$100,001 至 HK$399,999	提取貸款額之1%（約至整數）	提取貸款額之1%（約至整數）	HK$500
HK$400,000 至 HK$2,999,999	HK$4,000	HK$4,000
HK$3,000,000	HK$4,000	HK$8,000

貸款額	Apple Store 禮品卡或惠康現金券
HK$1,000,000或以上	HK$7,000
HK$500,000 - HK$999,999	HK$6,000
HK$300,000 - HK$499,999	HK$6,000
HK$150,000 - HK$299,999	HK$2,500
HK$50,000 - HK$149,999	HK$2,000

貸款額	超市現金券
HK$1,000,000 或以上	HK$4,800
HK$500,000 至 HK$999,999	HK$2,500
HK$200,000 至 HK$499,999	HK$1,200
HK$100,000 至 HK$199,999	HK$500

貸款額	DBS現金券金額(還款期為12 /18/24/ 30/36個月)	DBS現金券金額(還款期為 42/48/ 52/54/60 個月)	額外「一扣即享」金額
HK$1,500,000 或以上	HK$3,000	HK$7,700	HK$300
HK$1,000,000 至 HK$1,499,999	HK$3,000	HK$7,700	HK$300
HK$500,000 至 HK$999,999	HK$1,000	HK$3,000	HK$300
HK$300,000 至 HK$499,999	HK$1,000	HK$1,000	HK$300
HK$100,000 至 HK$299,999	HK$500	HK$500	HK$300

貸款額	MoneyHero獨家全新客戶優惠	MoneyHero獨家現有客戶優惠
HK$1,500,000 或以上	HK$10,800 超市現金券 / Apple Store 禮品卡	HK$8,000 超市現金券 / Apple Store 禮品卡
HK$1,000,000 至 HK$1,499,999	HK$7,000 超市現金券 / Apple Store 禮品卡	HK$5,500 超市現金券 / Apple Store 禮品卡
HK$500,000 至 HK$999,999	HK$5,500 超市現金券 / Apple Store 禮品卡	HK$4,500 超市現金券 / Apple Store 禮品卡
HK$300,000 至 HK$499,999	HK$3,500 超市現金券 / Apple Store 禮品卡	HK$3,000 超市現金券 / Apple Store 禮品卡
HK$100,000 至 HK$299,999	HK$1,500 超市現金券 / Apple Store 禮品卡	HK$1,000 超市現金券 / Apple Store 禮品卡

貸款金額	現金回贈 (只限12個月至24個月還款期)	現金回贈 (只限25個月至59個月還款期)	現金回贈 (只限60個月還款期)	遞交證明文件優惠現金回贈
HK$100,000 至 HK$299,999	HK$400	HK$1,000	HK$1,000	HK$300
HK$300,000 至 HK$999,999	HK$800	HK$2,000	HK$2,000
HK$1,000,000 至 HK$1,499,999	HK$1,500	HK$2,500	HK$2,500
HK$1,500,000 或以上	HK$2,500	HK$6,000	HK$8,888

貸款金額	「獎賞錢」 (只限12個月至24個月還款期)	「獎賞錢」 (只限25個月至59個月還款期)	「獎賞錢」 (只限60個月還款期)
HK$100,000 至 $299,999	$400	$1,000	$1,000
HK$300,000 至 $999,999	$800	$2,000	$2,000
HK$1,000,000 至 $1,499,999	$1,500	$2,500	$2,500
HK$1,500,000 或以上	$2,000	$3,000	$5,000

【小子投資筆記】借稅貸指南

(一) 高薪人士

(二) 投資賺息差

(三) 新債還舊債

(四) 進修支付學費

銀行稅貸2024比較

最低實際年利率

獎賞

取得最低息條件

信銀國際 $mart Plus稅季貸款

最低實際年利率

最高貸款額

手續費

申請優惠

渣打銀行 税季私人貸款

最低實際年利率

最高貸款額

手續費

申請優惠

建行(亞洲) 「好現金」私人分期貸款

最低實際年利率

最高貸款額

手續費

申請優惠

富邦「合您意」私人貸款

最低實際年利率

最高貸款額

手續費

申請優惠

星展銀行 稅季貸款

最低實際年利率

最高貸款額

手續費

申請優惠

滙豐 分期「萬應錢」

最低實際年利率

最高貸款額

手續費

申請優惠

相關文章：【交稅優惠】信用卡交稅優惠賺現金回贈攻略

渣打銀行税季私人貸款

星展銀行稅季貸款

滙豐分期「萬應錢」