【急借錢】比較市面全部特快批核私人貸款種類及易批即批貸款

邦民特快低息貸款
：最快即時初步批核，即時經轉數快過數，貸款HK$10萬以下可免證明文件
安信定額私人貸款
：10分鐘特快批核，最快一小時過數，HK$10萬以下免證明文件
UA「NO SHOW」免文件私人貸款
：無需遞交任何證明文件，包括身份證、入息證明及住址證明
WeLend私人貸款
：AI即時批核，HK$30萬以下免證明文件

其他貸款比較：稅務貸款｜免入息貸款｜免TU貸款｜網上貸款｜低息貸款｜24小時貸款｜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

特快批核貸款的特點

24小時接受申請

貸款要快，當然不能受太多時間和地點的限制，特快貸款可經網上或手機應用程式申請，不用等到營業時間才親身到銀行或財務公司的門市，部分特快貸款星期六日都可網上申請，適合放工後才有時間申請貸款的打工仔。

文件要求簡單

與普通私人貸款相比，部分特快貸款的文件要求較簡單，如無需入息證明或住址證明等文件，省卻尋找各類證明文件的時間和麻煩，讓貸款人可及早遞交貸款申請，盡早獲得應急資金。

特快批核

不少貸款計劃都以AI和大數據等科技來審批貸款申請，免卻傳統財務機構以人手審批每個貸款個案、查閱文件、計算報價等手續和時間，特快貸款可做到最快數小時甚至數分鐘內已有初步批核結果和報價。

特快過數

申請人獲得批核結果並確認貸款後，財務機構可即時經轉數快轉賬至貸款人的指定銀行戶口，貸款人可更快獲得資金。

急借錢？邊種私人貸款最快批核及過數?

何謂最好的「特快私人貸款」？除了「快」，貸款利率、貸款額、還款年期以及有沒有隱藏收費都是考慮因素。

不論虛擬銀行、傳統銀行或財務公司，只需經網上平台申請並上載文件即可完成申請程序，賣點包括全程網上辦妥毋須現身、網上簽約、AI批核不經人手、申請貸款不受辦公時間所限、即時批核、即時過數貸款等。不過成功申請貸款後，仍然需要進行貸款審批，即查閱每位貸款人的信貸資料庫，來釐定貸款額及貸款實際年利率，最終批出的貸款利率要視乎TU信貸評級和還款記錄等而定。

虛擬銀行

不少虛擬銀行如Mox、天星銀行Airstar、livi bank等都標榜特快批核，如天星銀行可24 x 7接受貸款申請，由申請至貸款過數最快5分鐘完成，Mox即時借可在App內即時批核及過數，無需遞交額外文件。

利率方面，天星銀行貸款HK$80萬及還款期12個月，實際年利率為1.58%，比起目前一般銀行小額貸款約4%至6%的貸款利率低。Mox的「即時借」雖然是私人貸款，但操作則似循環貸款，貸款額按Mox Credit戶口內可用的信用額度而定。此外，與傳統銀行相比，虛擬銀行可在小額貸款上提供較低利率。部分虛銀亦推出「還款假期」供借款人申請，增加資金周轉空間。

傳統銀行

現時不少傳統銀行都設有特快批核服務，如花旗銀行Citi特快現金可即日批核，現金即日到手，渣打分期貸款亦會安排專人於當天跟進貸款申請（適用於中午前遞交網上申請的貸款）。

傳統銀行亦在最高貸款額方面較有優勢，可高達HK$300萬至HK$400萬，與虛擬銀行的最高貸款額HK$100萬，以及財務公司普遍最高貸款額數十萬相比，傳統銀行較適合大額借貸。

財務公司

一般來說，財務公司貸款與銀行貸款最大分別在於貸款申請門檻及利息。財務公司通常借貸要求較寬鬆，貸款手續相對簡單，但代價就是承受較高息率，部份免證明文件貸款息率更逾10%。現時提供特快私人貸款的財務公司包括邦民、安信、UA聯合亞洲財務、WeLend等等。

還款安排方面，一般而言財務公司比較有彈性，可以選擇按日計息，還款期亦會較長，可攤長還。

延伸閱讀：【免息免供】市面設還款假期私人貸款大檢閱＋條款拆解

私人貸款	最快批核時間	最快過數時間^	申請文件要求
邦民特快私人貸款	即時初步批核	即時經轉數快過數	貸款HK$10萬以下只需身份證及手提電話
安信定額私人貸款	即時批核	即時經轉數快過數	身份證、入息證明貸款HK10萬或以下毋須入息證明
WeLend 私人貸款	AI即時批核	即時經轉數快過數	貸款額HK$30萬或以下毋須入息證明及住址證明
CreFIT 卡卡貸	最快3分鐘	即時經轉數快過數	身份證及最近1個月信用卡月結單，免入息證明文件
Mox 「即時借」	3分鐘	3分鐘	無需額外文件
天星銀行Airstar 私人分期貸款	5分鐘	5分鐘	可無須入息證明及住址證明
信銀國際 $mart Plus稅季貸款	1分鐘初步批核	即日	身份證、入息證明、銀行戶口證明、住址證明
Grantit 免TU稅季貸款	15分鐘	28分鐘	身份證、住址證明及銀行月結單
Citi 稅季貸款	即日	即日	身份證、入息證明、銀行戶口證明、住址證明
星展銀行定額私人貸款	即日	即日	現有客戶只需身份證（銀行或要求客戶提供額外文件）
UA i-Money 特快網上私人貸款	即日跟進	即時經轉數快過數	身份證、入息證明文件、工作證明文件和現居住址證明
渣打銀行税季私人貸款	即日跟進	未有列明	身份證、地址證明、最近一個月糧單、銀行月結單/存摺紀錄
AEON 「貸靈活」私人貸款	未有列明	即時經轉數快過數	身份證、收入證明，住址證明

私人貸款	最低實際年利率	最高貸款額	還款期
邦民特快私人貸款	1.12 %	HK$90萬	3 - 84個月
WeLend 私人貸款	1.18 %	HK$150萬	14日 - 60個月
安信定額私人貸款	1.18 %	HK$80萬	3 - 60個月
天星銀行Airstar 私人分期貸款	1.58 %	HK$100萬	3 - 60個月
信銀國際 $mart Plus稅季貸款	1.65 %	HK$200萬	6 - 60個月
UA i-Money 特快網上私人貸款	1.68 %	HK$50萬	3 - 60個月
Citi 稅季貸款	1.78 %	HK$350萬	6 - 60個月
渣打銀行税季私人貸款	1.85 %	HK$250萬	12 - 60個月
星展銀行定額私人貸款	2.2%	HK$200萬	12 - 60個月
Grantit 免TU稅季貸款	4.2 %	HK$12萬	1 - 36個月
Mox 「即時借」	4.53%	視乎Mox Credit信用限額	3 - 60個月
AEON 「貸靈活」私人貸款	4.65 %	HK$100萬	6 - 48個月

Debug data


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Debug data


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opacity=100, rgba=rgba(154, 111, 191, 1), rgb=rgb(154, 111, 191), hex=#9a6fbf, css=#9a6fbf}, text=Popular}, time_limited={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=Time Limited}, time_limited_countdown={background={color=#FEF1F1, opacity=100, rgba=rgba(254, 241, 241, 1), rgb=rgb(254, 241, 241), hex=#FEF1F1, css=#FEF1F1}, color={color=#DC2828, opacity=100, rgba=rgba(220, 40, 40, 1), rgb=rgb(220, 40, 40), hex=#DC2828, css=#DC2828}, text=}, best_value={background={color=#EBFEFF, opacity=100, rgba=rgba(235, 254, 255, 1), rgb=rgb(235, 254, 255), hex=#EBFEFF, css=#EBFEFF}, color={color=#088EAF, opacity=100, rgba=rgba(8, 142, 175, 1), rgb=rgb(8, 142, 175), hex=#088EAF, css=#088EAF}, text=Best Value}}, product_moneyhero={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, 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沒有證明文件可以申請特快批核私人貸款嗎？

一般而言，銀行不會接受沒有收入證明文件的貸款申請，因應「新私人貸款組合」出現，已有部份銀行放寬有關要求。財務公司則較有彈性，即使沒有糧單及住址證明，部分財務公司可按個別情況或貸款額豁免申請人提交證明文件，只需遞交身份證，證明已年滿18歲並為香港居民，以及提交銀行戶口資料作身份核實用途即可。

市面亦有部份貸款專為自由工作者、家庭主婦、大專生等沒有收入證明的人士而設，但需留意利率一般較高，且還款期短，一旦遲還款罰息亦相當高昂。還得到，先好借！

延伸閱讀：【免入息證明貸款】銀行及財務公司貸款比較
延伸閱讀：【免TU】財務公司免信貸報告貸款

申請特快或即批貸款前的注意事項

申請特快貸款前，要謹慎選擇正規財務機構。銀行受金管局《銀行業條例》監管，而俗稱「財仔」的財務公司則受到《放債人條列》監管。機構要取得放債人牌照的過程十分嚴格，當局會考慮多種因素方會發牌。

留意財務公司是否持有放債人牌照

如你想知道某一財務公司是否合法，可留意其是否有提供放債人牌照編號，並到公司註冊處網站查詢放債人牌照持牌人名單。一旦發現放債人牌照已過期、牌照申請遭駁回或撤回，就不宜向此貸款機構借錢。另外，亦謹記：「咪畀錢中介」

延伸閱讀：【真人真事】拆解不良財務中介陷阱

特快批核貸款比傳統貸款更方便快捷，而且貸款利息低又免罰息，大大減輕財政負擔！不過想享受即時批核貸款服務，就要記得留意有關機構嘅借貸條款及細則，小心選擇！

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

Citi 稅季貸款

最低實際年利率

1.78

手續費

最高貸款額

HK$350萬 / 月薪12倍

獎勵

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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 優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶
 現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址
 每位合資格客戶於推廣期內只可享獎賞1次
 「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異
 實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費
 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30日下午6時至1月2日下午6時，成功經MoneyHero申請，並於1月2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
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","【MoneyHero獨家優惠】
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 \t
 \t
 
   \t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\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 MoneyHero獨家獎賞
HK$800,000 或 以上  \t\t\t \t\t\t\tiPhone 15 Pro Max 256GB (價值HK$10,199)
 \t\t\t\tHK$10,000 Apple Store 禮品卡 / 超市現金券
 \t\t\t
 \t\t\t
HK$500,000 至 HK$799,999  \t\t\t \t\t\t\tSAMSUNG 55" QLED 4K Q60C TV (價值HK$8,980)
 \t\t\t\tHK$7,000 Apple Store 禮品卡 / 超市現金券
 \t\t\t
 \t\t\t
HK$300,000 至 HK$499,999  \t\t\t \t\t\t\tSonos Sub Gen 3無線超低音喇叭 (價值HK$6,999)
 \t\t\t\tHK$6,000 Apple Store 禮品卡 / 超市現金券
 \t\t\t
 \t\t\t
HK$200,000 至 HK$299,999  \t\t\t \t\t\t\tDyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)
 \t\t\t\tHK$5,000 Apple Store 禮品卡 / 超市現金券
 \t\t\t
 \t\t\t
HK$100,000 至 HK$199,999  \t\t\t \t\t\t\tSONY HT-AX7 可攜式影院系統 (價值HK$4,290)
 \t\t\t\tHK$4,000 Apple Store 禮品卡 / 超市現金券
 \t\t\t
 \t\t\t
 
   \t所有獨家優惠均以顏色隨機形式發放
 \t如欲了解優惠詳情，請參閱條款及細則
 
","【Citi迎新優惠】高達HK$8,000現金券
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   \t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t
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花旗私人客戶/Citigold客戶/
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 \t\t\t之持有人 其他客戶 花旗私人客戶/Citigold客戶/
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 \t\t\t之持有人 其他客戶
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HK$800,000 至 HK$1,499,999  \t\t\tHK$2,500
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 \t\t\t HK$2,500
HK$400,000 至 HK$799,999  \t\t\tHK$1,500
 \t\t\t  \t\t\tHK$1,000
 \t\t\t  \t\t\tHK$2,000
 \t\t\t HK$1,500
HK$100,000 至 HK$399,999  \t\t\tHK$500
 \t\t\t  \t\t\tHK$400
 \t\t\t HK$700  \t\t\tHK$600
 \t\t\t
 
   \t現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。
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","產品特色
  貸款即日批核，現金即日到手
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靈活還款期，無隱藏條款
貸款即日批核，現金即日到手
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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$800,000 或 以上</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>iPhone 15 Pro Max 256GB (價值HK$10,199)</li> 				<li>HK$10,000 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$500,000 至 HK$799,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> 				<li>HK$7,000 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$300,000 至 HK$499,999</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:29.1193%"> 			<ul> 				<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> 				<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; height:50px; text-align:left; width:17.8977%">HK$200,000 至 HK$299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> 				<li>HK$5,000 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$199,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%"> 			<ul> 				<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> 				<li>HK$4,000 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-citi-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li> </ul>, <p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年1月14日或之前提取貸款，可獲高達HK$8,000現金券：</p>  <table style="height:312px; width:100%"> 	<tbody> 		<tr> 			<td rowspan="2" style="height:18px; text-align:left; width:22.671%"><br /> 			<strong>貸款額</strong></td> 			<td colspan="2" style="height:18px; text-align:left; width:32.8785%"><strong>還款期長達24個月或以下</strong></td> 			<td colspan="2" style="height:18px; text-align:left; width:36.4992%"><strong>還款期長達24個月以上</strong></td> 		</tr> 		<tr> 			<td style="height:50px; text-align:left; width:16.7304%"><strong>花旗私人客戶/Citigold客戶/<br /> 			Citi ULTIMA卡<br /> 			之持有人</strong></td> 			<td style="height:50px; text-align:left; width:16.1481%"><strong>其他客戶</strong></td> 			<td style="height:50px; text-align:left; width:16.885%"><strong>花旗私人客戶/Citigold客戶/</strong><br /> 			<strong>Citi ULTIMA卡</strong><br /> 			<strong>之持有人</strong></td> 			<td style="height:50px; text-align:left; width:19.6142%"><strong>其他客戶</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%">HK$1,500,000 或 以上</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%"> 			<p>HK$4,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%"> 			<p>HK$2,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%">HK$8,000</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%">HK$4,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%">HK$800,000 至 HK$1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%"> 			<p>HK$2,500</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%">HK$1,500</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%"> 			<p>HK$4,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%">HK$2,500</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%">HK$400,000 至 HK$799,999</td> 			<td style="border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%"> 			<p>HK$1,500</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%"> 			<p>HK$1,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%"> 			<p>HK$2,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%">HK$1,500</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%">HK$100,000 至 HK$399,999</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%"> 			<p>HK$500</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%"> 			<p>HK$400</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%">HK$700</td> 			<td style="border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%"> 			<p>HK$600</p> 			</td> 		</tr> 	</tbody> </table>  <ul> 	<li>現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> 	<li>如欲了解優惠詳情，請參閱<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf">條款及細則</a></li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>, <em><span style="text-decoration: underline;">為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</span></em><br />MoneyHero貸款專家：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法" ga-category="personal-loan" ga-action="product panel - clicked" ga-label="/rp/7th/citibank/tax" target="_blank">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>, 有關全城最高獨家優惠保證，請參閱<a href = "https://moneyhero.link/best-rebate-campaign-tnc">條款及細則</a>], cons=[<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=<p>18歲</p>, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})

Debug data (Raw)


    {__typename=PersonalLoan, id=blta5a95a9d04561cff_23_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png, description=null, dimension=null}, featured=true, imageOrientation=LANDSCAPE, promotional={bannerText=【1月2日截止】經MoneryHero申請，不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券，成功提取私人貸款可尊享iPhone 15 Pro Max 256GB / 高達HK$10,000 Apple Store 禮品卡 / 超市現金券；總獎賞高達HK$10,199 + HK$8,000 + HK$800 = HK$18,999
靈活還款期，無隱藏條款
貸款即日批核，現金即日到手
🥇【全城最高優惠保證】保證MoneyHero獨家優惠比其他平台高，如果你成功經MoneyHero申請後發現其他平台有更高優惠，可以申請以現金券形式補回差額！即睇詳情【推薦人獎上獎活動】成功申請後，只要你每推薦一位新客戶成功申請指定金融產品，你同被推薦人每人可以賺高達HK$200 超市現金券！推薦不設上限，成功推薦親友越多，獎賞越多！推廣期內推薦3位新客戶，額外送多HK$300; 推薦5位以上，額外送多HK$600！即睇詳情, bannerImage={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt4789adf488812cfc/654a0f96b3460c040a0b02db/20231106-_PL_-Citi-Nov-2023-Campaign-D-PJ23_0761-Campaign_Static-Banner_CN_OP.jpg, description=null, dimension=null}, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=411520000, displayValue=411,520, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=11431111, displayValue=11,431, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1780, displayValue=1.78, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaNWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS10YXgtbG9hbi16aC1yZXN1bHRwYWdl.8GLID3gTNpy-x3BOffN6qZ15HhyyQmtp_571TsTkswXnHLDJIFuarnz06BP-812vJbUFjXiCcYKry704qF6dDg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=citi-tax-season-loan}, rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=citibank, providerName=花旗銀行}, description={shortDescription=[【特快批核】實際年利率低至1.78%，以月平息0.08%、貸款額HK$3,500,000及還款期12個月計算, 其他貸款額及還款期的實際年利率，以實際批核結果為準]}, productName=Citi 稅季貸款, title=HK.PL.CITI0004.TAXSEASONLOAN, features={title=Features, pros=[【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30日下午6時至1月2日下午6時，成功經MoneyHero申請，並於1月2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： 	 		2023年11月30日下午6時至2024年1月2日下午6時期間經MoneyHero成功申請Citi 稅季貸款或Citi 卡數結餘轉戶，
 		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$800,000 或 以上  			 			 				iPhone 15 Pro Max 256GB (價值HK$10,199)
 				HK$10,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$500,000 至 HK$799,999  			 			 				SAMSUNG 55" QLED 4K Q60C TV (價值HK$8,980)
 				HK$7,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$300,000 至 HK$499,999  			 			 				Sonos Sub Gen 3無線超低音喇叭 (價值HK$6,999)
 				HK$6,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$200,000 至 HK$299,999  			 			 				Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)
 				HK$5,000 Apple Store 禮品卡 / 超市現金券
 			
 			  		
 		 			HK$100,000 至 HK$199,999  			 			 				SONY HT-AX7 可攜式影院系統 (價值HK$4,290)
 				HK$4,000 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
 
, 【Citi迎新優惠】高達HK$8,000現金券
 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年1月14日或之前提取貸款，可獲高達HK$8,000現金券：
   	 		 			
 			貸款額  			還款期長達24個月或以下  			還款期長達24個月以上  		
 		 			花旗私人客戶/Citigold客戶/
 			Citi ULTIMA卡
 			之持有人  			其他客戶  			花旗私人客戶/Citigold客戶/
 			Citi ULTIMA卡
 			之持有人  			其他客戶  		
 		 			HK$1,500,000 或 以上  			 			HK$4,000
 			  			 			HK$2,000
 			  			HK$8,000  			HK$4,000  		
 		 			HK$800,000 至 HK$1,499,999  			 			HK$2,500
 			  			HK$1,500  			 			HK$4,000
 			  			HK$2,500  		
 		 			HK$400,000 至 HK$799,999  			 			HK$1,500
 			  			 			HK$1,000
 			  			 			HK$2,000
 			  			HK$1,500  		
 		 			HK$100,000 至 HK$399,999  			 			HK$500
 			  			 			HK$400
 			  			HK$700  			 			HK$600
 			  		
 	
 
   	現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。
 	如欲了解優惠詳情，請參閱條款及細則
 
, 產品特色
  貸款即日批核，現金即日到手
 Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準
 還款期長達60個月，HK$0手續費
 無隱藏條款
 
, 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
  Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準
 客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞：  花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡
 
 
 優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶
 現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址
 每位合資格客戶於推廣期內只可享獎賞1次
 「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異
 實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=18歲, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

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稅季貸款","title":"HK.PL.CITI0004.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p>  <ul> \t<li><strong>限時優惠</strong>：2023年11月30日下午6時至1月2日下午6時，成功經MoneyHero申請，並於1月2日或之前向銀行交齊所有文件，不論貸款額及是否獲批核，可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24874727402137\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p>  <ul> \t<li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： \t<ul> \t\t<li>2023年11月30日下午6時至2024年1月2日下午6時期間經MoneyHero成功申請Citi 稅季貸款或Citi 卡數結餘轉戶，</li> \t\t<li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> \t</ul> \t</li> </ul>  <table style=\"height:250px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:17.8977%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:29.1193%\"><strong>MoneyHero獨家獎賞</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro Max 256GB (價值HK$10,199)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年1月14日或之前提取貸款，可獲高達HK$8,000現金券：</p>  <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","有關全城最高獨家優惠保證，請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=Citi 稅季貸款, hs_name=, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, static_text={cta_button_label=官網申請, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, rewards=獎勵, yes=Yes, no=No, day=Day, days=Days}, product_singsaver={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, tabs={eligibility={heading=申請資格, show=true, expanded=false, order_sequence=1, text=Eligibility}, features={expanded=true, heading=產品特色, show=true, order_sequence=1}, fees={expanded=false, heading=實際年利率及費用, labels={account_opening_fee=, fee_amount=, inactivity_fee=, minimum_commission=, minimum_trading_fee=, withdrawal_fee=, fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}, show=false, order_sequence=1}, promotions_terms_and_conditions={additional_offer= , exclusive_offer=MoneyHero獨家迎新禮品, heading=推廣優惠/迎新禮品, welcome_offer= , show=true, expanded=false, order_sequence=1}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, basic_benefit={show=true, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, enhanced_benefit={show=true, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={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}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, 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}}}, type=module, promotional={display_within_collapsible=false, show_banner=true, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}})


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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$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro Max 256GB (價值HK$10,199)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶，並於2024年1月14日或之前提取貸款，可獲高達HK$8,000現金券：</p>  <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒？有什麼解決方法？立即了解提升貸款成功率！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","有關全城最高獨家優惠保證，請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$3,500,000及還款期12個月計算，並適用於持有Citi ULTIMA之花旗私人客戶；實際年利率是一個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=Citi 稅季貸款, hs_name=, hs_updated_by_user_id=60412388}})

WeLend 私人貸款

最低實際年利率

1.18

手續費

最高貸款額

HK$150萬

獎勵

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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  以上利率及還款資料僅供參考  最終須按客戶之申請資料及個人信貸紀錄而定；
 WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權
 
 
 忠告：借錢梗要還，咪俾錢中介
查詢及投訴熱線：3590 6396
放債人牌照號碼：0958/2023
 
"],"pros":["WeScore信貸新指標 WeLend 4億組數據助你信貸健康!","【MoneyHero 獨家優惠】HK$500 Apple Store 禮品卡 或 惠康現金券

 \t由2023年10月13日中午12時至2023年12月31日下午6時（包括首尾兩日），經MoneyHero申請WeLend私人貸款，無論成功與否都可獲HK$500 Apple Store 禮品卡 或 惠康現金券。
如欲了解優惠詳情，請參閱條款及細則
","【MoneyHero 獨家優惠】額外高達HK$8,200現金回贈
   \t由2023年10月4日至2023年12月31日（包括首尾兩日），經MoneyHero成功申請並提取WeLend私人貸款，可享MoneyHero獨家現金回贈及WeLend迎新現金回贈總計高達$19,000 。
 
   \t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t提取之貸款金額 還款期  \t\t\tWeLend現金獎
 \t\t\t MoneyHero獨家現金回贈  \t\t\t總現金獎
 \t\t\t
HK$100,001 至 HK$200,000 24個月或以上 HK$2,800 N/A HK$2,800
HK$200,001 至 HK$300,000 HK$3,800 HK$3,800 HK$7,600
HK$300,001 至 HK$400,000 HK$4,800 HK$3,800 HK$8,600
HK$400,001 至 HK$500,000 HK$5,800 HK$5,000 HK$10,800
HK$500,001 至 HK$600,000 HK$8,800 HK$5,000 HK$13,800
HK$600,001 至 HK$800,000 HK$10,800 HK$8,200 HK$19,000
HK$800,001 或 以上 HK$12,000 N/A HK$12,000
 
   \t優惠受條款及細則約束
 
","產品特色
  A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理
 貸款額HK$500,000或以上同樣可享稅貸低息  申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明
 
 
 應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足  申請須符合特定信貸批核要求
 
 
 免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手  網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定
 
 
 A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答
 
","有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！
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text-align:left; width:247px"><strong>提取之貸款金額</strong></td> 			<td style="height:30px; text-align:left; width:165px"><strong>還款期</strong></td> 			<td style="height:30px; text-align:left; width:318px"> 			<p><strong>WeLend現金獎</strong></p> 			</td> 			<td style="height:30px; text-align:left; width:241px"><strong>MoneyHero獨家現金回贈</strong></td> 			<td style="height:30px; text-align:left; width:385px"> 			<p><strong>總現金獎</strong></p> 			</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$100,001 至 HK$200,000</td> 			<td rowspan="7" style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:165px">24個月或以上</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$2,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">N/A</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$2,800</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$200,001 至 HK$300,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$3,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">HK$3,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$7,600</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$300,001 至 HK$400,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$4,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">HK$3,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$8,600</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$400,001 至 HK$500,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$5,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">HK$5,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$10,800</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$500,001 至 HK$600,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$8,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">HK$5,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$13,800</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$600,001 至 HK$800,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$10,800</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">HK$8,200</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$19,000</td> 		</tr> 		<tr> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px">HK$800,001 或 以上</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px">HK$12,000</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px">N/A</td> 			<td style="border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px">HK$12,000</td> 		</tr> 	</tbody> </table>  <ul> 	<li>優惠受<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltfe7e7d63e4c1ddc5/656233b494e6c99245215260/Dec_MoenyHero_Exclusive_Cash_Rebate_Offer_TnC_Up_to_19_000.pdf" rel="noopener" target="_blank">條款及細則</a>約束</li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理</li> <li>貸款額HK$500,000或以上同樣可享稅貸低息 <ul> <li>申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明</li> </ul> </li> <li>應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足 <ul> <li>申請須符合特定信貸批核要求</li> </ul> </li> <li>免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手 <ul> <li>網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定</li> </ul> </li> <li>A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答</li> </ul>, <em><span style="text-decoration: underline;">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class="product-panel-trackable" href="https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法" ga-category="personal-loan" ga-action="product panel - clicked" ga-label="/rp/7th/welend/pl" target="_blank">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>], cons=[<p><strong>注意事項</strong></p> <ul> <li>以上利率及還款資料僅供參考 <ul> <li>最終須按客戶之申請資料及個人信貸紀錄而定；</li> <li>WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權</li> </ul> </li> <li style="font-size: 12px;">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：3590 6396<br />放債人牌照號碼：0958/2023</li> </ul>]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type=null, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.79, eir=null, interestRate=0.125, fees=[], transferRate=null}, {loanTenureMin=1, loanTenureMax=12, loanAmountMin=100000.0, loanAmountMax=300000.0, apr=1.18, eir=null, interestRate=0.053, fees=[], transferRate=null}, {loanTenureMin=1, loanTenureMax=12, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.053, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.78, eir=null, interestRate=0.121, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.052, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.051, fees=[], transferRate=null}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.78, eir=null, interestRate=0.12, fees=[], transferRate=null}, {loanTenureMin=19, loanTenureMax=36, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.51, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.77, eir=null, interestRate=0.119, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=84, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.05, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.75, eir=null, interestRate=0.118, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=72, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.05, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})

Debug data (Raw)


    {__typename=PersonalLoan, id=bltd14691e1687be700_25_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt735038a4821b5934/6051bbfc32845c7ca1648c34/welend.png, description=TODO, dimension=null}, featured=true, imageOrientation=LANDSCAPE, promotional={bannerText=【12月31日截止】經MoneryHero成功申請並交齊文件，可享HK$500 Apple Store 禮品卡 或 惠康現金券，不論批核結果及貸款額。成功提取貸款，更可享高達HK$19,000現金獎! (包括獨家HK$8,200現金回贈)成功遞交申請7日內記得按此填妥「獎賞換領表格」
, bannerImage={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltcc545560b1bbb93d/654a48ebb42e39040a699f06/20231109-_PL_-WeLend-Nov-campaign-D-PJ23_0774-Campaign_Static-Banner_01_CN_OP.jpg, description=null, dimension=null}, countdown={text=快閃倒數, displayProductPage=false, date={startDate=null, endDate=2022-08-31T10:00:00.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=112240000, displayValue=112,240, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=4676666, displayValue=4,677, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1180, displayValue=1.18, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaKmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvd2VsZW5kLXBpbC1wbC16aC1ycA.57R-F5w32rRl_EJgG18BkdHEZ8dZ0tvV0fclyXyqPc0Xvxynt05Avdmnrp0-BM4eqz2oh2h3QynPKU2KtAj5Cw, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=welend-personal-loan}, rateTableEntries=[{loanTenureMin=1, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.79, eir=null, interestRate=0.125, fees=[]}, {loanTenureMin=1, loanTenureMax=12, loanAmountMin=100000.0, loanAmountMax=300000.0, apr=1.18, eir=null, interestRate=0.053, fees=[]}, {loanTenureMin=1, loanTenureMax=12, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.053, fees=[]}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.78, eir=null, interestRate=0.121, fees=[]}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.052, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.051, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.78, eir=null, interestRate=0.12, fees=[]}, {loanTenureMin=19, loanTenureMax=36, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.51, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.77, eir=null, interestRate=0.119, fees=[]}, {loanTenureMin=25, loanTenureMax=84, loanAmountMin=400000.0, loanAmountMax=1500000.0, apr=1.17, eir=null, interestRate=0.05, fees=[]}, {loanTenureMin=37, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=2.75, eir=null, interestRate=0.118, fees=[]}, {loanTenureMin=37, loanTenureMax=72, loanAmountMin=100000.0, loanAmountMax=399999.0, apr=1.18, eir=null, interestRate=0.05, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=welend, providerName=WeLend}, description={shortDescription=[【A.I. 大額貸款組合】一筆過即享大額現金流旁身，再有特長還款期, 【A.I.級簡便】免入息及住址證明]}, productName=WeLend 私人貸款, title=HK.PL.WELE0004.PERSONALLOAN, features={title=Features, pros=[WeScore信貸新指標 WeLend 4億組數據助你信貸健康!, 【MoneyHero 獨家優惠】HK$500 Apple Store 禮品卡 或 惠康現金券

 	由2023年10月13日中午12時至2023年12月31日下午6時（包括首尾兩日），經MoneyHero申請WeLend私人貸款，無論成功與否都可獲HK$500 Apple Store 禮品卡 或 惠康現金券。
如欲了解優惠詳情，請參閱條款及細則
, 【MoneyHero 獨家優惠】額外高達HK$8,200現金回贈
   	由2023年10月4日至2023年12月31日（包括首尾兩日），經MoneyHero成功申請並提取WeLend私人貸款，可享MoneyHero獨家現金回贈及WeLend迎新現金回贈總計高達$19,000 。
 
   	 		 			提取之貸款金額  			還款期  			 			WeLend現金獎
 			  			MoneyHero獨家現金回贈  			 			總現金獎
 			  		
 		 			HK$100,001 至 HK$200,000  			24個月或以上  			HK$2,800  			N/A  			HK$2,800  		
 		 			HK$200,001 至 HK$300,000  			HK$3,800  			HK$3,800  			HK$7,600  		
 		 			HK$300,001 至 HK$400,000  			HK$4,800  			HK$3,800  			HK$8,600  		
 		 			HK$400,001 至 HK$500,000  			HK$5,800  			HK$5,000  			HK$10,800  		
 		 			HK$500,001 至 HK$600,000  			HK$8,800  			HK$5,000  			HK$13,800  		
 		 			HK$600,001 至 HK$800,000  			HK$10,800  			HK$8,200  			HK$19,000  		
 		 			HK$800,001 或 以上  			HK$12,000  			N/A  			HK$12,000  		
 	
 
   	優惠受條款及細則約束
 
, 產品特色
  A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理
 貸款額HK$500,000或以上同樣可享稅貸低息  申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明
 
 
 應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足  申請須符合特定信貸批核要求
 
 
 免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手  網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定
 
 
 A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答
 
, 有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！
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
  以上利率及還款資料僅供參考  最終須按客戶之申請資料及個人信貸紀錄而定；
 WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權
 
 
 忠告：借錢梗要還，咪俾錢中介
查詢及投訴熱線：3590 6396
放債人牌照號碼：0958/2023
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border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$2,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$200,001 至 HK$300,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$7,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$300,001 至 HK$400,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$4,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$8,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$400,001 至 HK$500,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$5,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$10,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$500,001 至 HK$600,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$8,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$13,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$600,001 至 HK$800,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$10,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$8,200</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$19,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$800,001 或 以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$12,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$12,000</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltfe7e7d63e4c1ddc5/656233b494e6c99245215260/Dec_MoenyHero_Exclusive_Cash_Rebate_Offer_TnC_Up_to_19_000.pdf\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理</li> <li>貸款額HK$500,000或以上同樣可享稅貸低息 <ul> <li>申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明</li> </ul> </li> <li>應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足 <ul> <li>申請須符合特定信貸批核要求</li> </ul> </li> <li>免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手 <ul> <li>網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定</li> </ul> </li> <li>A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答</li> </ul>","<em><span style=\"text-decoration: underline;\">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/welend/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>以上利率及還款資料僅供參考 <ul> <li>最終須按客戶之申請資料及個人信貸紀錄而定；</li> <li>WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權</li> </ul> </li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：3590 6396<br />放債人牌照號碼：0958/2023</li> 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text-align:left; width:247px\"><strong>提取之貸款金額</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:165px\"><strong>還款期</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:318px\"> \t\t\t<p><strong>WeLend現金獎</strong></p> \t\t\t</td> \t\t\t<td style=\"height:30px; text-align:left; width:241px\"><strong>MoneyHero獨家現金回贈</strong></td> \t\t\t<td style=\"height:30px; text-align:left; width:385px\"> \t\t\t<p><strong>總現金獎</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$100,001 至 HK$200,000</td> \t\t\t<td rowspan=\"7\" style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:165px\">24個月或以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$2,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$2,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$200,001 至 HK$300,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$7,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$300,001 至 HK$400,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$4,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$3,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$8,600</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$400,001 至 HK$500,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$5,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$10,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$500,001 至 HK$600,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$8,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$5,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$13,800</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$600,001 至 HK$800,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$10,800</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">HK$8,200</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$19,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:247px\">HK$800,001 或 以上</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:318px\">HK$12,000</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:241px\">N/A</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:30px; text-align:left; width:385px\">HK$12,000</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/bltfe7e7d63e4c1ddc5/656233b494e6c99245215260/Dec_MoenyHero_Exclusive_Cash_Rebate_Offer_TnC_Up_to_19_000.pdf\" rel=\"noopener\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>A.I. 全自動貸款，簡化貸款過程，由申請、批核到過戶，全程網上處理</li> <li>貸款額HK$500,000或以上同樣可享稅貸低息 <ul> <li>申請須符合特定信貸批核要求貸款額HK$300,000或以下，毋須入息證明及住址證明</li> </ul> </li> <li>應用A.I. 大數據，計出個人化報價，貸款額按你所想，準確批足 <ul> <li>申請須符合特定信貸批核要求</li> </ul> </li> <li>免人手，A.I. 極速處理，貸款一經確認全自動過戶，現金即到手 <ul> <li>網上確認貸款合約，並完成最後資料核實及審批後，貸款即時以轉數快方式自動過戶，最後收款時間須按個別銀行安排而定</li> </ul> </li> <li>A.I. Chatbot 24小時有問即答，提供專業意見，所有疑難即刻解答</li> </ul>","<em><span style=\"text-decoration: underline;\">有什麼方法提升貸款成功率？立即了解貸款申請被拒原因及解決方法！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/welend/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>以上利率及還款資料僅供參考 <ul> <li>最終須按客戶之申請資料及個人信貸紀錄而定；</li> <li>WELEND LIMITED擁有對貸款審批及任何爭議之最終決定權</li> </ul> </li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：3590 6396<br />放債人牌照號碼：0958/2023</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":1,"loanTenureMax":12,"loanAmountMin":5000.0,"loanAmountMax":99999.0,"apr":2.79,"eir":null,"interestRate":0.125,"fees":[],"transferRate":null},{"loanTenureMin":1,"loanTenureMax":12,"loanAmountMin":100000.0,"loanAmountMax":300000.0,"apr":1.18,"eir":null,"interestRate":0.053,"fees":[],"transferRate":null},{"loanTenureMin":1,"loanTenureMax":12,"loanAmountMin":400000.0,"loanAmountMax":1500000.0,"apr":1.17,"eir":null,"interestRate":0.053,"fees":[],"transferRate":null},{"loanTenureMin":13,"loanTenureMax":18,"loanAmountMin":5000.0,"loanAmountMax":99999.0,"apr":2.78,"eir":null,"interestRate":0.121,"fees":[],"transferRate":null},{"loanTenureMin":13,"loanTenureMax":18,"loanAmountMin":100000.0,"loanAmountMax":399999.0,"apr":1.18,"eir":null,"interestRate":0.052,"fees":[],"transferRate":null},{"loanTenureMin":13,"loanTenureMax":24,"loanAmountMin":400000.0,"loanAmountMax":1500000.0,"apr":1.17,"eir":null,"interestRate":0.051,"fees":[],"transferRate":null},{"loanTenureMin":19,"loanTenureMax":24,"loanAmountMin":5000.0,"loanAmountMax":99999.0,"apr":2.78,"eir":null,"interestRate":0.12,"fees":[],"transferRate":null},{"loanTenureMin":19,"loanTenureMax":36,"loanAmountMin":100000.0,"loanAmountMax":399999.0,"apr":1.18,"eir":null,"interestRate":0.51,"fees":[],"transferRate":null},{"loanTenureMin":25,"loanTenureMax":36,"loanAmountMin":5000.0,"loanAmountMax":99999.0,"apr":2.77,"eir":null,"interestRate":0.119,"fees":[],"transferRate":null},{"loanTenureMin":25,"loanTenureMax":84,"loanAmountMin":400000.0,"loanAmountMax":1500000.0,"apr":1.17,"eir":null,"interestRate":0.05,"fees":[],"transferRate":null},{"loanTenureMin":37,"loanTenureMax":72,"loanAmountMin":5000.0,"loanAmountMax":99999.0,"apr":2.75,"eir":null,"interestRate":0.118,"fees":[],"transferRate":null},{"loanTenureMin":37,"loanTenureMax":72,"loanAmountMin":100000.0,"loanAmountMax":399999.0,"apr":1.18,"eir":null,"interestRate":0.05,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=WeLend 私人貸款, hs_name=, hs_updated_by_user_id=26791207}})

UA 「NO SHOW」免文件私人貸款

最低實際年利率

1.68

手續費

最高貸款額

未有列明

獎勵

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. 全程無須露面，透過電話提供個人資料\n
3. 以SMS短訊確認接受貸款\n
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  截至2023年10月，UA之現金獎為全港最高（與本港主要財務公司比較）。
 新舊客戶定義為於申請日期起計前24個月內於本公司並未持有任何形式之貸款交易，在推廣期開立的e-Cash循環備用現金戶口除外。
現金獎優惠受條款及細則約束，詳情請按此。 
 新舊客戶在推廣期內完成以下要求，方可享用迎新優惠:  成功開立亞洲聯合財務有限公司之e-Cash循環備用現金戶口方可獲取開戶現金獎賞
 成功提取分期私人貸款，即可根據分期私人貸款額獲取貸款現金獎賞
 
 
 貸款批核及電子轉賬服務時間為星期一至五（9:00am-6:30pm），星期六（9:00am-12:30pm），星期日及公眾假期除外；惟實際轉賬日子仍須按個別銀行之轉賬服務時間而決定
 亞洲聯合財務有限公司保留一切有關批核借貸申請之權利
 忠告：借錢梗要還，咪俾錢中介
查詢及投訴熱線：2681 8888
放債人牌照號碼：0931/2023
  
"],"pros":["【UA賞你全城最高現金獎】新舊客戶成功申請及提取貸款，賞高達HK$18,000現金獎！ 優惠期至2023年12月31日，詳情請參閱推廣優惠。
   \t成功開立e-Cash循環備用現金戶口，即享高達HK$200開戶現金獎賞
 \t成功提取私人貸款及還款期達12個月或以上，額外可享現金獎高達HK$17,800
 
   \t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t分期私人貸款額
 \t\t\t  e-Cash開戶獎賞 現金獎賞 現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）
HK$800,000 或 以上 HK$200 HK$17,800 HK$18,000
HK$700,000 - HK$799,999 HK$200 HK$15,800 HK$16,000
HK$550,000 - HK$699,999 HK$200 HK$13,800 HK$14,000
HK$500,000 - HK$549,999 HK$200 HK$11,800 HK$12,000
HK$400,000 - HK$499,999 HK$200 HK$9,800 HK$10,000
HK$250,000 - HK$399,999 HK$200 HK$7,800 HK$8,000
HK$110,000 - HK$249,999 HK$200 HK$4,800 HK$5,000
HK$90,000 - HK$109,999 HK$200 HK$3,500 HK$3,700
HK$70,000 - HK$89,999 HK$200 HK$2,500 HK$2,700
HK$50,000 - HK$69,999 HK$200 HK$1,500 HK$1,700
HK$30,000 - HK$49,999 HK$200 HK$800 HK$1,000
HK$10,000 - HK$29,999 HK$200 HK$500 HK$700
HK$10,000以下 HK$200 HK$100 HK$300
 
   \t現金獎優惠期有限並受條款及細則約束，詳情請按此。
 
","產品特色
  只須留低聯絡資料，全程都有專人幫你搞掂
 無須露面，無須提供證明文件
 最快即日批核， 一批轉數快，經FPS現金即時到手
 「友獎賞」計劃：成功推薦親友，獎賞高達HK$60,000；推薦無上限，推薦越多，獎賞越多！
 
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text-align:left; width:35.6535%"><strong>分期私人貸款額</strong><br /> 			&nbsp;</td> 			<td style="height:18px; text-align:left; width:15.909%"><strong>e-Cash開戶獎賞</strong></td> 			<td style="height:18px; text-align:left; width:23.4375%"><strong>現金獎賞</strong></td> 			<td style="height:18px; text-align:left; width:23.4375%"><strong>現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$800,000 或 以上</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$17,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$18,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$700,000 - HK$799,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$15,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$16,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$550,000 - HK$699,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$13,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$14,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$500,000 - HK$549,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$11,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$12,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$400,000 - HK$499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$9,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$10,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$250,000 - HK$399,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$7,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$8,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$110,000 - HK$249,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$4,800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$5,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$90,000 - HK$109,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$3,500</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$3,700</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$70,000 - HK$89,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$2,500</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$2,700</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$50,000 - HK$69,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$1,500</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$1,700</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$30,000 - HK$49,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$800</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$1,000</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$10,000 - HK$29,999</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$500</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$700</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%">HK$10,000以下</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%">HK$200</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$100</td> 			<td style="border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%">HK$300</td> 		</tr> 	</tbody> </table>  <ul> 	<li>現金獎優惠期有限並受條款及細則約束，詳情請<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf" rel="noopener" target="_blank">按此</a>。</li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>只須留低聯絡資料，全程都有專人幫你搞掂</li> <li>無須露面，無須提供證明文件</li> <li>最快即日批核， 一批轉數快，經FPS現金即時到手</li> <li>「友獎賞」計劃：成功推薦親友，獎賞高達HK$60,000；推薦無上限，推薦越多，獎賞越多！</li> </ul>], cons=[<p><strong>注意事項</strong></p> <ul> <li>截至2023年10月，UA之現金獎為全港最高（與本港主要財務公司比較）。</li> <li>新舊客戶定義為於申請日期起計前24個月內於本公司並未持有任何形式之貸款交易，在推廣期開立的e-Cash循環備用現金戶口除外。</li><li>現金獎優惠受條款及細則約束，詳情請<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf" target-"blank">按此</a>。 <li>&nbsp;新舊客戶在推廣期內完成以下要求，方可享用迎新優惠: <ul> <li>成功開立亞洲聯合財務有限公司之e-Cash循環備用現金戶口方可獲取開戶現金獎賞</li> <li>成功提取分期私人貸款，即可根據分期私人貸款額獲取貸款現金獎賞</li> </ul> </li> <li>貸款批核及電子轉賬服務時間為星期一至五（9:00am-6:30pm），星期六（9:00am-12:30pm），星期日及公眾假期除外；惟實際轉賬日子仍須按個別銀行之轉賬服務時間而決定</li> <li>亞洲聯合財務有限公司保留一切有關批核借貸申請之權利</li> <li style="font-size: 12px;">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2681 8888<br />放債人牌照號碼：0931/2023</li>  </ul>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 致電「NO SHOW」私人貸款專線2681 8787<br>2. 全程無須露面，透過電話提供個人資料
<br>3. 以SMS短訊確認接受貸款
<br>4. 現金直接存入戶口}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=3, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.081, fees=[], transferRate=null}, {loanTenureMin=7, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0755, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0729, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.072, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0715, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})

Debug data (Raw)


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   	成功開立e-Cash循環備用現金戶口，即享高達HK$200開戶現金獎賞
 	成功提取私人貸款及還款期達12個月或以上，額外可享現金獎高達HK$17,800
 
   	 		 			分期私人貸款額
 			   			e-Cash開戶獎賞  			現金獎賞  			現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）  		
 		 			HK$800,000 或 以上  			HK$200  			HK$17,800  			HK$18,000  		
 		 			HK$700,000 - HK$799,999  			HK$200  			HK$15,800  			HK$16,000  		
 		 			HK$550,000 - HK$699,999  			HK$200  			HK$13,800  			HK$14,000  		
 		 			HK$500,000 - HK$549,999  			HK$200  			HK$11,800  			HK$12,000  		
 		 			HK$400,000 - HK$499,999  			HK$200  			HK$9,800  			HK$10,000  		
 		 			HK$250,000 - HK$399,999  			HK$200  			HK$7,800  			HK$8,000  		
 		 			HK$110,000 - HK$249,999  			HK$200  			HK$4,800  			HK$5,000  		
 		 			HK$90,000 - HK$109,999  			HK$200  			HK$3,500  			HK$3,700  		
 		 			HK$70,000 - HK$89,999  			HK$200  			HK$2,500  			HK$2,700  		
 		 			HK$50,000 - HK$69,999  			HK$200  			HK$1,500  			HK$1,700  		
 		 			HK$30,000 - HK$49,999  			HK$200  			HK$800  			HK$1,000  		
 		 			HK$10,000 - HK$29,999  			HK$200  			HK$500  			HK$700  		
 		 			HK$10,000以下  			HK$200  			HK$100  			HK$300  		
 	
 
   	現金獎優惠期有限並受條款及細則約束，詳情請按此。
 
, 產品特色
  只須留低聯絡資料，全程都有專人幫你搞掂
 無須露面，無須提供證明文件
 最快即日批核， 一批轉數快，經FPS現金即時到手
 「友獎賞」計劃：成功推薦親友，獎賞高達HK$60,000；推薦無上限，推薦越多，獎賞越多！
 
], cons=[注意事項
  截至2023年10月，UA之現金獎為全港最高（與本港主要財務公司比較）。
 新舊客戶定義為於申請日期起計前24個月內於本公司並未持有任何形式之貸款交易，在推廣期開立的e-Cash循環備用現金戶口除外。
現金獎優惠受條款及細則約束，詳情請按此。 
 新舊客戶在推廣期內完成以下要求，方可享用迎新優惠:  成功開立亞洲聯合財務有限公司之e-Cash循環備用現金戶口方可獲取開戶現金獎賞
 成功提取分期私人貸款，即可根據分期私人貸款額獲取貸款現金獎賞
 
 
 貸款批核及電子轉賬服務時間為星期一至五（9:00am-6:30pm），星期六（9:00am-12:30pm），星期日及公眾假期除外；惟實際轉賬日子仍須按個別銀行之轉賬服務時間而決定
 亞洲聯合財務有限公司保留一切有關批核借貸申請之權利
 忠告：借錢梗要還，咪俾錢中介
查詢及投訴熱線：2681 8888
放債人牌照號碼：0931/2023
  
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 致電「NO SHOW」私人貸款專線2681 8787
2. 全程無須露面，透過電話提供個人資料

3. 以SMS短訊確認接受貸款

4. 現金直接存入戶口}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=3, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.081, fees=[], transferRate=null}, {loanTenureMin=7, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0755, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0729, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.072, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0715, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

Debug data


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text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$17,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$18,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$700,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$15,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$16,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$550,000 - HK$699,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$13,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$14,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$500,000 - HK$549,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$11,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$12,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$400,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$9,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$10,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$250,000 - HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$7,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$8,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$110,000 - HK$249,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$4,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$5,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$90,000 - HK$109,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$3,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$3,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$70,000 - HK$89,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$2,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$2,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$50,000 - HK$69,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$30,000 - HK$49,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$10,000 - HK$29,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$10,000以下</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$100</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$300</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>現金獎優惠期有限並受條款及細則約束，詳情請<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf\" rel=\"noopener\" target=\"_blank\">按此</a>。</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>只須留低聯絡資料，全程都有專人幫你搞掂</li> <li>無須露面，無須提供證明文件</li> <li>最快即日批核， 一批轉數快，經FPS現金即時到手</li> <li>「友獎賞」計劃：成功推薦親友，獎賞高達HK$60,000；推薦無上限，推薦越多，獎賞越多！</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>截至2023年10月，UA之現金獎為全港最高（與本港主要財務公司比較）。</li> <li>新舊客戶定義為於申請日期起計前24個月內於本公司並未持有任何形式之貸款交易，在推廣期開立的e-Cash循環備用現金戶口除外。</li><li>現金獎優惠受條款及細則約束，詳情請<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf\" target-\"blank\">按此</a>。 <li>&nbsp;新舊客戶在推廣期內完成以下要求，方可享用迎新優惠: <ul> <li>成功開立亞洲聯合財務有限公司之e-Cash循環備用現金戶口方可獲取開戶現金獎賞</li> <li>成功提取分期私人貸款，即可根據分期私人貸款額獲取貸款現金獎賞</li> </ul> </li> <li>貸款批核及電子轉賬服務時間為星期一至五（9:00am-6:30pm），星期六（9:00am-12:30pm），星期日及公眾假期除外；惟實際轉賬日子仍須按個別銀行之轉賬服務時間而決定</li> <li>亞洲聯合財務有限公司保留一切有關批核借貸申請之權利</li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2681 8888<br />放債人牌照號碼：0931/2023</li>  </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 致電「NO SHOW」私人貸款專線2681 8787<br>2. 全程無須露面，透過電話提供個人資料\n<br>3. 以SMS短訊確認接受貸款\n<br>4. 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text-align:left; width:35.6535%\"><strong>分期私人貸款額</strong><br /> \t\t\t&nbsp;</td> \t\t\t<td style=\"height:18px; text-align:left; width:15.909%\"><strong>e-Cash開戶獎賞</strong></td> \t\t\t<td style=\"height:18px; text-align:left; width:23.4375%\"><strong>現金獎賞</strong></td> \t\t\t<td style=\"height:18px; text-align:left; width:23.4375%\"><strong>現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$17,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$18,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$700,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$15,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$16,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$550,000 - HK$699,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$13,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$14,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$500,000 - HK$549,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$11,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$12,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$400,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$9,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$10,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$250,000 - HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$7,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$8,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$110,000 - HK$249,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$4,800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$5,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$90,000 - HK$109,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$3,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$3,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$70,000 - HK$89,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$2,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$2,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$50,000 - HK$69,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$30,000 - HK$49,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$1,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$10,000 - HK$29,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$700</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:35.6535%\">HK$10,000以下</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:15.909%\">HK$200</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$100</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:18px; text-align:left; width:23.4375%\">HK$300</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>現金獎優惠期有限並受條款及細則約束，詳情請<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf\" rel=\"noopener\" target=\"_blank\">按此</a>。</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>只須留低聯絡資料，全程都有專人幫你搞掂</li> <li>無須露面，無須提供證明文件</li> <li>最快即日批核， 一批轉數快，經FPS現金即時到手</li> <li>「友獎賞」計劃：成功推薦親友，獎賞高達HK$60,000；推薦無上限，推薦越多，獎賞越多！</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>截至2023年10月，UA之現金獎為全港最高（與本港主要財務公司比較）。</li> <li>新舊客戶定義為於申請日期起計前24個月內於本公司並未持有任何形式之貸款交易，在推廣期開立的e-Cash循環備用現金戶口除外。</li><li>現金獎優惠受條款及細則約束，詳情請<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt2584899090912956/64e9dc8736241b4c178a09dc/T_C_TC_Welcome_Offer_Promotion_2023_(A9)_20230731.pdf\" target-\"blank\">按此</a>。 <li>&nbsp;新舊客戶在推廣期內完成以下要求，方可享用迎新優惠: <ul> <li>成功開立亞洲聯合財務有限公司之e-Cash循環備用現金戶口方可獲取開戶現金獎賞</li> <li>成功提取分期私人貸款，即可根據分期私人貸款額獲取貸款現金獎賞</li> </ul> </li> <li>貸款批核及電子轉賬服務時間為星期一至五（9:00am-6:30pm），星期六（9:00am-12:30pm），星期日及公眾假期除外；惟實際轉賬日子仍須按個別銀行之轉賬服務時間而決定</li> <li>亞洲聯合財務有限公司保留一切有關批核借貸申請之權利</li> <li style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2681 8888<br />放債人牌照號碼：0931/2023</li>  </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 致電「NO SHOW」私人貸款專線2681 8787<br>2. 全程無須露面，透過電話提供個人資料\n<br>3. 以SMS短訊確認接受貸款\n<br>4. 現金直接存入戶口"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":3,"loanTenureMax":6,"loanAmountMin":5000.0,"loanAmountMax":1000000.0,"apr":1.68,"eir":null,"interestRate":0.081,"fees":[],"transferRate":null},{"loanTenureMin":7,"loanTenureMax":12,"loanAmountMin":5000.0,"loanAmountMax":1000000.0,"apr":1.68,"eir":null,"interestRate":0.0755,"fees":[],"transferRate":null},{"loanTenureMin":13,"loanTenureMax":24,"loanAmountMin":5000.0,"loanAmountMax":1000000.0,"apr":1.68,"eir":null,"interestRate":0.0729,"fees":[],"transferRate":null},{"loanTenureMin":25,"loanTenureMax":36,"loanAmountMin":5000.0,"loanAmountMax":1000000.0,"apr":1.68,"eir":null,"interestRate":0.072,"fees":[],"transferRate":null},{"loanTenureMin":37,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":1000000.0,"apr":1.68,"eir":null,"interestRate":0.0715,"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=UA 「NO SHOW」免文件私人貸款, hs_name=, hs_updated_by_user_id=26791207}})

星展銀行定額私人貸款

最低實際年利率

6.32

手續費

最高貸款額

HK$200萬 / 月薪20倍

獎勵

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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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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3. 住址證明（最近六個月內發出）
4. 認可機構頒發的專業證（適用於專業人士（例如：醫生、會計師、律師或工程師））
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   \t最低收入要求：每年固定入息HK$80,000或以上
 \t「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間（「獎賞饋贈期」）以星展銀行發出的適用信用卡簽賬，當交易顯示於DBS Card+的Timeline時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。
 \t要收到「一扣即享」金額，客戶必須： \t \t\t在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$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。
 \t\t於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。
 \t
 \t
 \t超級市場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的客戶。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。
 \t獎賞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現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡（包括聯營卡）主卡及/或私人貸款產品的客戶
 \t實際年利率2.20%：以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算，已包括2％貸款開立費
 \t獎賞受條款約束，詳情請參閱星展網頁
 \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在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定，並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁
 \t借定唔借？還得到先好借！
 
"],"pros":["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
   \t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\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  \t\t\tDBS現金券金額 (還款期為12/18/24/30/36個月)
 \t\t\t DBS現金券金額 (還款期為42/48/52/54/60個月) 額外
 \t\t\t「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
 
   \t不論經任何途徑成功申請此貸款；
 \t由2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；
 \t2023年12月21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$8,000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$8,000 超市現金券 / Apple Store 禮品卡
   HK$5,200 超市現金券 / Apple Store 禮品卡
  
  HK$1,000,000 至 HK$1,499,999   HK$4,500 超市現金券 / Apple Store 禮品卡
   HK$3,400 超市現金券 / Apple Store 禮品卡
  
  HK$500,000 至 HK$999,999   HK$3,500 超市現金券 / Apple Store 禮品卡
   HK$2,600 超市現金券 / Apple Store 禮品卡
  
  HK$300,000 至 HK$499,999  HK$2,000 超市現金券 / Apple Store 禮品卡  HK$1,500 超市現金券 / Apple Store 禮品卡  
  HK$100,000 至 HK$299,999  HK$500 超市現金券 / Apple Store 禮品卡  HK$200 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2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；
 2023年12月21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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style="height:35px; text-align:left; width:18.5711%"><strong>貸款額</strong></td> 			<td style="height:35px; text-align:left; width:3.75586%"> 			<p><strong>DBS現金券金額</strong>&nbsp;<strong>(還款期為12/18/24/30/36個月)</strong></p> 			</td> 			<td style="height:35px; text-align:left; width:5.5001%"><strong>DBS現金券金額 (還款期為42/48/52/54/60個月)</strong></td> 			<td style="height:35px; text-align:left; width:8.19895%"><strong>額外</strong><br /> 			<strong>「一扣即享」金額</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%">HK$1,500,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%">HK$3,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%">HK$7,700</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%">HK$300</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%">HK$1,000,000 至 HK$1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%">HK$3,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%">HK$7,700</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%">HK$300</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%">HK$500,000 至 HK$999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%">HK$1,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%">HK$3,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%">HK$300</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%">HK$300,000 至 HK$499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%">HK$1,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%">HK$1,000</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%">HK$300</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%">HK$100,000 至 HK$299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%">HK$500</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%">HK$500</td> 			<td style="border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%">HK$300</td> 		</tr> 	</tbody> </table>  <ul> 	<li>不論經任何途徑成功申請此貸款；</li> 	<li>由2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> 	<li>2023年12月21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$8,000獨家超市現金券 或 Apple Store 禮品卡</p> <table style="width: 100%; height: 279px;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 15.162%; text-align: left;"><strong>貸款額</strong></td> <td style="width: 20.7991%; height: 50px; text-align: left;"><strong>MoneyHero獨家 全新客戶優惠</strong></td> <td style="width: 22.8078%; height: 50px; text-align: left;"> <p><strong>MoneyHero獨家 現有客戶優惠</strong></p> </td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;">HK$1,500,000 或以上</td> <td style="border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;"> <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;"> <p>HK$5,200 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style="height: 50px;"> <td style="border-top: 1px solid #a9a9a9; width: 15.162%; height: 50px; text-align: left;">HK$1,000,000 至 HK$1,499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;"> <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 22.8078%; height: 29px; text-align: left;"> <p>HK$3,400 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;">HK$500,000 至 HK$999,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;"> <p>HK$3,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;"> <p>HK$2,600 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;">HK$300,000 至 HK$499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;">HK$2,000 超市現金券 / Apple Store 禮品卡</td> <td style="border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;">HK$1,500 超市現金券 / Apple Store 禮品卡</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;">HK$100,000 至 HK$299,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;">HK$500 超市現金券 / Apple Store 禮品卡</td> <td style="border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;">HK$200 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2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> <li>2023年12月21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/bltdf909986be592dae/blt1184233ecd56a45f/651003125f359c0f72841a0b/MoneyHero_X_DBS_PIL_Oct_2023_TnC.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$80,000或以上</li> 	<li>「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間（「獎賞饋贈期」）以星展銀行發出的適用信用卡簽賬，當交易顯示於DBS Card+的Timeline時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。</li> 	<li>要收到「一扣即享」金額，客戶必須： 	<ul> 		<li>在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$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。</li> 		<li>於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。</li> 	</ul> 	</li> 	<li>超級市場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的客戶。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>獎賞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>現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡（包括聯營卡）主卡及/或私人貸款產品的客戶</li> 	<li>實際年利率2.20%：以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算，已包括2％貸款開立費</li> 	<li>獎賞受條款約束，詳情請參閱星展網頁</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>在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定，並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁</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=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<br>2. 確認個人資料及申報債務<br>3. 信貸報告<br>4. 選擇貸款計劃<br>5. 選擇放款方式<br>6. 發放貸款<br>}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港身份證<br>2. 最近3個月的薪金證明<br>3. 住址證明（最近六個月內發出）<br>4. 認可機構頒發的專業證（適用於專業人士（例如：醫生、會計師、律師或工程師））<br>5. 顯示姓名及賬戶號碼的銀行結單／存摺}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, 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}})

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=【11月30日截止】可享高達HK$16,000獎賞，包括 HK$7,700超市現金券、HK$300「一扣即享」金額，及高達HK$8,000獨家超市現金券 或 Apple Store 禮品卡, bannerImage=null, countdown={text=最後機會, displayProductPage=true, date={startDate=null, endDate=2022-09-19T15:59:59.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=430240000, displayValue=430,240, tooltip=null, description=, prefix=$, 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 定額私人貸款, title=HK.PL.DBSX0001.PERSONALINSTALMENTLOAN, features={title=Features, pros=[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  		
 	
 
   	不論經任何途徑成功申請此貸款；
 	由2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；
 	2023年12月21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$8,000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$8,000 超市現金券 / Apple Store 禮品卡
   HK$5,200 超市現金券 / Apple Store 禮品卡
  
  HK$1,000,000 至 HK$1,499,999   HK$4,500 超市現金券 / Apple Store 禮品卡
   HK$3,400 超市現金券 / Apple Store 禮品卡
  
  HK$500,000 至 HK$999,999   HK$3,500 超市現金券 / Apple Store 禮品卡
   HK$2,600 超市現金券 / Apple Store 禮品卡
  
  HK$300,000 至 HK$499,999  HK$2,000 超市現金券 / Apple Store 禮品卡  HK$1,500 超市現金券 / Apple Store 禮品卡  
  HK$100,000 至 HK$299,999  HK$500 超市現金券 / Apple Store 禮品卡  HK$200 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2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；
 2023年12月21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$80,000或以上
 	「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間（「獎賞饋贈期」）以星展銀行發出的適用信用卡簽賬，當交易顯示於DBS Card+的Timeline時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。
 	要收到「一扣即享」金額，客戶必須： 	 		在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$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。
 		於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。
 	
 	
 	超級市場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的客戶。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。
 	獎賞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
 	現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡（包括聯營卡）主卡及/或私人貸款產品的客戶
 	實際年利率2.20%：以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算，已包括2％貸款開立費
 	獎賞受條款約束，詳情請參閱星展網頁
 	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
 	在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定，並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁
 	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=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）
4. 認可機構頒發的專業證（適用於專業人士（例如：醫生、會計師、律師或工程師））
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width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>不論經任何途徑成功申請此貸款；</li> \t<li>由2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> \t<li>2023年12月21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$8,000獨家超市現金券 或 Apple Store 禮品卡</p> <table style=\"width: 100%; height: 279px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 15.162%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 20.7991%; height: 50px; text-align: left;\"><strong>MoneyHero獨家 全新客戶優惠</strong></td> <td style=\"width: 22.8078%; height: 50px; text-align: left;\"> <p><strong>MoneyHero獨家 現有客戶優惠</strong></p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\"> <p>HK$5,200 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 15.162%; height: 50px; text-align: left;\">HK$1,000,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 29px; text-align: left;\"> <p>HK$3,400 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$500,000 至 HK$999,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$3,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\"> <p>HK$2,600 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\">HK$2,000 超市現金券 / Apple Store 禮品卡</td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\">HK$1,500 超市現金券 / Apple Store 禮品卡</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$100,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\">HK$500 超市現金券 / Apple Store 禮品卡</td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\">HK$200 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2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> <li>2023年12月21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/bltdf909986be592dae/blt1184233ecd56a45f/651003125f359c0f72841a0b/MoneyHero_X_DBS_PIL_Oct_2023_TnC.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$80,000或以上</li> \t<li>「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間（「獎賞饋贈期」）以星展銀行發出的適用信用卡簽賬，當交易顯示於DBS Card+的Timeline時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。</li> \t<li>要收到「一扣即享」金額，客戶必須： \t<ul> \t\t<li>在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$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。</li> \t\t<li>於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。</li> \t</ul> \t</li> \t<li>超級市場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的客戶。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> \t<li>獎賞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>現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡（包括聯營卡）主卡及/或私人貸款產品的客戶</li> \t<li>實際年利率2.20%：以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算，已包括2％貸款開立費</li> \t<li>獎賞受條款約束，詳情請參閱星展網頁</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>在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定，並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁</li> \t<li>借定唔借？還得到先好借！</li> 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width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t</tbody> </table>  <ul> \t<li>不論經任何途徑成功申請此貸款；</li> \t<li>由2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> \t<li>2023年12月21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$8,000獨家超市現金券 或 Apple Store 禮品卡</p> <table style=\"width: 100%; height: 279px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 15.162%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 20.7991%; height: 50px; text-align: left;\"><strong>MoneyHero獨家 全新客戶優惠</strong></td> <td style=\"width: 22.8078%; height: 50px; text-align: left;\"> <p><strong>MoneyHero獨家 現有客戶優惠</strong></p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$1,500,000 或以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$8,000 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\"> <p>HK$5,200 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 15.162%; height: 50px; text-align: left;\">HK$1,000,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$4,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 29px; text-align: left;\"> <p>HK$3,400 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$500,000 至 HK$999,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\"> <p>HK$3,500 超市現金券 / Apple Store 禮品卡</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\"> <p>HK$2,600 超市現金券 / Apple Store 禮品卡</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\">HK$2,000 超市現金券 / Apple Store 禮品卡</td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\">HK$1,500 超市現金券 / Apple Store 禮品卡</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 15.162%; text-align: left;\">HK$100,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.7991%; height: 50px; text-align: left;\">HK$500 超市現金券 / Apple Store 禮品卡</td> <td style=\"border-top: 1px solid #a9a9a9; width: 22.8078%; height: 50px; text-align: left;\">HK$200 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2023年11月1日至30日（推廣期）：成功申請「星展定額私人貸款」；</li> <li>2023年12月21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/bltdf909986be592dae/blt1184233ecd56a45f/651003125f359c0f72841a0b/MoneyHero_X_DBS_PIL_Oct_2023_TnC.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$80,000或以上</li> \t<li>「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間（「獎賞饋贈期」）以星展銀行發出的適用信用卡簽賬，當交易顯示於DBS Card+的Timeline時，經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。</li> \t<li>要收到「一扣即享」金額，客戶必須： \t<ul> \t\t<li>在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡（包括聯營卡，但貴賓卡及商務卡除外）（「適用信用卡」）、於DBS$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。</li> \t\t<li>於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。</li> \t</ul> \t</li> \t<li>超級市場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的客戶。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> \t<li>獎賞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>現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡（包括聯營卡）主卡及/或私人貸款產品的客戶</li> \t<li>實際年利率2.20%：以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算，已包括2％貸款開立費</li> \t<li>獎賞受條款約束，詳情請參閱星展網頁</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>在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定，並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁</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":"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<br>2. 確認個人資料及申報債務<br>3. 信貸報告<br>4. 選擇貸款計劃<br>5. 選擇放款方式<br>6. 發放貸款<br>"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港身份證<br>2. 最近3個月的薪金證明<br>3. 住址證明（最近六個月內發出）<br>4. 認可機構頒發的專業證（適用於專業人士（例如：醫生、會計師、律師或工程師））<br>5. 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hs_created_at=1680234702790, hs_is_edited=false, hs_deleted_at=0, productname=星展銀行 定額私人貸款, hs_name=, hs_updated_by_user_id=28491723}})

OK財務私人貸款

最低實際年利率

12.532

手續費

1% - 3%

最高貸款額

HK$80萬 / 月薪21倍

獎勵

更多資訊

隱藏信息

產品特色推廣優惠/迎新禮品申請資格

貸款額	MoneyHero獨家獎賞
HK$800,000 或以上	\t\t\t \t\t\t\t iPhone 15 Pro Max 256GB (價值HK$10,199) \t\t\t\t HK$10,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$500,000 至 HK$799,999	\t\t\t \t\t\t\t SAMSUNG 55" QLED 4K Q60C TV (價值HK$8,980) \t\t\t\t HK$7,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$300,000 至 HK$499,999	\t\t\t \t\t\t\t Sonos Sub Gen 3無線超低音喇叭 (價值HK$6,999) \t\t\t\t HK$6,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$200,000 至 HK$299,999	\t\t\t \t\t\t\t Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780) \t\t\t\t HK$5,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t
HK$100,000 至 HK$199,999	\t\t\t \t\t\t\t SONY HT-AX7 可攜式影院系統 (價值HK$4,290) \t\t\t\t HK$4,000 Apple Store 禮品卡 / 超市現金券 \t\t\t \t\t\t

\t\t\t貸款額	還款期長達24個月或以下	還款期長達24個月以上
花旗私人客戶/Citigold客戶/ \t\t\tCiti ULTIMA卡 \t\t\t之持有人	其他客戶	花旗私人客戶/Citigold客戶/ \t\t\tCiti ULTIMA卡 \t\t\t之持有人	其他客戶
HK$1,500,000 或以上	\t\t\t HK$4,000 \t\t\t	\t\t\t HK$2,000 \t\t\t	HK$8,000	HK$4,000
HK$800,000 至 HK$1,499,999	\t\t\t HK$2,500 \t\t\t	HK$1,500	\t\t\t HK$4,000 \t\t\t	HK$2,500
HK$400,000 至 HK$799,999	\t\t\t HK$1,500 \t\t\t	\t\t\t HK$1,000 \t\t\t	\t\t\t HK$2,000 \t\t\t	HK$1,500
HK$100,000 至 HK$399,999	\t\t\t HK$500 \t\t\t	\t\t\t HK$400 \t\t\t	HK$700	\t\t\t HK$600 \t\t\t

提取之貸款金額	還款期	WeLend現金獎	MoneyHero獨家現金回贈	總現金獎
HK$100,001 至 HK$200,000	24個月或以上	HK$2,800	N/A	HK$2,800
HK$200,001 至 HK$300,000		HK$3,800	HK$3,800	HK$7,600
HK$300,001 至 HK$400,000		HK$4,800	HK$3,800	HK$8,600
HK$400,001 至 HK$500,000		HK$5,800	HK$5,000	HK$10,800
HK$500,001 至 HK$600,000		HK$8,800	HK$5,000	HK$13,800
HK$600,001 至 HK$800,000		HK$10,800	HK$8,200	HK$19,000
HK$800,001 或以上		HK$12,000	N/A	HK$12,000

提取之貸款金額	還款期	\t\t\t WeLend現金獎 \t\t\t	MoneyHero獨家現金回贈	\t\t\t 總現金獎 \t\t\t
HK$100,001 至 HK$200,000	24個月或以上	HK$2,800	N/A	HK$2,800
HK$200,001 至 HK$300,000	HK$3,800	HK$3,800	HK$7,600
HK$300,001 至 HK$400,000	HK$4,800	HK$3,800	HK$8,600
HK$400,001 至 HK$500,000	HK$5,800	HK$5,000	HK$10,800
HK$500,001 至 HK$600,000	HK$8,800	HK$5,000	HK$13,800
HK$600,001 至 HK$800,000	HK$10,800	HK$8,200	HK$19,000
HK$800,001 或以上	HK$12,000	N/A	HK$12,000

分期私人貸款額	e-Cash開戶獎賞	現金獎賞	現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）
HK$800,000 或以上	HK$200	HK$17,800	HK$18,000
HK$700,000 - HK$799,999	HK$200	HK$15,800	HK$16,000
HK$550,000 - HK$699,999	HK$200	HK$13,800	HK$14,000
HK$500,000 - HK$549,999	HK$200	HK$11,800	HK$12,000
HK$400,000 - HK$499,999	HK$200	HK$9,800	HK$10,000
HK$250,000 - HK$399,999	HK$200	HK$7,800	HK$8,000
HK$110,000 - HK$249,999	HK$200	HK$4,800	HK$5,000
HK$90,000 - HK$109,999	HK$200	HK$3,500	HK$3,700
HK$70,000 - HK$89,999	HK$200	HK$2,500	HK$2,700
HK$50,000 - HK$69,999	HK$200	HK$1,500	HK$1,700
HK$30,000 - HK$49,999	HK$200	HK$800	HK$1,000
HK$10,000 - HK$29,999	HK$200	HK$500	HK$700
HK$10,000以下	HK$200	HK$100	HK$300

分期私人貸款額 \t\t\t	e-Cash開戶獎賞	現金獎賞	現金獎（e-Cash 開戶獎賞＋分期私人貸款獎賞）
HK$800,000 或以上	HK$200	HK$17,800	HK$18,000
HK$700,000 - HK$799,999	HK$200	HK$15,800	HK$16,000
HK$550,000 - HK$699,999	HK$200	HK$13,800	HK$14,000
HK$500,000 - HK$549,999	HK$200	HK$11,800	HK$12,000
HK$400,000 - HK$499,999	HK$200	HK$9,800	HK$10,000
HK$250,000 - HK$399,999	HK$200	HK$7,800	HK$8,000
HK$110,000 - HK$249,999	HK$200	HK$4,800	HK$5,000
HK$90,000 - HK$109,999	HK$200	HK$3,500	HK$3,700
HK$70,000 - HK$89,999	HK$200	HK$2,500	HK$2,700
HK$50,000 - HK$69,999	HK$200	HK$1,500	HK$1,700
HK$30,000 - HK$49,999	HK$200	HK$800	HK$1,000
HK$10,000 - HK$29,999	HK$200	HK$500	HK$700
HK$10,000以下	HK$200	HK$100	HK$300

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$8,000 超市現金券 / Apple Store 禮品卡	HK$5,200 超市現金券 / Apple Store 禮品卡
HK$1,000,000 至 HK$1,499,999	HK$4,500 超市現金券 / Apple Store 禮品卡	HK$3,400 超市現金券 / Apple Store 禮品卡
HK$500,000 至 HK$999,999	HK$3,500 超市現金券 / Apple Store 禮品卡	HK$2,600 超市現金券 / Apple Store 禮品卡
HK$300,000 至 HK$499,999	HK$2,000 超市現金券 / Apple Store 禮品卡	HK$1,500 超市現金券 / Apple Store 禮品卡
HK$100,000 至 HK$299,999	HK$500 超市現金券 / Apple Store 禮品卡	HK$200 超市現金券 / Apple Store 禮品卡

貸款額	\t\t\t DBS現金券金額 (還款期為12/18/24/30/36個月) \t\t\t	DBS現金券金額 (還款期為42/48/52/54/60個月)	額外 \t\t\t「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

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