清卡數邊間好？18個最佳結餘轉戶計劃比較 2023

貸款產品	最低實際年利率	總還款額低至	每月還款額低至
WeLend 結餘轉戶貸款	2.78 %	$ 102,880	$ 4,287
天星銀行Airstar 貸款一筆清	2.99 %	$ 424,634	$ 8,847
富邦「卡數清」私人貸款	3.88 %	$ 433,216	$ 9,025
渣打銀行結餘轉戶計劃	5.13 %	$ 442,240	$ 9,213
Citi 卡數結餘轉戶	8.64 %	$ 472,960	$ 9,853
信銀國際 $mart Plus分期貸款 - 結餘轉戶	7.19 %	$ 442,240	$ 9,213

Citi卡數結餘轉戶
：總值高達HK$18,800獎賞，貸款即日批核，現金即日到手
WeLab Bank 結餘轉戶貸款
：總值高達HK$21,068獎賞，還款期長達72個月
安信結餘轉戶計劃
：最低實際年利率1.18%，不設收入要求
UA咭數一筆清
：最低實際年利率1.68%，貸款額高達HK$200萬

清卡數貸款是甚麼？

清卡數貸款指將你分散在不同貸款機構包括不同信用卡的卡數、私人貸款等的債務（俗稱「街數」），透過向銀行或財務公司申請一筆利息相對較低的私人貸款，一次過集中處理，清卡數貸款又稱結餘轉戶貸款。

方法是當你成功申請「結餘轉戶」貸款後，銀行或財務公司就會將這批出的貸款以戶口轉賬或本票方式，直接去找清另一筆或多筆卡數或其他較高息貸款，以後就只需向一間銀行／財務公司還款，亦不再怕記錯不同貸款機構的還款日。

延伸閱讀：清卡數應選擇「結餘轉戶」定「債務重組」？

唔準時清卡數會有什麼後果？

所謂「有借有還」，沒有按時還清卡數的後果可以十分嚴重。欠債人需額外繳付罰息和手續費，未償還的卡數欠款分分鐘被銀行或發卡機構收取高達30厘的實際年利率 (APR)，遠高於一般私人貸款利率，欠款及利息亦將會在雪球效應下愈滾愈大。

另外，欠款增加亦有機會令個人信貸評級 (TU)降級，導致日後銀行及財務公司可能因TU紀錄欠佳而拒絕你的分期私人貸款或結餘轉戶貸款申請，對個人理財造成深遠影響。

	最低實際年利率	迎新優惠
安信結餘轉戶計劃	1.18%	高達HK$18,800現金獎
WeLab Bank 清卡數貸款	1.68%	高達HK$13,888現金獎賞 + MoneyHero獨家優惠Dyson Purifier Hot+Cool™ Formaldehyde三合一甲醛暖風空氣清新機HP09（價值HK$7,180）、HK$7,000 Apple Gift Card或超市現金券（輸入優惠碼「NLHERO」）
UA 咭數一筆清	1.68%	高達HK$18,000現金獎賞
CreFIT 卡卡貸	1.98%	MoneyHero獨家優惠高達HK$1,000利息回贈
滙豐分期「萬應錢」	2.25%	高達HK$13,888獎賞
WeLend 結餘轉戶貸款	2.78%	高達HK$12,000現金回贈 + MoneyHero獨家優惠HK$8,200現金回贈 + HK$500 Apple Gift Card或惠康現金券
天星銀行Airstar 貸款一筆清	2.99%	高達HK$16,800現金回贈 + MoneyHero獨家優惠HK$4,600超市現金券及HK$400貸款現金券
富邦「卡數清」私人貸款	3.88%	高達HK$18,300超市現金券 + MoneyHero獨家優惠HK$12,000 Apple Gift Card或惠康現金券（輸入推廣碼「MHBT10」）
AEON 「清數易」貸款	4.49%	高達HK$12,500現金回贈
邦民低息結餘轉戶貸款	4.49%	高達HK$1萬現金獎賞
恒生結餘轉戶私人貸款	4.65%	高達HK$26,000現金回贈 + MoneyHero獨家優惠HK$1,000現金回贈（輸入優惠編號「HV3C」）
渣打銀行結餘轉戶計劃	4.67%	高達HK$2萬現金回贈 + HK$2,000旅游禮券 + MoneyHero獨家優惠iPhone 15 Pro 256GB（價值HK$9,399）、HK$8,800 Apple Gift Card或惠康購物現金券
Mox Credit 卡數「即時清」	4.53%	/
星展銀行「貸易清」私人貸款	6.38%	高達HK$18,500超市現金券 + MoneyHero獨家優惠額外HK$300現金券及HK$6,200超市現金券或Apple Gift Card
信銀國際 $mart Plus分期貸款 - 結餘轉戶	7.19%	MoneyHero獨家優惠高達HK$17,800 Apple Gift Card或惠康現金券
Citi 卡數結餘轉戶	8.64%	高達HK$8,000現金券 + MoneyHero獨家優惠HK$800 Apple Store禮品卡或惠康現金券 + iPhone 15 256GB（價值HK$7,699）、HK$1萬Apple Gift Card或超市現金券
K Cash 8折轉會清數貸款	10.26%	/

信用卡清卡數方法：結餘轉戶的優點

由於信用卡利息相當高，實際年利率 (APR) 一般高達30%至40%，每月淨還Min Pay只會利疊利，分分鐘要過十年才可還清款項。簡單而言，結餘轉戶的作用就是以較低利息（APR 一般約5%至19%）的貸款去清卡數或舊債，有助提升TU。

卡數分期 vs 結餘轉戶

一旦卡數太多，手頭一時之間不夠資金還清卡數，究竟申請信用卡分期付款，抑或結餘轉戶更明智？MoneyHero跟大家比較信用卡分期與結餘轉戶貸款之分別。

1.利息支出

欠債最令人擔心的就是隨時間衍生高昂的利息成本。現時信用卡欠款的APR可高達30%或以上，利疊利之下，實在難以還清。相比之下，結餘轉戶的實際年利率約5%至19%左右，較信用卡利息低幾倍。雖然不少信用卡分期付款計劃以「免息」或「低息」吸引客戶，但實際上申請分期大多要繳付額外的手續費、一次性行政費用等，手續費的高低亦會按卡主的信貸額及簽賬額而改變。

2.貸款用途

信用卡分期付款適用於清還本期卡數，欠債金額較小。若果卡主已經累積一大筆卡數，結餘轉戶就會比較適合。一般而言，銀行或借貸機構透過結餘轉戶所借出的金額一定要用來還錢。正因為結餘轉戶限制了批出的資金用途，有助本身理財紀律欠佳的人重新養成良好理財習慣，有效逐步還清卡數。

3.還款期及貸款額

結餘轉戶的還款期可以長達72至84個月，比一般信用卡分期付款提供的3個月至60個月更長，還款更具彈性。在申請結餘轉戶整合債務時，欠債人可按個人財務需要及資金狀況，制定適合的還款計劃。

至於貸款額方面，信用卡分期的貸款額普遍由幾千元至幾萬元不等，適用於償還小額債務，結餘轉戶則通常可以借到18至21倍月薪，有助應付更大額的財務需要。

4.提前還款費用

部分卡主申請信用卡分期付款後，可能打算提早還款以節省利息開支，但事實上提前還款未必可以慳息，因為仍有機會需要支付提前還款費用。卡主可以先向相關借貸機構查詢提前還款手續費及其他費用，才決定是否提早還款。

清卡數方法：善用稅貸清卡數

若適逢稅貸季節，借助低息的稅貸清卡數就不失為一個好方法，因為稅貸的APR一般介乎2%至4%，如達到銀行指定條件甚至可低於2%。但要留意，稅貸一般分12或24個月還款，有些銀行則可分60個月攤還。大家亦可使用本網的私人貸款計算機，計算實際利息支出。

延伸閱讀：【稅貸大戰】銀行稅務貸款比較邊間息最低？邊間多優惠？

清卡數注意：小心「XX結餘轉戶中心」

坊間有不少人自稱來自「XX結餘轉戶中心」，甚至有人會訛稱是來自大型銀行的職員，表示有專家可以協助你做「結餘轉戶」，然後收取手續費或服務費，金額相當於借款額的10%至15%。

MoneyHero提醒大家，要小心留意此類「結餘轉戶中心」的服務條款細則，記住「咪畀錢中介」，勿誤墮圈套！曾有個案表示，貸款申請獲批後，就算借貸人拒絕貸款或未有取得款項，都一樣要付手續費。

事實上，當你向銀行或財務機構申請結餘轉戶計劃時，他們都會有專人協助處理相關程序，如果仍有不明白可以直接向銀行查詢。

清卡數策略 : 優先處理高息貸款

不想債務纏身引致煩惱多多，採取明智的清卡數策略尤其重要，當中一大要點是優先處理較高利息的貸款，從而避免陷入利疊利的無底深潭，、及時為利息支出「止血」，再逐步清還債務。

最理想清卡數時間

港人去吃喝玩樂，往往只需一張信用卡，但識使錢都要識還錢，所以最好的理財方法莫過於即用即找卡數。這樣一來避免承受遲找卡數衍生的龐大利息成本，同時建立良好的借貸記錄將有助提升個人TU。其實，只要做好個人財務規劃，時刻審慎理財，人人就可以盡情享受信用卡帶來的各種消費優惠及樂趣。

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

精選結餘轉戶貸款

安信結餘轉戶計劃

最低實際年利率

1.18

最高貸款額

HK$80萬

手續費

獎賞

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Debug data (Raw)


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   	限時優惠：2023年12月1日中午12時至12月31日下午6時，成功經MoneyHero申請，並於12月31日或之前向安信交齊所有文件，不論貸款額及是否獲批核，可享HK$500 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
 
, 【安信 優惠】送高達HK$12,000現金獎 
 
於2023年10月1日至2023年12月31日，成功申請及提取指定貸款，送高達HK$12,000現金獎
, 產品特色
  安信清卡數專員，免費專業分析每張卡的還款細節，計出最快最省錢的還款方案
 免手續費，免提前還款手續費
 還款期長達72個月
 不設收入要求
 網上申請，即時獲得批核結果
 只限合資格客戶，貸款及優惠詳情，請參閱安信網頁。
 
, 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
   推廣期由2023年10月1日至2023年12月31日止(包括首尾兩日)。優惠須受條款及細則約束，並不可與其他優惠同時使用。安信有權隨時終止有關優惠或修改其詳情及條款及細則而不作另行通知。貸款及優惠詳情，請向安信查詢。安信信貸有限公司擁有對貸款審批及任何爭議之最終決定權。
 
忠告：借錢梗要還，咪俾錢中介
查詢及投訴熱線：2111 2999
放債人牌照號碼：759/2023
 ]}, eligibility=[], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=800000.0, apr=1.18, eir=null, interestRate=0.05, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

Debug data


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WeLab Bank 清卡數貸款

最低實際年利率

1.68

最高貸款額

HK$150萬/月薪18倍

手續費

獎賞

更多資訊

隱藏信息

產品特色

Debug data (JSON)

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受僱 - 固定收入：最近一個月；
自由工作者或受僱 - 浮動收入：最近三個月

公司擁有人：
最近三個月個人戶口月結單，及
最近六個月的公司戶口月結單或薪俸税税單繳税通知書

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 \t最終審批的貸款金額、利率及還款期需視乎信貸批核情況而定。
 \t借定唔借？還得到先好借！
 
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","【優惠1及2】 客戶完成以下條件可享高達HK$24,087 WeLab Bank現金獎賞及MoneyHero獨家獎賞
   \t於2023年12月1日至12月31日，使用MoneyHero優惠碼「NLHERO」成功申請及提取WeLab Bank清卡數貸款可享：
 
   \t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t   \t\t\tWeLab Bank現金獎賞
 \t\t\t  \t\t\tMoneyHero獨家獎賞
 \t\t\t
貸款額 \t還款期24個月或以上及36個月以下  \t\t\t還款期36個月或以上
 \t\t\t  \t\t\t\t還款期24個月或以上及36個月以下
 \t\t\t  \t\t\t還款期36個月或以上
 \t\t\t
HK$1,000,000 至 HK$1,500,000  \t\t\tHK$7,000
 \t\t\t  \t\t\t HK$13,888 
 \t\t\t  \t\t\tHK$1,500 惠康購物現金券
 \t\t\t  \t\t\t選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或
  \t\t\t選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券
  \t\t\t
  \t\t\t\t\t\t
HK$400,000 至 HK$999,999  \t\t\tHK$3,000
 \t\t\t  \t\t\t HK$5,000 
 \t\t\t  \t\t\tHK$1,000 惠康購物現金券
 \t\t\t  \t\t\t選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或
  \t\t\t選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券
  \t\t\t
HK$200,000 至 HK$399,999 HK$2,000 HK$3,000 HK$1,000 惠康購物現金券 HK$3,000 惠康購物現金券
HK$100,000 至 HK$199,999 / HK$500 / HK$2,000 惠康購物現金券
 
   \t所有獨家優惠均以顏色隨機形式發放
 
  如要領取MoneyHero獨家優惠：
   \t申請時請記下申請參考編號（以AA開頭的12位參考編號）。建議一次過交齊所需文件，以加快批核程序
 \t收到表格後7日内，請填妥及遞交較早前經電郵發送之「獎賞換領表格」，供MoneyHero與匯立銀行核對獎賞資格
 \t申請小貼士﹕  \t \t\t申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 \t
 \t
 \t受條款及細則約束
 
","產品特色
  全程手機完成，無須露面，足不出戶亦可借貸
 減低利息支出高達97%，兼享HK$0手續費
 專業團隊度身訂造個人化還款方案，整合卡數，輕鬆還清債務
 貸款額更高達HK$1,500,000或18倍月薪 (以較低者為準)
 還款期可長達72個月
 
"],"title":"Features"},"functional":{"defaults":{"loanAmount":100000,"loanTenure":24},"fees":[{"description":{"longDescription":"","shortDescription":"","tooltip":""},"type":{"display":"手續費","key":"PL_HANDLING_FEE"},"value":"0"}],"metaData":{"alias":"welab-bank-goflexi-loan-debt-consolidation"},"rateTableEntries":[{"apr":1.68,"eir":null,"fees":[],"interestRate":0.07,"loanAmountMax":1500000.0,"loanAmountMin":10000.0,"loanTenureMax":60,"loanTenureMin":12}]},"id":"blt64552fcbccef0f6d_5_zh-hk","image":{"description":"","dimension":null,"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt358b6113372bc7b5/60bf50fd85c4c2118e316b15/Logo_WeLabBank_RGB-14.png"},"imageOrientation":"LANDSCAPE","interestRate":null,"monthlyRepayment":null,"needCategories":[],"offers":null,"offersFaq":null,"productName":"WeLab Bank 清卡數貸款","promotional":{"bannerImage":null,"bannerText":"【12月31日截止】經MoneryHero優惠碼NLHERO申請，不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券，經MoneyHero優惠碼成功申請及提取貸款，再享高達HK$23,287獎賞（包括獨家優惠HK$8,500 Apple Store禮品卡 ／ 惠康購物現金券或iPhone 15 Pro 256 GB (價值HK$9,399)! 獎賞總值高達HK$24,087!全港獨家慳息承諾，保證利息慳足HK$5萬，少HK$1都送HK$5萬！
透過智能演算提供3個適合你嘅計劃
最快即日過數
","countdown":{"date":{"endDate":"2022-04-29T10:00:00.000Z","startDate":null},"displayProductPage":true,"text":"快閃倒數"},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0},"type":[{"display":"MoneyHero獨家優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"welab-bank","providerName":"匯立銀行 WeLab Bank"},"rawFunctionalPl":{"defaults":{"loanAmount":100000,"loanTenure":24},"fees":[{"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","description":{"longDescription":"","shortDescription":"","tooltip":""},"feeInterval":"MONTHLY","paymentMethod":"ADD_TO_REPAYMENT_WITH_INTEREST","type":{"display":"手續費","key":"PL_HANDLING_FEE"},"value":0}],"interestRateInterval":"MONTHLY","loanType":"FLAT_INTEREST_RATE","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":1.68,"eir":null,"fees":[],"interestRate":0.07,"loanAmountMax":1500000.0,"loanAmountMin":10000.0,"loanTenureMax":60,"loanTenureMin":12,"transferRate":null}],"repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[{"display":"永久居民","key":"PERMANENT_RESIDENT"}],"criteriaDetails":[],"eligibleOccupations":[],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"","title":"HK.PL.WELA0002.GOFLEXILOANDEBTCONSOLIDATION","totalRepayment":null}

Debug data (Print)


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width:12.1111%"><strong>&nbsp;</strong></td> 			<td colspan="2" style="text-align:left; width:35.4031%"> 			<p style="text-align:center"><strong>WeLab Bank現金獎賞</strong></p> 			</td> 			<td colspan="2" style="text-align:left; width:26.5231%"> 			<p style="text-align:center"><strong>MoneyHero獨家獎賞</strong></p> 			</td> 		</tr> 		<tr> 			<td style="height:30px; text-align:left; width:12.1111%"><strong>貸款額</strong></td> 			<td style="text-align:left; width:19.4329%"><strong>	還款期24個月或以上及36個月以下</strong></td> 			<td style="text-align:left; width:15.9702%"> 			<p><strong>還款期36個月或以上</strong></p> 			</td> 		<td style="text-align:left; width:26.5231%"> 			<p><strong>	還款期24個月或以上及36個月以下</strong></p> 			</td>	 	<td style="text-align:left; width:26.5231%"> 			<p><strong>還款期36個月或以上</strong></p> 			</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:12.1111%">HK$1,000,000 至 HK$1,500,000</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:19.4329%"> 			<p>HK$7,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.9702%"> 			 <p>HK$13,888 </p> 			</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:26.5231%"> 			<p>HK$1,500 惠康購物現金券</p> 			</td>	<td style="border-top:1px solid #a9a9a9; text-align:left; width:26.5231%"> 			<p>選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或</p>  			<p>選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券</p>  			</p>  						</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%">HK$400,000 至 HK$999,999</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:19.4329%"> 			<p>HK$3,000</p> 			</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.9702%"> 			 <p>HK$5,000 </p> 			</td> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%"> 			<p>HK$1,000 惠康購物現金券</p> 			</td><td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%"> 			<p>選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或</p>  			<p>選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券</p>  			</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%">HK$200,000 至 HK$399,999</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:19.4329%">HK$2,000</td><td style="border-top:1px solid #a9a9a9; text-align:left; width:19.4329%">HK$3,000</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.9702%">HK$1,000 惠康購物現金券</td> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%">HK$3,000 惠康購物現金券</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%">HK$100,000 至 HK$199,999</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:19.4329%">/</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.9702%">HK$500</td> 			<td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%">/</td><td style="border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%">HK$2,000 惠康購物現金券</td> 		</tr> 	</tbody> </table>  <ul> 	<li>所有獨家優惠均以顏色隨機形式發放</li> </ul>  <p><strong>如要領取MoneyHero獨家優惠：</strong></p>  <ul> 	<li>申請時請記下申請參考編號（以AA開頭的12位參考編號）。建議一次過交齊所需文件，以加快批核程序</li> 	<li><strong>收到表格後7日内</strong>，請填妥及遞交較早前經電郵發送之「獎賞換領表格」，供MoneyHero與匯立銀行核對獎賞資格</li> 	<li><strong>申請小貼士﹕</strong>&nbsp; 	<ul> 		<li>申請產品前請關掉AdBlocker及「私人模式」：<a href="https://moneyhero.link/pl-welab-debtcon-tnc-listing">3項設定讓你順利取得MoneyHero獨家優惠</a></li> 	</ul> 	</li> 	<li>受<a href="https://moneyhero.link/pl-welab-bank-dc-tnc-listing" rel="noopener" target="_blank">條款及細則</a>約束</li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>全程手機完成，無須露面，足不出戶亦可借貸</li> <li>減低利息支出高達97%，兼享HK$0手續費</li> <li>專業團隊度身訂造個人化還款方案，整合卡數，輕鬆還清債務</li> <li>貸款額更高達HK$1,500,000或18倍月薪 (以較低者為準)</li> <li>還款期可長達72個月</li> </ul>], cons=[<p><strong>注意事項</strong></p>  <ul> 	<li>最快即日過數﹕由確認貸款協議書後起計，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>最終審批的貸款金額、利率及還款期需視乎信貸批核情況而定。</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=120000, description={shortDescription=HK$120,000, longDescription=, 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={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於匯立銀行手機應用程式申請<br>2. 上載文件<br>3. 確認及批核<br>4. 發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 最近三個月發出的住址證明<br>2. 薪金證明<br>受僱 - 固定收入：最近一個月；<br>自由工作者或受僱 - 浮動收入：最近三個月<br><br>公司擁有人：<br>最近三個月個人戶口月結單，及<br>最近六個月的公司戶口月結單或薪俸税税單繳税通知書<br><br>}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1500000.0, apr=1.68, eir=null, interestRate=0.07, fees=[], transferRate=null}], fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=MONTHLY, value=0, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=ADD_TO_REPAYMENT_WITH_INTEREST, description={shortDescription=, longDescription=, tooltip=}}], 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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透過智能演算提供3個適合你嘅計劃
最快即日過數
, bannerImage=null, countdown={text=快閃倒數, displayProductPage=true, date={startDate=null, endDate=2022-04-29T10:00:00.000Z}}, 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=413440000, displayValue=413,440, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=8613333, displayValue=8,613, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1680, displayValue=1.68, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaQmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvd2VsYWItYmFuay1kZWJ0LWNvbnNvbGlkYXRpb24tbG9hbi1wbC16aC1ycA.Po6Z7MAPv8sP2PjtxUEs5QMsfCAjYLmEQ1ckHnBwga_8YOhn4j0E2R9lF8Bl4_7swtKfxkCzUH5YZODgv7AaDg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=welab-bank-goflexi-loan-debt-consolidation}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1500000.0, apr=1.68, eir=null, interestRate=0.07, fees=[]}], fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=0, description={shortDescription=, longDescription=, tooltip=}}], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=welab-bank, providerName=匯立銀行 WeLab Bank}, description={shortDescription=[減低利息支出高達97%，兼享HK$0手續費, 最快只需3步即時完成申請，全程經手機WeLab Bank App輕鬆辦妥]}, productName=WeLab Bank 清卡數貸款, title=HK.PL.WELA0002.GOFLEXILOANDEBTCONSOLIDATION, 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12月1日中午12時至2023年12月31日下午6時，成功經MoneyHero優惠碼NLHERO申請清卡數貸款，並於2023年12月31日或之前向銀行交齊所有文件，不論貸款額及是否獲批核，可享HK$800 Apple Store禮品卡 / 惠康現金券
 	如欲了解優惠詳情，請參閱條款及細則
 
, 【優惠1及2】 客戶完成以下條件可享高達HK$24,087 WeLab Bank現金獎賞及MoneyHero獨家獎賞
   	於2023年12月1日至12月31日，使用MoneyHero優惠碼「NLHERO」成功申請及提取WeLab Bank清卡數貸款可享：
 
   	 		 			   			 			WeLab Bank現金獎賞
 			  			 			MoneyHero獨家獎賞
 			  		
 		 			貸款額  				還款期24個月或以上及36個月以下  			 			還款期36個月或以上
 			  		 				還款期24個月或以上及36個月以下
 			 	 	 			還款期36個月或以上
 			 	
 		 			HK$1,000,000 至 HK$1,500,000  			 			HK$7,000
 			  			 			 HK$13,888 
 			  			 			HK$1,500 惠康購物現金券
 			 	 			選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或
  			選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券
  			
  						  		
 		 			HK$400,000 至 HK$999,999  			 			HK$3,000
 			  			 			 HK$5,000 
 			  			 			HK$1,000 惠康購物現金券
 			  			選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或
  			選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券
  			  		
 		 			HK$200,000 至 HK$399,999  			HK$2,000 HK$3,000  			HK$1,000 惠康購物現金券  			HK$3,000 惠康購物現金券  		
 		 			HK$100,000 至 HK$199,999  			/  			HK$500  			/ HK$2,000 惠康購物現金券  		
 	
 
   	所有獨家優惠均以顏色隨機形式發放
 
  如要領取MoneyHero獨家優惠：
   	申請時請記下申請參考編號（以AA開頭的12位參考編號）。建議一次過交齊所需文件，以加快批核程序
 	收到表格後7日内，請填妥及遞交較早前經電郵發送之「獎賞換領表格」，供MoneyHero與匯立銀行核對獎賞資格
 	申請小貼士﹕  	 		申請產品前請關掉AdBlocker及「私人模式」：3項設定讓你順利取得MoneyHero獨家優惠
 	
 	
 	受條款及細則約束
 
, 產品特色
  全程手機完成，無須露面，足不出戶亦可借貸
 減低利息支出高達97%，兼享HK$0手續費
 專業團隊度身訂造個人化還款方案，整合卡數，輕鬆還清債務
 貸款額更高達HK$1,500,000或18倍月薪 (以較低者為準)
 還款期可長達72個月
 
], cons=[注意事項
   	最快即日過數﹕由確認貸款協議書後起計，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
 	最終審批的貸款金額、利率及還款期需視乎信貸批核情況而定。
 	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=120000, description={shortDescription=HK$120,000, longDescription=, 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={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於匯立銀行手機應用程式申請
2. 上載文件
3. 確認及批核
4. 發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 最近三個月發出的住址證明
2. 薪金證明
受僱 - 固定收入：最近一個月；
自由工作者或受僱 - 浮動收入：最近三個月

公司擁有人：
最近三個月個人戶口月結單，及
最近六個月的公司戶口月結單或薪俸税税單繳税通知書

}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=60, loanAmountMin=10000.0, loanAmountMax=1500000.0, apr=1.68, eir=null, interestRate=0.07, fees=[], transferRate=null}], fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=MONTHLY, value=0, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=ADD_TO_REPAYMENT_WITH_INTEREST, description={shortDescription=, longDescription=, tooltip=}}], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

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超市現金券</strong>，經MoneyHero優惠碼成功申請及提取貸款，再享<strong>高達HK$23,287獎賞（包括獨家優惠HK$8,500 Apple Store禮品卡 ／ 惠康購物現金券或iPhone 15 Pro 256 GB (價值HK$9,399)! 獎賞總值高達HK$24,087!</strong><ul><li>全港獨家慳息承諾，保證利息慳足HK$5萬，少HK$1都送HK$5萬！<span></span></li><li>透過智能演算提供3個適合你嘅計劃</li><li>最快即日過數</li></ul>","bannerImage":null,"countdown":{"text":"快閃倒數","displayProductPage":true,"date":{"startDate":null,"endDate":"2022-04-29T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":413440000,"displayValue":"413,440","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":8613333,"displayValue":"8,613","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1680,"displayValue":"1.68","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaQmh0dHBzOi8vbW9uZXloZXJvLmxpbmsvd2VsYWItYmFuay1kZWJ0LWNvbnNvbGlkYXRpb24tbG9hbi1wbC16aC1ycA.Po6Z7MAPv8sP2PjtxUEs5QMsfCAjYLmEQ1ckHnBwga_8YOhn4j0E2R9lF8Bl4_7swtKfxkCzUH5YZODgv7AaDg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"welab-bank-goflexi-loan-debt-consolidation"},"rateTableEntries":[{"loanTenureMin":12,"loanTenureMax":60,"loanAmountMin":10000.0,"loanAmountMax":1500000.0,"apr":1.68,"eir":null,"interestRate":0.07,"fees":[]}],"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"value":"0","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"welab-bank","providerName":"匯立銀行 WeLab Bank"},"description":{"shortDescription":["減低利息支出高達97%，兼享HK$0手續費","最快只需3步即時完成申請，全程經手機WeLab Bank App輕鬆辦妥"]},"productName":"WeLab Bank 清卡數貸款","title":"HK.PL.WELA0002.GOFLEXILOANDEBTCONSOLIDATION","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12月1日中午12時至2023年12月31日下午6時，成功經MoneyHero優惠碼<strong>NLHERO</strong>申請清卡數貸款，並於2023年12月31日或之前向銀行交齊所有文件，不論貸款額及是否獲批核，可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/welab-bank-800-exclusive-offer-tnc-listing\">條款及細則</a></li> </ul>","<p><strong>【優惠1及2】 客戶完成以下條件可享高達HK$24,087 WeLab Bank現金獎賞及MoneyHero獨家獎賞</strong></p>  <ul> \t<li>於2023年12月1日至12月31日，使用MoneyHero優惠碼「NLHERO」成功申請及提取WeLab Bank清卡數貸款可享：</li> </ul>  <table style=\"width:97.5835%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"text-align:left; width:12.1111%\"><strong>&nbsp;</strong></td> \t\t\t<td colspan=\"2\" style=\"text-align:left; width:35.4031%\"> \t\t\t<p style=\"text-align:center\"><strong>WeLab Bank現金獎賞</strong></p> \t\t\t</td> \t\t\t<td colspan=\"2\" style=\"text-align:left; width:26.5231%\"> \t\t\t<p style=\"text-align:center\"><strong>MoneyHero獨家獎賞</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:left; width:12.1111%\"><strong>貸款額</strong></td> \t\t\t<td style=\"text-align:left; width:19.4329%\"><strong>\t還款期24個月或以上及36個月以下</strong></td> \t\t\t<td style=\"text-align:left; width:15.9702%\"> \t\t\t<p><strong>還款期36個月或以上</strong></p> \t\t\t</td> \t\t<td style=\"text-align:left; width:26.5231%\"> \t\t\t<p><strong>\t還款期24個月或以上及36個月以下</strong></p> \t\t\t</td>\t \t<td style=\"text-align:left; width:26.5231%\"> \t\t\t<p><strong>還款期36個月或以上</strong></p> \t\t\t</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:12.1111%\">HK$1,000,000 至 HK$1,500,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\"> \t\t\t<p>HK$7,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\"> \t\t\t <p>HK$13,888 </p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:26.5231%\"> \t\t\t<p>HK$1,500 惠康購物現金券</p> \t\t\t</td>\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:26.5231%\"> \t\t\t<p>選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或</p>  \t\t\t<p>選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券</p>  \t\t\t</p>  \t\t\t\t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$400,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\"> \t\t\t<p>HK$3,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\"> \t\t\t <p>HK$5,000 </p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\"> \t\t\t<p>HK$1,000 惠康購物現金券</p> \t\t\t</td><td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\"> \t\t\t<p>選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或</p>  \t\t\t<p>選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券</p>  \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$200,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">HK$2,000</td><td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\">HK$1,000 惠康購物現金券</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\">HK$3,000 惠康購物現金券</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">/</td> 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<li>專業團隊度身訂造個人化還款方案，整合卡數，輕鬆還清債務</li> <li>貸款額更高達HK$1,500,000或18倍月薪 (以較低者為準)</li> <li>還款期可長達72個月</li> </ul>"],"cons":["<p><strong>注意事項</strong></p>  <ul> \t<li>最快即日過數﹕由確認貸款協議書後起計，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> \t<li>最終審批的貸款金額、利率及還款期需視乎信貸批核情況而定。</li> \t<li>借定唔借？還得到先好借！</li> 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width:12.1111%\"><strong>&nbsp;</strong></td> \t\t\t<td colspan=\"2\" style=\"text-align:left; width:35.4031%\"> \t\t\t<p style=\"text-align:center\"><strong>WeLab Bank現金獎賞</strong></p> \t\t\t</td> \t\t\t<td colspan=\"2\" style=\"text-align:left; width:26.5231%\"> \t\t\t<p style=\"text-align:center\"><strong>MoneyHero獨家獎賞</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:30px; text-align:left; width:12.1111%\"><strong>貸款額</strong></td> \t\t\t<td style=\"text-align:left; width:19.4329%\"><strong>\t還款期24個月或以上及36個月以下</strong></td> \t\t\t<td style=\"text-align:left; width:15.9702%\"> \t\t\t<p><strong>還款期36個月或以上</strong></p> \t\t\t</td> \t\t<td style=\"text-align:left; width:26.5231%\"> \t\t\t<p><strong>\t還款期24個月或以上及36個月以下</strong></p> \t\t\t</td>\t \t<td style=\"text-align:left; width:26.5231%\"> \t\t\t<p><strong>還款期36個月或以上</strong></p> \t\t\t</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:12.1111%\">HK$1,000,000 至 HK$1,500,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\"> \t\t\t<p>HK$7,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\"> \t\t\t <p>HK$13,888 </p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:26.5231%\"> \t\t\t<p>HK$1,500 惠康購物現金券</p> \t\t\t</td>\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:26.5231%\"> \t\t\t<p>選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或</p>  \t\t\t<p>選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券</p>  \t\t\t</p>  \t\t\t\t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$400,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\"> \t\t\t<p>HK$3,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\"> \t\t\t <p>HK$5,000 </p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\"> \t\t\t<p>HK$1,000 惠康購物現金券</p> \t\t\t</td><td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\"> \t\t\t<p>選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或</p>  \t\t\t<p>選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券</p>  \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$200,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">HK$2,000</td><td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.9702%\">HK$1,000 惠康購物現金券</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:26.5231%\">HK$3,000 惠康購物現金券</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:30px; text-align:left; width:12.1111%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:19.4329%\">/</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; 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UA 咭數一筆清

最低實際年利率

1.68

最高貸款額

HK$200萬

手續費

獎賞

更多資訊

隱藏信息

產品特色

Debug data (JSON)

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2. 最近一期之入息證明文件，例如：糧單、稅單、顯示入息之銀行月結單/存摺或強積金供款證明
3. 工作證明文件
4. 現居住址證明，例如：水、電費單、銀行月結單

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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
  大額貸款，集中還款慳利息
 利息支出，大大減低
 還款期數，盡在掌握
 彈性利率，度身訂造
 貸款額高達HK$2,000,000
 還款期長達60個月；免任何手續費
 「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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Debug data (Print)


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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>大額貸款，集中還款慳利息</li> <li>利息支出，大大減低</li> <li>還款期數，盡在掌握</li> <li>彈性利率，度身訂造</li> <li>貸款額高達HK$2,000,000</li> <li>還款期長達60個月；免任何手續費</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=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={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港居民身份證<br>2. 最近一期之入息證明文件，例如：糧單、稅單、顯示入息之銀行月結單/存摺或強積金供款證明<br>3. 工作證明文件<br>4. 現居住址證明，例如：水、電費單、銀行月結單<br><br>}], 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)


    {__typename=PersonalLoan, id=blt04132616e2ca898f_23_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltd2f3e48853c5307d/629892efa3e9730f695d002a/UA-logo-new.png, description=, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=【12月31日截止】成功申請及提取指定貸款額，即享現金獎高達HK$18,000！, bannerImage=null, countdown={text=快閃倒數, displayProductPage=true, date={startDate=null, endDate=2022-04-29T10:00:00.000Z}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=WELCOME_GIFT, display=最新優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=101749600, displayValue=101,750, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=4239566, displayValue=4,240, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1680, displayValue=1.68, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaqgFodHRwczovL3d3dy51YWYuY29tLmhrL3RjL2xvYW5zL2RlYnRzLWNvbnNvbGlkYXRpb24tbG9hbi9taD9zdGVwPWRjbWgtY29udGFjdCZ1dG1fY2FtcGFpZ249ZGNsb2FuK2FjK3BhJnV0bV9zb3VyY2U9YWdndC1tb25leWhlcm8mdXRtX21lZGl1bT1sb2FuLWxpc3RpbmcmdXRtX3Rlcm09YWxsLWRldg.Q-8gNt0ptvRa55sinLwgigxUImpvGJFoXNF8FxXmCz-eWvWv0UlM7DT2XjwjxrKUeZStFkhIY_3fIQctIPdhCw, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=ua-finance-debts-consolidation-loan}, rateTableEntries=[{loanTenureMin=3, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.081, fees=[]}, {loanTenureMin=7, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0755, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0729, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.072, fees=[]}, {loanTenureMin=37, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=1000000.0, apr=1.68, eir=null, interestRate=0.0715, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=united-asia-finance, providerName=亞洲聯合財務}, description={shortDescription=[貸款額高達HK$2,000,000, 還款期長達60個月]}, productName=UA 咭數一筆清, title=HK.PL.UAFX0001.DEBTSCONSOLIDATIONLOAN, features={title=Features, 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。
   	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
  大額貸款，集中還款慳利息
 利息支出，大大減低
 還款期數，盡在掌握
 彈性利率，度身訂造
 貸款額高達HK$2,000,000
 還款期長達60個月；免任何手續費
 「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=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={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港居民身份證
2. 最近一期之入息證明文件，例如：糧單、稅單、顯示入息之銀行月結單/存摺或強積金供款證明
3. 工作證明文件
4. 現居住址證明，例如：水、電費單、銀行月結單

}], 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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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; 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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>大額貸款，集中還款慳利息</li> <li>利息支出，大大減低</li> <li>還款期數，盡在掌握</li> <li>彈性利率，度身訂造</li> <li>貸款額高達HK$2,000,000</li> <li>還款期長達60個月；免任何手續費</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":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":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港居民身份證<br>2. 最近一期之入息證明文件，例如：糧單、稅單、顯示入息之銀行月結單/存摺或強積金供款證明<br>3. 工作證明文件<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>大額貸款，集中還款慳利息</li> <li>利息支出，大大減低</li> <li>還款期數，盡在掌握</li> <li>彈性利率，度身訂造</li> <li>貸款額高達HK$2,000,000</li> <li>還款期長達60個月；免任何手續費</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":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":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港居民身份證<br>2. 最近一期之入息證明文件，例如：糧單、稅單、顯示入息之銀行月結單/存摺或強積金供款證明<br>3. 工作證明文件<br>4. 現居住址證明，例如：水、電費單、銀行月結單<br><br>"}],"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=1695110866339, hs_is_edited=false, hs_deleted_at=0, productname=UA 咭數一筆清, hs_name=, hs_updated_by_user_id=26791207}})

CreFIT 卡卡貸

最低實際年利率

1.98%

最高貸款額

HK$40萬

手續費

獎賞

更多資訊

隱藏信息

產品特色

Debug data (JSON)

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 查詢及投訴熱線：6369 2338
 放債人牌照號碼：0462/2023
 維信金融財務有限公司"],"pros":["MoneyHero 獨家優惠
 MoneyHero 獨家優惠: 經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。有關不同之清還金額可獲得之現金回贈金額詳列如下:
   清還金額    現金回贈  
   HK$500 – HK$20,000   HK$300  
   HK$20,001 – HK$50,000   HK$500  
   HK$50,001 – HK$200,000   HK$1,000  
 
 
現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。
","7日免息還款期丶高達HK$1,000利息回贈 
 2023年9月13日至2023年12月31日，全新客戶經MoneyHero成功申請並提取指定貸款額，可享7日免息還款期及高達HK$1,000利息回贈
","不查閱信貸報告，不影響信貸評級","7日免息貸款冷靜期","貸款額高達HK$200,000","還款期為3、6、9、12、18或24個月"],"title":"Features"},"functional":{"defaults":{"loanAmount":200000,"loanTenure":24},"fees":[],"metaData":{"alias":"crefit-personal-loan"},"rateTableEntries":[{"apr":1.98,"eir":null,"fees":[],"interestRate":0.089,"loanAmountMax":400000.0,"loanAmountMin":500.0,"loanTenureMax":48,"loanTenureMin":1}]},"id":"bltba6782c2afc1aa96_3_zh-hk","image":{"description":null,"dimension":null,"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt0e9e7aba2e56d360/6517a522375d98bb9f9cd302/01-CreFIT-Product-Horizontal-logo-Chi_(1).jpg"},"imageOrientation":"LANDSCAPE","interestRate":null,"monthlyRepayment":null,"needCategories":[],"offers":null,"offersFaq":null,"productName":"CreFIT 卡卡貸","promotional":{"bannerImage":{"description":null,"dimension":null,"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt6a01109890027a56/652e07b77a7a1671758bf5f5/20231013_[PL]_CreFIT_-_New_PL_product_D-PJ23_0716_Campaign_V01_Static_Banner_TC_GIF_frame_1_(1600_x_400).jpg"},"bannerText":"【12月31日截止】經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。","countdown":{"date":{"endDate":null,"startDate":null},"displayProductPage":false,"text":""},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0},"type":[{"display":"MoneyHero獨家優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"crefit","providerName":"CreFit"},"rawFunctionalPl":{"defaults":{"loanAmount":200000,"loanTenure":24},"fees":[],"interestRateInterval":"MONTHLY","loanType":"FLAT_INTEREST_RATE","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":1.98,"eir":null,"fees":[],"interestRate":0.089,"loanAmountMax":400000.0,"loanAmountMin":500.0,"loanTenureMax":48,"loanTenureMin":1,"transferRate":null}],"repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[{"display":"永久居民","key":"PERMANENT_RESIDENT"}],"criteriaDetails":[],"eligibleOccupations":[{"display":"PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY","key":"PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY"}],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"","title":"HK.PL.CFIT0001.CREFIT","totalRepayment":null}

Debug data (Print)


    (SizeLimitingPyMap: {__typename=PersonalLoan, id=bltba6782c2afc1aa96_3_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt0e9e7aba2e56d360/6517a522375d98bb9f9cd302/01-CreFIT-Product-Horizontal-logo-Chi_(1).jpg, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=<strong>【12月31日截止】</strong>經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。, bannerImage={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt6a01109890027a56/652e07b77a7a1671758bf5f5/20231013_[PL]_CreFIT_-_New_PL_product_D-PJ23_0716_Campaign_V01_Static_Banner_TC_GIF_frame_1_(1600_x_400).jpg, description=null, dimension=null}, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=102136000, displayValue=102,136, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=4255666, displayValue=4,256, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1980, displayValue=1.98, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2ZpdC1ycC16aA.NFrfaaUiLnk-aeErsVKG9hRZmDFTb8gr2AW3ojsVRsjSuuGsugsGneFw-up5AwkYV3ysfMu1d3WfFiR-TCivAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=crefit-personal-loan}, rateTableEntries=[{loanTenureMin=1, loanTenureMax=48, loanAmountMin=500.0, loanAmountMax=400000.0, apr=1.98, eir=null, interestRate=0.089, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=200000}}, provider={alias=crefit, providerName=CreFit}, description={shortDescription=[7日免息還款期, 高達HK$1,000利息回贈]}, productName=CreFIT 卡卡貸, title=HK.PL.CFIT0001.CREFIT, features={title=Features, pros=[<p><strong>MoneyHero 獨家優惠</strong></p> <ul><li>MoneyHero 獨家優惠: 經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。有關不同之清還金額可獲得之現金回贈金額詳列如下:</br><table style="width: 40%;" border="1"> <tbody> <tr> <td>清還金額&nbsp;</td> <td>&nbsp;現金回贈</td> </tr> <tr> <td>&nbsp;HK$500 &ndash; HK$20,000</td> <td>&nbsp;HK$300</td> </tr> <tr> <td>&nbsp;HK$20,001 &ndash; HK$50,000</td> <td>&nbsp;HK$500</td> </tr> <tr> <td>&nbsp;HK$50,001 &ndash; HK$200,000</td> <td>&nbsp;HK$1,000</td> </tr> </tbody> </table>現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。</li></ul>, <p><strong>7日免息還款期丶高達HK$1,000利息回贈 </strong></p> <ul><li>2023年9月13日至2023年12月31日，全新客戶經MoneyHero成功申請並提取指定貸款額，可享7日免息還款期及高達HK$1,000利息回贈</li></ul>, 不查閱信貸報告，不影響信貸評級, 7日免息貸款冷靜期, 貸款額高達HK$200,000, 還款期為3、6、9、12、18或24個月], cons=[以貸款額HK$200,000、還款期24個月及一年有365天或366天為計算基礎，實際年利率及每月平息（採用香港銀行公會所載嘅有關指引計算）分別以8%及0.343%為例計算，每月還款額及全期利息金額為HK$9,019.33及HK$16,464.00, 本貸款產品不設任何提取費用或年費。如有應還款項於到期日未能全數償還，則每次逾期須繳付HK$300固定手續費, 申請者須為18歲或以上香港永久性居民，並提供香港本地手提電話號碼，且平均月薪達$5,000, 實際年利率為1.98%-47.00%, 受<a href="https://vhk.vcredit.com.hk/pub/zh/remark" target="_blank" rel="noopener">條款及細則</a>約束, 忠告：借錢梗要還、咪俾錢中介</br> 查詢及投訴熱線：6369 2338</br> 放債人牌照號碼：0462/2023</br> 維信金融財務有限公司]}, eligibility=[{type={key=MINIMUM_MONTHLY_INCOME, display=最低開戶金額}, value=5000, description={shortDescription=5000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲或以上, longDescription=, 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=[{key=PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY, display=PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY}], businessPriority=false, productPrescore=0.0}, applicationProcess=[], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=48, loanAmountMin=500.0, loanAmountMax=400000.0, apr=1.98, eir=null, interestRate=0.089, 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=bltba6782c2afc1aa96_3_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt0e9e7aba2e56d360/6517a522375d98bb9f9cd302/01-CreFIT-Product-Horizontal-logo-Chi_(1).jpg, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=【12月31日截止】經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。, bannerImage={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt6a01109890027a56/652e07b77a7a1671758bf5f5/20231013_[PL]_CreFIT_-_New_PL_product_D-PJ23_0716_Campaign_V01_Static_Banner_TC_GIF_frame_1_(1600_x_400).jpg, description=null, dimension=null}, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=102136000, displayValue=102,136, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=4255666, displayValue=4,256, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1980, displayValue=1.98, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaJGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2ZpdC1ycC16aA.NFrfaaUiLnk-aeErsVKG9hRZmDFTb8gr2AW3ojsVRsjSuuGsugsGneFw-up5AwkYV3ysfMu1d3WfFiR-TCivAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=crefit-personal-loan}, rateTableEntries=[{loanTenureMin=1, loanTenureMax=48, loanAmountMin=500.0, loanAmountMax=400000.0, apr=1.98, eir=null, interestRate=0.089, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=200000}}, provider={alias=crefit, providerName=CreFit}, description={shortDescription=[7日免息還款期, 高達HK$1,000利息回贈]}, productName=CreFIT 卡卡貸, title=HK.PL.CFIT0001.CREFIT, features={title=Features, pros=[MoneyHero 獨家優惠
 MoneyHero 獨家優惠: 經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 卡卡貸清還不少於HK$500卡數，即可額外獲得高達HK$1,000利息回贈。現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。有關不同之清還金額可獲得之現金回贈金額詳列如下:
   清還金額    現金回贈  
   HK$500 – HK$20,000   HK$300  
   HK$20,001 – HK$50,000   HK$500  
   HK$50,001 – HK$200,000   HK$1,000  
 
 
現金回贈將於2024年4月30日或之前以轉數快存入閣下於CreFIT 應用程式設立之銀行戶口。
, 7日免息還款期丶高達HK$1,000利息回贈 
 2023年9月13日至2023年12月31日，全新客戶經MoneyHero成功申請並提取指定貸款額，可享7日免息還款期及高達HK$1,000利息回贈
, 不查閱信貸報告，不影響信貸評級, 7日免息貸款冷靜期, 貸款額高達HK$200,000, 還款期為3、6、9、12、18或24個月], cons=[以貸款額HK$200,000、還款期24個月及一年有365天或366天為計算基礎，實際年利率及每月平息（採用香港銀行公會所載嘅有關指引計算）分別以8%及0.343%為例計算，每月還款額及全期利息金額為HK$9,019.33及HK$16,464.00, 本貸款產品不設任何提取費用或年費。如有應還款項於到期日未能全數償還，則每次逾期須繳付HK$300固定手續費, 申請者須為18歲或以上香港永久性居民，並提供香港本地手提電話號碼，且平均月薪達$5,000, 實際年利率為1.98%-47.00%, 受條款及細則約束, 忠告：借錢梗要還、咪俾錢中介
 查詢及投訴熱線：6369 2338
 放債人牌照號碼：0462/2023
 維信金融財務有限公司]}, eligibility=[{type={key=MINIMUM_MONTHLY_INCOME, display=最低開戶金額}, value=5000, description={shortDescription=5000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲或以上, longDescription=, 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=[{key=PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY, display=PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY}], businessPriority=false, productPrescore=0.0}, applicationProcess=[], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=48, loanAmountMin=500.0, loanAmountMax=400000.0, apr=1.98, eir=null, interestRate=0.089, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=200000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

Debug data


    (SizeLimitingPyMap: {market=moneyhero, badges={show=false, exclusive={background={color=#CCFBF1, opacity=100, rgba=rgba(204, 251, 241, 1), rgb=rgb(204, 251, 241), hex=#CCFBF1, css=#CCFBF1}, color={color=#0D968B, opacity=100, rgba=rgba(13, 150, 139, 1), rgb=rgb(13, 150, 139), hex=#0D968B, css=#0D968B}, text=Exclusive Offer}, featured={background={color=#FFF6EB, opacity=100, rgba=rgba(255, 246, 235, 1), rgb=rgb(255, 246, 235), hex=#FFF6EB, css=#FFF6EB}, color={color=#E9590C, opacity=100, rgba=rgba(233, 89, 12, 1), rgb=rgb(233, 89, 12), hex=#E9590C, css=#E9590C}, text=Featured}, welcome={background={color=#E5F4FF, opacity=100, rgba=rgba(229, 244, 255, 1), rgb=rgb(229, 244, 255), hex=#E5F4FF, css=#E5F4FF}, color={color=#0080F0, opacity=100, rgba=rgba(0, 128, 240, 1), rgb=rgb(0, 128, 240), hex=#0080F0, css=#0080F0}, text=Welcome Gift}, popular={background={color=#c6b0d9, opacity=100, rgba=rgba(198, 176, 217, 1), rgb=rgb(198, 176, 217), hex=#c6b0d9, css=#c6b0d9}, color={color=#9a6fbf, 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={ad_hoc_comparables=[{comparable_label=最低實際年利率, comparable_value=1.98%}, {comparable_label=最高貸款額, comparable_value=<span style="font-size: 20px;">HK$40萬</span>}, {comparable_label=手續費, comparable_value=0%}], comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}, product={id=81161188045, table_id=4701663, table_name=product_moneyhero, columns={hs_id=81161188045, hs_child_table_id=0, hs_updated_at=1700802094001, hs_published_at=1701792595234, productid=bltba6782c2afc1aa96_3_zh-hk, data={"__typename":"PersonalLoan","id":"bltba6782c2afc1aa96_3_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt0e9e7aba2e56d360/6517a522375d98bb9f9cd302/01-CreFIT-Product-Horizontal-logo-Chi_(1).jpg","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>【12月31日截止】</strong>經MoneyHero 成功於2023年12月31日前申請，並使用CreFIT 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    null


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滙豐分期「萬應錢」

最低實際年利率

2.47%

最高貸款額

HK$300萬/月薪24倍

手續費

獎賞

更多資訊

隱藏信息

產品特色

Debug data (JSON)

{"__typename":"PersonalLoan","applicationProcess":[{"data":"1. 於網上（只適用於匯豐現有客戶）或電話申請\n
2. 上載文件\n
3. 等待批核結果\n
4. 確認及發放貸款","type":{"display":"流程步驟","key":"STEPS_TO_APPLY"}},{"data":"香港身份證（滙豐現有客戶除外）；或工作簽証/受聘合約/受聘文件列明受聘年期（只適用於非持有香港永久性居民身份證之申請者） 
以下其中一項收入證明文件： 
甲、過去一個月（非固定收入申請人**則須提交過去三個月）的銀行月結單或存摺，明確列出每月薪金收入之進賬； 或
乙、顯示過去一個月（非固定收入申請人**則須提交過去三個月）入息存款的銀行月結單或存摺及以下其中一項：最近三個月內發出的發薪單據或最近三個月內發出的有效受聘證明文件以確定申請人職銜/收入信息或最近一年的評稅通知書

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

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  實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。
 實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費
 個別貸款申請所需的實際審批時間可能有差異
 持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期
 客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。
 實際還款額以最終批核結果為準
 所有資料只供參考
 受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。
 借定唔借？還得到先好借！
 
"],"pros":["限時優惠 - 高達HK$8,888 現金回贈
   \t2023年11月8日至2023年12月12日期間，滙豐客戶成功申請滙豐分期「萬應錢」，可獲高達HK$8,888現金回贈：
 
   \t \t\t \t\t\t \t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t貸款金額 現金回贈 (只限12個月至24個月還款期) 現金回贈 (只限25個月至59個月還款期) 現金回贈 (只限60個月還款期) 遞交證明文件優惠現金回贈
HK$100,000 至 HK$299,999 HK$400 HK$1,000 HK$1,000 HK$300
HK$300,000 至 HK$999,999 HK$800 HK$2,000  HK$2,000
HK$1,000,000 至 HK$1,499,999 HK$1,500 HK$2,500 HK$2,500
HK$1,500,000 或以上 HK$2,500 HK$6,000 HK$8,888
 
   \t現金回贈金額將全數於2024年3月31日或之前存入貸款還款戶口
 
","限時優惠 - 高達HK$5,000「獎賞錢」
   \t2023年11月8日至2023年12月12日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：
 
   \t \t\t \t\t\t \t \t\t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t\t \t\t \t\t\t \t\t\t \t\t\t\t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t\t \t\t\t \t\t\t \t\t\t \t\t \t貸款金額 「獎賞錢」 (只限12個月至24個月還款期) 「獎賞錢」 (只限25個月至59個月還款期) 「獎賞錢」 (只限60個月還款期)
HK$100,000 至 $299,999 $400 $1,000 $1,000
HK$300,000 至 $999,999 $800 $2,000  $2,000
HK$1,000,000 至 $1,499,999 $1,500 $2,500 $2,500
HK$1,500,000 或以上 $2,000 $3,000 $5,000
 
   \t「獎賞錢」金額將全數於2024年3月31日或之前存入貸款還款戶口
 「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。
","產品特色
  實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費
 1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明
 最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準
 還款期靈活，自由選擇6個月至60個月
 設有30天冷靜期，豁免提早償還手續費
 可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手
 
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apr=7.88, eir=null, interestRate=0.34, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=7.93, eir=null, interestRate=0.34, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=7.7, eir=null, interestRate=0.33, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=500000.0, loanAmountMax=799999.0, apr=7.44, eir=null, interestRate=0.32, fees=[]}, {loanTenureMin=49, loanTenureMax=54, loanAmountMin=500000.0, loanAmountMax=799999.0, apr=7.41, eir=null, interestRate=0.32, fees=[]}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=799999.0, apr=7.38, eir=null, interestRate=0.32, fees=[]}, {loanTenureMin=1, loanTenureMax=6, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.33, eir=null, interestRate=0.3, fees=[]}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.65, eir=null, interestRate=0.3, fees=[]}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.8, eir=null, interestRate=0.3, fees=[]}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.7, eir=null, interestRate=0.29, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.75, eir=null, interestRate=0.29, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.54, eir=null, interestRate=0.28, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.29, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=49, loanTenureMax=54, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.27, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.25, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=1, loanTenureMax=6, 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interestRate=0.23, fees=[]}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=1500000.0, loanAmountMax=3000000.0, apr=5.34, eir=null, interestRate=0.23, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=hsbc, providerName=HSBC 滙豐銀行}, description={shortDescription=[貸款額高達HK$3,000,000或月薪23倍。, 獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。]}, productName=滙豐 分期「萬應錢」, title=HK.PL.HSBC0001.PERSONALINSTALMENTLOAN, features={title=Features, pros=[<p><strong>限時優惠 - 高達HK$8,888 現金回贈</strong></p>  <ul> 	<li>2023年11月8日至2023年12月12日期間，滙豐客戶成功申請滙豐分期「萬應錢」，可獲高達HK$8,888現金回贈：</li> </ul>  <table style="height:126px; width:100%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:26.1364%"><strong>貸款金額</strong></td> 	<td style="height:36px; text-align:left; width:13.0682%"><strong>現金回贈 (只限12個月至24個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:15.1988%"><strong>現金回贈 (只限25個月至59個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:13.0682%"><strong>現金回贈 (只限60個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:13.9205%"><strong>遞交證明文件優惠現金回贈</strong></td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$100,000 至 HK$299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">HK$400</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$1,000</td> 		<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$1,000</td>	<td rowspan="5" style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.9205%">HK$300</td> 		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$300,000 至 HK$999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">HK$800</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$2,000</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$2,000</td>		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,000,000 至 HK$1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">HK$1,500</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$2,500</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$2,500</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,500,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.1988%">HK$2,500</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$6,000</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">HK$8,888</td>	</tr> 	</tbody> </table>  <ul> 	<li>現金回贈金額將全數於2024年3月31日或之前存入貸款還款戶口</li> </ul>, <p><strong>限時優惠 - 高達HK$5,000「獎賞錢」</strong></p>  <ul> 	<li>2023年11月8日至2023年12月12日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：</li> </ul>  <table style="height:126px; width:100%"> 	<tbody> 		<tr> 			<td style="height:36px; text-align:left; width:26.1364%"><strong>貸款金額</strong></td> 	<td style="height:36px; text-align:left; width:13.0682%"><strong>「獎賞錢」 (只限12個月至24個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:15.1988%"><strong>「獎賞錢」 (只限25個月至59個月還款期)</strong></td> 			<td style="height:36px; text-align:left; width:13.0682%"><strong>「獎賞錢」 (只限60個月還款期)</strong></td> 			</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$100,000 至 $299,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$400</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$1,000</td> 		<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$1,000</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$300,000 至 $999,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$800</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,000</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,000</td>		</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,000,000 至 $1,499,999</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%">$1,500</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,500</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$2,500</td>	</tr> 		<tr> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%">HK$1,500,000 或以上</td> 			<td style="border-top:1px solid #a9a9a9; text-align:left; width:15.1988%">$2,000</td> 			<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$3,000</td> 	<td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%">$5,000</td>	</tr> 	</tbody> </table>  <ul> 	<li>「獎賞錢」金額將全數於2024年3月31日或之前存入貸款還款戶口</li> <li>「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。</li></ul>, <p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費</li> <li>1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明</li> <li>最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準</li> <li>還款期靈活，自由選擇6個月至60個月</li> <li>設有30天冷靜期，豁免提早償還手續費</li> <li>可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手</li> </ul>], cons=[<p><strong>注意事項</strong></p> <ul> <li>實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。</li> <li>實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費</li> <li>個別貸款申請所需的實際審批時間可能有差異</li> <li>持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期</li> <li>客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。</li> <li>實際還款額以最終批核結果為準</li> <li>所有資料只供參考</li> <li>受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。</li> <li>借定唔借？還得到先好借！</li> </ul>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=, longDescription=<p>18歲</p>, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=60000, description={shortDescription=每年收入HK$60,000或以上, longDescription=每年收入HK$60,000或以上, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上（只適用於匯豐現有客戶）或電話申請
<br>2. 上載文件
<br>3. 等待批核結果
<br>4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=香港身份證（滙豐現有客戶除外）；或工作簽証/受聘合約/受聘文件列明受聘年期（只適用於非持有香港永久性居民身份證之申請者） <br>以下其中一項收入證明文件： <br>甲、過去一個月（非固定收入申請人**則須提交過去三個月）的銀行月結單或存摺，明確列出每月薪金收入之進賬； 或<br>乙、顯示過去一個月（非固定收入申請人**則須提交過去三個月）入息存款的銀行月結單或存摺及以下其中一項：最近三個月內發出的發薪單據或最近三個月內發出的有效受聘證明文件以確定申請人職銜/收入信息或最近一年的評稅通知書<br><br>於申請貸款時最近一個月（非固定收入申請人**則須提交過去三個月）經滙豐自動轉賬支薪的滙豐現有客戶，申請時毋須提交入息證明。但本行保留隨時要求客戶提供有關證明文件的權利。 <br><br>**非固定收入申請人包括以兼職、佣金或利潤分享為收入的客戶。}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.32, eir=null, interestRate=0.66, fees=[], transferRate=null}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.0, eir=null, interestRate=0.66, fees=[], transferRate=null}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.3, eir=null, 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Debug data (Raw)


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{loanTenureMin=13, loanTenureMax=18, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.7, eir=null, interestRate=0.29, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.75, eir=null, interestRate=0.29, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.54, eir=null, interestRate=0.28, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.29, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=49, loanTenureMax=54, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.27, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=6.25, eir=null, interestRate=0.27, fees=[]}, {loanTenureMin=1, loanTenureMax=6, loanAmountMin=1500000.0, loanAmountMax=null, apr=2.08, eir=null, interestRate=0.1, fees=[]}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=1500000.0, loanAmountMax=null, apr=2.2, eir=null, interestRate=0.1, fees=[]}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=1500000.0, loanAmountMax=null, apr=2.25, eir=null, interestRate=0.1, fees=[]}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=1500000.0, loanAmountMax=3000000.0, apr=5.77, eir=null, interestRate=0.25, fees=[]}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=1500000.0, loanAmountMax=null, apr=5.81, eir=null, interestRate=0.25, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1500000.0, loanAmountMax=3000000.0, apr=5.6, eir=null, interestRate=0.24, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1500000.0, loanAmountMax=null, apr=5.37, eir=null, interestRate=0.23, fees=[]}, {loanTenureMin=49, loanTenureMax=54, loanAmountMin=1500000.0, loanAmountMax=3000000.0, apr=5.35, eir=null, interestRate=0.23, fees=[]}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=1500000.0, loanAmountMax=3000000.0, apr=5.34, eir=null, interestRate=0.23, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=hsbc, providerName=HSBC 滙豐銀行}, description={shortDescription=[貸款額高達HK$3,000,000或月薪23倍。, 獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。]}, productName=滙豐 分期「萬應錢」, title=HK.PL.HSBC0001.PERSONALINSTALMENTLOAN, features={title=Features, pros=[限時優惠 - 高達HK$8,888 現金回贈
   	2023年11月8日至2023年12月12日期間，滙豐客戶成功申請滙豐分期「萬應錢」，可獲高達HK$8,888現金回贈：
 
   	 		 			貸款金額  	現金回贈 (只限12個月至24個月還款期)  			現金回贈 (只限25個月至59個月還款期)  			現金回贈 (只限60個月還款期)  			遞交證明文件優惠現金回贈  		
 		 			HK$100,000 至 HK$299,999  			HK$400  			HK$1,000  		HK$1,000 	HK$300  		
 		 			HK$300,000 至 HK$999,999  			HK$800  			HK$2,000  HK$2,000 		
 		 			HK$1,000,000 至 HK$1,499,999  			HK$1,500  			HK$2,500  	HK$2,500 	
 		 			HK$1,500,000 或以上  			HK$2,500  			HK$6,000  	HK$8,888 	
 	
 
   	現金回贈金額將全數於2024年3月31日或之前存入貸款還款戶口
 
, 限時優惠 - 高達HK$5,000「獎賞錢」
   	2023年11月8日至2023年12月12日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：
 
   	 		 			貸款金額  	「獎賞錢」 (只限12個月至24個月還款期)  			「獎賞錢」 (只限25個月至59個月還款期)  			「獎賞錢」 (只限60個月還款期)  			
 		 			HK$100,000 至 $299,999  			$400  			$1,000  		$1,000 	
 		 			HK$300,000 至 $999,999  			$800  			$2,000  $2,000 		
 		 			HK$1,000,000 至 $1,499,999  			$1,500  			$2,500  	$2,500 	
 		 			HK$1,500,000 或以上  			$2,000  			$3,000  	$5,000 	
 	
 
   	「獎賞錢」金額將全數於2024年3月31日或之前存入貸款還款戶口
 「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。
, 產品特色
  實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費
 1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明
 最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準
 還款期靈活，自由選擇6個月至60個月
 設有30天冷靜期，豁免提早償還手續費
 可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手
 
], cons=[注意事項
  實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。
 實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費
 個別貸款申請所需的實際審批時間可能有差異
 持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期
 客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。
 實際還款額以最終批核結果為準
 所有資料只供參考
 受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=, longDescription=18歲, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=60000, description={shortDescription=每年收入HK$60,000或以上, longDescription=每年收入HK$60,000或以上, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上（只適用於匯豐現有客戶）或電話申請

2. 上載文件

3. 等待批核結果

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

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

**非固定收入申請人包括以兼職、佣金或利潤分享為收入的客戶。}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=1, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=14.32, eir=null, interestRate=0.66, fees=[], transferRate=null}, {loanTenureMin=7, loanTenureMax=9, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.0, eir=null, interestRate=0.66, fees=[], transferRate=null}, {loanTenureMin=10, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.3, eir=null, interestRate=0.66, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=18, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.29, eir=null, interestRate=0.65, fees=[], transferRate=null}, {loanTenureMin=19, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=15.31, eir=null, interestRate=0.65, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, 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width:13.9205%\"><strong>遞交證明文件優惠現金回贈</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$400</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$1,000</td>\t<td rowspan=\"5\" style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.9205%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">HK$2,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$6,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$8,888</td>\t</tr> \t</tbody> </table>  <ul> \t<li>現金回贈金額將全數於2024年3月31日或之前存入貸款還款戶口</li> </ul>","<p><strong>限時優惠 - 高達HK$5,000「獎賞錢」</strong></p>  <ul> \t<li>2023年11月8日至2023年12月12日期間, 滙豐客戶如持有合資格信用卡成功申請滙豐分期「萬應錢」，可獲高達$5,000「獎賞錢」：</li> </ul>  <table style=\"height:126px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:26.1364%\"><strong>貸款金額</strong></td> \t<td style=\"height:36px; text-align:left; width:13.0682%\"><strong>「獎賞錢」 (只限12個月至24個月還款期)</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:15.1988%\"><strong>「獎賞錢」 (只限25個月至59個月還款期)</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:13.0682%\"><strong>「獎賞錢」 (只限60個月還款期)</strong></td> \t\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$100,000 至 $299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$400</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 $999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 $1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">$2,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$3,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$5,000</td>\t</tr> \t</tbody> </table>  <ul> \t<li>「獎賞錢」金額將全數於2024年3月31日或之前存入貸款還款戶口</li> <li>「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。</li></ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費</li> <li>1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明</li> <li>最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準</li> <li>還款期靈活，自由選擇6個月至60個月</li> <li>設有30天冷靜期，豁免提早償還手續費</li> <li>可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。</li> <li>實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費</li> <li>個別貸款申請所需的實際審批時間可能有差異</li> <li>持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期</li> <li>客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。</li> <li>實際還款額以最終批核結果為準</li> <li>所有資料只供參考</li> <li>受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。</li> <li>借定唔借？還得到先好借！</li> 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width:13.9205%\"><strong>遞交證明文件優惠現金回贈</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$400</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$1,000</td>\t<td rowspan=\"5\" style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.9205%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">HK$2,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">HK$6,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; 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style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td> \t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$1,000</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$300,000 至 $999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$800</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td> <td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,000</td>\t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,000,000 至 $1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:15.1988%\">$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$2,500</td>\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:26.1364%\">HK$1,500,000 或以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:15.1988%\">$2,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$3,000</td> \t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:13.0682%\">$5,000</td>\t</tr> \t</tbody> </table>  <ul> \t<li>「獎賞錢」金額將全數於2024年3月31日或之前存入貸款還款戶口</li> <li>「合資格信用卡」指由香港上海滙豐銀行有限公司（及其繼承人及受讓人）於香港發出的港幣個人基本卡、綜合、獨立戶口附屬卡及以港幣戶口簽賬的銀聯雙幣信用卡。若您只持有附屬卡而未持有任何個人基本卡，該附屬卡將不可獲享優惠。</li></ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.68%（每月平息低至0.10%）；HK$0手續費</li> <li>1分鐘內特快批核；透過滙豐自動轉賬支薪達一個月或以上，申請可免入息證明</li> <li>最高貸款額可達HK$3,000,000或月薪23倍，以較低者為準</li> <li>還款期靈活，自由選擇6個月至60個月</li> <li>設有30天冷靜期，豁免提早償還手續費</li> <li>可於全港超過1,000部滙豐櫃員機及分行提款，現金方便到手</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>實際年利率低至1.68%只適用於推廣期內成功申請及提取貸款的客戶，獲批核的貸款額達港幣1,500,000元或以上，以12個月的還款期計算，每月平息為0.10%，實際年利率分別為1.68%（以包括港幣2,500元現金回贈及$2,000「獎賞錢」的成功申請優惠作計算）及2.25%（以不包括任何現金回贈或「獎賞錢」作計算）。</li> <li>實際年利率是採用香港銀行公會所載的有關指引計算，並已被約至小數後兩個位。實際年利率是一個參考利率，以年化利率展示出已包括所有適用的利率、手續費及收費</li> <li>個別貸款申請所需的實際審批時間可能有差異</li> <li>持有分期「萬應錢」戶口3個月或以上的客戶，即可享有再提取本金權利，最低再提取金額為HK$3,000。本行保留最終權利是否允許客戶再提取貸款，並擁有全權酌情決定提取的金額及還款期</li> <li>客戶須於滙豐銀行服務時間內（星期一至五：上午9時至晚上8時；星期六：上午9時至下午5時；星期日及公眾假期：中午12時至凌晨12時，或個別分行開放時間）遞交貸款申請及所需資料（包括有效的滙豐銀行戶口號碼）及文件；而實際的貸款申請批核及放款處理時間將由成功於銀行的貸款審批系統輸入客戶資料後開始計算並有機會即時提供批核結果及放款。個別貸款申請所需的實際審批時間可能有差異。</li> <li>實際還款額以最終批核結果為準</li> <li>所有資料只供參考</li> <li>受條款及細則約束，詳情請瀏覽滙豐網頁。上述所顯示的每月還款額、每月平息、實際年利率及總利息支出僅供參考，並非代表最終結果。</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"","longDescription":"<p>18歲</p>","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"60000","description":{"shortDescription":"每年收入HK$60,000或以上","longDescription":"每年收入HK$60,000或以上","tooltip":""}}],"offers":null,"enableCountdown":fa

	\t\t\t WeLab Bank現金獎賞 \t\t\t	\t\t\t MoneyHero獨家獎賞 \t\t\t
貸款額	\t還款期24個月或以上及36個月以下	\t\t\t 還款期36個月或以上 \t\t\t	\t\t\t \t還款期24個月或以上及36個月以下 \t\t\t	\t\t\t 還款期36個月或以上 \t\t\t
HK$1,000,000 至 HK$1,500,000	\t\t\t HK$7,000 \t\t\t	\t\t\t HK$13,888 \t\t\t	\t\t\t HK$1,500 惠康購物現金券 \t\t\t	\t\t\t 選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或 \t\t\t 選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券 \t\t\t \t\t\t\t\t\t
HK$400,000 至 HK$999,999	\t\t\t HK$3,000 \t\t\t	\t\t\t HK$5,000 \t\t\t	\t\t\t HK$1,000 惠康購物現金券 \t\t\t	\t\t\t 選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或 \t\t\t 選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券 \t\t\t
HK$200,000 至 HK$399,999	HK$2,000	HK$3,000	HK$1,000 惠康購物現金券	HK$3,000 惠康購物現金券
HK$100,000 至 HK$199,999	/	HK$500	/	HK$2,000 惠康購物現金券

	WeLab Bank現金獎賞		MoneyHero獨家獎賞
貸款額	還款期24個月或以上及36個月以下	還款期36個月或以上	還款期24個月或以上及36個月以下	還款期36個月或以上
HK$1,000,000 至 HK$1,500,000	HK$7,000	HK$13,888	HK$1,500 惠康購物現金券	選項(1): iPhone 15 Pro 256 GB (價值HK$9,399) 或選項(2): HK$8,500 Apple Store 禮品卡 / 惠康購物現金券
HK$400,000 至 HK$999,999	HK$3,000	HK$5,000	HK$1,000 惠康購物現金券	選項(1): iPad mini Wi‑Fi 256GB (價值HK$5,199) 或選項(2): HK$5,000 Apple Store 禮品卡 / 惠康購物現金券
HK$200,000 至 HK$399,999	HK$2,000	HK$3,000	HK$1,000 惠康購物現金券	HK$3,000 惠康購物現金券
HK$100,000 至 HK$199,999	/	HK$500	/	HK$2,000 惠康購物現金券

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

清還金額	現金回贈
HK$500 – HK$20,000	HK$300
HK$20,001 – HK$50,000	HK$500
HK$50,001 – HK$200,000	HK$1,000

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

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

清卡數邊間好？17個最佳結餘轉戶計劃比較 2023

貸款產品

最低實際年利率

總還款額低至

每月還款額低至

💰 MoneyHero精選清卡數貸款

清卡數貸款是甚麼？

唔準時清卡數會有什麼後果？

清卡數貸款比較

最低實際年利率

迎新優惠

信用卡清卡數方法：結餘轉戶的優點

卡數分期 vs 結餘轉戶

1.利息支出

2.貸款用途

3.還款期及貸款額

4.提前還款費用

清卡數方法：善用稅貸清卡數

清卡數注意：小心「XX結餘轉戶中心」

清卡數策略 : 優先處理高息貸款

最理想清卡數時間

精選結餘轉戶貸款

安信 結餘轉戶計劃

最低實際年利率

最高貸款額

手續費

獎賞

WeLab Bank 清卡數貸款

最低實際年利率

最高貸款額

手續費

獎賞

UA 咭數一筆清

最低實際年利率

最高貸款額

手續費

獎賞

CreFIT 卡卡貸

最低實際年利率

最高貸款額

手續費

獎賞

滙豐 分期「萬應錢」

最低實際年利率

最高貸款額

手續費

獎賞

安信結餘轉戶計劃

滙豐分期「萬應錢」