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網上貸款:網上免露面貸款好處及優惠比較


5 Dec, 2023|Posted by MoneyHero貸款專家

20220719-網上貸款-毋需現身-D-PJ2241-Blog-Cover-OP

網上貸款全程免露面,貸款人可隨時隨地網上申請貸款,不受時間地點限制,熱門網上貸款如WeLend貸款Aeon貸款安信貸款等。網上貸款手續會較簡單?批核速度會較快?比較適合短期周轉?MoneyHero整合比較市場上各種網上貸款及注意地方,助你更全面了解Online貸款!


其他貸款比較:稅務貸款特快私人貸款免入息貸款免TU貸款網上貸款低息貸款易批貸款公務員貸款銀行貸款虛擬銀行貸款短期小額貸款清卡數貸款大額清數貸款

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網上貸款是甚麼?


網上貸款是指可於網上完成申請、審批和過數的私人貸款,以解決客戶急需資金周轉需要。只需透過網上平台或應用程式遞交貸款申請,同時按指示上載文件即可完成申請程序,全程毋須現身,無需親身到銀行或財務公司辦理。部分網上貸款甚至以AI特快批核貸款,令申請貸款不受辦公時間所限。

網上貸款好處


1. 隨時隨地借貸


網上貸款由申請、批核、遞交文件、簽約到過數都可經網上完成,提供私人分期貸款、卡數貸款、循環貸款等不同貸款方案。部分財務機構的網上貸款服務時間更延長至星期六日,方便客戶隨時網上申請貸款。

申請人可以透過官方網頁或手機貸款app申請貸款,更可以用WhatsApp上載及提交文件,只要有手機或電腦在手,無論何時何地都可以申請貸款,小額貸款更有機會免收部分證明文件(適用於指定貸款額和指定信貸評級客戶),方便快捷,又免除尷尬,擔心被他人知道自己要借錢。

2. 網上知道批核結果


過往銀行和財務公司都以人手審批貸款申請,而且要收齊文件才開始處理批核,審批文件亦需時,所以申請人通常要等數個工作天才可得知審批結果,有時候更會長達7至14個工作天,對急需現金周轉的人來說相當不便。

近年網上貸款盛行,部份傳統銀行、虛擬銀行和財務公司已引入網上自動化審批科技,可以讓客戶在遞交申請後便知道初步批核結果,而且可以先看批核結果是否合心意,才確認遞交申請文件,批核後最快即時放款,現金轉賬至指定銀行戶口。

3. 利息低,借貸成本更低 


網上貸款平台最大特色就是零分行、全程網上形式運作,節省不少租金同營運支出。正因如此,部份網上貸款公司會比一般貸款機構低息,不過與一般大銀行比較,實際年利率仍然稍高,且可能不提供大額貸款。

4. 提早清還免罰息


提早還款雖然有機會節省利息,但很多銀行和財務機構都會在合約列明提早還款費用和行政費,令提早還款反而得不償失。相比之下,部分網上貸款平台允許借貸人隨時提前還錢,亦不會收取任何罰息,令借貸人可以安心還款之餘,亦大大減低借貸成本。

6. 網上貸款額外優惠


網上貸款可為財務機構節省行政開支,所以銀行和財務公司通常都對網上申請提供額外優惠,如現金回贈、現金券、實體禮物等,經網上平台如MoneyHero申請更有額外優惠!

提供網上貸款的機構


網上貸款如此方便,但其實市面上並非間間貸款機構都可以做到真正網上貸款,以下由MoneyHero精選貸款機構/網上貸款平台,有意想借網上私人貸款產品的朋友可以參考一下!部份更已推出其自家網上貸款App

私人貸款

最低實際年利率

最快批核時間

官網申請
邦民 特快私人貸款
邦民 特快私人貸款
4.49 %
即時初步批核
安信 定額私人貸款
安信 定額私人貸款
1.18 %
即時
WeLend 私人貸款
WeLend 私人貸款
1.18 %
即時AI批核
UA i-Money 特快網上私人貸款
UA i-Money 特快網上私人貸款
1.68 %
即日跟進
信銀國際 $mart Plus稅季貸款
信銀國際 $mart Plus稅季貸款
1.65 %
1分鐘初步批核
Citi 稅季貸款
Citi 稅季貸款
1.78 %
即日
註:本圖表資料只供參考,因財務機構貸款條件及息率等會因應市場變動而不時調整,詳細資料以財務機構最新公布為準。

網上貸款 VS 上門申請貸款


網上貸款的好處是可以隨時隨地申請,方便貸款人,不用親身上門到銀行或財務公司申請,部分網上即批貸款更可即時得知批核結果。不過,網上借錢需要申請人自行了解貸款細節,除了不同貸款金額和還款期的利息,還要閱讀所有文件及條款細則,而上門申請貸款則可向職員當面查詢,各有好處。

網上貸款 上門申請貸款
  • 隨時隨地借貸
  • 特快批核,網上即時知道批核結果
  • 星期六、日照批照過數
  • 經營成本低令利息較低
  • 提早清還免罰息
  • 部分網上貸款可免部分證明文件
  • 需自行了解條款細則
  • 普遍需入息證明、住址證明等文件
  • 視乎貸款額豁免證明文件
  • 審批及放款只會於工作天進行
  • 批核連放款需時由1-3星期不等
  • 一般還款期較長
  • 會有限時低息貸款推廣
  • 可向職員當面查詢條款細則

延伸閱讀:
 【易批私人貸款】借錢唔批?銀行及財務公司批核比較

一般網上貸款申請程序及條件


  1. 到銀行或財務公司網站找到相關貸款申請,提供初步資料如貸款金額、還款期、姓名、身份證號碼、出生日期、就職公司及收入等
  2. 獲得初步批核結果,即借貸機構是否批核你的申請及貸款利率等條款資料
  3. 最好先找多幾間借貸機構做比較貸款條件,最終選擇好貸款計劃後,才提供個人資料如:香港身份證副本、入息的銀行結單或存摺證明、住址證明、入職證明(例如公司入職信或僱員合約,適用於新入職人士)。視乎貸款額,有些借貸機構更可以豁免證明文件
申請人要留意,部分財務機構對「網上簽約」服務設有相關貸款條件,如需符合指定信貸要求或指定貸款額等,不符合條件的客戶可能需要親自落分行簽約,部分財務機構亦可能要求客戶親自到分行遞交證明文件正本作審查。

延伸閱讀: 【認識結餘轉戶】清卡數貸款到底慳幾多利息?

網上貸款常見過數方式及批核時間


網上貸款一般會轉數快過數至申請人指定銀行戶口,批核時間視乎不同財務機構和貸款計劃而定,最快可以在當日甚至數小時內知道批核結果。

網上貸款 : 財務公司vs銀行


銀行貸款相比,部分財務公司的網上貸款利息較高,且最高貸款額會較低,對需要大額貸款的人士來說就不太划算。

申請網上貸款的注意事項


申請人要留意,申請網上貸款時沒有專人服務或解答貸款問題,要靠自己了解貸款細節及條款,如貸款手續、實際年利率、有否手續費或行政費、還款方式、遲還款罰息等等,了解清楚後再申請貸款。

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

網上貸款利息比較

Citi 稅季貸款

Citi 稅季貸款

最低實際年利率

1.78
%

最高貸款額

HK$350萬/月薪12倍

手續費

0%

申請優惠

【1月2日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享iPhone 15 Pro Max 256GB / 高達HK$10,000 Apple Store 禮品卡 / 超市現金券;總獎賞高達HK$10,199 + HK$8,000 + HK$800 = HK$18,999

  • 靈活還款期,無隱藏條款
  • 貸款即日批核,現金即日到手

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

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

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隱藏信息
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#a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro Max 256GB (價值HK$10,199)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶,並於2024年1月14日或之前提取貸款,可獲高達HK$8,000現金券:</p> <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核,現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000,以較低者為準</li> <li>還款期長達60個月,HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒?有什麼解決方法?立即了解提升貸款成功率!</span></em><br />MoneyHero貸款專家:<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢?】拆解貸款被拒之謎,6招解決困擾</a>","有關全城最高獨家優惠保證,請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞: <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上; Citigold客戶則需保持户口結餘達HK$1,500,000元或以上; 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核,現金即日到手」只適用於每個工作天(星期一至五)上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%,貸款額HK$3,500,000及還款期12個月計算,並適用於持有Citi ULTIMA之花旗私人客戶;實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借?還得到先好借!</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, 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product_moneymax={product=Optional.empty, comparables=[MINIMUM_ANNUAL_INCOME, CASHBACK_LOCAL, ANNUAL_FEE], ad_hoc_comparables=[], reorder_comparables=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, style={call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, theme=mars, primary={color=#00AAFB, opacity=100, rgba=rgba(0, 170, 251, 1), rgb=rgb(0, 170, 251), hex=#00AAFB, css=#00AAFB}, call_to_action_background={color=#F97316, opacity=100, rgba=rgba(249, 115, 22, 1), rgb=rgb(249, 115, 22), hex=#F97316, css=#F97316}, call_to_action_color={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, summary_section_label={color=#18794E, opacity=100, rgba=rgba(24, 121, 78, 1), rgb=rgb(24, 121, 78), hex=#18794E, css=#18794E}, star_rating={background={color=#FFFFFF, opacity=100, rgba=rgba(255, 255, 255, 1), rgb=rgb(255, 255, 255), hex=#FFFFFF, css=#FFFFFF}, fill={color=#FFFF04, opacity=100, rgba=rgba(255, 255, 4, 1), rgb=rgb(255, 255, 4), hex=#FFFF04, css=#FFFF04}}}, type=module, promotional={display_within_collapsible=false, show_banner=false, show_promotional_in_card=true}, product_money101={product=Optional.empty, comparables=[ANNUAL_FEE, MIN_SPEND_INSTALMENTS_TAX, MAX_CASHBACK_ONLINE_SHOPPING], ad_hoc_comparables=[], comparable_order=[], cta_button={show=true, url={url={type=EXTERNAL, content_id=null, href=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}}) null (SizeLimitingPyMap: {id=62168994031, table_id=4701663, table_name=product_moneyhero, columns={hs_id=62168994031, hs_child_table_id=0, hs_updated_at=1701683837728, hs_published_at=1701762837819, productid=blta5a95a9d04561cff_23_zh-hk, data={"__typename":"PersonalLoan","id":"blta5a95a9d04561cff_23_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt951479dc09f8f90e/6451dca4de40d20defb3e9dd/large-Citi_Blue-RedArc_RGB.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>【1月2日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享iPhone 15 Pro Max 256GB / 高達HK$10,000 Apple Store 禮品卡 / 超市現金券;總獎賞高達HK$10,199 + HK$8,000 + HK$800 = HK$18,999</strong></p><ul><li>靈活還款期,無隱藏條款</li><li>貸款即日批核,現金即日到手<br /></li></ul><p>🥇<strong>【全城最高優惠保證】</strong>保證MoneyHero獨家優惠比其他平台高,如果你成功經MoneyHero申請後發現其他平台有更高優惠,可以申請以現金券形式補回差額!<a href=\"https://www.moneyhero.com.hk/zh/campaign/best-price?utm_source=PL_CitiRPlisting&utm_medium=referral&utm_campaign=BestPrice\">即睇詳情</a></p><p></p><p><strong>【推薦人獎上獎活動】</strong>成功申請後,只要你每推薦一位新客戶成功申請指定金融產品,你同被推薦人每人可以賺高達HK$200 超市現金券!推薦不設上限,成功推薦親友越多,獎賞越多!推廣期內推薦3位新客戶,額外送多HK$300; 推薦5位以上,額外送多HK$600!<a href=\"https://www.moneyhero.com.hk/zh/campaign/mgm-offer\">即睇詳情</a>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt4789adf488812cfc/654a0f96b3460c040a0b02db/20231106-_PL_-Citi-Nov-2023-Campaign-D-PJ23_0761-Campaign_Static-Banner_CN_OP.jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"},{"key":"BEST_VALUE","display":"推薦獎賞計劃"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":411520000,"displayValue":"411,520","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11431111,"displayValue":"11,431","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1780,"displayValue":"1.78","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaNWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS10YXgtbG9hbi16aC1yZXN1bHRwYWdl.8GLID3gTNpy-x3BOffN6qZ15HhyyQmtp_571TsTkswXnHLDJIFuarnz06BP-812vJbUFjXiCcYKry704qF6dDg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-tax-season-loan"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["【特快批核】實際年利率低至1.78%,以月平息0.08%、貸款額HK$3,500,000及還款期12個月計算","其他貸款額及還款期的實際年利率,以實際批核結果為準"]},"productName":"Citi 稅季貸款","title":"HK.PL.CITI0004.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月30日下午6時至1月2日下午6時,成功經MoneyHero申請,並於1月2日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/24874727402137\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶須符合以下條件,可獲以下選一MoneyHero獨家優惠: \t<ul> \t\t<li>2023年11月30日下午6時至2024年1月2日下午6時期間經MoneyHero成功申請Citi 稅季貸款或Citi 卡數結餘轉戶,</li> \t\t<li>選擇還款期為12個月或以上,並於1個月內提取貸款</li> \t</ul> \t</li> </ul> <table style=\"height:250px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:17.8977%\"><strong>貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:29.1193%\"><strong>MoneyHero獨家獎賞</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro Max 256GB (價值HK$10,199)</li> \t\t\t\t<li>HK$10,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$500,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55&quot; QLED 4K Q60C TV (價值HK$8,980)</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:17.8977%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Sonos Sub Gen 3無線超低音喇叭&nbsp;(價值HK$6,999)</li> \t\t\t\t<li>HK$6,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$200,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>Dyson Purifier Hot+Cool 三合一暖風空氣清新機HP07 (價值HK$5,780)</li> \t\t\t\t<li>HK$5,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:17.8977%\">HK$100,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:29.1193%\"> \t\t\t<ul> \t\t\t\t<li>SONY HT-AX7&nbsp;可攜式影院系統&nbsp;(價值HK$4,290)</li> \t\t\t\t<li>HK$4,000 Apple Store 禮品卡 / 超市現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-citi-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$8,000現金券</strong><br /> 客戶須於2023年11月1日至2024年1月2日期間成功申請Citi稅季貸款或Citi特快現金或Citi卡數結餘轉戶,並於2024年1月14日或之前提取貸款,可獲高達HK$8,000現金券:</p> <table style=\"height:312px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td rowspan=\"2\" style=\"height:18px; text-align:left; width:22.671%\"><br /> \t\t\t<strong>貸款額</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:32.8785%\"><strong>還款期長達24個月或以下</strong></td> \t\t\t<td colspan=\"2\" style=\"height:18px; text-align:left; width:36.4992%\"><strong>還款期長達24個月以上</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:16.7304%\"><strong>花旗私人客戶/Citigold客戶/<br /> \t\t\tCiti ULTIMA卡<br /> \t\t\t之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.1481%\"><strong>其他客戶</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:16.885%\"><strong>花旗私人客戶/Citigold客戶/</strong><br /> \t\t\t<strong>Citi ULTIMA卡</strong><br /> \t\t\t<strong>之持有人</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:19.6142%\"><strong>其他客戶</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$1,500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$8,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$4,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$800,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$2,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\">HK$1,500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\"> \t\t\t<p>HK$4,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\">HK$2,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:22.671%\">HK$400,000 至 HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$1,500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$1,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:16.885%\"> \t\t\t<p>HK$2,000</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:54px; text-align:left; width:19.6142%\">HK$1,500</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.671%\">HK$100,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.7304%\"> \t\t\t<p>HK$500</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.1481%\"> \t\t\t<p>HK$400</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:16.885%\">HK$700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:19.6142%\"> \t\t\t<p>HK$600</p> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>現金券獎賞換領信將於2024年3月31日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blte5449a0b97513d99/65645c75107d42181fb7c8af/2023_Q4_PIL_TnC_Oct23_v3_(002)_(1).pdf\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核,現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$3,500,000,以較低者為準</li> <li>還款期長達60個月,HK$0手續費</li> <li>無隱藏條款</li> </ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒?有什麼解決方法?立即了解提升貸款成功率!</span></em><br />MoneyHero貸款專家:<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/citibank/tax\" target=\"_blank\">【借唔到錢?】拆解貸款被拒之謎,6招解決困擾</a>","有關全城最高獨家優惠保證,請參閱<a href = \"https://moneyhero.link/best-rebate-campaign-tnc\">條款及細則</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2024年1月2日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞: <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上; Citigold客戶則需保持户口結餘達HK$1,500,000元或以上; 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核,現金即日到手」只適用於每個工作天(星期一至五)上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%,貸款額HK$3,500,000及還款期12個月計算,並適用於持有Citi ULTIMA之花旗私人客戶;實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他費用與收費</li> <li>借定唔借?還得到先好借!</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195360, hs_is_edited=false, hs_deleted_at=0, productname=Citi 稅季貸款, hs_name=, hs_updated_by_user_id=60412388}})

WeLend 私人貸款

WeLend 私人貸款

最低實際年利率

1.18
%

最高貸款額

HK$150萬

手續費

0%

申請優惠

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

UA 「NO SHOW」免文件私人貸款

UA 「NO SHOW」免文件私人貸款

最低實際年利率

1.68
%

最高貸款額

未有列明

手續費

0%

申請優惠

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

星展銀行 定額私人貸款

最低實際年利率

6.32
%

最高貸款額

HK$200萬/月薪20倍

手續費

2%

申請優惠

【12月31日截止】可享高達HK$18,800獎賞,包括 HK$7,700超市現金券、HK$300「一扣即享」金額,及高達HK$10,800獨家超市現金券 或 Apple Store 禮品卡
更多資訊
隱藏信息
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text-align:left; width:22.8078%\"> \t\t\t<p>HK$4,500 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\">HK$3,500 超市現金券 / Apple Store 禮品卡</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\">HK$3,000 超市現金券 / Apple Store 禮品卡</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\">HK$1.500 超市現金券 / Apple Store 禮品卡</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\">HK$1,000 超市現金券 / Apple Store 禮品卡</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>經MoneyHero,或DBS Card+網頁成功申請此貸款;</li> \t<li>由2023年12月1日至31日(推廣期):成功申請「星展定額私人貸款」;</li> \t<li>2024年1月22日或之前:成功提取指定貸款額</li> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt66455075e30c12d8/6566af56d28c5a5eca3dfcdd/MoneyHero_X_DBS_PIL_Dec_2023_TnC_v2.pdf\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.20%;實際年利率已計算2%手續費 <ul> <li>手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算,並在提取貸款時從貸款本金中扣除及不予退還。</li> </ul> </li> <li>貸款額高達HK$2,000,000或月薪20倍(以較低者為準),靈活還款期長達60個月</li> <li>借貸無須入息證明</li> <li>可提取已償還貸款額</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> \t<li>最低收入要求:每年固定入息HK$80,000或以上</li> \t<li>「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間(「獎賞饋贈期」)以星展銀行發出的適用信用卡簽賬,當交易顯示於DBS Card+的Timeline時,經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。</li> \t<li>要收到「一扣即享」金額,客戶必須: \t<ul> \t\t<li>在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡(包括聯營卡,但貴賓卡及商務卡除外)(「適用信用卡」)、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。</li> \t\t<li>於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。</li> \t</ul> \t</li> \t<li>超級市場現金券的換領信會於推廣期結束後4個月內郵寄予合資格的客戶。客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。</li> \t<li>獎賞只適用於貸款戶口狀況良好及沒有逾期還款記錄(由銀行全權決定)的客戶</li> \t<li>現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡(包括聯營卡)主卡及/或私人貸款產品的客戶</li> \t<li>實際年利率2.20%:以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算,已包括2%貸款開立費</li> \t<li>獎賞受條款約束,詳情請參閱星展網頁</li> \t<li>實際年利率乃按《銀行營運守則》的相關指引計算,並已被約至最接近的兩位小數。實際年利率是一個參考利率,以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還</li> \t<li>在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定,並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁</li> \t<li> \t提早全數清還貸款需繳付有關費用,詳情請參閱私人分期貸款條款及細則。 \t</li> \t<li>借定唔借?還得到先好借!</li> 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width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$7,700</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$3,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:5.5001%\">HK$1,000</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:8.19895%\">HK$300</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:18.5711%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; width:3.75586%\">HK$500</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:35px; text-align:left; 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禮品卡</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\"> \t\t\t<p>HK$8,000 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$1,000,000 至 HK$1,499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\"> \t\t\t<p>HK$7,000 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\"> \t\t\t<p>HK$5,500 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$500,000 至 HK$999,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\"> \t\t\t<p>HK$5,500 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\"> \t\t\t<p>HK$4,500 超市現金券 / Apple Store 禮品卡</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$300,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\">HK$3,500 超市現金券 / Apple Store 禮品卡</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\">HK$3,000 超市現金券 / Apple Store 禮品卡</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:15.162%\">HK$100,000 至 HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:20.7991%\">HK$1.500 超市現金券 / Apple Store 禮品卡</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:50px; text-align:left; width:22.8078%\">HK$1,000 超市現金券 / Apple Store 禮品卡</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>經MoneyHero,或DBS Card+網頁成功申請此貸款;</li> \t<li>由2023年12月1日至31日(推廣期):成功申請「星展定額私人貸款」;</li> \t<li>2024年1月22日或之前:成功提取指定貸款額</li> \t<li>優惠受<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt66455075e30c12d8/6566af56d28c5a5eca3dfcdd/MoneyHero_X_DBS_PIL_Dec_2023_TnC_v2.pdf\" target=\"_blank\">條款及細則</a>約束</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至2.20%;實際年利率已計算2%手續費 <ul> <li>手續費指貸款開立費。貸款開立費為貸款額的2%。貸款開立費以貸款本金某個由銀行不時指定的百分比計算,並在提取貸款時從貸款本金中扣除及不予退還。</li> </ul> </li> <li>貸款額高達HK$2,000,000或月薪20倍(以較低者為準),靈活還款期長達60個月</li> <li>借貸無須入息證明</li> <li>可提取已償還貸款額</li> </ul>"],"cons":["<p><strong>注意事項</strong></p> <ul> \t<li>最低收入要求:每年固定入息HK$80,000或以上</li> \t<li>「一扣即享」金額將在合資格的客戶於2024年5月1日至2024年10月31日期間(「獎賞饋贈期」)以星展銀行發出的適用信用卡簽賬,當交易顯示於DBS Card+的Timeline時,經DBS Card+所推送的紅色「一扣即享」按鈕贈予合資格的客戶。</li> \t<li>要收到「一扣即享」金額,客戶必須: \t<ul> \t\t<li>在2024年3月31日當日持有一張由星展銀行發出有效的信用卡主卡(包括聯營卡,但貴賓卡及商務卡除外)(「適用信用卡」)、於DBS$獎賞計劃下為該適用信用卡選擇DBS$自選換領計劃、下載DBS Card+、成功登記及啟動DBS Card+帳戶、開啟DBS Card+的「一扣即享」通知。</li> \t\t<li>於獎賞饋贈期以該適用信用卡完成HK$500或以上的零售簽賬。</li> \t</ul> \t</li> \t<li>超級市場現金券的換領信會於推廣期結束後4個月內郵寄予合資格的客戶。客戶須憑換領信到指定禮品換領中心領取現金券。現金券須按供應商所定的條款及細則使用。</li> \t<li>獎賞只適用於貸款戶口狀況良好及沒有逾期還款記錄(由銀行全權決定)的客戶</li> \t<li>現有客戶定義為就在申請日當天在星展銀行擁有任何信用卡(包括聯營卡)主卡及/或私人貸款產品的客戶</li> \t<li>實際年利率2.20%:以貸款額HK$2,000,000、每月平息0.01%及24個月還款期計算,已包括2%貸款開立費</li> \t<li>獎賞受條款約束,詳情請參閱星展網頁</li> \t<li>實際年利率乃按《銀行營運守則》的相關指引計算,並已被約至最接近的兩位小數。實際年利率是一個參考利率,以年化利率表示包括產品的所有適用利率、費用及收費。上述表格的實際年利率已包括2% 貸款開立費在內計算。貸款開立費將在提取貸款時從貸款本金中扣除及不予退還</li> \t<li>在此列出的每月平息只供參考。適用於客戶的利率按其財政狀況而定,並由星展銀行全權決定。受條款及細則約束。詳情請瀏覽星展銀行網頁</li> \t<li> \t提早全數清還貸款需繳付有關費用,詳情請參閱私人分期貸款條款及細則。 \t</li> \t<li>借定唔借?還得到先好借!</li> 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hs_created_at=1680234702790, hs_is_edited=false, hs_deleted_at=0, productname=星展銀行 定額私人貸款, hs_name=, hs_updated_by_user_id=60412388}})

AEON 「貸靈活」私人貸款

AEON 「貸靈活」私人貸款

最低實際年利率

4.65
%

最高貸款額

HK$100萬/月薪12倍

手續費

0%

申請優惠

【12月15日截止】經MoneryHero成功申請,可享HK$500 Apple Store 禮品卡 或 惠康現金券,不論批核結果及貸款額;另可享高達HK$12,500現金回贈
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