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SCB 渣打分期貸款計劃借貸詳請、特色及還款概要

Luggage on Twitter Twemoji 14.0  經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!
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20230929_渣打分期貸款_Blog Cover

渣打分期貸款的利息最低1.85%,最多可借達HK$400萬,全程零手續費,有助減省借貸成本。有別於坊間大部份的貸款產品,渣打分期貸款設有7天冷靜期,並豁免提早償還貸款的手續費。究竟渣打分期貸款好唔好?即睇MoneyHero介紹渣打分期貸款迎新優惠、貸款特點及實際年利率。

渣打分期貸款計劃特色

渣打銀行 税季私人貸款

渣打銀行 税季私人貸款

最低實際年利率

1.85
%

最高貸款額

HK$400萬/月薪18倍

手續費

0%

獎賞

【2024年1月31日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞

  • 高達HK$8,000現金回贈
  • 抽獎:
    • 128,000「亞洲萬里通」里數(「大獎」) - 共10份
    • HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
更多資訊
隱藏信息
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税季私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月10日中午12時至2024年1月31日下午6時,成功經MoneyHero申請,並於2024年1月31日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月內提取貸款,可享以下獨家優惠:</li> </ul> <table style=\"height:180px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:10.3693%\"><strong>貸款金額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:39.6307%\"><strong>MoneyHero加碼獨家優惠:</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$500,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> \t\t\t\t<li>HK$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000(以較低者為準)</li> <li>還款期長達60個月;0%手續費</li> <li>7天冷靜期 - 豁免提早償還貸款手續費 </li></ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒?有什麼解決方法?立即了解提升貸款成功率!</span></em><br />MoneyHero貸款專家:<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/scb/pl\" target=\"_blank\">【借唔到錢?】拆解貸款被拒之謎,6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請, 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。</li> \t<li>實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費</li> \t<li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> \t<li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> 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width:10.3693%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$500,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$300,000 - HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$299,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> \t\t\t\t<li>HK$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000(以較低者為準)</li> <li>還款期長達60個月;0%手續費</li> <li>7天冷靜期 - 豁免提早償還貸款手續費 </li></ul>","<em><span style=\"text-decoration: underline;\">為什麼貸款申請被拒?有什麼解決方法?立即了解提升貸款成功率!</span></em><br />MoneyHero貸款專家:<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/借唔到錢-貸款被拒-貸款額低-利息高-原因-解決方法\" ga-category=\"personal-loan\" ga-action=\"product panel - clicked\" ga-label=\"/rp/7th/scb/pl\" target=\"_blank\">【借唔到錢?】拆解貸款被拒之謎,6招解決困擾</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算)。實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請, 渣打銀行並保留權利決定是否提供私人貸款及決定最終的利率和手續費。優惠須受條款及細則約束。</li> \t<li>實際年利率是一個參考利率,以年化利率展示出包括銀行產品的基本利率及其他適用的費用與收費</li> \t<li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> \t<li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 於網上申請<br>2. 上載文件<br>3. 即時批核<br>4. 確認及發放貸款"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港永久性居民身份證\n<br>2. 最近期住宅地址證明\n<br>3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄;<br>非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄;<br>自僱人士請提供商業登記證及最近之營業稅單\n<br><br>"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 税季私人貸款, hs_name=, hs_updated_by_user_id=60412388}, id=62168994035, table_id=4701663, table_name=product_moneyhero})

渣打分期貸款好處及限制

渣打分期貸款的實際年利率低至1.85%,貸款額高達月薪18倍,最多可借HK$400萬,有助應付大額資金需要。申請渣打分期貸款毋須支付手續費,並特設7天冷靜期,即使借貸人在冷靜期內提早還款,手續費亦可獲豁免,借貸成本壓到最低。渣打分期貸款的還款期靈活,由最少12個月至最多60個月。渣打銀行設有「網上申請特快服務承諾」,若借貸人於中午前遞交網上申請,將獲安排專人於當日跟進,以在短時間內解決周轉需要。

渣打分期貸款計劃

 

實際年利率 低至1.85%
手續費 0%
冷靜期 7天
最高貸款額 月薪18倍,最高HK$400萬
還款期 長達60個月
最低年薪要求 HK$96,000或以上

 


渣打分期貸款 vs 結餘轉戶計劃

渣打分期貸款計劃的貸款用途並無限制,可以用作交稅、買車、買樓、清卡數等。若想集中清還貸款及清卡數,亦可選擇渣打「分期貸款」結餘轉戶計劃,減低總利息支出。

渣打「分期貸款」結餘轉戶計劃最多可借HK$200萬,還款期長達84個月,並且特設個人化利率,每月平息低至0.20%。以貸款額HK$20萬,還款期48個月為例,可節省利息支出高達95% ,節省供款高達12%,減輕借貸人的債務及卡數煩惱。

渣打分期貸款網上申請回贈

於網上申請渣打分期貸款可獲多項獨家優惠,包括:

  • 申請還款期達24個月或以上之貸款,可獲高達 HK$ 7,000 現金回贈;或
  • 申請還款期達12個月或以上之貸款,可獲高達 HK$ 3,500 現金回贈;及
  • 全新客戶及貸款期達36個月或以上,額外可獲HK$ 1,000 現金回贈

渣打分期貸款申請條件

凡年滿 20 歲或以上的香港永久性居民,每年固定收入達 HK$96,000 或以上。

渣打分期貸款所需文件

申請渣打分期貸款除了必須提交身份證及最近期住宅地址證明,亦要提供以下入息證明文件:

  • 固定收入人士:提供交最近1個月的銀行月結單 / 存摺紀錄或電腦編印糧單或最新的薪俸稅及個人入息課稅單
  • 非固定收入人士:提交最近3個月的銀行月結單 / 存摺紀錄或電腦編印糧單或最新的薪俸稅及個人入息課稅單
  • 自僱人士:提供商業登記證及最近的營業稅單
請輸入以下資料
貸款額 (HKD)
$
請輸入10萬~100萬以內的金額
100,000 1,000,000
還款期
請輸入12~72期以內的期數
利率
%
最高20%
請勿大於20%
0 20
每月還款額低至
此工具僅為試算,非實際金額(詳見下方*)
N/A

總還款額 N/A

總利息 N/A
Image
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渣打銀行 税季私人貸款

渣打銀行 税季私人貸款

總還款額低至

N/A

每月還款額低至

N/A

最低實質年利率

N/A

【2024年1月31日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞

  • 高達HK$8,000現金回贈
  • 抽獎:
    • 128,000「亞洲萬里通」里數(「大獎」) - 共10份
    • HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
更多資訊
隱藏資訊

*這版本的計算器是以簡易版公式把實際年利率轉為月平息計算:實際年利率是=月平息 x 12個月 x 1.9 (不變系數)
*Moneyhero的產品顯示則由銀行所提供之月平息計算。
*實際年利率是一個參考利率,以年化利率展示出包括銀行 產品的基本利率及其他適用的費用與收費。此實際年利率 並不包括現金回贈。

MoneyHero比較多款還款期為12至84個月之間的私人貸款。實際年利率將視乎個別情況而定,介乎2%至59%。以下為借貸成本的參考例子:假如你借取一筆HK$200,000的貸款,還款期為12個月,實際年利率為7.02%,每月平息0.31%,那每月還款額應為HK$17,287,而總還款額則為HK$207,444。

渣打分期貸款申請步驟

有意申請渣打分期貸款的人士可使用網上申請或致電渣打銀行的熱線(電話號碼:2282 0538),並按個人情況遞交所需文件,即可獲特快批核貸款服務。一旦貸款申請獲批,貸款額將直接存入申請人指定的還款戶口。

渣打分期貸款批核時間

渣打銀行設有「網上申請特快服務承諾」,借貸人在中午前遞交網上申請,銀行會即日跟進,縮短批核時間,儘快放錢予有周轉需要的人士。

渣打分期貸款常見問題

渣打分期貸款設有提早還款政策嗎?

渣打分期貸款設有7天冷靜期,借貸人可獲豁免提早償還貸款的手續費。

渣打分期貸款7天冷靜期內取消申請需要支付手續費嗎?

 

不用。若借貸人想在取得貸款後的7天內提前清還貸款,毋須支付任何手續費。

如果我是現有「分期貸款」借貸人可以再加借嗎?

 

可以。若現有「分期貸款」借貸人申請加借,毋須遞交文件,還款期長達60個月,提用貸款可高於已償還本金之全數。