中銀貸款的申請步驟是什麼？

客戶可透過手機銀行或網上銀行即時申請中銀香港稅貸，填寫資料並獲初步批核後，可上載所需文件並等待審批結果。通過審批後可於手機銀行或網上銀行確認貸款，全程都可網上進行。

中銀貸款收費？

中銀貸款手續費為總貸款額的0%至1.5%，逾期還利息為每日逾期還款額的0.08%及須繳付每一期HK$500的逾期還款手續費。

中銀貸款可以提早還款嗎？

可以，提早清還貸款時將以「息隨本減」或「78法則」計算利息及本金結欠，貸款人亦須繳納已批核貸款本金金額之2%。

中銀貸款電話熱線

中銀貸款電話服務熱線 +852 2108 3688（星期一至五上午9時至晚上9時，星期六上午9時至下午6時，公眾假期除外）

BOC中銀香港私人貸款2023：低息貸款及迎新優惠比較

中銀分期「易達錢」 - 稅季貸款

最低實際年利率

1.78%

最高貸款額

HK$400萬或月薪18倍

手續費

每年0% - 0.5%

獎賞

更多資訊

隱藏信息

產品特色

Debug data (JSON)

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loanAmountMax=9999996.0, apr=null, eir=null, interestRate=0.2534, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=5.91, eir=null, interestRate=0.254, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=999999.0, apr=5.91, eir=null, interestRate=0.2553, fees=[]}, {loanTenureMin=6, loanTenureMax=12, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=2.68, eir=null, interestRate=0.12, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=2.99, eir=null, interestRate=0.1292, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=4.27, eir=null, interestRate=0.183, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=4.27, eir=null, interestRate=0.183, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1000000.0, loanAmountMax=1499999.0, apr=4.27, eir=null, interestRate=0.1835, fees=[]}, {loanTenureMin=6, loanTenureMax=12, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=1.68, eir=null, interestRate=0.0754, fees=[]}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=2.75, eir=null, interestRate=0.1189, fees=[]}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.57, eir=null, interestRate=0.153, fees=[]}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.81, eir=null, interestRate=0.1632, fees=[]}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.81, eir=null, interestRate=0.1635, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=bank-of-china-hong-kong-limited, providerName=中國銀行（香港）}, description={shortDescription=[貸款可達HK$400萬 或 月薪18倍 (以較低者為準), 實際年利率低至1.68%及免手續費]}, productName=中銀分期「易達錢」 - 稅季貸款, title=HK.PL.BOCX0004.BOCISMARTTAXLOAN, features={title=Features, pros=[MoneyHero獨家優惠
  經MoneyHero網站申請中銀分期「易達錢」，並輸入貸款代碼「AH」，可享額外HK$100現金回贈，受條款及細則約束。
 
, 中銀優惠 - e-利是現金回贈
  客戶符合指定條件，可獲高達HK$2,900現金回贈
 
    條件  現金回贈  
  HK$50,000 至 HK$79,999  HK$200  
  HK$80,000 至 HK$199,999  HK$400  
  HK$200,000 至 HK$499,999  HK$800  
  HK$500,000 至 HK$999,999  HK$1,200  
  HK$1,000,000 或以上  HK$2,800  
 
 
  成功申請、提取HK$50,000或以上及還款期達36期或以上；及
 符合上述要求的客戶，以貸款代碼「AH」申請，可享額外HK$100現金回贈。
 上述奬賞將於2023年9月30日或之前直接誌入合資格客戶的中銀香港還款賬戶，而不作另行通知
  
 
, 產品特色
  實際年利率：低至1.68%；手續費：低至0%
 靈活還款期，備有6至60個月還款期，以供選擇
 貸款額高達HK$4,000,000 或 月薪18倍（以較低者為準）
 最低收入要求：每月固定入息不少於HK$6,000
 
], cons=[注意事項
  以貸款額HK$1,500,000、還款期12個月及每月平息0.0754%計算，實際年利率為1.68%，並豁免全期手續費。有關個別客戶的專屬個人化利率，請向中國銀行（香港）有限公司(「中銀香港」)職員查詢。優惠受條款及細則約束。
 本網站內容乃僅為參考性質用途而提供，計算方法及有關總額請以該銀行作準
 有關優惠詳情及條款及細則，請參閲中國銀行（香港）有限公司網頁
 提供的訊息僅供參考，實際情況須根據你的信貸評分而定，並以相關機構的決定為準。
 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=18歲
, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=HK$48,000
, 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. 全程網上及手機銀行進行申請
2. 請閱讀「資料概要」及「條款細則」後，按「同意並繼續申請」
3. 輸入資料 
4. 認證身份
5. 填寫貸款資料
6. 完成確認申請}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港身份證
如非香港永久性居民身份證持有人，需提供護照
2. 近3個月内之現居住址證明，如電費單、差餉單或銀行月結單等
如永久住址與現居住址不同，請另附永久住址證明。
3. 入息證明文件：
附有姓名、賬戶號碼及最近2個月薪金的銀行月結單或存摺；或
最近1個月糧單；或
最新稅單
如為獨資或合夥經營人士，請附上公司之商業登記證及最近期稅單。}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=12, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=6.19, eir=null, interestRate=0.2743, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=6.81, eir=null, interestRate=0.2928, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=7.3, eir=null, interestRate=0.313, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=7.75, eir=null, interestRate=0.334, fees=[], transferRate=null}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=99999.0, apr=7.71, eir=null, interestRate=0.3348, fees=[], transferRate=null}, {loanTenureMin=6, loanTenureMax=12, loanAmountMin=100000.0, 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eir=null, interestRate=0.1835, fees=[], transferRate=null}, {loanTenureMin=6, loanTenureMax=12, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=1.68, eir=null, interestRate=0.0754, fees=[], transferRate=null}, {loanTenureMin=13, loanTenureMax=24, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=2.75, eir=null, interestRate=0.1189, fees=[], transferRate=null}, {loanTenureMin=25, loanTenureMax=36, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.57, eir=null, interestRate=0.153, fees=[], transferRate=null}, {loanTenureMin=37, loanTenureMax=48, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.81, eir=null, interestRate=0.1632, fees=[], transferRate=null}, {loanTenureMin=49, loanTenureMax=60, loanAmountMin=1500000.0, loanAmountMax=4000000.0, apr=3.81, eir=null, interestRate=0.1635, 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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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=<span 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中銀分期「易達錢」結餘轉戶

最低實際年利率

5.93%

最高貸款額

HK$200萬或月薪21倍

手續費

每年1%

獎賞

更多資訊

隱藏信息

產品特色

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  客戶符合指定條件，可獲高達HK$23,888現金回贈
 
    條件  現金回贈  
  HK$50,000 至 HK$199,999  HK$888  
  HK$200,000 至 HK$499,999  HK$3,888  
  HK$500,000 至 HK$999,999  HK$13,888  
  HK$1,000,000 或以上  HK$23,888  
 
 
 由2023年9月26日起至2023年11月15日期間﹔及
 成功申請、提取HK$50,000或以上及還款期達36期或以上；及
 符合上述要求的客戶，以貸款代碼「AH」申請，可享現金回贈。
 上述奬賞將於2024年6月30日或之前直接誌入合資格客戶的中銀香港還款賬戶，而不作另行通知
  
 
, 產品特色
  實際年利率低至5.93%；手續費：低至1%
 還款期長達72個月
 總貸款額高達 HK$2,000,000 或月薪21倍（以較低者為準）
 最低收入要求：每月固定入息不少於HK$6,000
 
], cons=[注意事項
  本網站內容乃僅為參考性質用途而提供，計算方法及有關總額請以該銀行作準
 有關優惠詳情及條款及細則，請參閲中國銀行（香港）有限公司網頁
 提供的訊息僅供參考，實際情況須根據你的信貸評分而定，並以相關機構的決定為準。
 借定唔借？還得到先好借！
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中銀貸款最高貸款額及還款期

中銀分期「易達錢」- 稅季貸款最高貸款額HK$400萬或月薪18倍，還款期最長60個月，中銀香港「易達錢」結餘轉戶貸款額最高HK$200萬或月薪21倍，還款期最長72個月。

中銀貸款申請資格及所需文件

申請中銀香港私人貸款的最低年齡要求為18歲，必須為香港工作之全職人士，月薪達HK$6,000或以上。

申請時需提供香港身份證（非香港永久性居民需提供護照副本）近3個月內之現居住址證明（如電費單、差餉單或銀行月結單等）、有效的入息證明文件（包括附有姓名、賬戶號碼及最近2個月薪金的銀行月結單或存摺/最近1個月糧單/最新稅單）。如為獨資或合夥經營人士，請附上公司之商業登記證及最近期稅單。

中銀貸款批核及放款時間

中銀香港貸款審批時間需時約7至10個工作天，成功批核後，客戶可直接於手機銀行或網上銀行確認並接收貸款。

BOC中銀香港私人貸款2023：低息貸款及迎新優惠比較

💰 中銀貸款特點

BOC中銀私人貸款 2023

中銀分期「易達錢」- 稅季貸款

中銀分期「易達錢」 - 稅季貸款

最低實際年利率

最高貸款額

手續費

獎賞

中銀分期「易達錢」結餘轉戶

中銀分期「易達錢」結餘轉戶

最低實際年利率

最高貸款額

手續費

獎賞

中銀貸款特色

中銀貸款易唔易批

現金回贈優惠

實際年利率低至1.78%

還款期長達72個月

比較更多銀行貸款

中銀貸款最高貸款額及還款期

中銀貸款申請資格及所需文件

中銀貸款批核及放款時間

中銀香港貸款常見問題

中銀貸款的申請步驟是什麼？

中銀貸款收費？

中銀貸款可以提早還款嗎？

中銀貸款電話熱線

	實際年利率	還款期	最高貸款額
中銀分期「易達錢」稅季貸款	低至1.78%	長達60個月	HK$400萬或月薪18倍
中銀分期「易達錢」結餘轉戶	低至5.93％（已包括每年1％手續費）	長達72個月	HK$200萬或月薪21倍

條件	現金回贈
HK$50,000 至 HK$79,999	HK$200
HK$80,000 至 HK$199,999	HK$400
HK$200,000 至 HK$499,999	HK$800
HK$500,000 至 HK$999,999	HK$1,200
HK$1,000,000 或以上	HK$2,800

條件	現金回贈
HK$50,000 至 HK$199,999	HK$888
HK$200,000 至 HK$499,999	HK$3,888
HK$500,000 至 HK$999,999	HK$13,888
HK$1,000,000 或以上	HK$23,888