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CITIC信銀國際私人貸款計劃及利息比較

Citic信銀國際貸款利息低至1.9%，貸款額高達HK$200萬。究竟信銀國際信貸好唔好？即睇MoneyHero介紹Citic信銀國際貸款迎新優惠、貸款特點及實際年利率。
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Citic信銀國際貸款計劃特色


Citic信銀國際提供多項信貸服務，包括私人貸款、循環貸款、結餘轉戶等，$mart Plus私人分期貸款利息低至1.9%，貸款金額高達HK$200萬或月薪18倍，並設有循環提取貸款服務。

申請Citic信銀國際貸款最快1分鐘內獲得初步批核，即日發放至借貸人的信銀國際戶口，在短時間內解決財務所需。

信銀國際貸款計劃好處

個人化利息


Citic信銀國際貸款計劃設有個人化利息，且息率與市面上其他貸款產品相比屬較低水平。信銀國際$mart Plus私人分期貸款的實際年利率低至1.9%，與滙豐分期「萬應錢」的2.47%和AEON「貸靈活」私人貸款的4.49%等產品相比更為優惠。信銀國際$mart Plus分期貸款結餘轉戶的最低實際年利率則為7.19%。
 

靈活還款期


Citic信銀國際$mart Plus私人分期貸款的還款期具彈性，可選擇由最短6個月至最長60個月。
Citic信銀國際$mart Plus分期貸款結餘轉戶的還款期更為靈活，由最短12個月至最長72個月。
 

高貸款額


Citic信銀國際$mart Plus私人分期貸款的最高貸款額為申請人月薪18倍或HK$200萬（以較低者為準）。
Citic信銀國際$mart Plus分期貸款結餘轉戶的最高貸款額為申請人月薪21倍或HK$200萬（以較低者為準）。

Citic信銀貸款計劃


$mart Plus私人分期貸款


Citic信銀國際 $mart Plus 私人分期貸款實際年利率低至1.9%，貸款金額高達月薪18倍或HK$200萬（以較低者為準）。申請人最快可於1分鐘內獲悉初步批核結果，批出之貸款將即日發放至申請人的信銀國際戶口。

$mart Plus 私人分期貸款的還款期靈活，可選擇6個月至60個月。此外，$mart Plus 私人分期貸款另設循環提取貸款選擇，借貸人可申請循環提取已償還本金，經本網申請並成功提取指定貸款金額及還款期還可獲額外獎賞。

信銀國際 $mart Plus 私人貸款

信銀國際 $mart Plus 私人貸款

最低實際年利率

1.9
%

最高貸款額

HK$200萬/月薪18倍

手續費

每年1%

獎賞

【10月3日截止】經MoneyHero成功申請貸款，可享獨家禮品價值高達HK$12,999

【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 HKTVmall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$600！即睇詳情
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$mart Plus 私人貸款","title":"HK.PL.CCBI0001.SMARTPLUSPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>MoneyHero獨家優惠 - Sennheiser或Apple禮品高達HK$12,999</strong><br />2023年8月7日中午12時至10月3日期間（推廣期），客戶經MoneyHero成功申請及提取信銀國際 $mart Plus 分期貸款，並於成功申請的一個月內提取貸款，可享以下MoneyHero獨家優惠﹕</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px; width: 36.2216%;\"><strong>貸款額</strong></td> <td style=\"text-align: center; height: 50px; width: 37.9261%;\"><strong>選項1</strong></td> <td style=\"text-align: center; width: 25.8523%;\"><strong>選項2</strong></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$1,000,000 或以上</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">Sennheiser Ambeo Soundbar Plus (價值HK$12,999)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$12,000 惠康現金券 / Apple Store禮品卡</span></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$700,000 – HK$999,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">iPad mini Wi‑Fi 256GB (價值HK$5,199)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$5,000 惠康現金券 / Apple Store禮品卡</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$400,000 – HK$699,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">LG AF20CREAM PuriCare™ 4-In-1 Aerofurniture (價值 HK$4,380)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$3,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$100,000 – HK$399,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$2,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$80,000 – HK$99,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Willen (價值HK$999)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$800 惠康現金券</span></td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citic-tnc-listing\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.9%</li> <li>貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）</li> <li>靈活還款期由最短6個月至最長60個月</li> <li>最快即日放款至您的信銀國際戶口</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/citic/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>實際年利率1.90%以貸款金額HK$2,000,000、還款期12個月及每月平息0.001%計算，並已包括每年1%手續費。實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> <li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> 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$mart Plus 私人貸款","title":"HK.PL.CCBI0001.SMARTPLUSPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>MoneyHero獨家優惠 - Sennheiser或Apple禮品高達HK$12,999</strong><br />2023年8月7日中午12時至10月3日期間（推廣期），客戶經MoneyHero成功申請及提取信銀國際 $mart Plus 分期貸款，並於成功申請的一個月內提取貸款，可享以下MoneyHero獨家優惠﹕</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px; width: 36.2216%;\"><strong>貸款額</strong></td> <td style=\"text-align: center; height: 50px; width: 37.9261%;\"><strong>選項1</strong></td> <td style=\"text-align: center; width: 25.8523%;\"><strong>選項2</strong></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$1,000,000 或以上</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">Sennheiser Ambeo Soundbar Plus (價值HK$12,999)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$12,000 惠康現金券 / Apple Store禮品卡</span></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$700,000 – HK$999,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">iPad mini Wi‑Fi 256GB (價值HK$5,199)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$5,000 惠康現金券 / Apple Store禮品卡</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$400,000 – HK$699,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">LG AF20CREAM PuriCare™ 4-In-1 Aerofurniture (價值 HK$4,380)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$3,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$100,000 – HK$399,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$2,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$80,000 – HK$99,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Willen (價值HK$999)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$800 惠康現金券</span></td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citic-tnc-listing\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>實際年利率低至1.9%</li> <li>貸款金額高達月薪18倍或HK$2,000,000（以較低者為準）</li> <li>靈活還款期由最短6個月至最長60個月</li> <li>最快即日放款至您的信銀國際戶口</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/citic/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>實際年利率1.90%以貸款金額HK$2,000,000、還款期12個月及每月平息0.001%計算，並已包括每年1%手續費。實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> <li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。</li> 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$mart Plus分期貸款結餘轉戶


Citic信銀國際 $mart Plus分期貸款結餘轉戶的貸款金額高達月薪21倍或HK$200萬（以較低者為準）。靈活還款期長達72個月，最短則為12個月，並設有個人化息率，最低實際年利率為7.19%，經本網申請並成功提取指定貸款金額及還款期同樣可獲額外獎賞。

信銀國際 $mart Plus分期貸款 - 結餘轉戶

信銀國際 $mart Plus分期貸款 - 結餘轉戶

最低實際年利率

7.19
%

最高貸款額

HK$200萬/月薪21倍

手續費

每年1%

獎賞

【10月3日截止】經MoneyHero成功申請貸款，可享獨家禮品價值高達HK$12,999

【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 HKTVmall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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border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$12,000 惠康現金券 / Apple Store禮品卡</span></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$700,000 – HK$999,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">iPad mini Wi‑Fi 256GB (價值HK$5,199)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$5,000 惠康現金券 / Apple Store禮品卡</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$400,000 – HK$699,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">LG AF20CREAM PuriCare™ 4-In-1 Aerofurniture (價值 HK$4,380)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$3,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$100,000 – HK$399,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$2,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$80,000 – HK$99,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Willen (價值HK$999)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$800 惠康現金券</span></td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citic-tnc-listing\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款金額高達月薪21倍或HK$2,000,000（以較低者為準）</li> <li>長達72個月還款期，並特設個人化息率</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/citic/dc\" 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>實際年利率低至7.19%，以月平息0.213%、貸款額HK$500,000 、還款期60個月計算 。當中已包括按獲批核貸款額計每年1％手續費。</li> <li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。 <ul> <li>在此列出的每月平息及實際年利率只供參考，最終批核結果將根據客戶的財政狀況而定 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0.213%"]},"productName":"信銀國際 $mart Plus分期貸款 - 結餘轉戶","title":"HK.PL.CCBI0002.SMARTPLUSDEBTCONSOLIDATION","features":{"title":"Features","pros":["<p><strong>MoneyHero獨家優惠 - Sennheiser或Apple禮品高達HK$12,999</strong><br />2023年8月7日中午12時至10月3日期間（推廣期），客戶經MoneyHero成功申請及提取信銀國際 $mart Plus 分期貸款，並於成功申請的一個月內提取貸款，可享以下MoneyHero獨家優惠﹕</p> <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"text-align: center; height: 50px; width: 36.2216%;\"><strong>貸款額</strong></td> <td style=\"text-align: center; height: 50px; width: 37.9261%;\"><strong>選項1</strong></td> <td style=\"text-align: center; width: 25.8523%;\"><strong>選項2</strong></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$1,000,000 或以上</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">Sennheiser Ambeo Soundbar Plus (價值HK$12,999)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$12,000 惠康現金券 / Apple Store禮品卡</span></td> </tr><tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$700,000 – HK$999,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">iPad mini Wi‑Fi 256GB (價值HK$5,199)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$5,000 惠康現金券 / Apple Store禮品卡</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$400,000 – HK$699,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"> <p><span style=\"font-weight: 400;\">LG AF20CREAM PuriCare™ 4-In-1 Aerofurniture (價值 HK$4,380)</span></p> </td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$3,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$100,000 – HK$399,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Stanmore II 家用藍牙喇叭 (價值HK$3,499)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$2,000 惠康現金券</span></td> </tr> <tr> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 36.2216%;\">HK$80,000 – HK$99,999</td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 37.9261%;\"><span style=\"font-size: 14px;\">Marshall Willen (價值HK$999)</span></td> <td style=\"text-align: center; height: 50px; border-top: 1px solid #ededed; width: 25.8523%;\"><span style=\"font-size: 14px;\">HK$800 惠康現金券</span></td> </tr> </tbody> </table> <ul> <li>所有獨家獎賞均以顏色隨機形式發出</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-citic-tnc-listing\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款金額高達月薪21倍或HK$2,000,000（以較低者為準）</li> <li>長達72個月還款期，並特設個人化息率</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/citic/dc\" 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>實際年利率低至7.19%，以月平息0.213%、貸款額HK$500,000 、還款期60個月計算 。當中已包括按獲批核貸款額計每年1％手續費。</li> <li>實際年利率是按照香港銀行公會發出的有關指引所載的做法及方式計算，實際年利率是一個參考利率，以年化利率展示出已包括基本的利率、其他適用的手續費及收費。 <ul> <li>在此列出的每月平息及實際年利率只供參考，最終批核結果將根據客戶的財政狀況而定 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Citic信銀貸款計劃可以提早還款嗎？


Citic信銀貸款計劃接受借貸人提前還清貸款，不過需收取額外手續費，$mart Plus私人分期貸款及$mart Plus分期貸款結餘轉戶的罰息均為批核貸款金額的2%，另外需償還所有結欠貸款本金，以及計算至下一個還款日的利息。

Citic信銀貸款計劃的申請條件


  • 年滿18歲
  • 香港永久居民
  • 所需文件：
    • 有效香港身份證、護照或其他身份證明文件
    • 近3個月的住址證明（如電費單或銀行月結單）
    • 近1個月入息證明的銀行月結單或存摺影印本（若月薪收入為佣金制人士，需提供近2個月的入息證明）

Citic信銀國際私人貸款常見問題

Citic信銀貸款計劃可以用來交稅嗎？

Citic信銀國際$mart Plus私人分期貸款計劃對申請人的貸款用途並無限制，可以用作交稅或其他個人財務需要，而Citic信銀國際$mart Plus分期貸款結餘轉戶就只能用作清還貸款。

如何申請信銀國際私人貸款？

有資金需要的人士可透過以下方法申請中信銀行私人貸款：
  • 親身到中信銀行分行辦理
  • 通過電子渠道（包括inMotion流動應用程式、網上銀行及官方網頁）
  • 致電中信銀行借貸熱線 2287 6767
  • 填妥申請表格並傳真至 3603 4668
  • 寄回填妥的申請表格至香港郵政總局郵箱8998號

聲明﹕MoneyHero致力確保網站提供的資訊是最新及最準確。網站所顯示的資訊或與金融機構或服務供應商之網站有所出入。MoneyHero網站顯示的金融產品及服務資訊僅供參考，並非提供建議。貸款產品比較頁面顯示的實際年利率及每月還款額是根據閣下所輸入的資料而作出之估算。考慮申請產品前，我們建議你查閱產品之官方條款及細則。如發現資訊有出入，請直接聯絡相關金融機構。

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