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安信私人貸款 | 最新貸款利息、計劃及優惠

20230519_安信信貸_Blog Cover
安信私人貸款最快可即批即過數，貸款HK$10萬以下免入息證明文件。安信貸款利率最低1.18%，申請貸款免手續費、行政費或提早還款手續費，更有14日延遲還款寬限。究竟安信信貸好唔好？即睇MoneyHero介紹安信貸款迎新優惠、貸款特點及實際年利率。

安信私人貸款簡介

安信信貸有限公司提供多項信貸服務，包括信用卡、私人貸款、業主私人貸款、循環貸款、結餘轉戶及債務重組計劃等。

申請安信私人貸款，可免申請文件、免手續費、免提前還款手續費，貸款HK$10萬以下免入息證明文件。而安信業主私人貸款提供高於一般私人貸款的貸款額，無論私人屋苑、單幢樓或唐樓業主都可申請，聯名物業一人申請即可，更免屋契，免上律師樓，最快一小時已有批核結果。

安信提供的貸款種類

安信定額私人貸款

安信定額私人貸款最高貸款額HK$80萬，不設收入要求，可選擇還款期3至72個月
Exclusive Offer

安信 定額私人貸款

安信 定額私人貸款

最低實際年利率

1.18
%

最高貸款額

HK$80萬

手續費

0%

獎賞

高達HK$12,400獎賞，包括MoneyHero獨家 HK$400 Apple Store禮品卡 / 惠康現金券；及高達HK$12,000現金獎！2023年10月16日下午6時截止！
  • 貸款成功批核後記得按此及7日內填妥「獎賞換領表格」
更多資訊
隱藏信息
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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/prcr/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","<em><span style=\"text-decoration: underline;\">「財務公司的私人貸款比銀行易批出，因為財務公司的審批彈性較大，對於信貸評級（TU）的要求亦會較寬鬆」</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/私人貸款-易批貸款-銀行-財務公司\" ga-category=\"personal-loan\" da-action=\"product panel - clicked\" ga-label=\"/rp/prcr/pl\" target=\"_blank\">【易批私人貸款】銀行及財務公司借錢批核條件比較</a>"],"cons":["<p><strong>注意事項</strong></p> <ul> <li> <p>推廣期由2023年10月1日至2023年12月31日止（包括首尾兩日）。優惠須受條款及細則約束，並不可與其他優惠同時使用。安信有權隨時終止有關優惠或修改其詳情及條款及細則而不作另行通知。貸款及優惠詳情，請向安信查詢。安信信貸有限公司擁有對貸款審批及任何爭議之最終決定權。</p> <li =\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2111 2999<br />放債人牌照號碼：759/2023</p></li> 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hs_updated_by_user_id=28491723}})

安信公務員及專業人士貸款

安信公務員及專業人士貸款適合醫生、護士、律師及教師等專業人士申請，最高貸款額HK$80萬，最低實際年利率1.18%，貸款額HK$30萬以下可享獨有14日延遲還款
Exclusive Offer

安信 公務員及專業人士貸款

安信 公務員及專業人士貸款

最低實際年利率

1.18
%

最高貸款額

HK$80萬

手續費

0%

獎賞

高達HK$12,400獎賞，包括MoneyHero獨家 HK$400 Apple Store禮品卡 / 惠康現金券；及高達HK$12,000現金獎！2023年10月16日下午6時截止！
  • 貸款成功批核後記得按此及7日內填妥「獎賞換領表格」
更多資訊
隱藏信息
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table_id=4701663, table_name=product_moneyhero, columns={hs_id=62168994037, hs_child_table_id=0, hs_updated_at=1696310897799, hs_published_at=1696413616363, productid=blt2dbce9bedbbac3fa_12_zh-hk, data={"__typename":"PersonalLoan","id":"blt2dbce9bedbbac3fa_12_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/bltdde0c91b58848bfa/5c2c8a9ab94b83c91a048b5d/primecredit.png","description":"TODO","dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"高達HK$12,400獎賞，包括MoneyHero獨家 <span style=\"font-size: large;\"><strong>HK$400 Apple Store禮品卡 / 惠康現金券；及高達HK$12,000現金獎！2023年10月16日下午6時截止！</strong></span><ul><li>貸款成功批核後記得<a href=\"https://moneyhero.link/primecredit-loan-exclusive-offer-pl-zh-result-page\" target=\"_blank\" rel=\"noopener\"><strong>按此</strong></a>及7日內填妥「獎賞換領表格」<span style=\"font-size: large;\"><strong></strong></span></li></ul>","bannerImage":null,"countdown":{"text":"快閃倒數","displayProductPage":true,"date":{"startDate":null,"endDate":"2022-04-29T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":101200000,"displayValue":"101,200","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":4216666,"displayValue":"4,217","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1180,"displayValue":"1.18","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaNWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcHJpbWVjcmVkaXQtY3NwLWxvYW4tcGwtcnAtY3Rh.aexdoXTqqMugzrRD51PqFXQBA_VGBkQCGbGM6C9kvyTnl9ymxCaxEJ8JCoB34-rqvnncIMfqIPa8UshxlBFkAg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"primecredit-civil-profession-loan"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":72,"loanAmountMin":5000.0,"loanAmountMax":800000.0,"apr":1.18,"eir":null,"interestRate":0.05,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"primecredit","providerName":"安信信貸"},"description":{"shortDescription":["【無額外收費】免手續費，免提前還款手續費","【鐵飯碗、專業人士】周轉失準？月息低至0.05%"]},"productName":"安信 公務員及專業人士貸款","title":"HK.PL.PRCR0011.CIVILSERVANTPROFESSIONALLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$400 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>：2023年9月21日中午12時至10月16日下午6時，成功經MoneyHero申請，並於10月16日或之前向安信交齊所有文件，不論貸款額及是否獲批核，可享HK$400 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情，請參閱<a href=\"https://moneyhero.link/pl-primecredit-loan-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【安信 優惠】送高達HK$12,000現金獎 </strong><br> <ul><li>於2023年10月1日至2023年12月31日，成功申請及提取指定貸款，送高達HK$12,000現金獎</li></ul>","專業人士的定義： <ul> <li>包括但不限於醫生、護士、律師及教師</li> <li>安信保留對專業人士定義的最終詮釋權</li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>還款期長達72個月</li> <li>月息低至0.05%</li> <li>14日延遲還款寬限： <ul> <li>只適用於總貸款額HK$300,000或以下之指定私人貸款</li> <li>須於申請貸款時同時申請14日延遲還款寬限，每期還款只可延期一次</li> <li>須於指定還款日前3個工作天致電安信作有關安排，最長寬限期為14個日曆日</li> </ul> </li> <li>只限合資格客戶，貸款及優惠詳情，請參閱<a href=\"https://moneyhero.link/primecredit-csp-loan-pl-rp-landing\" rel=\"noopener\">安信網頁</a>。</p></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/prcr/civil\" 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> <p>推廣期由2023年10月1日至2023年12月31日止（包括首尾兩日）。優惠須受條款及細則約束，並不可與其他優惠同時使用。安信有權隨時終止有關優惠或修改其詳情及條款及細則而不作另行通知。貸款及優惠詳情，請向安信查詢。安信信貸有限公司擁有對貸款審批及任何爭議之最終決定權。</p> <li =\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br />查詢及投訴熱線：2111 2999<br />放債人牌照號碼：759/2023</p></li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","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. 以面容識別確認身份<br>3. 即時知道批核結果<br>4. 確認及發放貸款"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 身分證<br>2. 住址證明<br>3. 入息證明"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":72,"loanAmountMin":5000.0,"loanAmountMax":800000.0,"apr":1.18,"eir":null,"interestRate":0.05,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=安信 公務員及專業人士貸款, hs_name=, hs_updated_by_user_id=28491723}})

安信結餘轉戶

安信結餘轉戶計劃為客戶分析信用卡還款細節，整合所有債務後度身設計還款方案，減少利息支出，可選擇還款期長達72個月，降低還款壓力。

安信循環貸款

安信循環貸款最高可借HK$30萬，貸款金額HK$5萬以下可免入息證明，實際年利率最低4.64%，免收手續費、首年年費或提前還款手續費。

安信業主貸款

安信業主私人貸款不限物業種類，私人屋苑、單幢樓或唐樓業主都可申請，最高貸款額達HK$120萬，免屋契，免上律師樓，最快一小時已有批核結果。
    資料只供參考，因貸款條件及息率等會因應市場變動而不時調整，詳細資料以財務公司最新公布為準。

安信私人貸款特點及優勢

即時批核

客戶可在安信信貸網頁或安信兄弟手機應用程式申請貸款，全程可在網上辦理，最快可以即時獲知批核結果。

一小時現金到手

客戶確認貸款後可經轉數快即時轉賬，最快一小時收到現金，若客戶貸款HK$5萬或以下，亦可選擇到安信分行直接提取現金。

免入息證明

新舊客戶申請HK$10萬以下貸款，並符合指定信貸記錄要求，可毋須提供入息證明文件。若現有客戶曾於一年內提交入息證明文件並成功提取貸款，亦可豁免入息證明申請HK$10萬或以上貸款。

延遲還款

安信提供14日延遲還款寬限，不限次數，不會罰款，同時不會影響信貸記錄。此服務適用於HK$30萬以下的指定貸款，客戶需在申請貸款時同時申請14日延遲還款寬限，並於還款日的3個工作天前致電安信作相關安排，每期還款可延期一次，最長寬限期14天。

提早還款

安信貸款不收取任何手續費、行政費或提前還款手續費。

安信信貸私人貸款計算機

貸款計算機
貸款額 (HKD)
$
請輸入10萬~100萬以內的金額
100,000 1,000,000
還款期
月
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
噢！沒有相關搜尋結果
請修改或重設篩選項目

安信 定額私人貸款

安信 定額私人貸款

總還款額低至

N/A

每月還款額低至

N/A

最低實際年利率

N/A

高達HK$12,400獎賞，包括MoneyHero獨家 HK$400 Apple Store禮品卡 / 惠康現金券；及高達HK$12,000現金獎！2023年10月16日下午6時截止！
  • 貸款成功批核後記得按此及7日內填妥「獎賞換領表格」
更多資訊
隱藏資訊

安信 公務員及專業人士貸款

安信 公務員及專業人士貸款

總還款額低至

N/A

每月還款額低至

N/A

最低實際年利率

N/A

高達HK$12,400獎賞，包括MoneyHero獨家 HK$400 Apple Store禮品卡 / 惠康現金券；及高達HK$12,000現金獎！2023年10月16日下午6時截止！
  • 貸款成功批核後記得按此及7日內填妥「獎賞換領表格」
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。

安信私人貸款好唔好?

安信貸款利息比較

安信定額私人貸款最低年利率為1.18%，較市面上大部分財務公司貸款低息，如低於UA i-Money 特快網上私人貸款的1.68%及AEON「貸靈活」私人貸款的4.49%等產品。

安信結餘轉戶計劃最低實際年利率同樣未1.18%，亦低於市面上大部分結餘轉戶貸款產品，例如較UA咭數一筆清的1.68%、天星銀行Airstar貸款一筆清的2.99%及渣打銀行結餘轉戶計劃的4.67%等產品低。

安信貸款申請方法及步驟

要申請安信貸款，可於安信官網或手機應用程式選擇「申請私人貸款」，輸入姓名、身份證號碼和出生日期等個人資料、以及電話號碼和電郵地址等聯絡資料，最快可即時獲知貸款批核結果，其後上載文件及確認貸款，並接收貸款轉賬。

安信貸款還款期及還款方法

安信大部分貸款計劃的還款期由3個月至72個月，而安信業主私人貸款的還款期由12個月至84個月。

安信接受6種還款方法：

  • 自動轉賬：填妥並交回「私人貸款戶口直接付款授權書」，便會於到期還款日從指定銀行戶口自動扣除款項
  • PPS繳費靈：商戶號碼9165，需於到期還款日前最少3個工作天付款
  • 轉數快 (FPS)：於安信兄弟手機應用程式選擇以轉數快方式繳款，儲存個人還款二維碼以識別賬戶，然後登入個人銀行系統，並根據指示上載二維碼完成交易，通過轉數快即時過數。（每次繳款必須使用全新的二維碼，切勿直接輸入轉數快號碼，否則繳款將不能存入貸款戶口）
  • 7-11便利店：於安信兄弟手機應用程式選擇以7-Eleven方式繳款，以顯示7-Eleven便利店付款條碼，並於到期還款日前最少一個工作天在本港任何7-Eleven便利店以現金繳款
  • 安信分行：在辦公時間內於任何一間安信分行以現金或支票繳付款項。如以支票付款，支票抬頭寫上「安信信貸有限公司」，並於支票背頁寫上貸款戶口號碼
  • 郵遞：於到期還款日前最少3個工作天將劃線支票及付款存根（只適用於循環貸款戶口）寄回「灣仔郵政信箱23207號，安信信貸有限公司客戶服務中心」。支票抬頭寫上「安信信貸有限公司」，並於支票背頁寫上貸款戶口號碼，請勿郵寄現金或期票。

沒有收入證明/收入不穩人士

若客戶符合指定信貸記錄要求，申請安信HK$10萬以下可免入息證明文件，適合沒有收入證明人士或收入不穩定人士申請。

安信信貸分行

安信信貸在全港有19家分行，大部分營業時間星期一至星期五的上午10時至下午7時，以及星期六的上午9時至下午1時，具體如下：

中環分行：中環德輔道中 21-23 號歐陸貿易中心8樓

金鐘分行：金鐘金鐘道95號2樓2026-2027室

銅鑼灣分行：銅鑼灣怡和街2-6號英光大廈2樓

香港仔分行：香港仔湖北街12號裕景中心1樓

尖沙咀分行：尖沙咀加拿芬道20號加拿芬廣場1503A室

旺角分行：旺角彌敦道655號12樓1208室

深水埗分行：長沙灣長沙灣道280號惠康樓地下

觀塘分行：觀塘成業街7號寧晉中心17樓F室

紅磡分行：紅磡馬頭圍道126號地下

銷售中心 - 合盈商業中心：九龍太子彌敦道755號合盈商業中心4字樓（只提供貸款申請服務，不設櫃位服務）

銷售中心 - 旺角中心一期：九龍旺角彌敦道688號旺角中心一期712室（只提供貸款申請服務，不設櫃位服務）

荃灣分行：荃灣青山公路264-298號南豐中心1701室

沙田分行：沙田橫壆街1-15號好運中心商場2A號舖

大圍分行：大圍積富街33號積康樓地下A舖

大埔分行：大埔廣福道61號地下

屯門分行：屯門鄉事會路40-50號順利樓地下C舖

元朗分行：元朗大棠路11號光華廣場12樓02-04室

上水分行：上水龍琛路39號上水廣場1516室

葵芳分行：葵芳葵富路7-11號葵涌廣場2樓C152舖

安信信貸金融商品

安信信貸私人貸款常見問題

安信信貸私人貸款產品概覽

產品  貸款額 實際年利率 申請條件
安信定額私人貸款 高達HK$80萬 低至1.18% - 年滿18歲
安信結餘轉戶計劃 高達HK$80萬 低至1.18% - 未有列明
安信循環貸款 高達HK$30萬 低至4.64% - 年滿18歲
安信業主私人貸款 高達HK$120萬 低至1.18% - 年滿18歲
- 持有物業
安信公務員及專業人士貸款 高達HK$30萬 低至1.18% - 專業人士包括但不限於醫生、護士、律師及教師

經MoneyHero申請安信私人貸款有什麼優惠？

指定期間內，成功申請安信私人貸款及提取指定貸款額，可獲高達HK$12,000現金獎及MoneyHero獨家優惠HK$4,000 Apple Gift Card。

安信信貸私人貸款申請條件及門檻

申請安信定額私人貸款和安信結餘轉戶計劃只需年滿18歲。

安信信貸私人貸款設有自訂還款期嗎?

安信定額私人貸款、安信公務員及專業人士貸款和安信結餘轉戶計劃的還款期由3個月至72個月，安信業主私人貸款的還款期由12個月至84個月。

安信信貸私人貸款有隱藏費用嗎？

  • 手續費：免收
  • 行政費：免收
  • 提早還款費用：免收

安信信貸私人貸款申請至貸款批核時間

網上申請安信信貸私人貸款，最快可以即時知道批核結果，確認貸款後經轉數快即時過數。

如何查詢安信貸款批核狀況？

於安信網站選擇「查詢批核狀況」，輸入姓名、身份證號碼和參考編號。

安信信貸私人貸款可如何提取？

客戶可以選擇到安信分行提取現金（適用於HK$5萬以下貸款）或經「轉數快」轉賬至銀行戶口。

安信信貸電話

安信信貸客戶服務熱線為2111 2999，辦公時間為星期一至五的上午九時至下午七時，以及星期六的上午九時至下午一時。
申請安信信貸私人貸款，可獲高達HK$12,000現金獎！

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。

© 2013 - 2023 MoneyHero Global Limited（於香港註冊，公司編號為 1864714）(“MHGL”)。版權所有。MoneyHero Insurance Brokers Limited（於香港註冊，公司編號為2196683）(”MHIBL”) 為MHGL全資擁有的子公司。 MHIBL於香港註冊，公司編號為2196683，亦為一間許可編號為FB1740的授權保險經紀，其業務是為客戶安排保險產品及服務。 MHGL不是保險公司，代理人或經紀。除了向虛擬保險公司提供營銷服務外，MHGL不會從事保險業務。本網站所顯示，提供或提及的所有與保險有關的活動均由MHIBL以經紀人身分提供。閣下使用我們的網站表明接受 我們的 使用條款 和 私隱政策。