邦民貸款 | 最新邦民低息貸款及網上貸款計劃

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邦民貸款提供網上貸款、低息貸款及結餘轉戶等貸款計劃。部份計劃更免證明文件，客戶可在網上完成整個貸款申請過程。即睇MoneyHero介紹邦民貸款特點、利息及最新申請優惠。

邦民日本財務簡介

邦民日本財務（香港）為日本SMBC Consumer Finance Co., Ltd的全資海外附屬公司。邦民於1992年香港成立，持有放債人牌照，主要業務是提供無須任何擔保或抵押的私人貸款服務。

邦民提供一般分期貸款、結餘轉戶、大專學生貸款等計劃，主打靈活及多元化，有別於一般信貸或私人財務公司，邦民特設日息計算方法及循環備用現金貸款等服務，貸款申請過程全程可在網上辦理，解決客戶周轉需要。

邦民在港有23間分行遍佈港九新界，亦設「24小時會員專線」及「網上會員服務」，為客戶提供全天候電話及網上支援。

邦民日本財務貸款2024

邦民特快低息貸款


邦民特快低息貸款實際年利率最低1.12%，網上申請最快即時批核即時過數，利息以日息計算，借一日錢只需支付一日利息，可隨時提早還款免罰息或手續費。貸款HK$10萬以下免證明文件，只需身份證及手提電話，歡迎無固定僱主人士、Freelance及大專生申請。若提交額外證明文件，貸款額可高達HK$90萬。
最新優惠
Featured

邦民 特快低息貸款

邦民 特快低息貸款

最低實際年利率

1.12
%

最高貸款額

HK$90萬

手續費

0%

獎賞

[借HK30,000賞HK$1,000] 即日起至2024年3月31日，新客成功貸款HK$30,000，並符合指定條件，可獲獎HK$1,000現金。貸款額愈高，獎賞愈多.

  • 貸款無需證明文件，可即時獲得初步批核金額 ！
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邦民低息結餘轉戶貸款


邦民低息結餘轉戶貸款實際年利率最低4.49%，貸款額高達HK$90萬，可一次過整合所有信用卡卡數及私人貸款，還款期由3個月至84個月，可按個人財務狀況選擇不同還款期，提早還款同樣免罰息或手續費。
最新優惠

邦民 低息結餘轉戶貸款

邦民 低息結餘轉戶貸款

最低實際年利率

4.49
%

最高貸款額

HK$90萬

手續費

0%

獎賞

[借HK30,000賞HK$1,000] 即日起至2024年3月31日，新客成功貸款HK$30,000，並符合指定條件，可獲獎HK$1,000現金。貸款額愈高，獎賞愈多.

  • 貸款無需證明文件，可即時獲得初步批核金額 ！
更多資訊
隱藏信息
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日息計算，息隨本減。提早還款，絕不收罰息或手續費，易借易還"]},"productName":"邦民 低息結餘轉戶貸款","title":"HK.PL.PROM0002.PROMISEPERSONALLOAN","features":{"title":"Features","pros":["<p><strong>【邦民優惠】高達HK$10,000 現金獎賞</strong></p> <ul> \t<li>2024年1月1日起至2024年3月31日，全新客戶成功申請，可獲高達HK$10,000 現金獎賞，詳情如下。</li> </ul> <table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:center; width:12.5645%\"><strong>首次提取貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:18.0501%\"><strong>現金獎賞</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$10,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$400,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$6,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$200,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$3,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$30,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$1,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$10,000 至 HK$29,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$500</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>合資格全新客戶必須於2024年6月30日或之前領取此獎賞，逾期作廢</li> </ul> <p>&nbsp;</p>","申請HK$100,000以下貸款，無需提供入息證明文件","利息以日息計算，息隨本減；絶不收取任何貸款手續費、入會費、年費或循環貸款手續費","「瞬間過數」適用於經「轉數快」轉賬之貸款，惟系統維護時段除外","貸款額高達HK$900,000。還款期可長達84個月","「無需現身」只適用於選擇網上簽署貸款合約之客戶，惟客戶須符合邦民日本財務（香港）有限公司「網上簽約」服務的相關貸款條件。客戶亦可選擇親臨分行簽署貸款合約","「網上即時批核」僅為初步批核結果，邦民日本財務（香港）有限公司保留最終審批權利","<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/promise/pl\" target=\"_blank\">【借唔到錢？】拆解貸款被拒之謎，6招解決困擾</a>","<p><em><span style=\"text-decoration: underline;\">沒有住址證明？沒有入息證明？財務公司和銀行都提供免入息證明貸款！</span></em><br />MoneyHero貸款專家：<a class=\"product-panel-trackable\" href=\"https://www.moneyhero.com.hk/blog/zh/免文件-免入息證明-貸款-銀行-財務公司-比較-檢閱\" target=\"_blank\" rel=\"noopener\">【免入息證明貸款2023】銀行及財務公司免文件貸款比較</a></p>"],"cons":["所有示例年利率資訊只作參考，最終批核按個別申請人之實際情況而定","受<a href=\"https://ad.doubleclick.net/ddm/trackclk/N195002.1981105MONEYHERO/B9863873.137249342;dc_trk_aid=309612013;dc_trk_cid=113061440;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=\" target=\"_blank\" rel=\"noopener\">條款及細則</a>約束，詳情請瀏覽活動推廣網頁","如內容的釋義有所差異，概以邦民日本財務（香港）有限公司的釋義為準","邦民日本財務（香港）有限公司保留貸款批核之最終決定權，以及在沒有預先通知下隨時可更改是次推廣活動之條款","<p style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br>查詢及投訴熱線：3199 1199<br>放債人牌照號碼：1229/2023</p>"]},"eligibility":[],"offers":null,"enableCountdown":false,"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":3,"loanTenureMax":84,"loanAmountMin":5000.0,"loanAmountMax":900000.0,"apr":4.49,"eir":null,"interestRate":0.2,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1737590415760, hs_created_at=1695110866339, hs_is_edited=false, hs_deleted_at=0, productname=邦民 低息結餘轉戶貸款, hs_updated_by_user_id=60412388}}, reorder_comparables=[]}, 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=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, product_singsaver={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=, href_with_scheme=}, open_in_new_tab=true, no_follow=false, sponsored=false, user_generated_content=false, rel=noopener}}}, promotional={display_within_collapsible=false, show_banner=false, show_promotional_in_card=true}, static_text={cta_button_label=官網申請, rewards=獎賞, see_less=隱藏信息, see_more=更多資訊, cta_button_subtext=, yes=Yes, no=No, day=Day, days=Days}, style={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}, call_to_action_subtext_color={color=#687076, opacity=100, rgba=rgba(104, 112, 118, 1), rgb=rgb(104, 112, 118), hex=#687076, css=#687076}, 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}}}, tabs={basic_benefit={show=false, expanded=false, order_sequence=1, heading=Basic Benefits, items=[]}, eligibility={show=false, expanded=false, order_sequence=1, heading=Eligibility, text=Eligibility}, enhanced_benefit={show=false, expanded=false, order_sequence=1, heading=Enhanced Benefits, items=[]}, features={heading=產品特色, order_sequence=1, show=true, expanded=true}, fees={show=false, expanded=false, order_sequence=1, heading=Fees, labels={fee_frequency=Fee Frequency, duration_of_inactivity=Duration of Inactivity, duration_of_inactivity_indicator=Duration of Inactivity Indicator}}, promotions_terms_and_conditions={show=false, expanded=false, order_sequence=1, heading=Terms & Conditions, additional_offer=Additional Offer, exclusive_offer=Exclusive Offer, welcome_offer=Welcome Offer}, usage={show=false, expanded=false, order_sequence=1, heading=Usage, labels=[]}, show=true, other_benefit={show=true, expanded=false, order_sequence=1, heading=Other Benefits, items=[]}, benefit_limits={show=true, expanded=false, order_sequence=1, heading=Benefit Limits, items=[]}}, type=module}) null (SizeLimitingPyMap: {columns={hs_id=79950659537, hs_child_table_id=0, hs_updated_at=1708341518866, hs_published_at=1737590415674, productid=blt978292420fb616bb_31_zh-hk, data={"__typename":"PersonalLoan","id":"blt978292420fb616bb_31_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt67adc4b4ba773ec9/64c9f3a957051285f4dd7f47/HK_SignatureA_C.png","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>[借HK30,000賞HK$1,000]</strong> 即日起至2024年3月31日，新客成功貸款HK$30,000，並符合指定條件，可獲獎<span style=\"font-size: large;\"><strong>HK$1,000現金</strong></span>。貸款額愈高，獎賞愈多.</p><ul><li>貸款無需證明文件，可即時獲得初步批核金額 ！</li></ul>","bannerImage":null,"countdown":{"text":"快閃倒數","displayProductPage":true,"date":{"startDate":"2021-05-20T04:00:00.000Z","endDate":"2022-04-29T10:00:00.000Z"}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"WELCOME_GIFT","display":"最新優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":104800000,"displayValue":"104,800","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":4366666,"displayValue":"4,367","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":4490,"displayValue":"4.49","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaSGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcHJvbWlzZS1kZWJ0LWNvbnNvbGlkYXRpb24tbG9hbi1wbC16aC1yZXN1bHQtcGFnZQ.nNX4SK9jCq_1O7b5chl0PB6itiyejGJRim_cK2ch5ZwDZTLWttnQQAKT1f4j0m2t89U2znvV3wJot04hqYQ4CQ","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"promise-debt-consolidation"},"rateTableEntries":[{"loanTenureMin":3,"loanTenureMax":84,"loanAmountMin":5000.0,"loanAmountMax":900000.0,"apr":4.49,"eir":null,"interestRate":0.2,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"promise","providerName":"邦民日本財務"},"description":{"shortDescription":["【特長還款期】還款期可長達84個月","【節省利息開支】 日息計算，息隨本減。提早還款，絕不收罰息或手續費，易借易還"]},"productName":"邦民 低息結餘轉戶貸款","title":"HK.PL.PROM0002.PROMISEPERSONALLOAN","features":{"title":"Features","pros":["<p><strong>【邦民優惠】高達HK$10,000 現金獎賞</strong></p> <ul> \t<li>2024年1月1日起至2024年3月31日，全新客戶成功申請，可獲高達HK$10,000 現金獎賞，詳情如下。</li> </ul> <table style=\"width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:center; width:12.5645%\"><strong>首次提取貸款額</strong></td> \t\t\t<td style=\"height:50px; text-align:center; width:18.0501%\"><strong>現金獎賞</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$500,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$10,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$400,000 至 HK$499,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$6,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$200,000 至 HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$3,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$30,000 至 HK$199,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$1,000</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:12.5645%\">HK$10,000 至 HK$29,999</td> \t\t\t<td style=\"border-top:1px solid #ededed; height:50px; text-align:center; width:18.0501%\">HK$500</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>合資格全新客戶必須於2024年6月30日或之前領取此獎賞，逾期作廢</li> </ul> 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href=\"https://ad.doubleclick.net/ddm/trackclk/N195002.1981105MONEYHERO/B9863873.137249342;dc_trk_aid=309612013;dc_trk_cid=113061440;dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;ltd=\" target=\"_blank\" rel=\"noopener\">條款及細則</a>約束，詳情請瀏覽活動推廣網頁","如內容的釋義有所差異，概以邦民日本財務（香港）有限公司的釋義為準","邦民日本財務（香港）有限公司保留貸款批核之最終決定權，以及在沒有預先通知下隨時可更改是次推廣活動之條款","<p style=\"font-size: 12px;\">忠告：借錢梗要還，咪俾錢中介<br>查詢及投訴熱線：3199 1199<br>放債人牌照號碼：1229/2023</p>"]},"eligibility":[],"offers":null,"enableCountdown":false,"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":3,"loanTenureMax":84,"loanAmountMin":5000.0,"loanAmountMax":900000.0,"apr":4.49,"eir":null,"interestRate":0.2,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_name=, hs_initial_published_at=1737590415760, hs_created_at=1695110866339, hs_is_edited=false, hs_deleted_at=0, productname=邦民 低息結餘轉戶貸款, hs_updated_by_user_id=60412388}, id=79950659537, table_id=4701663, table_name=product_moneyhero})

邦民貸款有甚麼優勢

特快批核


客戶經網上申請貸款後，最快可即時獲得初步批核結果，並經轉數快過數，在星期六日亦會批核貸款申請。（只適用於星期日辦公時間內經網上辦理貸款，公眾假期除外）

即時過數


邦民貸款批核後，會即時經轉數快過數至客戶銀行賬戶，星期一至星期六最快瞬間過數。

零手續費


邦民貸款不收取任何手續費、入會費、年費或循環貸款手續費。

靈活利息計算


邦民貸款利息以日息計算，借一日錢付一日利息，如客戶提早還款，利息只需計算至還款當日，而非收取整個月的利息。貸款本金會逐期減少，往後利息會根據還款後的尚欠本金計算。

無需現身


客戶可在網上完成整個貸款流程，包括申請、簽約和過數，客戶全程無需現身，不用到分行簽約（適用於選擇網上簽署貸款合約之客戶，須符合相關貸款條件）

無需證明文件


申請貸款一般都需要遞交入息證明和住址證明等文件，經邦民申請貸款金額在HK$10萬以下無需提供入息證明文件，只需身份證和手提電話。若客戶可提交額外證明文件（住址證明和入息證明），最高貸款額可達HK$90萬。

客戶只需年滿18歲便可申請邦民貸款計劃，若客戶沒有固定僱主或並非全職僱員，亦可申請「非固定僱主人士貸款」，貸款額最高同樣是HK$10萬。

較優惠的實際年利率

邦民特快低息貸款實際年利率最低1.12%，與市面上其他貸款產品相比屬較低水平，如較財務公司安信定額私人貸款的1.18%、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%等產品都更低。

邦民低息結餘轉戶貸款最低實際年利率4.49%，亦較市面上的大部分結餘轉戶貸款低息，如低於渣打銀行結餘轉戶計劃的4.67%、星展銀行「貸易清」私人貸款的6.38%及信銀國際 $mart Plus結餘轉戶的7.19%等產品。

邦民貸款利息計算機

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
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
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邦民 特快私人貸款

邦民 特快私人貸款

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

[借HK30,000賞HK$1,000] 即日起至2024年3月31日，新客成功貸款HK$30,000，並符合指定條件，可獲獎HK$1,000現金。貸款額愈高，獎賞愈多.

  • 貸款無需證明文件，可即時獲得初步批核金額 ！
更多資訊
隱藏資訊

邦民 低息結餘轉戶貸款

邦民 低息結餘轉戶貸款

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

[借HK30,000賞HK$1,000] 即日起至2024年3月31日，新客成功貸款HK$30,000，並符合指定條件，可獲獎HK$1,000現金。貸款額愈高，獎賞愈多.

  • 貸款無需證明文件，可即時獲得初步批核金額 ！
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。

邦民提供的貸款類型

私人貸款


邦民網上貸款計劃提供一般分期貸款、大專學生貸款和自僱人士免文件貸款等，客戶申請指定貸款額以下可免證明文件，還款期由3個月至84個月。

稅貸


邦民在每年稅季亦會推出稅貸優惠，除了低息優惠之外，提取貸款額達指定金額還可獲現金獎賞。

循環貸款


邦民循環貸款批核後可隨時提供循環備用現金，無須逐次申請，客戶亦可自由調整還款期和還款額。

特快低息私人貸款


邦民特快低息私人貸款可於網上完成整個申請過程，最快即時批核，即時經轉數快過數，邦民低息貸款計劃實際年利率低至1.12%。
產品  貸款額 實際年利率 申請條件
邦民特快低息貸款 高達HK$90萬 低至1.12% - 年滿18歲
- 持有香港居民身份證
邦民低息結餘轉戶貸款 高達HK$90萬 低至4.49% - 年滿18歲
- 持有香港居民身份證
邦民循環貸款 高達HK$90萬 低至4.49% - 年滿18歲
- 持有香港居民身份證

邦民貸款最新優惠

指定期間內，全新客戶成功申請邦民私人貸款及提取指定貸款額，可獲高達HK$1萬現金獎賞。

邦民日本財務分行

邦民在全港有23家分行，營業時間星期一至星期五的9am至7pm，個別分行會於星期六的9am至1pm營業，具體如下

灣仔分行：灣仔軒尼詩道196-198號英京大廈地下

銅鑼灣分行：銅鑼灣渣甸街25 號金利隆中心1樓

西灣河分行：筲箕灣道88號地下

尖沙咀分行：尖沙咀加連威老道29號信基商業中心3樓

碧街分行：旺角彌敦道555號九龍行地下2號舖

旺角分行：旺角西洋菜街168號3樓B室

太子站分行：太子彌敦道760號聯合廣場地下G23舖

深水埗分行：深水埗欽州街45號金寶樓地下4號舖

新蒲崗分行：新蒲崗崇齡街95-97號地下1號舖

新蒲崗分行：新蒲崗崇齡街95-97號地下1號舖

觀塘康寧道分行：觀塘康寧道22-24號康寧大廈地下A鋪

觀塘廣場分行：觀塘開源道68號觀塘廣場地下G6及G7舖

藍田匯景分行：藍田匯景道8號匯景廣場第4層2S舖

葵芳分行：葵芳葵富路7-11號葵涌廣場3樓87A舖

南豐中心分行：荃灣南豐中心11樓1118室

沙咀道分行：荃灣沙咀道328號寶石大廈地下G16舖

屯門分行：屯門鄉事會路4-26號明偉大樓地下9號舖

元朗分行：元朗青山公路196-202號元朗大廈1樓A室

大棠站分行：元朗青山公路41號誠信商業大廈地下B舖

大圍站分行：大圍大圍道94 - 102號天寶樓地下4號舖

沙田分行：沙田好運中心地下2B舖

大埔分行：大埔墟廣福道41-43號美德大廈地下1號舖

上水分行：上水新豐路103號地下

邦民還款方法

邦民接受6種還款方法：
  • 自動轉賬：客戶於自選銀行簽妥直接付款授權書，邦民便會每月由指定銀行戶口自動轉賬還款
  • PPS繳費靈*：經電話「18033」或繳費靈網頁版登記邦民賬單，邦民商戶編號為「81」，以8位數字邦民會員號碼登記及繳交賬單
  • 7-11便利店*：以會員卡上的條碼 (Bar code) 或還款QR Code到7-11以現金繳費，每次上限HK$5,000，超出上限將分開多次處理
  • 銀通 (JETCO) 自動櫃員機 「繳費易」*：透過銀通自動櫃員機的「繳費易」還款，輸入商戶編號「8151」及8位數字邦民會員號碼以繳付賬單
  • 中銀香港網上銀行*：透過中銀香港網上銀行繳付賬單，選擇服務類別「繳付賬單」及商戶類別「信貸財務」，再輸入8位數字會員號碼
  • 易辦事EPS：親身到邦民分行以易辦事付款。
*若選擇經繳費靈、7-11便利店、自動櫃員機或中銀香港網上銀行繳費，一般需時一至三個工作天才反映至邦民公司系統，建議客戶留下繳費收據或參考編號作日後核對之用。

邦民日本財務的金融商品

邦民Promise私人貸款常見問題

邦民私人貸款還款期

邦民特快低息貸款還款期由3個月至84個月，邦民低息結餘轉戶貸款和邦民循環貸款還款期同樣長達84個月。

邦民私人貸款申請條件及門檻

申請邦民私人貸款只需年滿18歲並持有香港居民身份證。

邦民私人貸款申請至貸款批核時間

經網上申請邦民私人貸款，最快可以即時獲初步批核，如選擇以銀行戶口轉賬收取貸款，完成貸款手續後會經「轉數快」即時轉賬，於星期一至六瞬間過數 (惟系統維護時段除外) 。

申請邦民Promise私人貸款計劃要用什麼作為入息證明？

申請邦民貸款需提供最近三個月之糧單、公司信、強積金供款證明，若客戶只提供身份證及手提電話辦理申請，貸款額上限為HK$10萬。

申請邦民私人貸款步驟

要申請邦民貸款，可按以下步驟操作：
  1.  經MoneyHero選擇邦民私人貸款產品，點擊「官網申請」
  2. 於邦民網站點擊「立即申請」
  3. 填寫個人資料、工作資料和貸款資料後，遞交貸款申請
  4. 進行網上審批程序，最快即時收到初步批核結果
  5. 登入「簽署貸款合約專區」，提交身份證、銀行存摺、月結單或提款卡、住址證明和入息證明文件
  6. 簽署合約
  7. 貸款過數

邦民私人貸款申請專線：(852)3199 1199
申請專線服務時間︰星期一至五上午九時至下午七時，星期六上午九時至下午五時三十分

邦民Promise私人貸款有隱藏費用嗎？

  • 手續費：全免

  • 提早還款費用：邦民利息是以日息計算，提早還款毋須繳付任何額外費用 

  • 逾期供款：以尚欠本金計算逾期日息，且每次收取HK$100逾期還款行政費用

邦民Promise私人貸款批出的方式是什麼？可以如何提取？

客戶可以選擇親臨邦民任何一間分行以現金支票方式收取貸款，或以銀行戶口轉賬收取貸款，如選擇以銀行戶口轉賬收取貸款，完成貸款手續後會經「轉數快」即時轉賬，於星期一至六瞬間過數 (惟系統維護時段除外) 。
申請邦民日本財務私人貸款，可獲高達HK$1萬現金獎賞！

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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