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邦民貸款 | 最新邦民低息貸款及網上貸款計劃

20220805_邦民日本財務_Blog-Cover.jpg

邦民貸款提供網上貸款低息貸款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 !
更多資訊
隱藏信息
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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; 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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=1711497612721, 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=}, 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=}, 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=1713139213745, 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 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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> 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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 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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
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!