OK財務 私人貸款

當有資金需要想申請貸款時,面對市面上林林總總的貸款計劃,哪一個才最適合自己?申請貸款時又有甚麼地方需要留意?MoneyHero貸款101為你提供各類私人貸款tips,助你借得精明!
去旅行或購物花費太多,積下多筆卡數,一時周轉不靈無法還清全部卡數的話,只還Min Pay只會令利息愈滾愈多。
如只是欠下小量卡數,只需要短期周轉的話,不少人會選擇以月結單分期應付,將還款期攤長,減低每月還款壓力,但要留意通常只可以向發卡機構申請月結單分期。
如已欠下多筆信用卡數或私人貸款,月結單分期就未必可以全部解決債務問題,此時可考慮結餘轉戶貸款。結餘轉戶貸款是一種專門用於清還卡數的私人貸款,為卡主「轉移」多筆高息的卡數及私人貸款至一個利息較低,還款期更長的結餘轉戶貸款計劃。結餘轉戶貸款可為消費者整合債務之餘,更可減低利息支出和不必要的逾期罰款。
巿面上不少銀行和財務公司均提供結餘轉戶貸款服務,部分計劃對TU評級要求較低,還款期最高可達84個月。
若只是日常小額消費,如購買傢私電器等HK$10萬或以下的消費,可先考慮信用卡分期,而結婚、買車、裝修等需要數十萬的大額開支則可考慮申請私人貸款,將開支分攤至較長時間,減輕每月資金壓力。
若只是日常小額消費,如購買傢私電器等HK$10萬或以下的消費,可先考慮信用卡分期,而結婚、買車、裝修等需要數十萬的大額開支則可考慮申請私人貸款,將開支分攤至較長時間,減輕每月資金壓力。
結婚想擺酒起碼預留HK$15萬開支,包括預訂酒席、化妝、租婚紗及攝影等,就算分開落訂2至3次仍屬大額費用,每次最低消費HK$5萬,仍屬大額費用。把握落訂時機,利用不同信用卡的迎新回贈,如以現金獎賞減低日常開支,或用里數換蜜月機票節省旅費,MoneyHero教大家如何入手!
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- 適用之實際年利率由10.06%至48.00%,還款期由3至72個月。OK財務保留批核貸款之最終決定權
- 假設貸款額為HK$10,000, 還款期為12個月,每月平息為1%,並已包括按貸款金額1%計算之手續費在內之實際年利率為26.27%, 利息總額為HK$1,208.0,還款總額為HK$11,208.0(已約至小數後一個位)。以上例子只供參考
- 實際年利率乃根據《銀行營運守則》之指引計算,並已被約至小數後兩個位。實際年利率是一個參考利率,以年化利率展示出包括產品的基本利率及其他費用與收費。所有示例之實際年利率只供參考,最終批核的實際年利率(或息率)將按個別申請人之實際情況而定
- OK財務保留隨時終止或更改有關推廣優惠及其條款及細則之權利,而毋須另行通知。如有任何爭議,OK財務保留最終決定權。
- 推廣優惠須受有關條款及細則約束,詳情請瀏覽OK財務網頁
- 借定唔借?還得到先好借!
本文提及的服務 / 產品並不是以歐盟的人士為目標
"],"pros":["【MoneyHero 獨家優惠】HK$500超市現金券
- 即日起至2023年12月31日,經MoneyHero成功申請OK財務私人貸款及提取貸款,可享獨家HK$500超市現金券
- 如何領取MoneyHero獨家優惠?
- 申請時請記下申請參考編號。建議一次過交齊所需文件,以加快批核程序
- 收到表格後7日内,請填妥及遞交較早前經電郵發送之「獎賞換領表格」,供MoneyHero與OK財務核對獎賞資格
- 申請小貼士﹕
- 申請產品前請關掉AdBlocker及「私人模式」:3項設定讓你順利取得MoneyHero獨家優惠
","OK財務禮券獎賞計劃
- 客戶於2023年8月2日至12月31日期間向安基財務有限公司遞交私人貸款申請並成功提取貸款,可獲最高HK$8,000超級市場禮券(申請及成功提取貨款HK$800,000,可獲HK$8,000超級市場禮券)
- 優惠須受有關條款及細則約束,詳情請參閱安基財務網頁所載之條款及細則
","產品特色
- 貸款額高達月薪21倍或HK$800,000(以較低者為準)
- 還款期長達72個月
- 最低實際年利率為10.06%,月平息低至0.44%
- 特低利息,HK$10,000貸款每日利息只需約HK$3.4(假設貸款額為HK$10,000及每月30日,並以每月平息1%計算)
- 「即場得知申請結果」:由申請至批核最快可於半小時內完成
- 只適用於辦公時間內親身到OK財務分行申請並同時提交所有所需文件及資料的客戶
- OK財務保留批核貸款之最終決定權及隨時終止或更改「即場得知申請結果」之權利
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(SizeLimitingPyMap: {__typename=PersonalLoan, applicationProcess=[], apr=null, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=110560000, displayValue=110,560, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=4606666, displayValue=4,607, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=12532, displayValue=12.532, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaOGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtb2stZmluYW5jZS1wZXJzb25hbC1sb2FuLXpoLXJw.ZYJz3xL9CczJZQC_O4kwmc9tkmWqx-4UwZOMe76elEJyqFpV0TNQQTZ-LrLOySfFI0NDBwfT67-o1VgfYKNCBg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, description={shortDescription=[【提提你】留下聯絡電話,方便OK財務聯絡你, 還款期長達72個月;貸款額高達月薪21倍或HK$800,000 (較低為準)]}, disclaimer=null, eligibility=[], enableCountdown=false, enableFlipBanner=false, featured=false, features={title=Features, pros=[<p><strong>【MoneyHero 獨家優惠】HK$500超市現金券</strong></p> <ul> <li>即日起至2023年12月31日,經MoneyHero成功申請OK財務私人貸款及提取貸款,可享獨家HK$500超市現金券</li> <li style="font-weight: 400;" aria-level="2"><strong>如何領取MoneyHero獨家優惠?</strong> <ul> <li style="font-weight: 400;" aria-level="2"><span style="font-weight: 400;">申請時請記下申請參考編號。建議一次過交齊所需文件,以加快批核程序</span></li> <li style="font-weight: 400;" aria-level="2"><strong>收到表格後7日内</strong><span style="font-weight: 400;">,請填妥及遞交較早前經電郵發送之「獎賞換領表格」,供MoneyHero與OK財務核對獎賞資格</span></li> <li style="font-weight: 400;" aria-level="2"><strong>申請小貼士﹕</strong><br /> <ul> <li style="font-weight: 400;" aria-level="2"><strong><span style="font-weight: 400;">申請產品前請關掉AdBlocker及「私人模式」:</span><a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360040503912-3%E9%A0%85%E8%A8%AD%E5%AE%9A%E8%AE%93%E4%BD%A0%E9%A0%86%E5%88%A9%E5%8F%96%E5%BE%97MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0"><span style="font-weight: 400;">3項設定讓你順利取得MoneyHero獨家優惠</span></a></strong></li> </ul> </li> </ul> </li> </ul>, <p><strong>OK財務禮券獎賞計劃</strong></p> <ul> <li>客戶於2023年8月2日至12月31日期間向安基財務有限公司遞交私人貸款申請並成功提取貸款,可獲最高HK$8,000超級市場禮券(申請及成功提取貨款HK$800,000,可獲HK$8,000超級市場禮券)</li> <li>優惠須受有關條款及細則約束,詳情請參閱安基財務網頁所載之條款及細則</li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪21倍或HK$800,000(以較低者為準)</li> <li>還款期長達72個月</li> <li>最低實際年利率為10.06%,月平息低至0.44%</li> <li>特低利息,HK$10,000貸款每日利息只需約HK$3.4(假設貸款額為HK$10,000及每月30日,並以每月平息1%計算)</li> <li>「即場得知申請結果」:由申請至批核最快可於半小時內完成 <ul> <li>只適用於辦公時間內親身到OK財務分行申請並同時提交所有所需文件及資料的客戶</li> <li>OK財務保留批核貸款之最終決定權及隨時終止或更改「即場得知申請結果」之權利</li> </ul> </li> </ul>], cons=[<p><strong>注意事項</strong></p> <ul> <li>適用之實際年利率由10.06%至48.00%,還款期由3至72個月。OK財務保留批核貸款之最終決定權</li> <li>假設貸款額為HK$10,000, 還款期為12個月,每月平息為1%,並已包括按貸款金額1%計算之手續費在內之實際年利率為26.27%, 利息總額為HK$1,208.0,還款總額為HK$11,208.0(已約至小數後一個位)。以上例子只供參考</li> <li>實際年利率乃根據《銀行營運守則》之指引計算,並已被約至小數後兩個位。實際年利率是一個參考利率,以年化利率展示出包括產品的基本利率及其他費用與收費。所有示例之實際年利率只供參考,最終批核的實際年利率(或息率)將按個別申請人之實際情況而定</li> <li>OK財務保留隨時終止或更改有關推廣優惠及其條款及細則之權利,而毋須另行通知。如有任何爭議,OK財務保留最終決定權。</li> <li>推廣優惠須受有關條款及細則約束,詳情請瀏覽OK財務網頁</li> <li>借定唔借?還得到先好借!<br />本文提及的服務 / 產品並不是以歐盟的人士為目標</p></li> </ul>]}, functional={metaData={alias=ok-finance-personal-loan}, rateTableEntries=[{loanTenureMin=6, loanTenureMax=6, loanAmountMin=5000.0, loanAmountMax=14999.0, apr=13.5451, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=6, loanTenureMax=6, loanAmountMin=15000.0, loanAmountMax=49999.0, apr=13.2779, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=1, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=6, loanTenureMax=6, 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loanAmountMax=600000.0, apr=11.1864, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=3, description={shortDescription=, longDescription=, tooltip=}}]}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=600001.0, loanAmountMax=800000.0, apr=11.1864, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, value=3, description={shortDescription=, longDescription=, tooltip=}}]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=ok-finance, providerName=OK財務}, description={shortDescription=[【提提你】留下聯絡電話,方便OK財務聯絡你, 還款期長達72個月;貸款額高達月薪21倍或HK$800,000 (較低為準)]}, productName=OK財務 私人貸款, title=HK.PL.OKFX0001.OKFINANCEPERSONALLOAN, features={title=Features, pros=[【MoneyHero 獨家優惠】HK$500超市現金券
- 即日起至2023年12月31日,經MoneyHero成功申請OK財務私人貸款及提取貸款,可享獨家HK$500超市現金券
- 如何領取MoneyHero獨家優惠?
- 申請時請記下申請參考編號。建議一次過交齊所需文件,以加快批核程序
- 收到表格後7日内,請填妥及遞交較早前經電郵發送之「獎賞換領表格」,供MoneyHero與OK財務核對獎賞資格
- 申請小貼士﹕
- 申請產品前請關掉AdBlocker及「私人模式」:3項設定讓你順利取得MoneyHero獨家優惠
, OK財務禮券獎賞計劃
- 客戶於2023年8月2日至12月31日期間向安基財務有限公司遞交私人貸款申請並成功提取貸款,可獲最高HK$8,000超級市場禮券(申請及成功提取貨款HK$800,000,可獲HK$8,000超級市場禮券)
- 優惠須受有關條款及細則約束,詳情請參閱安基財務網頁所載之條款及細則
, 產品特色
- 貸款額高達月薪21倍或HK$800,000(以較低者為準)
- 還款期長達72個月
- 最低實際年利率為10.06%,月平息低至0.44%
- 特低利息,HK$10,000貸款每日利息只需約HK$3.4(假設貸款額為HK$10,000及每月30日,並以每月平息1%計算)
- 「即場得知申請結果」:由申請至批核最快可於半小時內完成
- 只適用於辦公時間內親身到OK財務分行申請並同時提交所有所需文件及資料的客戶
- OK財務保留批核貸款之最終決定權及隨時終止或更改「即場得知申請結果」之權利
], cons=[注意事項
- 適用之實際年利率由10.06%至48.00%,還款期由3至72個月。OK財務保留批核貸款之最終決定權
- 假設貸款額為HK$10,000, 還款期為12個月,每月平息為1%,並已包括按貸款金額1%計算之手續費在內之實際年利率為26.27%, 利息總額為HK$1,208.0,還款總額為HK$11,208.0(已約至小數後一個位)。以上例子只供參考
- 實際年利率乃根據《銀行營運守則》之指引計算,並已被約至小數後兩個位。實際年利率是一個參考利率,以年化利率展示出包括產品的基本利率及其他費用與收費。所有示例之實際年利率只供參考,最終批核的實際年利率(或息率)將按個別申請人之實際情況而定
- OK財務保留隨時終止或更改有關推廣優惠及其條款及細則之權利,而毋須另行通知。如有任何爭議,OK財務保留最終決定權。
- 推廣優惠須受有關條款及細則約束,詳情請瀏覽OK財務網頁
- 借定唔借?還得到先好借!
本文提及的服務 / 產品並不是以歐盟的人士為目標
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calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=500000.0, loanAmountMax=600000.0, apr=11.5213, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=55, loanTenureMax=60, loanAmountMin=600001.0, loanAmountMax=800000.0, apr=11.5219, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=5000.0, loanAmountMax=14999.0, apr=11.4538, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=15000.0, loanAmountMax=49999.0, apr=11.4509, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=50000.0, loanAmountMax=99999.0, apr=11.3611, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=100000.0, loanAmountMax=199999.0, apr=11.3606, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=200000.0, loanAmountMax=299999.0, apr=11.3493, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=300000.0, loanAmountMax=399999.0, apr=11.3456, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=400000.0, loanAmountMax=499999.0, apr=11.3437, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=500000.0, loanAmountMax=600000.0, apr=11.3426, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=61, loanTenureMax=66, loanAmountMin=600001.0, loanAmountMax=800000.0, apr=11.3437, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=5000.0, loanAmountMax=14999.0, apr=11.4315, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=15000.0, loanAmountMax=49999.0, apr=11.283, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=50000.0, loanAmountMax=99999.0, apr=11.2087, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=100000.0, loanAmountMax=199999.0, apr=11.1866, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=200000.0, loanAmountMax=299999.0, apr=11.1865, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=300000.0, loanAmountMax=399999.0, apr=11.1865, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=400000.0, loanAmountMax=499999.0, apr=11.1864, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=500000.0, loanAmountMax=600000.0, apr=11.1864, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}, {loanTenureMin=67, loanTenureMax=72, loanAmountMin=600001.0, loanAmountMax=800000.0, apr=11.1864, eir=null, interestRate=0.44, fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=3, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=DEDUCT_FROM_WITHDRAWAL, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}
*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。
根據2022年ESDlife生活易的「全港結婚消費調查」,結婚開支約HK$42萬。
推介渣打國泰萬事達卡,簽賬HK$6萬迎新里數可達4萬里,婚宴落訂便可賺到蜜月旅行里數,換雙人日韓機票。Citi Cash Back信用卡有無上限1%現金回贈,不怕有簽賬上限!
借貸渠道琳瑯滿目,財務公司、傳統銀行及虛擬銀行各有好處。財務公司特點為審批要求較為寬鬆,部分可豁免查閱信貸報告,惟利息偏高、最高貸款額亦較低。傳統銀行則會審視借款人的信貸記錄,一般只向信貸評級良好但暫無入息證明者批出免入息貸款,不過最高貸款額可高達HK$300萬至HK$400萬。至於虛擬銀行,運作模式與傳統銀行大致相同,皆需查核信貸資料庫,最高貸款額則普遍為HK$100萬至HK$150萬左右。部分虛擬銀行標榜可利用大數據分析審批貸款申請,聲稱五分鐘或九十秒即可知結果,亦有虛擬銀行毋需申請人提供入息住址證明。總括而言,三者各具特色,借款人應按照個人財務背景選擇最合適的貸款方案。
延伸閱讀:虛擬銀行貸款比較及獨家優惠
月平息只反映每月利息支出,卻未計及手續費、行政費等其他收費,難以全面反映借貸真實成本。相反,實際年利率能準確表示整個還款期內,借款人需繳付的所有費用,包括利息及相關收費。雖然部分貸款或標榜「全期免息」,但仍有可能徵收其他費用,因此不應只參考月平息,以至低估實際開支。實際年利率的計算並非簡單利用月平息直接乘以十二個月,而需運用特定公式,亦可利用網上轉換器輔助計算。總括而言,實際年利率比月平息更能凖確地反映整體借貸成本,切忌忽視月平息以外的其他費用。
申請信貸產品時,銀行會查閱申請人的信貸報告,報告內容包括信貸評分、信用額使用度及破產記錄等資訊。信貸評分的優劣反映借款人的違約風險,因此信貸評分會直接影響借錢利率的高低。如果你未來有借貸需求但信貸評級未如理想,可以嘗試以下幾種方法改善信貸記錄:準時還款、控制整體信貸使用率、定期查核信貸報告,以及避免短時間內頻繁借貸。
延伸閱讀:TU 信貸評級如何影響借錢利率?
延伸閱讀:信貸資料不準確如何拖累信貸評級
巿面上私人貸款種類繁多,包括免文件貸款、網上貸款、特快貸款及免TU貸款等,究竟哪一種貸款能夠最快獲批核?事實上不同機構提供的私人貸款可能同時包括以上多種貸款的特點,如同時可經網上申請及可於星期六日接受批核。雖然批核速度愈快愈能解決申請人的燃眉之急,但留意申請門檻愈低,如免文件、免TU等特點,由於放貸一方會承受更高風險,因此這種貸款的利息一般較高,貸款額亦會較低,申請人宜根據自身所需選擇適合的貸款。
貸款類型 | 特點 |
免文件貸款 | 免入息證明貸,惟款額度有限,利率較高 |
網上貸款 | 可經網上申請兼提交證明文件,利率較低 |
特快貸款 | 24小時網上申請,包括星期六日,所需證明文件較簡單 |
免TU貸款 | 不會查核信貸報告,惟審批門檻較低,貸款額度有限,利率較高 |
以下三項為申請銀行及財務公司貸款時最常見的證眀文件:
工作及入息證明
*工作性質為兼職、佣金制或利潤分享人士,需要呈交過去3個月內的文件。
個人身份證明
住址證明
私人貸款申請人的最高貸款額一般月薪掛鉤,最高月薪倍數可達12倍至21倍不等,普遍因個別銀行或財務公司的貸款計劃而異。如申請人正受卡數問題困擾,在申請結餘轉戶計劃時,不少銀行在卡數總額的基礎上提供額外的貸款額度,供申請人作日常生活之用。雖然額外的貸款額度能夠緩解迫切的週轉困難,但「借錢梗要還」,亦會衍生利息,所以貸款時切記要權衡自己的還款能力。
延伸閱讀:私人貸款可借月薪倍數及計算方法
選擇還款期時申請人應權衡每月還款額與總利息支出的平衡。選擇較長還款期每月供款較壓力固然較少,但總利息開支會相應地大幅增加。反之,較短的還款期雖然每月供款壓力較重,但總利息支出較低。申請人應根據個人還款能力,選擇最適合的還款期。同時也要考慮貸款有否手續費或行政費,這些收費或會因還款期而有所差異,直接影響總貸款成本。
延伸閱讀:私人貸款最長還款期幾耐?還款期愈長愈好?
銀行或財務公司拒絕批核貸款的主要原因通常有兩個:其一是申請人的信貸評分過低,如曾破產、進行債務重組、拖欠還款等,均會嚴重影響信貸評分;其二是申請人的還款能力未符要求,如申請人未有穩定收入。
此外,同一時間向多家貸款機構查詢會導致過多查詢紀錄而拖低評分。另一個特殊情況是申請人過往完全沒有任何信貸紀錄(包括信用卡),在放債機構眼中亦屬高風險群組。
延伸閱讀:借唔到錢?拆解貸款被拒之謎,6招解決困擾
不少人以為提早還款可以節省利息,但不少貸款方案訂眀提早還款會產生罰息或手續費,大約為原有貸款額的1至3%,此時貸款人需要衡量提早還款的額外成本是否多於從中節省的利息。
還款人一旦因周轉不靈或忘記還款而需延遲還款,有機會產生高達40%實際年利率的罰息以及手續費,並會嚴重影響貸款人的信貸記錄。坊間有一線財務公司提供彈性還款貸款方案,並給予還款寬限期,雖然延遲還款不會罰息,但仍會產生HK$100至HK$300的行政費用。
申請破產並不等於可免去債務,破產人的收入及資產會被破產管理署用作攤還債務。破產時,破產人亦不得購買高價商品,生活要盡量樸素。另外,破產人士將無法再從事律師及會計師等特定行業,足見破產對日後生活影響深遠。
如無力還款,其實可以考慮結餘轉戶及債務重組等選擇,重新制定還款方案,減少欠債對日後生活的影響。
延伸閱讀:破產後果|了解申請破產後果及生活影響
延伸閱讀:結餘轉戶私人貸款到底慳幾多利息?
延伸閱讀:詳解債務重組程序、好處及與破產比較
結束日期
2025年 06月 16日
+ 1 項其他獎賞
結束日期
2025年 05月 29日
+ 11 項其他獎賞
結束日期
2025年 05月 29日
+ 3 項其他獎賞
結束日期
2025年 05月 31日
由2025年5月12日下午6時至2025年6月16日下午6時(包括首尾兩日),經MoneyHero申請並提取指定私人貸款,提交獎賞換領表格並於表格內分享貸款故事,就有機會嬴走一年還款額等值之現金回贈!
禮品選項
客戶於推廣期內由2025年4月30日下午6時至2025年5月29日下午6時,成功經MoneyHero申請貸款額 HK$800,000 以上,並於2025年5月29日或之前向渣打銀行交齊所有文件,不論貸款是否獲批核,可享 HK$800 現金禮券
成功遞交申請7日內記得按此填妥「獎賞換領表格」
禮品選項
貸款額 HK$ 800,000 以上
禮品選項
貸款額 HK$ 800,000 或以上
貸款額自 HK$ 300,000 至 HK$ 799,999
貸款額自 HK$ 200,000 至 HK$ 299,999
貸款額自 HK$ 100,000 至 HK$ 199,999
貸款額 HK$800,000 或以上:
貸款額自 HK$300,000 至 HK$799,999:
貸款額自 HK$200,000 至 HK$299,999:
貸款額自 HK$100,000 至 HK$199,999:
如欲了解優惠詳情,請參閱條款及細則
【渣打迎新優惠- 現金回贈高達 HK$8,000】客戶由2025年4月1日至2025年5月31日,於網上成功申請及提取渣打私人分期貸款可享高達HK$8,000現金回贈。
禮品選項
還款期自 36 個月 至 60 個月 + 貸款額自 HK$ 1,500,000 或以上
還款期自 36 個月 至 60 個月 + 貸款額自 HK$ 500,000 至 HK$ 1,499,999
還款期自 36 個月 至 60 個月 + 貸款額自 HK$ 400,000 至 HK$ 499,999
還款期自 36 個月 至 60 個月 + 貸款額自 HK$ 200,000 至 HK$ 399,999
1. 於網上申請
2. 上載文件
3. 即時批核
4. 確認及發放貸款
1. 香港永久性居民身份證
2. 最近期住宅地址證明
3. 固定收入人士請提供最近1個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄;非固定收入人士請提供最近3個月之電腦編印糧單或附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄;自僱人士請提供商業登記證及最近之營業稅單
結束日期
2025年 06月 16日
結束日期
2025年 05月 31日
由2025年5月12日下午6時至2025年6月16日下午6時(包括首尾兩日),經MoneyHero申請並提取指定私人貸款,提交獎賞換領表格並於表格內分享貸款故事,就有機會嬴走一年還款額等值之現金回贈!
成功遞交申請請7日內記得按此填妥「獎賞換領表格」
禮品選項
如欲了解優惠詳情,可以查看活動頁面及參閱條款及細則
禮品選項
「高達 HK$18,000 現金」之條款及細則
客戶凡於推廣期內,經此網頁申請及提取指定私人貸款淨貸款額HK$50,001至HK$800,000及還款期達12期,即可獲享以淨貸款額1%計算之現金獎;淨貸款額HK$800,000以上及還款期達12期,即可獲享以淨貸款額1.5%計算之現金獎。申請指定私人貸款之業主可獲享之最高金額為HK$18,000;而非業主可獲享之最高金額則為HK$8,000。每位客戶於推廣期內只可獲享優惠乙次。
推廣期由2025年3月1日起至2025年5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。
結束日期
2025年 06月 16日
+ 1 項其他獎賞
結束日期
2025年 05月 29日
+ 5 項其他獎賞
結束日期
2025年 05月 31日
由2025年5月12日下午6時至2025年6月16日下午6時(包括首尾兩日),經MoneyHero申請並提取指定私人貸款,提交獎賞換領表格並於表格內分享貸款故事,就有機會嬴走一年還款額等值之現金回贈!
禮品選項
【MoneyHero 獨家優惠】由2025年4月30日下午6時至2025年5月29日下午6時(包括首尾兩日),經MoneyHero申請WeLend貸款同交齊文件,無論成功與否都可獲HK$500 Apple Store 禮品卡 或 惠康購物現金券
成功遞交申請7日內記得填妥「獎賞換領表格」
禮品選項
禮品選項
還款期至少 24 個月以上 + 貸款額 HK$ 800,000 或以上
還款期至少 24 個月以上 + 貸款額自 HK$ 600,000 至 HK$ 799,999
還款期至少 24 個月以上 + 貸款額自 HK$ 500,001 至 HK$ 599,999
還款期至少 24 個月以上 + 貸款額自 HK$ 300,001 至 HK$ 500,000
還款期至少 24 個月以上 + 貸款額自 HK$ 200,001 至 HK$ 300,000
還款期至少 24 個月以上 + 貸款額自 HK$ 150,001 至 HK$ 200,000
1. 網上申請
2. 上載文件
3. 即時批核
4. 確認及發放貸款
1. 香港身份證影本
2. 放款戶口的證明
3. 住址證明
4. 收入證明
(固定收入人士:最近1個月的收入證明
佣金制收入人士:最近3個月的收入證明
地產銷售行業人士: 最近6個月的收入證明)
+ 1 項其他獎賞
結束日期
2025年 05月 31日
+ 1 項其他獎賞
結束日期
2025年 05月 31日
結束日期
2025年 05月 31日
【MoneyHero限時獨家優惠- 批唔批都送】自2025年5月1日至2025年5月31日,合資格全新客戶必需經MoneyHero申請邦民私人貸款,無論成功與否都可獲HK$600 惠康購物現金券 / HKTVmall電子購物禮券
禮品選項
【MoneyHero限時獨家優惠】自2025年5月1日至2025年5月31日,合資格全新客戶必需經MoneyHero申請邦民私人貸款,並成功提取HK$10,000或以上貸款額,可獲HK$1,000 惠康購物現金券 / HKTVmall電子購物禮券
禮品選項
【邦民優惠: 高達HK$15,000現金獎賞】即日起至2025年5月31日期間,合資格全新客戶首次提取貸款可獲高達HK$15,000現金獎賞
禮品選項
結束日期
2025年 06月 16日
+ 1 項其他獎賞
結束日期
2025年 05月 29日
+ 8 項其他獎賞
結束日期
2025年 05月 29日
+ 9 項其他獎賞
結束日期
2025年 06月 30日
由2025年5月12日下午6時至2025年6月16日下午6時(包括首尾兩日),經MoneyHero申請並提取指定私人貸款,提交獎賞換領表格並於表格內分享貸款故事,就有機會嬴走一年還款額等值之現金回贈!
禮品選項
禮品選項
請注意,此優惠由Money Hero 提供,與銀行無關。
禮品選項
還款期 12 個月或以上 + 貸款額 HK$ 800,000 或以上
還款期 12 個月或以上 + 貸款額自 HK$ 300,000 至 HK$ 799,999
還款期 12 個月或以上 + 貸款額自 HK$ 100,000 至 HK$ 299,999
如欲了解優惠詳情,請參閱條款及細則
請注意,此優惠由Money Hero 提供,與銀行無關。
【中信銀行雙倍現金回贈 - 高達HK$16,800現金回贈】由2025 年 4 月 1 日起至 2025 年 6 月 30 日 (包括首尾兩日) (「推廣期」) ,成功申請及提取$mart Plus分期貸款,包括分期貸款 或 結餘轉戶,而貸款金額達 HK$100,000或以上及還款期達 12 個月或以上之客戶,可享相應現金回贈。客戶成功提取分期貸款可享基本現金回贈高達HK$8,400; 成功提取結餘轉戶或加借服務可享雙倍現金回贈高達HK$16,800
禮品選項
還款期由 48 個月 至 72 個月 + 貸款額 HK$ 1,500,000 或以上
還款期由 12 個月 至 36 個月 + 貸款額 HK$ 1,500,000 或以上
還款期由 48 個月 至 72 個月 + 貸款額自 HK$ 1,000,000 至 HK$ 1,499,999
還款期由 12 個月 至 36 個月 + 貸款額自 HK$ 1,000,000 至 HK$ 1,499,999
還款期由 48 個月 至 72 個月 + 貸款額自 HK$ 500,000 至 HK$ 999,999
還款期由 12 個月 至 36 個月 + 貸款額自 HK$ 500,000 至 HK$ 999,999
還款期由 48 個月 至 72 個月 + 貸款額自 HK$ 200,000 至 HK$ 499,999
還款期由 12 個月 至 36 個月 + 貸款額自 HK$ 200,000 至 HK$ 499,999
還款期由 48 個月 至 72 個月 + 貸款額自 HK$ 100,000 至 HK$ 199,999
還款期由 12 個月 至 36 個月 + 貸款額自 HK$ 100,000 至 HK$ 199,999
1. 有效香港身份證/ 護照/ 或其他身份證明文件
2. 最近 1 個月顯示入息證明之銀行月結單或存摺影印本( 存摺影印本需附上印有閣下姓名及賬戶號碼之首頁)或任何形式的入息證明。
若月薪收入為佣金制人士,請提供最近 2 個月之入息證明
3. 如為自僱人士,請附上公司之商業登記及最近期之利得稅稅單及最近 3 個月之公司戶口月結單
4. 附有閣下姓名之最近 3 個月內發出的現居址證明(例如:電費單或銀行月結單)
5. 專業資格證明(只適用於專業資人士)
6. 如閣下為非香港永久性居民身份證持有人,請附護照/往來港澳通行證/原居地身份證副本(如適用)及香港特別行政區發出的工作證
7. 放款戶口之存摺首頁/月結單副本
8. 自動轉賬授權書
9. 欲轉至信銀國際 $mart Plus 分期貸款之信用卡或貸款之貸款確認信或最近 1 個月之信用卡結單(須印有閣下姓名及貸款號碼)
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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