東亞銀行提供的稅季貸款之還款期是?

稅季貸款一般還款期為12或24個月，但可視乎申請人需要而長達至60個月 ; 最終獲批核之貸款還款期將按個別客戶情況而有所調整。

東亞銀行提供的稅季貸款最多可借多少?

稅季貸款的貸款額根據申請人的底薪而定，最高可達每月底薪12倍 (最高HK$1,200,000)。

東亞銀行稅務貸款實際年利率低是多少?

實際年利率低至1.32%。但貸款確認書上所列明的實際年利率將不包括任何現金回贈，個別客戶的實際年利率及每月還款額或有差異，應以貸款確認書上所列明的資料為準。

Citibank 私人貸款比較：Citi 貸款利息及限時優惠2023

Exclusive Offer

Citi 稅季貸款

總還款額低至

411,520

每月還款額低至

11,431

最低實際年利率

1.78

獎賞

更多資訊

隱藏信息

產品特色

Debug data (Print)

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height: 250px;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 22.017%; text-align: left;"><strong>貸款額</strong></td> <td style="width: 27.983%; height: 50px; text-align: left;"><strong>電子產品</strong></td> <td style="width: 25%; height: 50px; text-align: left;"><strong>Apple Store 禮品卡 / 超市現金券</strong></td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$800,000 或 以上</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>iPhone 14 Pro 128GB (價值HK$8,599)&nbsp;</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$8,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$500,000 至 HK$799,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style="border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$300,000 至 HK$499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$200,000 至 HK$299,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$100,000 至 HK$199,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385" target="_blank" rel="noopener">條款及細則</a></li> </ul>, <p><strong>【Citi迎新優惠】高達HK$10,000現金券<br /></strong>客戶須於2023年1月1日至2023年3月31日期間成功申請Citi 稅季貸款，並於2023年4月14日或之前提取貸款，可獲高達HK$10,000現金券：</p> <table style="width: 100%; height: 312px;"> <tbody> <tr style="height: 18px;"> <td style="width: 22.671%; text-align: left; height: 108px;" rowspan="2"><strong><br /></strong><strong>貸款額</strong></td> <td style="width: 32.8785%; text-align: left; height: 18px;" colspan="2"><strong>還款期長達24個月或以下</strong><strong><br /></strong></td> <td style="width: 36.4992%; text-align: left; height: 18px;" colspan="2"><strong>還款期長達24個月以上</strong></td> </tr> <tr style="height: 50px;"> <td style="width: 16.7304%; text-align: left; height: 90px;"><strong>花旗私人客戶/Citigold客戶/<br />Citi ULTIMA卡<br />之持有人</strong></td> <td style="width: 16.1481%; text-align: left; height: 90px;"><strong>其他客戶</strong></td> <td style="width: 16.885%; height: 90px; text-align: left;"><strong>花旗私人客戶/Citigold客戶/</strong><br /><strong>Citi ULTIMA卡</strong><br /><strong>之持有人</strong></td> <td style="width: 19.6142%; height: 90px; text-align: left;"><strong>其他客戶</strong></td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;">HK$1,500,000 或 以上</td> <td style="border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;"> <p>HK$5,000</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;"> <p>HK$2,500</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;">HK$10,000</td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;">HK$4,000</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;">HK$800,000 至 HK$1,499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;"> <p>HK$2,500</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;"> <p>HK$2,000</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;"> <p>HK$5,000</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;">HK$3,000</td> </tr> <tr style="height: 54px;"> <td style="border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left; height: 54px;">HK$300,000 至 HK$799,999</td> <td style="border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 54px;"> <p>HK$1,500</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 54px;"> <p>HK$1,000</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.885%; text-align: left; height: 54px;"> <p>HK$3,000</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;">HK$2,000</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;">HK$100,000 至 HK$299,999</td> <td style="border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;"> <p>HK$800</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;"> <p>HK$500</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;">HK$1,000</td> <td style="border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;"> <p>HK$700</p> </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href="https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt115d51d562411a6d/63c90e9d03869c6b7f7dc4e1/2023_Q1_TIL_TnC_Dec22_v1.pdf" target="_blank" rel="noopener">條款及細則</a></li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$1,200,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</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/citibank/tax" 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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；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費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=<p>18歲</p>, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], 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=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})

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迎新送高達HK$10,000現金獎賞
靈活還款期，無隱藏條款
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  客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠：  2023年3月10日至2023年3月31日期間經MoneyHero成功申請Citi 稅季貸款，
 選擇還款期為12個月或以上，並於1個月內提取貸款
 
 
 
    貸款額  電子產品  Apple Store 禮品卡 / 超市現金券  
  HK$800,000 或 以上   iPhone 14 Pro 128GB (價值HK$8,599) 
  HK$8,000 Apple Store 禮品卡 / 超市現金券  
  HK$500,000 至 HK$799,999   RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)
  HK$5,500 Apple Store 禮品卡 / 超市現金券  
  HK$300,000 至 HK$499,999   Dyson Airwrap™ Complete 多功能造型器 長型髮捲版 (價值HK$4,480)
  HK$4,000 Apple Store 禮品卡 / 超市現金券  
  HK$200,000 至 HK$299,999   PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)
   HK$2,500 Apple Store 禮品卡 / 超市現金券
  
  HK$100,000 至 HK$199,999  Marshall Emberton 便攜藍牙喇叭  (價值HK$1,499)  HK$1,000 Apple Store 禮品卡 / 超市現金券  
 
 
  所有獨家優惠均以顏色隨機形式發放
 如欲了解優惠詳情，請參閱條款及細則
 
, 【Citi迎新優惠】高達HK$10,000現金券
客戶須於2023年1月1日至2023年3月31日期間成功申請Citi 稅季貸款，並於2023年4月14日或之前提取貸款，可獲高達HK$10,000現金券：
    
貸款額  還款期長達24個月或以下
 還款期長達24個月以上  
  花旗私人客戶/Citigold客戶/
Citi ULTIMA卡
之持有人  其他客戶  花旗私人客戶/Citigold客戶/
Citi ULTIMA卡
之持有人  其他客戶  
  HK$1,500,000 或 以上   HK$5,000
   HK$2,500
  HK$10,000  HK$4,000  
  HK$800,000 至 HK$1,499,999   HK$2,500
   HK$2,000
   HK$5,000
  HK$3,000  
  HK$300,000 至 HK$799,999   HK$1,500
   HK$1,000
   HK$3,000
  HK$2,000  
  HK$100,000 至 HK$299,999   HK$800
   HK$500
  HK$1,000   HK$700
  
 
 
  現金券獎賞換領信將於2023年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。
 如欲了解優惠詳情，請參閱條款及細則
 
, 產品特色
  貸款即日批核，現金即日到手
 Citi 稅季貸款額高達 月薪12倍 或 HK$1,200,000，以較低者為準
 還款期長達60個月，HK$0手續費
 無隱藏條款
 
, 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！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾], cons=[注意事項
  Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準
 客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞：  花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡
 
 
 優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶
 現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址
 每位合資格客戶於推廣期內只可享獎賞1次
 「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異
 實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；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費用與收費
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}, {type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=18歲, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], 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=6, loanTenureMax=60, loanAmountMin=8000.0, loanAmountMax=2000000.0, apr=1.78, eir=null, interestRate=0.08, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}}

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行李箱</strong></span>&nbsp;及更多人氣電子產品。<strong>3月31日截止！</strong></span></p><li>迎新送高達HK$10,000現金獎賞</li><li>靈活還款期，無隱藏條款</li><li>貸款即日批核，現金即日到手</li>","bannerImage":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt7c9f5d56284b4892/6412903f904a0b109e148b73/20230313_Citi_PL_Top_up_D-PJ23_0187_Offer_Enhancement-V01_Static_Banner_TC_GIF_frame_1_(1600_x_400).jpg","description":null,"dimension":null},"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":411520000,"displayValue":"411,520","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11431111,"displayValue":"11,431","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1780,"displayValue":"1.78","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaNWh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS10YXgtbG9hbi16aC1yZXN1bHRwYWdl.8GLID3gTNpy-x3BOffN6qZ15HhyyQmtp_571TsTkswXnHLDJIFuarnz06BP-812vJbUFjXiCcYKry704qF6dDg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-tax-season-loan"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["【特快批核】實際年利率低至1.78%，以月平息0.08%、貸款額HK$1,500,000及還款期12個月計算","其他貸款額及還款期的實際年利率，以實際批核結果為準"]},"productName":"Citi 稅季貸款","title":"HK.PL.CITI0004.TAXSEASONLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】人氣電子產品隨你選擇！</strong></p> <ul> <li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： <ul> <li>2023年3月10日至2023年3月31日期間經MoneyHero成功申請Citi 稅季貸款，</li> <li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> </ul> </li> </ul> <table style=\"width: 100%; height: 250px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 22.017%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 27.983%; height: 50px; text-align: left;\"><strong>電子產品</strong></td> <td style=\"width: 25%; height: 50px; text-align: left;\"><strong>Apple Store 禮品卡 / 超市現金券</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$800,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>iPhone 14 Pro 128GB (價值HK$8,599)&nbsp;</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$8,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$500,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;\"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$10,000現金券<br /></strong>客戶須於2023年1月1日至2023年3月31日期間成功申請Citi 稅季貸款，並於2023年4月14日或之前提取貸款，可獲高達HK$10,000現金券：</p> <table style=\"width: 100%; height: 312px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 22.671%; text-align: left; height: 108px;\" rowspan=\"2\"><strong><br /></strong><strong>貸款額</strong></td> <td style=\"width: 32.8785%; text-align: left; height: 18px;\" colspan=\"2\"><strong>還款期長達24個月或以下</strong><strong><br /></strong></td> <td style=\"width: 36.4992%; text-align: left; height: 18px;\" colspan=\"2\"><strong>還款期長達24個月以上</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 16.7304%; text-align: left; height: 90px;\"><strong>花旗私人客戶/Citigold客戶/<br />Citi ULTIMA卡<br />之持有人</strong></td> <td style=\"width: 16.1481%; text-align: left; height: 90px;\"><strong>其他客戶</strong></td> <td style=\"width: 16.885%; height: 90px; text-align: left;\"><strong>花旗私人客戶/Citigold客戶/</strong><br /><strong>Citi ULTIMA卡</strong><br /><strong>之持有人</strong></td> <td style=\"width: 19.6142%; height: 90px; text-align: left;\"><strong>其他客戶</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$5,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$2,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$10,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$4,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$800,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$2,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$2,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\"> <p>HK$5,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$3,000</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left; height: 54px;\">HK$300,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 54px;\"> <p>HK$1,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 54px;\"> <p>HK$1,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; text-align: left; height: 54px;\"> <p>HK$3,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;\">HK$2,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$100,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$800</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$1,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\"> <p>HK$700</p> </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt115d51d562411a6d/63c90e9d03869c6b7f7dc4e1/2023_Q1_TIL_TnC_Dec22_v1.pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$1,200,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</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/citibank/tax\" 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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；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費用與收費</li> <li>借定唔借？還得到先好借！</li> 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height: 250px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 22.017%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 27.983%; height: 50px; text-align: left;\"><strong>電子產品</strong></td> <td style=\"width: 25%; height: 50px; text-align: left;\"><strong>Apple Store 禮品卡 / 超市現金券</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$800,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>iPhone 14 Pro 128GB (價值HK$8,599)&nbsp;</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$8,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$500,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;\"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>【Citi迎新優惠】高達HK$10,000現金券<br /></strong>客戶須於2023年1月1日至2023年3月31日期間成功申請Citi 稅季貸款，並於2023年4月14日或之前提取貸款，可獲高達HK$10,000現金券：</p> <table style=\"width: 100%; height: 312px;\"> <tbody> <tr style=\"height: 18px;\"> <td style=\"width: 22.671%; text-align: left; height: 108px;\" rowspan=\"2\"><strong><br /></strong><strong>貸款額</strong></td> <td style=\"width: 32.8785%; text-align: left; height: 18px;\" colspan=\"2\"><strong>還款期長達24個月或以下</strong><strong><br /></strong></td> <td style=\"width: 36.4992%; text-align: left; height: 18px;\" colspan=\"2\"><strong>還款期長達24個月以上</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"width: 16.7304%; text-align: left; height: 90px;\"><strong>花旗私人客戶/Citigold客戶/<br />Citi ULTIMA卡<br />之持有人</strong></td> <td style=\"width: 16.1481%; text-align: left; height: 90px;\"><strong>其他客戶</strong></td> <td style=\"width: 16.885%; height: 90px; text-align: left;\"><strong>花旗私人客戶/Citigold客戶/</strong><br /><strong>Citi ULTIMA卡</strong><br /><strong>之持有人</strong></td> <td style=\"width: 19.6142%; height: 90px; text-align: left;\"><strong>其他客戶</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$5,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$2,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$10,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$4,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$800,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$2,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$2,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\"> <p>HK$5,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\">HK$3,000</td> </tr> <tr style=\"height: 54px;\"> <td style=\"border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left; height: 54px;\">HK$300,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 54px;\"> <p>HK$1,500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 54px;\"> <p>HK$1,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; text-align: left; height: 54px;\"> <p>HK$3,000</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; text-align: left; height: 54px;\">HK$2,000</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.671%; text-align: left;\">HK$100,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.7304%; text-align: left; height: 50px;\"> <p>HK$800</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.1481%; text-align: left; height: 50px;\"> <p>HK$500</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 16.885%; height: 50px; text-align: left;\">HK$1,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 19.6142%; height: 50px; text-align: left;\"> <p>HK$700</p> </td> </tr> </tbody> </table> <ul> <li>現金券獎賞換領信將於2023年6月30日或之前郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址。</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://assets.contentstack.io/v3/assets/bltdf909986be592dae/blt115d51d562411a6d/63c90e9d03869c6b7f7dc4e1/2023_Q1_TIL_TnC_Dec22_v1.pdf\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>Citi 稅季貸款額高達 月薪12倍 或 HK$1,200,000，以較低者為準</li> <li>還款期長達60個月，HK$0手續費</li> <li>無隱藏條款</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/citibank/tax\" 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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>客戶於申請當日至獎賞換領信發出當天須符合以下資格以獲得花旗私人客戶/Citigold客戶/Citi ULTIMA卡之持有人之獎賞： <ul> <li>花旗私人客戶需保持户口結餘達HK$8,000,000元或以上； Citigold客戶則需保持户口結餘達HK$1,500,000元或以上； 而Citi ULTIMA 卡之持有人需持有Citi ULTIMA信用卡</li> </ul> </li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>現金券獎賞換領信將郵寄至合資格客戶於花旗銀行紀錄之香港通訊地址</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>「即日批核，現金即日到手」只適用於每個工作天（星期一至五）上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶。實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異</li> <li>實際年利率1.78%以月平息0.08%，貸款額HK$1,500,000及還款期12個月計算；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費用與收費</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"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":6,"loanTenureMax":60,"loanAmountMin":8000.0,"loanAmountMax":2000000.0,"apr":1.78,"eir":null,"interestRate":0.08,"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=1676866195360, hs_is_edited=false, productname=Citi 稅季貸款, hs_name=}})

Exclusive Offer

Citi 卡數結餘轉戶

總還款額低至

427,360

每月還款額低至

11,871

最低實際年利率

4.26

獎賞

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隱藏信息

產品特色

Debug data (Print)

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height: 250px;"> <tbody> <tr style="height: 50px;"> <td style="height: 50px; width: 22.017%; text-align: left;"><strong>貸款額</strong></td> <td style="width: 27.983%; height: 50px; text-align: left;"><strong>電子產品</strong></td> <td style="width: 25%; height: 50px; text-align: left;"><strong>Apple Store 禮品卡 / 超市現金券</strong></td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$800,000 或 以上</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>iPhone 14 Pro 128GB (價值HK$8,599)&nbsp;</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$8,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$500,000 至 HK$799,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style="border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$300,000 至 HK$499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$200,000 至 HK$299,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style="height: 50px;"> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;">HK$100,000 至 HK$199,999</td> <td style="border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385" target="_blank" rel="noopener">條款及細則</a></li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>還款期長達72個月，HK$0手續費</li> <li>Citi卡數結餘轉戶貸款額高達 月薪21倍 或 HK$1,200,000，以較低者為準</li> <li>無隱藏條款</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/citibank/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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>適用之實際年利率由4.26%－35.78%，而還款期為72個月。</li> <li>實際年利率低至4.26%以月平息0.19%，貸款額HK$1,200,000及還款期12個月計算。</li> <li>實際年利率低至35.78%以月平息1.46%，貸款額HK$100,000及還款期18個月計算。</li> <li>實際年利率乃根據《銀行營運守則》所載之指引計算，並已進位至小數後兩個位。個別客戶之實際年利率或有差異，並根據個別客戶背景而決定。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費用與收費。最大之實際年利率會因每月平息之更新而有所不同。本行保留更新每月平息及實際年利率之權利。本行保留批核貸款申請之權利。假設貸款額為HK$200,000及還款期為12個月，每月平息為0.5% (實際年利率11.46%)，貸款之總還款額為HK$212,004 (豁免手續費)。以上例子只供參考。</li> <li>所有資料只供參考</li> <li>借定唔借？還得到先好借！</li> </ul>]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=<p>18歲</p>, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=72000, description={shortDescription=HK$72,000, longDescription=, tooltip=}}], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[{key=PERMANENT_RESIDENT, display=永久居民}], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1.&nbsp;填妥申請表及遞交所需文件<br>2. 等待批核結果
<br>3. 提取貸款
<br><br>}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港永久性居民身份證<br>2. 薪金證明，例如：最近一個月之糧單、最近之評稅通知書、最近之強積金供款證明、最近3個月之出糧戶口月結單或存摺（附有申請人姓名及賬戶號碼）<br>3. 最近3個月主要銀行戶口月結單或存摺（附有賬戶姓名及賬戶號碼）<br>4. 住址證明（如電費單或銀行月結單）<br>5. 其他有需要的證明文件}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=6, loanTenureMax=72, loanAmountMin=8000.0, loanAmountMax=1200000.0, apr=4.26, eir=null, interestRate=0.19, fees=[], transferRate=null}], fees=[{type={key=PL_HANDLING_FEE, display=手續費}, feeInterval=ONCE, value=1, calculationMethod=PROPORTIONAL_TO_PRINCIPAL, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})

Debug data (Raw)


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靈活還款期，無隱藏條款
貸款即日批核，現金即日到手
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  客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠：  2023年3月10日至2023年3月31日期間經MoneyHero成功申請Citi 卡數結餘轉戶，
 選擇還款期為12個月或以上，並於1個月內提取貸款
 
 
 
    貸款額  電子產品  Apple Store 禮品卡 / 超市現金券  
  HK$800,000 或 以上   iPhone 14 Pro 128GB (價值HK$8,599) 
  HK$8,000 Apple Store 禮品卡 / 超市現金券  
  HK$500,000 至 HK$799,999   RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)
  HK$5,500 Apple Store 禮品卡 / 超市現金券  
  HK$300,000 至 HK$499,999   Dyson Airwrap™ Complete 多功能造型器 長型髮捲版 (價值HK$4,480)
  HK$4,000 Apple Store 禮品卡 / 超市現金券  
  HK$200,000 至 HK$299,999   PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)
   HK$2,500 Apple Store 禮品卡 / 超市現金券
  
  HK$100,000 至 HK$199,999  Marshall Emberton 便攜藍牙喇叭  (價值HK$1,499)  HK$1,000 Apple Store 禮品卡 / 超市現金券  
 
 
  所有獨家優惠均以顏色隨機形式發放
 如欲了解優惠詳情，請參閱條款及細則
 
, 產品特色
  貸款即日批核，現金即日到手
 還款期長達72個月，HK$0手續費
 Citi卡數結餘轉戶貸款額高達 月薪21倍 或 HK$1,200,000，以較低者為準
 無隱藏條款
 
, 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！
MoneyHero貸款專家：【借唔到錢？】拆解貸款被拒之謎，6招解決困擾], cons=[注意事項
  Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準
 優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶
 每位合資格客戶於推廣期內只可享獎賞1次
 適用之實際年利率由4.26%－35.78%，而還款期為72個月。
 實際年利率低至4.26%以月平息0.19%，貸款額HK$1,200,000及還款期12個月計算。
 實際年利率低至35.78%以月平息1.46%，貸款額HK$100,000及還款期18個月計算。
 實際年利率乃根據《銀行營運守則》所載之指引計算，並已進位至小數後兩個位。個別客戶之實際年利率或有差異，並根據個別客戶背景而決定。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費用與收費。最大之實際年利率會因每月平息之更新而有所不同。本行保留更新每月平息及實際年利率之權利。本行保留批核貸款申請之權利。假設貸款額為HK$200,000及還款期為12個月，每月平息為0.5% (實際年利率11.46%)，貸款之總還款額為HK$212,004 (豁免手續費)。以上例子只供參考。
 所有資料只供參考
 借定唔借？還得到先好借！
 
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=18, description={shortDescription=18歲, longDescription=18歲
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2. 等待批核結果

3. 提取貸款


}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港永久性居民身份證
2. 薪金證明，例如：最近一個月之糧單、最近之評稅通知書、最近之強積金供款證明、最近3個月之出糧戶口月結單或存摺（附有申請人姓名及賬戶號碼）
3. 最近3個月主要銀行戶口月結單或存摺（附有賬戶姓名及賬戶號碼）
4. 住址證明（如電費單或銀行月結單）
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及更多人氣電子產品。<strong>3月31日截止！</strong></p><ul><li>靈活還款期，無隱藏條款</li><li>貸款即日批核，現金即日到手</li></ul>","bannerImage":null,"countdown":{"text":"","displayProductPage":true,"date":{"startDate":"2021-07-28T04:00:00.000Z","endDate":"2021-07-30T10:00:00.000Z"}},"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":427360000,"displayValue":"427,360","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":11871111,"displayValue":"11,871","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":4260,"displayValue":"4.26","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaRGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtY2l0aS1kZWJ0LWNvbnNvbGlkYXRpb24tbG9hbi16aC1yZXN1bHRwYWdl.NzFkgATqNKovuUY4qTGdG8Qiz3hYvJ4-wrkqUTV2mmlDl8prKXx5VLcggw1pPp_YHooyb9akXMJvH9Qk4bwsAw","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"citi-card-debt-consolidation-loans"},"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":72,"loanAmountMin":8000.0,"loanAmountMax":1200000.0,"apr":4.26,"eir":null,"interestRate":0.19,"fees":[]}],"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"value":"1","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"citibank","providerName":"花旗銀行"},"description":{"shortDescription":["【清走卡數】輕鬆還款，避免高昂利息；實際年利率低至4.26%，以月平息0.19%、貸款額HK$1,200,000及還款期12個月計算；","還款期長達72個月，HK$0手續費"]},"productName":"Citi 卡數結餘轉戶","title":"HK.PL.CITI0003.BALANCETRANSFER","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】人氣電子產品隨你選擇！</strong></p> <ul> <li>客戶須符合以下條件，可獲以下選一MoneyHero獨家優惠： <ul> <li>2023年3月10日至2023年3月31日期間經MoneyHero成功申請Citi 卡數結餘轉戶，</li> <li>選擇還款期為12個月或以上，並於1個月內提取貸款</li> </ul> </li> </ul> <table style=\"width: 100%; height: 250px;\"> <tbody> <tr style=\"height: 50px;\"> <td style=\"height: 50px; width: 22.017%; text-align: left;\"><strong>貸款額</strong></td> <td style=\"width: 27.983%; height: 50px; text-align: left;\"><strong>電子產品</strong></td> <td style=\"width: 25%; height: 50px; text-align: left;\"><strong>Apple Store 禮品卡 / 超市現金券</strong></td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$800,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>iPhone 14 Pro 128GB (價值HK$8,599)&nbsp;</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$8,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$500,000 至 HK$799,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;\"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>還款期長達72個月，HK$0手續費</li> <li>Citi卡數結餘轉戶貸款額高達 月薪21倍 或 HK$1,200,000，以較低者為準</li> <li>無隱藏條款</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/citibank/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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>適用之實際年利率由4.26%－35.78%，而還款期為72個月。</li> <li>實際年利率低至4.26%以月平息0.19%，貸款額HK$1,200,000及還款期12個月計算。</li> <li>實際年利率低至35.78%以月平息1.46%，貸款額HK$100,000及還款期18個月計算。</li> <li>實際年利率乃根據《銀行營運守則》所載之指引計算，並已進位至小數後兩個位。個別客戶之實際年利率或有差異，並根據個別客戶背景而決定。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費用與收費。最大之實際年利率會因每月平息之更新而有所不同。本行保留更新每月平息及實際年利率之權利。本行保留批核貸款申請之權利。假設貸款額為HK$200,000及還款期為12個月，每月平息為0.5% (實際年利率11.46%)，貸款之總還款額為HK$212,004 (豁免手續費)。以上例子只供參考。</li> <li>所有資料只供參考</li> <li>借定唔借？還得到先好借！</li> 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width: 25%; height: 50px; text-align: left;\">HK$5,500 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$300,000 至 HK$499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; text-align: left;\"> <p>Dyson Airwrap&trade; Complete 多功能造型器 長型髮捲版 (價值HK$4,480)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$4,000 Apple Store 禮品卡 / 超市現金券</td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$200,000 至 HK$299,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\"> <p>PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)</p> </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\"> <p>HK$2,500 Apple Store 禮品卡 / 超市現金券</p> </td> </tr> <tr style=\"height: 50px;\"> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 22.017%; text-align: left;\">HK$100,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 27.983%; height: 50px; text-align: left;\">Marshall Emberton 便攜藍牙喇叭&nbsp; (價值HK$1,499)</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000 Apple Store 禮品卡 / 超市現金券</td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> <li>如欲了解優惠詳情，請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/15628772431385\" target=\"_blank\" rel=\"noopener\">條款及細則</a></li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款即日批核，現金即日到手</li> <li>還款期長達72個月，HK$0手續費</li> <li>Citi卡數結餘轉戶貸款額高達 月薪21倍 或 HK$1,200,000，以較低者為準</li> <li>無隱藏條款</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/citibank/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>Citi 稅季貸款或Citi 卡數結餘轉戶的申請必須在2023年3月31日或之前成功申請。申請日期以花旗銀行的系統紀錄為準</li> <li>優惠只適用於申請當日不持有任何由花旗銀行所提供之私人貸款之客戶</li> <li>每位合資格客戶於推廣期內只可享獎賞1次</li> <li>適用之實際年利率由4.26%－35.78%，而還款期為72個月。</li> <li>實際年利率低至4.26%以月平息0.19%，貸款額HK$1,200,000及還款期12個月計算。</li> <li>實際年利率低至35.78%以月平息1.46%，貸款額HK$100,000及還款期18個月計算。</li> <li>實際年利率乃根據《銀行營運守則》所載之指引計算，並已進位至小數後兩個位。個別客戶之實際年利率或有差異，並根據個別客戶背景而決定。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費用與收費。最大之實際年利率會因每月平息之更新而有所不同。本行保留更新每月平息及實際年利率之權利。本行保留批核貸款申請之權利。假設貸款額為HK$200,000及還款期為12個月，每月平息為0.5% (實際年利率11.46%)，貸款之總還款額為HK$212,004 (豁免手續費)。以上例子只供參考。</li> <li>所有資料只供參考</li> <li>借定唔借？還得到先好借！</li> </ul>"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"<p>18歲</p>","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"72000","description":{"shortDescription":"HK$72,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[{"key":"PERMANENT_RESIDENT","display":"永久居民"}],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1.&nbsp;填妥申請表及遞交所需文件<br>2. 等待批核結果\n<br>3. 提取貸款\n<br><br>"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港永久性居民身份證<br>2. 薪金證明，例如：最近一個月之糧單、最近之評稅通知書、最近之強積金供款證明、最近3個月之出糧戶口月結單或存摺（附有申請人姓名及賬戶號碼）<br>3. 最近3個月主要銀行戶口月結單或存摺（附有賬戶姓名及賬戶號碼）<br>4. 住址證明（如電費單或銀行月結單）<br>5. 其他有需要的證明文件"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":6,"loanTenureMax":72,"loanAmountMin":8000.0,"loanAmountMax":1200000.0,"apr":4.26,"eir":null,"interestRate":0.19,"fees":[],"transferRate":null}],"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"手續費"},"feeInterval":"ONCE","value":1,"calculationMethod":"PROPORTIONAL_TO_PRINCIPAL","paymentMethod":"IGNORE","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"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, productname=Citi 卡數結餘轉戶, hs_name=}})

產品

貸款額

年利率

申請條件

Citi稅季貸款

高達月薪12倍或 HK$1,200,000

以較低者為準

1.78%（以月平息0.08%，貸款額HK$1,500,000、還款期12個月計算）

- 年滿18歲
- 香港永久居民
- 現職工作最少3個月或以上
- 月薪達HK$6,000或以上

Citi 卡數結餘轉戶

高達月薪21倍或 HK$1,200,000

以較低者為準

低至4.26%（以月平息0.19%，貸款額HK$1,200,000、還款期12個月計算）

- 年滿18歲
- 香港永久居民
- 現職工作最少3個月或以上
- 月薪達HK$6,000或以上

Citibank Citi稅季貸款及Citi 卡數結餘轉戶，兩者最低年利率分別為1.78%及4.26%。

就稅務貸款而言，Citi稅季貸款最低年利率優勝於本網65%私人貸款產品，例如較WeLend私人貸款 (1.88%)、東亞銀行稅季貸款 (2.54%)、天星銀行私人分期貸款 (2.99%) 及渣打銀行稅季私人貸款 (6.28%) 等產品低。如你正在比較私人貸款或稅務貸款，可參考本網此頁面做更詳細分析。

就結餘轉戶貸款而言，Citi卡數結餘轉戶最低年利率優勝於本網53%結餘轉戶貸款產品，例如較邦民低息結餘轉戶 (4.49%)、AEON「清數易」貸款 (4.66%) 及富邦銀行「卡數清」私人貸款 (5.93%)等產品低。如你正在比較結餘轉戶貸款，可參考本網此頁面做更詳細分析。

（以上資訊最後更新日期為2023年1月）

一般情況下，透過網上、申請專線或親身到任何一間花旗銀行分行申請貸款並提交一切所需文件後，需時3個工作天就會完成批核程序。如果申請成功批核，Citibank會聯絡你進行電話確認程序或到分行辦理提取貸款手續。

於每個工作天(星期一至五)上午十時前連同已填妥的貸款申請表及成功遞交所需文件之特選客戶申請Citi 私人貸款，有機會做到即日批核，現金即日到手，而實際批核時間及現金到手時間因應客戶申請資料而有可能出現差異。

要申請Citi卡債務合併貸款，可按以下步驟操作：
步驟1 – 經MoneyHero選擇Citi 私人貸款產品，填妥獎賞換領表格 → 步驟2 – 在 Citi卡數結餘轉戶頁面上，點擊「立即申請」→ 步驟3 – 填妥您的基本資料、個人資料和就業資料 → 步驟4 – 如符合所需條件，你將收到批核結果 → 步驟5 – 獲得批核結果後，你要上傳所需文件 → 步驟6 – 你的貸款申請將在提交所有詳細資料及文件後完成

Citi 私人貸款申請專線：(852)2963 6428
申請專線服務時間︰星期一至五上午九時至下午十時，星期六上午九時至下午一時

1. 手續費：全免

2. 提早還款費用：提前還款收費（提早還款費用）根據原來貸款額及提早還款日期以下列方法計算，或最低HK$100（收費以較高者計算）：

- 提早還款費用適用於貸款期數12/24/36/48/60/72個月
- 每年1.5%以餘下還款期數向上調整以年為單位
- 提早還款費用適用於貸款期數6/18/30/42/54/66個月
- 0.75%適用於餘下還款期數6個月或以內；若餘下還款期數多於6個月需附加每年1.5% (額外之餘下還款期數需向上調整以年為單位)
- 不接受提早償還部份還款

3. 更改還款到期日收費（延長還款期收費）：

發放貸款前
延長還款期不可超越45天(由發放貸款日期起計)及需額外支付按日數、貸款利息及貸款未償還部份收取之延期費用。

發放貸款後
HK$100及如欲更改之還款到期日與原來之還款到期日相距超過1個月，需額外支付按日數、貸款利息及貸款未償還部份收取之延期費用。

申請Citibank 需提供最近一個月之糧單、最近之評稅通知書、最近之強積金供款證明、最近3個月之出糧戶口月結單或存摺(附有申請人姓名及賬戶號碼)

你亦可用糧單作為入息證明，不過要留意糧單上需要蓋上公司印章或以公司信紙印出。如果您的薪金是以佣金制形式發放，就需要有3個月的銀行入數紀錄。又或者職業為的士司機的話，您只需提供的士租車單、有效駕駛執照及有關之收入證明便可。

由於還款期會直接影響每月供款額，所以選擇合適的還款期，便可確保每個月還款後，仍有能力應付日常開支。若選擇較長的還款期，減低每月供款之金額，負擔會較輕鬆﹔但相對所衍生的利息則較高，所以視乎您的負擔能力而選擇合適之還款期最為重要。

Citibank卡數結餘轉戶之貸款提供6至72個月的還款期﹔Citibank稅季貸款則提供6至60個月的還款期選擇更有彈性。但最終批核之還款期將視乎個別客人情況而有所調整，詳情請向花旗銀行查詢。

以上資訊僅供參考，實際情況須根據你的信貸評分而定，並以相關機構的決定為準。

Citibank花旗銀行私人貸款: 低息貸款計劃、貸款利息及限時獨家優惠

Citi私人貸款2023

Citi 稅季貸款

總還款額低至

每月還款額低至

最低實際年利率

獎賞

Citi 卡數結餘轉戶

總還款額低至

每月還款額低至

最低實際年利率

獎賞

Citibank花旗銀行私人貸款常見問題

Citibank 花旗銀行私人貸款產品比較概覽

Citibank精選貸款優惠

Citibank私人貸款計劃及其他貸款計劃平均年利率比較

Citibank私人貸款計劃還款期

Citibank私人貸款計劃申請條件及門檻

Citibank私人貸款計劃申請至貸款批核時間

申請Citibank私人貸款步驟

Citibank私人貸款有隱藏費用嗎？

申請Citibank 貸款計劃要用什麼作為入息證明？

Citibank私人貸款批出的方式是什麼？可以如何提取？

Citibank私人貸款的最長還款期是多少?

貸款額	電子產品	Apple Store 禮品卡 / 超市現金券
HK$800,000 或以上	iPhone 14 Pro 128GB (價值HK$8,599)	HK$8,000 Apple Store 禮品卡 / 超市現金券
HK$500,000 至 HK$799,999	RIMOWA Essential Lite Cabin 行李箱 (價值HK$5,250)	HK$5,500 Apple Store 禮品卡 / 超市現金券
HK$300,000 至 HK$499,999	Dyson Airwrap™ Complete 多功能造型器長型髮捲版 (價值HK$4,480)	HK$4,000 Apple Store 禮品卡 / 超市現金券
HK$200,000 至 HK$299,999	PHILIPS 飛利浦 DE3203/30 30公升抽濕機 (價值HK$3,688)	HK$2,500 Apple Store 禮品卡 / 超市現金券
HK$100,000 至 HK$199,999	Marshall Emberton 便攜藍牙喇叭 (價值HK$1,499)	HK$1,000 Apple Store 禮品卡 / 超市現金券

貸款額	還款期長達24個月或以下		還款期長達24個月以上
貸款額	花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人	其他客戶	花旗私人客戶/Citigold客戶/ Citi ULTIMA卡之持有人	其他客戶
HK$1,500,000 或以上	HK$5,000	HK$2,500	HK$10,000	HK$4,000
HK$800,000 至 HK$1,499,999	HK$2,500	HK$2,000	HK$5,000	HK$3,000
HK$300,000 至 HK$799,999	HK$1,500	HK$1,000	HK$3,000	HK$2,000
HK$100,000 至 HK$299,999	HK$800	HK$500	HK$1,000	HK$700