渣打銀行 私人貸款

SCB 渣打銀行提供多款不同借貸計劃及優惠利率,滿足不同客戶需要。立即了解渣打銀行提供的貸款產品,比較不同貸款種類,包括結餘轉戶及稅務貸款的年利率/APR/年息/還款期/最大借貸額及其他條款細節。
渣打銀行貸款私人貸款比較及限時優惠2023!透過Moneyhero申請渣打銀行借貸私人貸款有機會獲得獨家限時優惠。立即比較渣打銀行貸款!
【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
貸款金額 | MoneyHero加碼獨家優惠: |
HK$800,000 或 以上 |
|
HK$400,000 - HK$799,999 |
|
HK$200,000 - HK$399,999 |
|
如何領取MoneyHero獨家優惠
【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
貸款金額 | 基本現金回贈 (還款期達12個月) | 基本現金回贈 (還款期達24個月或以上) | 額外現金回贈 (全新客戶及還款期達36個月或以上) |
HK$1,500,000 或 以上 | HK$3,500 | HK$7,000 | HK$1,000 |
HK$600,000 至 HK$1,499,999 | HK$1,500 | HK$3,000 | HK$1,000 |
HK$200,000 至 HK$599,999 | HK$1,000 | HK$2,000 | HK$1,000 |
HK$50,000 至 HK$199,999 | HK$500 | HK$500 | HK$1,000 |
產品特色
注意事項
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- 設有7天冷靜期
- 豁免提早償還貸款手續費
","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":438880000,"displayValue":"438,880","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":12191111,"displayValue":"12,191","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1850,"displayValue":"1.85","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-personal-instalment-loan"},"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"standard-chartered","providerName":"渣打銀行"},"description":{"shortDescription":["【貸款智慧】實際年利率低至1.85%(貸款額HK$150萬或以上、還款期12個月);0%手續費","【網上申請特快服務承諾】辦公日中午前遞交網上申請,銀行將專人於當天跟進。專人跟進後可即日提供審批結果。"]},"productName":"渣打銀行 私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
\t- 客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕
\t \t\t \t\t\t貸款金額 \t\t\tMoneyHero加碼獨家優惠: \t\t \t\t \t\t\tHK$800,000 或 以上 \t\t\t \t\t\t \t\t\t\t- SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或
\t\t\t\t- HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t\t \t\t\tHK$400,000 - HK$799,999 \t\t\t \t\t\t \t\t\t\t- iPad mini (256GB) (價值HK$5,199); 或
\t\t\t\t- HK$4,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t\t \t\t\tHK$200,000 - HK$399,999 \t\t\t \t\t\t \t\t\t\t- Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或
\t\t\t\t- HK$2,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t
\t- 所有獨家優惠均以顏色隨機形式發放
如何領取MoneyHero獨家優惠
\t- 請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
\t- 請於成功申請批核後的7日內,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至support@moneyhero.com.hk,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進
\t- 詳細流程:如何領取「MoneyHero獨家優惠」的現金券?
\t- 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
\t- MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。
\t- 如欲了解優惠詳情,請參閱條款及細則
","【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
- 高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情:
貸款金額 基本現金回贈 (還款期達12個月) 基本現金回贈 (還款期達24個月或以上) 額外現金回贈
(全新客戶及還款期達36個月或以上) HK$1,500,000 或 以上 HK$3,500 HK$7,000 HK$1,000 HK$600,000 至 HK$1,499,999 HK$1,500 HK$3,000 HK$1,000 HK$200,000 至 HK$599,999 HK$1,000 HK$2,000 HK$1,000 HK$50,000 至 HK$199,999 HK$500 HK$500 HK$1,000
","產品特色
- 貸款額高達月薪18倍或HK$4,000,000(以較低者為準)
- 還款期長達60個月;0%手續費
- 網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果
- 設有7天冷靜期
- 豁免提早償還貸款手續費
","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
- 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
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借?還得到先好借!
"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 於網上申請
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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\n
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(SizeLimitingPyMap: {__typename=PersonalLoan, id=blte54e93a44ab1cca6_15_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=<strong>【</strong><span><strong>10月31日截止</strong></span><strong>】</strong>高達<strong>HK$18,588獎賞</strong>,包括MoneyHero獨家 <strong>SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) </strong>或 <strong>iPad mini (256GB) (價值HK$5,199)</strong><span> </span>或 <strong>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(HK$3,199)</strong><span><strong> </strong></span>或 <strong>高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</strong><ul><li>迎新優惠高達HK$8,000現金回贈</li><li>設有7天冷靜期</li><li>豁免提早償還貸款手續費</li></ul>, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=438880000, displayValue=438,880, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=12191111, displayValue=12,191, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1850, displayValue=1.85, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[【貸款智慧】實際年利率低至1.85%(貸款額HK$150萬或以上、還款期12個月);0%手續費, 【網上申請特快服務承諾】辦公日中午前遞交網上申請,銀行將專人於當天跟進。專人跟進後可即日提供審批結果。]}, productName=渣打銀行 私人貸款, title=HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN, features={title=Features, pros=[<p><strong>【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199)</strong> <strong>/ 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</strong></p> <ul> <li>客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕</li> </ul> <table style="height:180px; width:100%"> <tbody> <tr> <td style="height:36px; text-align:left; width:10.3693%"><strong>貸款金額</strong></td> <td style="height:36px; text-align:left; width:39.6307%"><strong>MoneyHero加碼獨家優惠:</strong></td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$800,000 或 以上</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或</li> <li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$400,000 - HK$799,999</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>iPad mini (256GB) (價值HK$5,199); 或</li> <li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$200,000 - HK$399,999</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> <li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> <li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> <li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href="mailto:support@moneyhero.com.hk">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> <li>詳細流程:<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-" target="”_blank”">如何領取「MoneyHero獨家優惠」的現金券?</a></li> <li>申請產品前請關掉AdBlocker及「私人模式」:<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" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> <li>如欲了解優惠詳情,請參閱<a href="https://moneyhero.link/pl-scb-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li> </ul>, <p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style="width: 100%;"> <tbody> <tr> <td style="height: 50px; width: 37.1988%; text-align: left;"><strong>貸款金額</strong></td> <td style="width: 20.3313%; text-align: left;"><strong>基本現金回贈 (還款期達12個月)</strong></td> <td style="height: 50px; width: 17.4699%; text-align: left;"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> <td style="width: 25%; text-align: left;"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style="border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;">HK$1,500,000 或 以上</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$3,500</td> <td style="border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;">HK$7,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$600,000 至 HK$1,499,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$1,500</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$3,000 </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$200,000 至 HK$599,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$1,000</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$2,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;">HK$50,000 至 HK$199,999</td> <td style="border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;">HK$500</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;">HK$500</td> <td style="text-align: left; width: 25%;">HK$1,000</td> </tr> </tbody> </table> </li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000(以較低者為準)</li> <li>還款期長達60個月;0%手續費</li> <li>網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</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/scb/pl" 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>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</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> <li>上述每月平息已約至小數後2個位及只供參考之用</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=20, description={shortDescription=20歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上申請<br>2. 上載文件<br>3. 即時批核<br>4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=1. 香港永久性居民身份證
<br>2. 最近期住宅地址證明
<br>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;<br>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;<br>自僱人士請提供商業登記證及最近之營業稅單
<br><br>}], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[], transferRate=null}], fees=[], defaults={loanTenure=24, loanAmount=100000}, loanType=FLAT_INTEREST_RATE, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=MONTHLY, paymentInterval=MONTHLY}})
{__typename=PersonalLoan, id=blte54e93a44ab1cca6_15_zh-hk, image={url=https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png, description=null, dimension=null}, featured=false, imageOrientation=LANDSCAPE, promotional={bannerText=【10月31日截止】高達HK$18,588獎賞,包括MoneyHero獨家 SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) 或 iPad mini (256GB) (價值HK$5,199) 或 Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(HK$3,199) 或 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券- 迎新優惠高達HK$8,000現金回贈
- 設有7天冷靜期
- 豁免提早償還貸款手續費
, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=MoneyHero獨家優惠}]}, comparables=[{__typename=CompareElementSimple, title={key=TOTAL_REPAYMENT, display=總還款額低至}, sortValue=438880000, displayValue=438,880, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=每月還款額低至}, sortValue=12191111, displayValue=12,191, tooltip=null, description=, prefix=$, suffix=}, {__typename=CompareElementWithSubValue, title={key=APR, display=最低實際年利率}, sortValue=1850, displayValue=1.85, tooltip=null, description=, prefix=, suffix=%}], ctaButton={label=立即申請, link={url=https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=standard-chartered-personal-instalment-loan}, rateTableEntries=[{loanTenureMin=0, loanTenureMax=60, loanAmountMin=5000.0, loanAmountMax=4000000.0, apr=1.85, eir=null, interestRate=0.27, fees=[]}], fees=[], defaults={loanTenure=24, loanAmount=100000}}, provider={alias=standard-chartered, providerName=渣打銀行}, description={shortDescription=[【貸款智慧】實際年利率低至1.85%(貸款額HK$150萬或以上、還款期12個月);0%手續費, 【網上申請特快服務承諾】辦公日中午前遞交網上申請,銀行將專人於當天跟進。專人跟進後可即日提供審批結果。]}, productName=渣打銀行 私人貸款, title=HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN, features={title=Features, pros=[【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
- 客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕
貸款金額 MoneyHero加碼獨家優惠: HK$800,000 或 以上 - SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或
- HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
HK$400,000 - HK$799,999 - iPad mini (256GB) (價值HK$5,199); 或
- HK$4,800 Apple Store 禮品卡 / 惠康購物現金券
HK$200,000 - HK$399,999 - Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或
- HK$2,800 Apple Store 禮品卡 / 惠康購物現金券
- 所有獨家優惠均以顏色隨機形式發放
如何領取MoneyHero獨家優惠
- 請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
- 請於成功申請批核後的7日內,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至support@moneyhero.com.hk,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進
- 詳細流程:如何領取「MoneyHero獨家優惠」的現金券?
- 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
- MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。
- 如欲了解優惠詳情,請參閱條款及細則
, 【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
- 高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情:
貸款金額 基本現金回贈 (還款期達12個月) 基本現金回贈 (還款期達24個月或以上) 額外現金回贈
(全新客戶及還款期達36個月或以上) HK$1,500,000 或 以上 HK$3,500 HK$7,000 HK$1,000 HK$600,000 至 HK$1,499,999 HK$1,500 HK$3,000 HK$1,000 HK$200,000 至 HK$599,999 HK$1,000 HK$2,000 HK$1,000 HK$50,000 至 HK$199,999 HK$500 HK$500 HK$1,000
, 產品特色
- 貸款額高達月薪18倍或HK$4,000,000(以較低者為準)
- 還款期長達60個月;0%手續費
- 網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果
- 設有7天冷靜期
- 豁免提早償還貸款手續費
, 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
- 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
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借?還得到先好借!
]}, eligibility=[{type={key=MINIMUM_AGE, display=最低年齡要求}, value=20, description={shortDescription=20歲, longDescription=, tooltip=}}, {type={key=MINIMUM_ANNUAL_INCOME, display=最低年薪要求}, value=96000, description={shortDescription=HK$96,000, longDescription=, tooltip=}}], offers=null, enableCountdown=true, enableFlipBanner=false, termsAndConditions=, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[{type={key=STEPS_TO_APPLY, display=流程步驟}, data=1. 於網上申請
2. 上載文件
3. 即時批核
4. 確認及發放貸款}, {type={key=REQUIRED_DOCUMENTS, display=所需文件}, data=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
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(Wi-Fi) 512GB (價值HK$10,588); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$400,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPad mini (256GB) (價值HK$5,199); 或</li> \t\t\t\t<li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> \t\t\t\t<li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 37.1988%; text-align: left;\"><strong>貸款金額</strong></td> <td style=\"width: 20.3313%; text-align: left;\"><strong>基本現金回贈 (還款期達12個月)</strong></td> <td style=\"height: 50px; width: 17.4699%; text-align: left;\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> <td style=\"width: 25%; text-align: left;\"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$3,500</td> <td style=\"border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$600,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$200,000 至 HK$599,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,000</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$500</td> <td style=\"text-align: left; width: 25%;\">HK$1,000</td> </tr> </tbody> </table> </li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000(以較低者為準)</li> <li>還款期長達60個月;0%手續費</li> <li>網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</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/scb/pl\" 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>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</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> <li>上述每月平息已約至小數後2個位及只供參考之用</li> <li>借定唔借?還得到先好借!</li> 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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}}}})
null
(SizeLimitingPyMap: {id=62168994035, table_id=4701663, table_name=product_moneyhero, columns={hs_id=62168994035, hs_child_table_id=0, hs_updated_at=1695721764043, hs_published_at=1695721765059, productid=blte54e93a44ab1cca6_15_zh-hk, data={"__typename":"PersonalLoan","id":"blte54e93a44ab1cca6_15_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png","description":null,"dimension":null},"featured":false,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"<strong>【</strong><span><strong>10月31日截止</strong></span><strong>】</strong>高達<strong>HK$18,588獎賞</strong>,包括MoneyHero獨家 <strong>SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) </strong>或 <strong>iPad mini (256GB) (價值HK$5,199)</strong><span> </span>或 <strong>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(HK$3,199)</strong><span><strong> </strong></span>或 <strong>高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</strong><ul><li>迎新優惠高達HK$8,000現金回贈</li><li>設有7天冷靜期</li><li>豁免提早償還貸款手續費</li></ul>","bannerImage":null,"countdown":{"text":"","displayProductPage":false,"date":{"startDate":null,"endDate":null}},"flipBanner":{"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0,"date":{"startDate":null,"endDate":null}},"type":[{"key":"EXCLUSIVE","display":"MoneyHero獨家優惠"}]},"comparables":[{"__typename":"CompareElementSimple","title":{"key":"TOTAL_REPAYMENT","display":"總還款額低至"},"sortValue":438880000,"displayValue":"438,880","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementSimple","title":{"key":"REPAYMENT","display":"每月還款額低至"},"sortValue":12191111,"displayValue":"12,191","tooltip":null,"description":"","prefix":"$","suffix":""},{"__typename":"CompareElementWithSubValue","title":{"key":"APR","display":"最低實際年利率"},"sortValue":1850,"displayValue":"1.85","tooltip":null,"description":"","prefix":"","suffix":"%"}],"ctaButton":{"label":"立即申請","link":{"url":"https://www.moneyhero.com.hk/api/redirect?dest=eyJraWQiOiJHRklGY2phb1hwOEZRelhhaWxlWmhxaDZfWVpUcHkzVWNfb2ozLTBfcGtzIiwiYWxnIjoiRWREU0EifQ.CAEaPGh0dHBzOi8vbW9uZXloZXJvLmxpbmsvcGwtc2NiLXBlcnNvbmFsLWluc3RhbG1lbnQtbG9hbi16aC1ycA.IKOaeIy5N6Mi5nyIztRo46qyGkhskcf--wZzmLtLJYV_ETdXvqGfzP8DPQSOpwHmKY0YqNxcl3NrX4ATcP7tAg","linkClass":"EXTERNAL"},"show":true,"isNoDealCTA":false},"functional":{"metaData":{"alias":"standard-chartered-personal-instalment-loan"},"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[]}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000}},"provider":{"alias":"standard-chartered","providerName":"渣打銀行"},"description":{"shortDescription":["【貸款智慧】實際年利率低至1.85%(貸款額HK$150萬或以上、還款期12個月);0%手續費","【網上申請特快服務承諾】辦公日中午前遞交網上申請,銀行將專人於當天跟進。專人跟進後可即日提供審批結果。"]},"productName":"渣打銀行 私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199)</strong> <strong>/ 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</strong></p> <ul> \t<li>客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕</li> </ul> <table style=\"height:180px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:36px; text-align:left; width:10.3693%\"><strong>貸款金額</strong></td> \t\t\t<td style=\"height:36px; text-align:left; width:39.6307%\"><strong>MoneyHero加碼獨家優惠:</strong></td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$800,000 或 以上</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$400,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPad mini (256GB) (價值HK$5,199); 或</li> \t\t\t\t<li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> \t\t\t\t<li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 37.1988%; text-align: left;\"><strong>貸款金額</strong></td> <td style=\"width: 20.3313%; text-align: left;\"><strong>基本現金回贈 (還款期達12個月)</strong></td> <td style=\"height: 50px; width: 17.4699%; text-align: left;\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> <td style=\"width: 25%; text-align: left;\"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 37.1988%; height: 50px; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$3,500</td> <td style=\"border-top: 1px solid #a9a9a9; width: 17.4699%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$600,000 至 HK$1,499,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$200,000 至 HK$599,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$1,000</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 37.1988%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"border-top: 1px solid #a9a9a9; width: 20.3313%; text-align: left;\">HK$500</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 17.4699%; text-align: left;\">HK$500</td> <td style=\"text-align: left; width: 25%;\">HK$1,000</td> </tr> </tbody> </table> </li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪18倍或HK$4,000,000(以較低者為準)</li> <li>還款期長達60個月;0%手續費</li> <li>網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果</li> <li>設有7天冷靜期</li> <li>豁免提早償還貸款手續費</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/scb/pl\" 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>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</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> <li>上述每月平息已約至小數後2個位及只供參考之用</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":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"96000","description":{"shortDescription":"HK$96,000","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":true,"enableFlipBanner":false,"termsAndConditions":"","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":{"key":"STEPS_TO_APPLY","display":"流程步驟"},"data":"1. 於網上申請<br>2. 上載文件<br>3. 即時批核<br>4. 確認及發放貸款"},{"type":{"key":"REQUIRED_DOCUMENTS","display":"所需文件"},"data":"1. 香港永久性居民身份證\n<br>2. 最近期住宅地址證明\n<br>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;<br>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;<br>自僱人士請提供商業登記證及最近之營業稅單\n<br><br>"}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":60,"loanAmountMin":5000.0,"loanAmountMax":4000000.0,"apr":1.85,"eir":null,"interestRate":0.27,"fees":[],"transferRate":null}],"fees":[],"defaults":{"loanTenure":24,"loanAmount":100000},"loanType":"FLAT_INTEREST_RATE","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"MONTHLY","paymentInterval":"MONTHLY"}}, hs_created_at=1676866195361, hs_is_edited=false, productname=渣打銀行 私人貸款, hs_name=, hs_updated_by_user_id=28491723}})
【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199) / 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
貸款金額 | MoneyHero加碼獨家優惠: |
HK$800,000 或 以上 |
|
HK$400,000 - HK$799,999 |
|
HK$200,000 - HK$399,999 |
|
如何領取MoneyHero獨家優惠
【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
貸款金額 | 現金回贈 | 額外現金回贈 (全新客戶及還款期達36個月或以上) |
HK$1,500,000 或 以上 | HK$7,000 | HK$1,000 |
HK$500,000 至 HK$1,499,999 | HK$3,000 | HK$1,000 |
HK$200,000 至 HK$499,999 | HK$2,000 | HK$1,000 |
HK$50,000 至 HK$199,999 | HK$500 | HK$1,000 |
產品特色
注意事項
{"__typename":"PersonalLoan","id":"blt261b04286074ccdb_14_zh-hk","image":{"url":"https://images.contentstack.io/v3/assets/bltdf909986be592dae/blt9061fd289ad944b4/63f5bd330b0dd01aaca5557e/SCB_logo_2023.png","description":null,"dimension":null},"featured":true,"imageOrientation":"LANDSCAPE","promotional":{"bannerText":"【10月31日截止】高達HK$18,588獎賞,包括MoneyHero獨家 SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) 或 iPad mini (256GB) (價值HK$5,199) 或 Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199) 或 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券- 迎新優惠高達HK$8,000現金回贈
- 設有7天冷靜期
- 豁免提早償還貸款手續費
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\t- 客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕
\t \t\t \t\t\t貸款金額 \t\t\tMoneyHero加碼獨家優惠: \t\t \t\t \t\t\tHK$800,000 或 以上 \t\t\t \t\t\t \t\t\t\t- SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或
\t\t\t\t- HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t\t \t\t\tHK$400,000 - HK$799,999 \t\t\t \t\t\t \t\t\t\t- iPad mini (256GB) (價值HK$5,199); 或
\t\t\t\t- HK$4,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t\t \t\t\tHK$200,000 - HK$399,999 \t\t\t \t\t\t \t\t\t\t- Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或
\t\t\t\t- HK$2,800 Apple Store 禮品卡 / 惠康購物現金券
\t\t\t
\t\t\t \t\t \t
\t- 所有獨家優惠均以顏色隨機形式發放
如何領取MoneyHero獨家優惠
\t- 請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
\t- 請於成功申請批核後的7日內,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至support@moneyhero.com.hk,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進
\t- 詳細流程:如何領取「MoneyHero獨家優惠」的現金券?
\t- 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
\t- MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。
\t- 如欲了解優惠詳情,請參閱條款及細則
","【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
- 高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情:
貸款金額 現金回贈 額外現金回贈
(全新客戶及還款期達36個月或以上) HK$1,500,000 或 以上 HK$7,000 HK$1,000 HK$500,000 至 HK$1,499,999 HK$3,000 HK$1,000 HK$200,000 至 HK$499,999 HK$2,000 HK$1,000 HK$50,000 至 HK$199,999 HK$500 HK$1,000
","產品特色
- 貸款額高達月薪23倍或HK$2,000,000(以較低者為準);額外備用現金高達月薪14X
- 還款期長達84個月;0%手續費
- 網上申請特快服務承諾:於任何辦公日中午前遞交網上申請,渣打銀行將安排專人於當天跟進
","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
- 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
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借?還得到先好借!
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providerName=渣打銀行}, description={shortDescription=[減低利息支出高達95%及12%每月還款額, 【重組債務】實際年利率4.67%,月平息低至0.2%]}, productName=渣打銀行 結餘轉戶計劃, title=HK.PL.SCBX0002.STANDARDCHARTEREDDEBTCONSOLIDATIONPROGRAM, features={title=Features, pros=[<p><strong>【MoneyHero獨家優惠】SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588) / iPad mini (256GB) (價值HK$5,199) / Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199)</strong> <strong>/ 高達HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</strong></p> <ul> <li>客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕</li> </ul> <table style="height:180px; width:100%"> <tbody> <tr> <td style="height:36px; text-align:left; width:10.3693%"><strong>貸款金額</strong></td> <td style="height:36px; text-align:left; width:39.6307%"><strong>MoneyHero加碼獨家優惠:</strong></td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$800,000 或 以上</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或</li> <li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$400,000 - HK$799,999</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>iPad mini (256GB) (價值HK$5,199); 或</li> <li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> <tr> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%">HK$200,000 - HK$399,999</td> <td style="border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%"> <ul> <li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> <li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> </ul> </td> </tr> </tbody> </table> <ul> <li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> <li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> <li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href="mailto:support@moneyhero.com.hk">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> <li>詳細流程:<a href="https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-" target="”_blank”">如何領取「MoneyHero獨家優惠」的現金券?</a></li> <li>申請產品前請關掉AdBlocker及「私人模式」:<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" target="”_blank”">3項設定讓你順利取得MoneyHero獨家優惠</a></li> <li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> <li>如欲了解優惠詳情,請參閱<a href="https://moneyhero.link/pl-scb-tnc-listing" rel="noopener" target="_blank">條款及細則</a></li> </ul>, <p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style="width: 100%;"> <tbody> <tr> <td style="height: 50px; width: 50%; text-align: left;"><strong>貸款金額</strong></td> <td style="height: 50px; width: 25%; text-align: left;"><strong>現金回贈</strong></td> <td style="width: 25%; text-align: left;"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style="border-top: 1px solid #a9a9a9; width: 50%; height: 50px; text-align: left;">HK$1,500,000 或 以上</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$7,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;">HK$500,000 至 HK$1,499,999</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$3,000 </td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;">HK$200,000 至 HK$499,999</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$2,000</td> <td style="border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$1,000</td> </tr> <tr> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;">HK$50,000 至 HK$199,999</td> <td style="height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;">HK$500</td> <td style="border-top: 1px solid #a9a9a9 width: 25%; text-align: left;">HK$1,000</td> </tr> </tbody> </table> </li> </ul>, <p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪23倍或HK$2,000,000(以較低者為準);額外備用現金高達月薪14X</li> <li>還款期長達84個月;0%手續費</li> <li>網上申請特快服務承諾:於任何辦公日中午前遞交網上申請,渣打銀行將安排專人於當天跟進</li> </ul>, <em><span style="text-decoration: 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- 設有7天冷靜期
- 豁免提早償還貸款手續費
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- 客戶由2023年9月1日至2023年10月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲以下獨家優惠﹕
貸款金額 MoneyHero加碼獨家優惠: HK$800,000 或 以上 - SAMSUNG Galaxy Tab S9 Ultra (Wi-Fi) 512GB (價值HK$10,588); 或
- HK$8,800 Apple Store 禮品卡 / 惠康購物現金券
HK$400,000 - HK$799,999 - iPad mini (256GB) (價值HK$5,199); 或
- HK$4,800 Apple Store 禮品卡 / 惠康購物現金券
HK$200,000 - HK$399,999 - Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或
- HK$2,800 Apple Store 禮品卡 / 惠康購物現金券
- 所有獨家優惠均以顏色隨機形式發放
如何領取MoneyHero獨家優惠
- 請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。
- 請於成功申請批核後的7日內,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至support@moneyhero.com.hk,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進
- 詳細流程:如何領取「MoneyHero獨家優惠」的現金券?
- 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
- MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。
- 如欲了解優惠詳情,請參閱條款及細則
, 【渣打迎新優惠】高達HK$8,000現金回贈
客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款
- 高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情:
貸款金額 現金回贈 額外現金回贈
(全新客戶及還款期達36個月或以上) HK$1,500,000 或 以上 HK$7,000 HK$1,000 HK$500,000 至 HK$1,499,999 HK$3,000 HK$1,000 HK$200,000 至 HK$499,999 HK$2,000 HK$1,000 HK$50,000 至 HK$199,999 HK$500 HK$1,000
, 產品特色
- 貸款額高達月薪23倍或HK$2,000,000(以較低者為準);額外備用現金高達月薪14X
- 還款期長達84個月;0%手續費
- 網上申請特快服務承諾:於任何辦公日中午前遞交網上申請,渣打銀行將安排專人於當天跟進
, 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
- 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
- 渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費
- 申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民
- 上述每月平息已約至小數後2個位及只供參考之用
- 借定唔借?還得到先好借!
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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
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<p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 50%; text-align: left;\"><strong>貸款金額</strong></td> <td style=\"height: 50px; width: 25%; text-align: left;\"><strong>現金回贈</strong></td> <td style=\"width: 25%; text-align: left;\"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 50%; height: 50px; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$500,000 至 HK$1,499,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$200,000 至 HK$499,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$500</td> <td style=\"border-top: 1px solid #a9a9a9 width: 25%; text-align: left;\">HK$1,000</td> </tr> </tbody> </table> </li> 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Ultra (Wi-Fi) 512GB (價值HK$10,588); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$400,000 - HK$799,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>iPad mini (256GB) (價值HK$5,199); 或</li> \t\t\t\t<li>HK$4,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:10.3693%\">HK$200,000 - HK$399,999</td> \t\t\t<td style=\"border-top:1px solid #a9a9a9; height:36px; text-align:left; width:39.6307%\"> \t\t\t<ul> \t\t\t\t<li>Apple Watch Series 9 (GPS) 41 毫米 (鋁金屬錶殼;運動錶帶)(價值HK$3,199); 或</li> \t\t\t\t<li>HK$2,800 Apple Store 禮品卡 / 惠康購物現金券</li> \t\t\t</ul> \t\t\t</td> \t\t</tr> \t</tbody> </table> <ul> \t<li>所有獨家優惠均以顏色隨機形式發放</li> </ul> <p><strong>如何領取MoneyHero獨家優惠</strong></p> <ul> \t<li>請記下完成申請後(「多謝申請」)頁面提供的申請參考編號 (例如 HKxxxxxxxxxxxxxx)。</li> \t<li>請於<strong>成功申請批核後的7日內</strong>,請(1)申請之產品名稱、(2)申請日期及(3)提取貸款確認短訊之截圖,電郵至<a href=\"mailto:support@moneyhero.com.hk\">support@moneyhero.com.hk</a>,並填寫經電郵發送之「獎賞換領表格」,以作核對及跟進</li> \t<li>詳細流程:<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/360021532611-%E5%A6%82%E4%BD%95%E9%A0%98%E5%8F%96-MoneyHero%E7%8D%A8%E5%AE%B6%E5%84%AA%E6%83%A0-%E7%9A%84%E7%8F%BE%E9%87%91%E5%88%B8-%E8%A9%B3%E7%B4%B0%E6%B5%81%E7%A8%8B-\" target=\"”_blank”\">如何領取「MoneyHero獨家優惠」的現金券?</a></li> \t<li>申請產品前請關掉AdBlocker及「私人模式」:<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\" target=\"”_blank”\">3項設定讓你順利取得MoneyHero獨家優惠</a></li> \t<li>MoneyHero限時獨家優惠由MoneyHero提供,其換領、使用方法及爭議,均與渣打銀行無關。</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://moneyhero.link/pl-scb-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】高達HK$8,000現金回贈</strong><br />客戶由2023年8月1日至2023年10月31日,於網上成功申請及提取渣打「分期貸款」可享高達HK$7,000現金回贈,全新客戶及貸款期達36個月或以上可享額外HK$1,000現金回贈。全新客戶為申請時並沒有持有任何由本行發行之渣打信用卡及/或貸款</p> <ul> <li>高達HK$7,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: <table style=\"width: 100%;\"> <tbody> <tr> <td style=\"height: 50px; width: 50%; text-align: left;\"><strong>貸款金額</strong></td> <td style=\"height: 50px; width: 25%; text-align: left;\"><strong>現金回贈</strong></td> <td style=\"width: 25%; text-align: left;\"><strong>額外現金回贈<br />(全新客戶及還款期達36個月或以上)</strong></td> </tr> <tr> <td style=\"border-top: 1px solid #a9a9a9; width: 50%; height: 50px; text-align: left;\">HK$1,500,000 或 以上</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$7,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; height: 50px; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$500,000 至 HK$1,499,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$3,000 </td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$200,000 至 HK$499,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$2,000</td> <td style=\"border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$1,000</td> </tr> <tr> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 50%; text-align: left;\">HK$50,000 至 HK$199,999</td> <td style=\"height: 50px; border-top: 1px solid #a9a9a9; width: 25%; text-align: left;\">HK$500</td> <td style=\"border-top: 1px solid #a9a9a9 width: 25%; text-align: left;\">HK$1,000</td> </tr> </tbody> </table> </li> </ul>","<p><strong>產品特色</strong></p> <ul> <li>貸款額高達月薪23倍或HK$2,000,000(以較低者為準);額外備用現金高達月薪14X</li> <li>還款期長達84個月;0%手續費</li> <li>網上申請特快服務承諾:於任何辦公日中午前遞交網上申請,渣打銀行將安排專人於當天跟進</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/scb/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>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</li> <li>渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費</li> <li>申請要求:每年固定入息HK$96,000或以上及年滿20歲或以上之香港永久性居民</li> <li>上述每月平息已約至小數後2個位及只供參考之用</li> <li>借定唔借?還得到先好借!</li> 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hs_created_at=1676866195361, hs_is_edited=false, productname=渣打銀行 結餘轉戶計劃, hs_name=, hs_updated_by_user_id=28491723}})
渣打銀行貸款產品 | 最高貸款額 | 利息 | 還款期 |
渣打銀行稅季私人貸款 | 貸款額高達月薪18倍或HK$2,500,000(以較低者為準) | 實際年利率低至1.65% | 最少12個月至最多60個月 |
渣打銀行結餘轉戶計劃 | 貸款額高達月薪18倍或HK$2,000,000(以較低者為準) | 實際年利率由最低4.67%至最高36% | 長達72個月 |
指定期間成功申請及批核貸款HK$200,000或以上,並於三個月内提取貸款,可獲:MacBook Air 配備 M2 晶片 (價值HK$9,499) 或 HK$8,800 Apple Store 禮品卡/ 惠康購物現金券 或 Bowers & Wilkins Zeppelin 無線音箱 (價值HK$6,780;顏色隨機) 或 HK$4,800 Apple Store 禮品卡 / 惠康購物現金券 或 HK$2,800 Apple Store 禮品卡 / 惠康購物現金券。
另外,渣打銀行亦不時提供迎新優惠,例如新客戶於2023年3月12日或之前於網上成功申請及提取渣打稅季私人貸款可享高達HK$8,000現金回贈。
而渣打銀行稅季私人貸款亦具以下優點:
- 貸款額高達月薪18倍或HK$2,500,000(以較低者為準)
- 還款期長達60個月;0%手續費
- 網上申請特快服務承諾:中午前遞交網上申請,當日即有專人跟進有關貸款。專人跟進後最快可即日提供審批結果
指定期間成功申請及批核貸款,可享高達HK$17,499獎賞,包括MoneyHero獨家獎賞MacBook Air 配備 M2 晶片 (價值HK$9,499) 或 HK$8,800 Apple Store 禮品卡/ 惠康購物現金券 或 Bowers & Wilkins Zeppelin 無線音箱 (價值HK$6,780;顏色隨機) 或 HK$4,800 Apple Store 禮品卡 / 惠康購物現金券 或 HK$2,800 Apple Store 禮品卡 / 惠康購物現金券。
而渣打銀行結餘轉戶計劃產品特色如下:
- 貸款額高達月薪18倍或HK$2,000,000(以較低者為準);額外備用現金高達月薪14X
- 還款期長達84個月;0%手續費
- 網上申請特快服務承諾:於任何辦公日中午前遞交網上申請,渣打銀行將安排專人於當天跟進
就總還款額、每月還款額及最低實際年利率而言,渣打銀行結餘轉戶計劃相對略勝一籌。
以下圖表以2023年1月19日資訊、以貸款額HK$400,000、分36期計算:
貸款總額 | 總還款額低至 | 每月還款額低至 | 最低實際年利率 | |
渣打銀行稅季私人貸款 | HK$400,000 | HK$438,880 | HK$12,191 |
6.3% (月平息0.27%) |
渣打銀行結餘轉戶計劃 | HK$400,000 | HK$428,800 | HK$11,911 |
4.67% (月平息0.2%) |
申請渣打銀行私人貸款及結餘轉戶計劃只需兩項簡單條件:
• 凡年滿 20 歲或以上之香港永久性居民
• 每年固定收入達 HK$96,000 或以上
渣打稅季私人貸款實際年利率可低至1.65%、借貸HK$0手續費、貸款額高達月薪
18倍或HK$2,500,000(適用於還款期12個月之貸款)/HK$2,000,000(適用於還款期24-60個月之貸款)(以較低者為準)。
其實際年利率1.65%以客戶貸款額達HK$1,500,000或以上及貸款期12個月計算。
渣打銀行稅季私人貸款/結餘轉戶計劃貸額款額可高達月薪18倍或HK$2,500,000(適用於還款期12個月之貸款)/HK$2,000,000(適用於還款期24-60個月之貸款)(以較低者為準)。
渣打銀行貸款計劃靈活還款期由最少12個月至最多60個月。
渣打銀行將根據個別客戶之信貸評級及其他有關因素而審批貸款申請,並保留權利決定是否提供私人貸款及決定最終的利率和手續費。
現有分期渣打銀行貸款客戶可享加借服務,且毋須遞交文件,還款期長達60個月,提用貸款可高於已償還本金之全數。
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