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本人同意 條款及細則 以及同意按 私隱政策 接受推廣資訊。

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SCB渣打貸款比較 : 最新渣打銀行貸款利息及計劃

Luggage on Twitter Twemoji 14.0  經本網申請恒生enJoy卡,簽HK$1,000獨家送你DELSEY行李喼(價值:HK$2,480)!
7 Dec, 2023 |Posted by MoneyHero貸款專家
20230920_渣打銀行貸款_計劃特色_利息概覽_Blog Cover

有時急住周轉,但市面上的貸款計劃又花多眼亂。MoneyHero一文綜合了渣打銀行三大熱門私人貸款計劃,以及各計劃的年利率、利息、還款額及優惠回贈。


渣打銀行私人貸款2023

渣打銀行私人分期貸款 


渣打銀行分期貸款計劃實際年利率低至1.85%,同時亦免除手續費。貸款額則高達月薪18倍,還款期達60個月。另外,渣打私人貸款計劃為豁免客戶提早償還貸款的手續費,特設7天冷靜期。

實際年利率

低至1.85%

手續費

0%

貸款額

最高達月薪18倍或HK$400萬

最低貸款額

HK$5,000

還款期

最長60個月

優惠回贈 (網上優惠)

12個月還款期:HK$3,500 現金回贈

24個月或以上還款期:HK$7,000 現金回贈

(全新客戶及貸款期達36個月或以上:  額外 HK$1,000)

 

渣打銀行 税季私人貸款

渣打銀行 税季私人貸款

最低實際年利率

1.85
%

最高貸款額

HK$400萬或月薪18倍

手續費

0%

獎賞

【2024年1月31日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞

  • 高達HK$8,000現金回贈
  • 抽獎:
    • 128,000「亞洲萬里通」里數(「大獎」) - 共10份
    • HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
更多資訊
隱藏信息
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税季私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月10日中午12時至2024年1月31日下午6時,成功經MoneyHero申請,並於2024年1月31日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月內提取貸款,可享以下獨家優惠:</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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29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,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達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> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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>7天冷靜期 - 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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。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, 渣打銀行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。優惠須受條款及細則約束。</li> \t<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> \t<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> \t<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> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> 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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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29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,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達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> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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>7天冷靜期 - 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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。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, 渣打銀行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。優惠須受條款及細則約束。</li> \t<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> \t<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> \t<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> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<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_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 税季私人貸款, hs_updated_by_user_id=60412388}, id=62168994035, table_id=4701663, table_name=product_moneyhero})

渣打銀行結餘轉戶計劃


如不幸遇上周轉不靈,有時難免只能支付每月最低還款額,但未還清的部份卻會利疉利不斷滾存,而坊間信用卡的實際年利率便高達30%。渣打銀行的結餘轉戶計劃便可提供實際年利率低至4.67%的貸款,為客戶整合現有的信用卡卡數及債務,大大減低利息支出,其貸款額高達月薪23倍或HK$200萬,以較低者為準,還款期則最長為84個月。

實際年利率
(以貸款額HK$200,000或以上、
貸款期36個月計算)


低至4.67%

手續費

0%

貸款額

最高達月薪23倍或HK$200萬 (以較低者為準)

最低貸款額

HK$5,000

還款期

長達84個月

優惠回贈 (網上優惠)

網上申請可享高達HK$2萬現金回贈

全新客戶及貸款期達36個月或以上:額外 HK$1,000 現金回贈

 

渣打銀行 結餘轉戶計劃

渣打銀行 結餘轉戶計劃

最低實際年利率

5.13
%

最高貸款額

HK$200萬或月薪23倍

手續費

0%

獎賞

【2024年1月31日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞

  • 高達HK$21,000現金回贈
  • 抽獎:
    • 128,000「亞洲萬里通」里數(「大獎」) - 共10份
    • HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
更多資訊
隱藏信息
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結餘轉戶計劃","title":"HK.PL.SCBX0002.STANDARDCHARTEREDDEBTCONSOLIDATIONPROGRAM","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月10日中午12時至2024年1月31日下午6時,成功經MoneyHero申請,並於2024年1月31日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月內提取貸款,可享以下獨家優惠:</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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日,於網上成功申請及提取渣打「分期貸款」可享高達HK$20,000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> \t<li>高達HK$20,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: \t<table style=\"height:200px; width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:258px\"><strong>貸款金額 </strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:253px\"> \t\t\t\t<p><strong>基本現金回贈</strong></p> \t\t\t\t</td> \t\t\t\t<td style=\"height:50px; text-align:left; width:348px\"><strong>額外現金回贈 (全新客戶及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$1,500,000或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$20,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$1,000,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$11,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$700,000 - HK$999,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$5,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$500,000 - HK$699,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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></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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結餘轉戶計劃","title":"HK.PL.SCBX0002.STANDARDCHARTEREDDEBTCONSOLIDATIONPROGRAM","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月10日中午12時至2024年1月31日下午6時,成功經MoneyHero申請,並於2024年1月31日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月內提取貸款,可享以下獨家優惠:</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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29日,於網上成功申請及提取渣打「分期貸款」可享高達HK$20,000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> \t<li>高達HK$20,000現金回贈、全新客戶額外HK$1,000現金回贈之詳情: \t<table style=\"height:200px; width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:258px\"><strong>貸款金額 </strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:253px\"> \t\t\t\t<p><strong>基本現金回贈</strong></p> \t\t\t\t</td> \t\t\t\t<td style=\"height:50px; text-align:left; width:348px\"><strong>額外現金回贈 (全新客戶及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$1,500,000或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$20,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$1,000,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$11,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$700,000 - HK$999,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$5,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$500,000 - HK$699,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:258px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:253px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:348px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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></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_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 結餘轉戶計劃, hs_updated_by_user_id=60412388}, id=62168994242, table_id=4701663, table_name=product_moneyhero})

揸打銀行稅季貸款計劃


稅季私人貸款計劃只限每年的稅季申請,即每年的10月至3月開放。2023年渣打稅貸計劃的實際年利率低至1.85%,同設免手續費。另外,貸款額最高月薪18倍或HK$400萬,還款期為12至60個月。

實際年利率

低至1.85%

手續費

0%

貸款額

最高達月薪18倍或HK$400萬

還款期

2至60個月

 

渣打銀行 税季私人貸款

渣打銀行 税季私人貸款

最低實際年利率

1.85
%

最高貸款額

HK$400萬或月薪18倍

手續費

0%

獎賞

【2024年1月31日截止】經MoneryHero申請,不論批核結果獨家送HK$800 Apple Store 禮品卡 / 超市現金券,成功提取私人貸款可尊享高達HK$8,800 Apple Store 禮品卡 / 超市現金券
【渣打迎新優惠】貸款優惠二重賞

  • 高達HK$8,000現金回贈
  • 抽獎:
    • 128,000「亞洲萬里通」里數(「大獎」) - 共10份
    • HK$2,000 Expedia電子旅遊禮券(“旅遊禮券”) - 共10份
更多資訊
隱藏信息
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税季私人貸款","title":"HK.PL.SCBX0001.STANDARDCHARTEREDPERSONALINSTALMENTLOAN","features":{"title":"Features","pros":["<p><strong>【MoneyHero獨家優惠】限時額外HK$800 Apple Store禮品卡 / 惠康現金券</strong></p> <ul> \t<li><strong>限時優惠</strong>:2023年11月10日中午12時至2024年1月31日下午6時,成功經MoneyHero申請,並於2024年1月31日或之前向銀行交齊所有文件,不論貸款額及是否獲批核,可享HK$800 Apple Store禮品卡 / 惠康現金券</li> \t<li>如欲了解優惠詳情,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/25027138471193\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> </ul>","<p><strong>【MoneyHero獨家優惠】</strong></p> <ul> \t<li>客戶由2023年11月10日至2024年1月31日期間,經MoneyHero成功申請及批核貸款HK$200,000或以上,並於三個月內提取貸款,可享以下獨家優惠:</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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29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,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達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> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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>7天冷靜期 - 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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。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, 渣打銀行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。優惠須受條款及細則約束。</li> \t<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> \t<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> \t<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> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<li>借定唔借?還得到先好借!</li> 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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>iPhone 15 Pro 256GB<strong>&nbsp;</strong>(價值HK$9,399); 或</li> \t\t\t\t<li>HK$8,800 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$8,800 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$500,000 - 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>SAMSUNG 55吋 QLED Q60C 4K智能電視 (價值HK$8,980); 或</li> \t\t\t\t<li>HK$7,000 Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$7,000 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$300,000 - HK$499,999</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>Dyson V12s Detect Slim Submarine&trade; 乾濕全能洗地吸塵機<strong>&nbsp;</strong>(價值HK$6,180)&nbsp;; 或</li> \t\t\t\t<li>HK$5,500&nbsp;Apple Store 禮品卡; 或</li> \t\t\t\t<li>HK$5,500 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$299,999</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$3,000 Apple Store 禮品卡</li> \t\t\t\t<li>HK$3,000 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-pl-tnc-listing\" rel=\"noopener\" target=\"_blank\">條款及細則</a></li> \t<li>有關全城最高獨家優惠保證,請參閱<a href=\"https://support.moneyhero.com.hk/hc/zh-tw/articles/23960730876569\" target=\"blank\">條款及細則</a></li> </ul>","<p><strong>【渣打迎新優惠】貸款優惠二重賞</strong><br /> 客戶由2024年1月9日至2024年2月29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,全新客戶及現有本行之自動轉賬出糧服務客戶及貸款期達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> \t<li>高達HK$7,000現金回贈、全新客戶及現有渣打銀行之自動轉賬出糧服務客戶額外HK$1,000現金回贈之詳情: \t<table style=\"width:100%\"> \t\t<tbody> \t\t\t<tr> \t\t\t\t<td style=\"height:50px; text-align:left; width:201px\"><strong>貸款金額</strong></td> \t\t\t\t<td style=\"text-align:left; width:176px\"><strong>基本現金回贈 (還款期達12個月)</strong></td> \t\t\t\t<td style=\"height:50px; text-align:left; width:180px\"><strong>基本現金回贈 (還款期達24個月或以上)</strong></td> \t\t\t\t<td style=\"text-align:left; width:242px\"><strong>額外現金回贈<br /> \t\t\t\t(全新客戶及現有本行之自動轉賬出糧服務客戶</strong><strong>及還款期達36個月或以上)</strong></td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$1,500,000 或以上</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$3,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$7,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$600,000 - HK$1,499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$3,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$500,000 - HK$599,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$200,000 - HK$499,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:176px\">HK$1,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$2,000</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t\t<tr> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:201px\">HK$50,000 - HK$199,999</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:176px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:180px\">HK$500</td> \t\t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:242px\">HK$1,000</td> \t\t\t</tr> \t\t</tbody> \t</table> \t</li> \t<li> \t<p>額外現金回贈只合適於全新客戶(即申請貸款時並未持有由本行發行之信用卡及/或貸款之 客戶)或為現有本行之自動轉賬出糧服務客戶。</p> \t</li> </ul>","<p><strong>【渣打抽獎活動】</strong></p> <ul> \t<li>客戶由2024年1月9日至2024年2月29日, \t<ul> \t\t<li>於推廣期內網上成功申請私人分期貸款或「分期貸款」結餘轉戶計劃及</li> \t\t<li>於三個月內提取貸款。客戶將會自動登記抽獎,依照條款及細則毋須另行登記。</li> \t</ul> \t</li> </ul> <table style=\"height:200px; width:100%\"> \t<tbody> \t\t<tr> \t\t\t<td style=\"height:50px; text-align:left; width:410px\"><strong>得獎者名額</strong></td> \t\t\t<td style=\"height:50px; text-align:left; width:771px\"> \t\t\t<p><strong>獎品</strong></p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\">第1&nbsp;- 10位得獎者</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>128,000「亞洲萬里通」里數 (「大獎」)</p> \t\t\t</td> \t\t</tr> \t\t<tr> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:410px\"> \t\t\t<p>第11 - 20位得獎者</p> \t\t\t</td> \t\t\t<td style=\"border-top-color:#a9a9a9; border-top-style:solid; border-top-width:1px; height:50px; text-align:left; width:771px\"> \t\t\t<p>HK$2,000 Expedia電子旅遊禮券 (&ldquo;旅遊禮券&rdquo;)</p> \t\t\t</td> \t\t</tr> \t</tbody> </table>","<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>7天冷靜期 - 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> \t<li>實際年利率為1.85%(以客戶貸款額達HK$1,500,000或以上及貸款期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適用的費用與收費。此實際年利率並不包括現金回贈。優惠利率僅適用於客戶於本申請時並沒有持有任何渣打信用卡/現有本行之自動轉賬出糧服務客戶/ 優先理財客戶/優先私人理財客戶。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, 渣打銀行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。優惠須受條款及細則約束。</li> \t<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> \t<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> \t<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> \t<li>上述每月平息已約至小數後2個位及只供參考之用</li> \t<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_name=, hs_initial_published_at=1711497612721, hs_created_at=1676866195361, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 税季私人貸款, hs_updated_by_user_id=60412388}, id=62168994035, table_id=4701663, table_name=product_moneyhero})

渣打貸款比較 : 私人貸款 vs 結餘轉戶計劃

貸款用途

私人貸款計劃並沒有特定用途,任何周轉或資金有需要便能申請,而結餘轉戶計劃普遍用於作整合債務及卡數。

計劃特色

私人貸款計劃的實際年利率為1.85%,結餘轉戶計劃實際年利率則可低至4.67%,實際利率按銀行審批結果而定,而後者的貸款額及還款期皆高於私人貸款計劃。相同之處為兩者均免手續,及具特快服務承諾(於中午前遞交網上申請,專人便會於當天跟進有關申請)。

最高貸款額

私人貸款計劃的最高貸款額為月薪的18倍,結餘轉戶計劃的最高貸款額則為月薪的23倍或HK$200萬 (以較低者為準)。

最長還款期

私人貸款計劃的最長還款期為60個月,結餘轉戶計劃的最長還款期則為84個月,私人貸款計劃比結餘轉戶計劃長。

比較更多銀行貸款


MoneyHero一次過比較多間銀行貸款計劃,實際年利率低至1.65%,貸款額高達HK$400萬,最快即日現金到手!

渣打銀行稅季私人貸款有甚麼優點?


渣打稅季私人貸款在每年的10月至3月開放,設有彈性還款期,申請人可選擇12至60個月的還款期。另外,渣打稅季私人貸款的利息比私人分期貸款及結餘轉戶計劃低,2023年渣打稅貸實際年利率可低至1.85%,實際利率按銀行審批結果而定。

渣打貸款申請資格、所需文件及批核時間

申請資格


申請人需為年滿 20 歲或以上的香港永久性居民,每年固定收入亦需達 HK$96,000 或以上。

所需文件


申請貸款需要的文件證明包括香港永久性居民身份證、住宅地址證明和銀行月結單。

批核時間


於中午前遞交網上申請,渣打銀行將安排專人於當天跟進有關申請。

渣打銀行貸款常見問題

渣打貸款批核過程及放款需時多久?

申請人於中午前遞交網上申請,渣打銀行將安排專人於當天跟進有關申請。

渣打銀行稅季私人貸款/結餘轉戶計劃的最高借貸額是如何計算?

私人貸款計劃的最高貸款額為月薪的18倍,結餘轉戶計劃的最高貸款額則為月薪的23倍或HK$200萬 (以較低者為準)。

渣打貸款每月平息及實際年利率有甚麼分別?

每月平息是指每個月的固定利息支出,供客戶更容易理解每月的貸款利息,而實際年利率則包括了所有的借貸成本 (手續費、行政費及現金回贈)。

渣打私人貸款還有其他隱藏收費嗎?

若私人貸款計劃有逾期遷款的情況,每月需付HK$1,000。另外,若需申請拓展易中小企業分期貸款紀錄副本,每份則需付HK$200。