私人貸款

私人貸款可以用響好多方面,例如生意週轉、購物或投資。無論你需要私人貸款嘅原因係乜嘢,你都可以響度搵到最適合你要求嘅產品。一旦你有左心水選擇,請點擊“立即申請”按鈕開始你嘅申請。

產品:私人貸款 每月利息 年利率 最高貸款額(月薪倍數) 最多還款期 手續費 立即申請
DBS
定額私人貸款
0.05 % 3.92 % 8.00 60.00 1.50 %
立即申請
DBS
特快私人貸款
1.32 % 15.84 % 36.00
立即申請
DBS
Cashline 循環貸款
0.13 % 2.91 % 8.00 60.00
每日 HK$0.5
立即申請
DBS
「貸易清」私人貸款
0.26 % 5.80 % 18.00 72.00
立即申請
永旺投資
私人貸款
0.90 % 19.94 % 36.00
全免
立即申請
永隆銀行
私人貸款
0.30 % 6.33 % 3.00 18.00
立即申請
運通泰財務
私人貸款
0.50 % 60.00
全免
立即申請
工銀亞洲
私人貸款
0.19 % 4.26 % 8.00 60.00
全免
立即申請
工銀亞洲
分期貸款
0.14 % 3.13 % 10.00 60.00
立即申請
工銀亞洲
私人貸款
0.14 % 3.13 % 12.00
立即申請
東亞銀行
分期貸款
0.55 % 36.00
特惠費
立即申請
永亨銀行
私人貸款
0.28 % 6.28 %
全免
立即申請
永亨銀行
私人貸款
0.27 % 6.89 % 48.00 1.00 %
立即申請
永亨銀行
私人貸款
5.76 % 60.00 1.00 %
立即申請
永亨銀行
私人貸款
0.03 % 2.46 % 72.00
立即申請
南洋商業銀行
分期貸款
0.30 % 8.81 % 12.00 48.00 2.00 %
立即申請
中信銀行國際
分期貸款
0.04 % 2.88 % 10.00 72.00 1.00 %
立即申請
創興銀行
私人貸款
0.17 % 6.67 % 4.00 24.00
全免
立即申請
創興銀行
私人貸款
0.22 % 4.62 % 5.00 48.00
全免
立即申請
創興銀行
私人貸款
0.18 % 3.76 % 5.00 48.00
全免
立即申請
大新銀行
分期貸款
0.80 % 7.10 % 6.00 3.00 %
立即申請
大新銀行
私人貸款
0.16 % 6.12 % 21.00 84.00
立即申請
中國銀行
私人貸款
0.38 % 10.70 % 36.00 1.00 %
已包含在年利率中
立即申請
中國銀行
私人貸款
0.06 % 2.39 % 18.00 96.00 0.75 %
已包含在年利率中
立即申請
恆生銀行
私人貸款
0.25 % 7.63 % 24.00 1.00 %
立即申請
恆生銀行
分期貸款
0.45 % 12.71 % 21.00 64.00 1.00 %
已包含在年利率中
立即申請
恆生銀行
分期貸款
5.25 % 36.00 0.25 %
立即申請
恆生銀行
分期貸款
0.16 % 3.81 % 8.00 60.00
全免
立即申請
富邦銀行
私人貸款
0.18 % 6.00 % 14.00 72.00 1.00 %
立即申請
富邦銀行
私人貸款
0.22 % 4.95 % 12.00 60.00
全免
立即申請
富邦銀行
分期貸款
10.71 % 36.00 0.50 %
立即申請
中國建設銀行
分期貸款
0.14 % 2.23 % 12.00 84.00
全免
立即申請
交銀香港
分期貸款
0.25 % 7.63 % 6.00 48.00 2.00 %
立即申請
交銀香港
私人貸款
0.04 % 2.83 % 10.00 60.00
全免
立即申請
交銀香港
私人貸款
3.76 % 36.00 0.18 %
每月
立即申請
大眾銀行
私人貸款
0.16 % 5.54 % 1.00 %
立即申請
大眾銀行
私人貸款
0.16 % 3.58 % 12.00 36.00
立即申請
大眾銀行
私人貸款
5.81 % 36.00 0.25 %
立即申請
大眾銀行
私人貸款
0.19 % 6.01 % 1.00 %
立即申請
大眾銀行
私人貸款
10.17 % 24.00
每年 HK$500
立即申請
澳新銀行
私人貸款
0.09 % 3.91 % 12.00 72.00 1.00 %
已包含在年利率中
立即申請
渣打銀行
私人貸款
6.01 % 48.00 0.25 %
立即申請
渣打銀行
私人貸款
0.12 % 4.00 1.50 %
立即申請
渣打銀行
分期貸款
0.03 % 3.89 % 10.00 60.00 1.50 %
已包含在年利率中
立即申請
花旗銀行
現金貸款
5.38 % 3.00
Free for the first year
立即申請
花旗銀行
現金貸款
0.13 % 2.91 % 48.00
立即申請
花旗銀行
私人貸款
0.14 % 3.28 % 21.00 60.00 1.00 %
立即申請

Personal Loans in Hong Kong

People normally set aside a sum of money to finance any need that may come their way. Unfortunately, savings may not be enough for unexpected expenses like medical bills or take too long to accumulate to answer a pressing need such as owning a car. Personal loans offer a quick way to bridge this gap.

In Hong Kong, around one third of the residents owe debt other than housing mortgage loans with an annualized 40% surge in bank lending on June of this year. For those interested, information is the key to getting a product suitable to your needs.

Secured vs Unsecured Loans

Personal loans can be classified as either secured or unsecured. Secured loans have lower interest rates but require security, like your house, in exchange for the money you borrow. Defaulting on your payments could risk losing your collateral. As such, many people opt for unsecured loans with higher interest rates instead. Unsecured loans are issued by financial institutions based on your income, credit rating, and other specified criteria.

Types of Unsecured Loans

Unsecured loans are classified as a personal line of credit or personal cash instalment loan. Personal line of credit allows people to draw as much credit available and pay interest only on the used amount. This is an option that can be included on a card or a current account.

A personal instalment loan, on the other hand, lends a fixed amount which needs to be paid in fixed monthly instalments within a chosen tenure. The rate and the maximum amount will depend on your income, credit score, and chosen tenure. Different institutions impose different loan caps, repayment periods, and internal requirements so being rejected from one doesn’t necessarily mean a rejection from all.

Application Process

Financial institutions have made the application process relatively easy by providing online application alternatives. You need to fill up the form and submit it together with a copy of your identity card, income documents, and proof of residence such as a utility bill. The application will be assessed and money will be disbursed upon approval.

Savings Tips

Talk to your chosen lender who can help assess your requirements. The person can explain the different repayment options and calculate the interest payments for different tenures. In addition, since approval and interest rates depend on your credit rating, make a habit of checking your credit score to ensure that everything is in order. Remember to compare different offers in the market for the best deals before applying. Simultaneous applications to different institutions will increase inquiry amount in your credit report which could prompt institutions to offer you a higher interest rate. If you have no credit history or have a less than ideal credit rating, try applying to non-bank lenders that have less stringent requirements. Finally, make sure to read the fine print for hidden fees. An application charge is often imposed on the disbursed loan amount as well as early repayment charges if you decide to pay off your loan before the maturity. Late penalties will also be incurred for overdue payments. As always, borrow only what you need and what you can afford to repay. Happy hunting!

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