GoBear is now part of Finder

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

【稅季貸款2020/2021】借稅貸五大注意事項

話咁快又來到2020年了,又到左交稅季節,各大銀行的稅貸計劃已陸續出台。稅貸息率一般較私人貸款為低,故經常吸引不少人申請。不過,借錢始終涉及成本,不宜輕率地「人借你又借」,申請前應了解清楚計劃內容。

即睇﹕【2020/2021稅季貸款比較】邊間銀行稅貸年利率最低 一文睇哂

1. 「最低每月平息」不是人人適用

銀行經常標榜「最低每月平息」可以低至幾多厘,聽落確是相當吸引,但這個息率水平,一般有借款下限,例如最少要借60萬元。倘若你借的總額低於這個借款下限,例如只借40萬元,你所要承擔的借貸息率,定會高於「最低每月平息」。

2. 比較實際年利率

稅貸計劃經常以「每月平息」超低作賣點,但要留意,每月平息不能完全反映你每月所要承擔的還款開支,因借貸涉及手續費、行政費等。因此,想清楚比較各稅貸計劃,請計算「實際年利率(APR)」。APR包括基本利率、行政費、手續費等所有借貸成本,有時銀行說「每月平息」近乎0%,倘以APR計算,年利率隨時超過1至2厘。同時,不少銀行表示會提供「現金回贈」優惠,但這筆回贈一般要待客戶還清所有貸款才發放,對減輕每月還款負擔未必有幫助。

3. 提早還錢 反而會罰錢

不要以為提早還錢有著數﹗銀行為了賺息以及減輕行政負擔,絕不鼓勵客戶提前還錢。假如客戶堅持提早繳清所有借貸,一般需要支付罰款或罰息。

4. 還款期宜短不宜長

銀行提供的稅貸還款期,一般較私人貸款短,由6個月至24個月不等,部份更可長達48個月。還款期越長,所要承擔的利息開支當然會越高。再者,打工仔每年要交稅兩次,假設原來的稅貸未還清,下一個交稅期又到,便要承受更大的財政壓力。

5. 重整理財組合

假如你是「月光族」,甚至身負信用卡卡數未清,借稅貸無疑是一個有助改善周轉和重組債務的方式。因為信用卡年息隨時高達20厘,用稅貸還卡數,確可減輕利息負擔。不過,歸根究底,要徹底減債,始終要從改善消費模式入手,不作無謂揮霍,否則借稅貸冚卡數也是無補於事。

當然,銀行會就你的貸款額及信貸記錄而作出利息調整,如想作出較大額的貸款,銀行貸款計劃亦可能更划算,所以你可上 GoBear 睇睇各大銀行的稅貸計劃,比較完先申請,那就慳得更多,萬無一失!

 

伸延閱讀

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy Policy and Terms.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site