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【清卡數邊間好】比較各大銀行/財務公司結餘轉戶計劃及優惠 (2021年1月)

(更新日期﹕2021年1月)

不少都市人都會不小心消費過度「簽大咗」,更習慣每個月只還min pay(最低還款額)!但其實信用卡利息高昂,一般都高達30厘以上,不一次過清走卡數,隨時利疊利,欠款以倍數增加!所以不少銀行和財務公司都會推出專為清卡數而設的結餘轉戶貸款計劃,直接將貸款發放至欠債戶口,幫你一筆清掉高息卡數後,才用較低利息集中清還債務。阿睥今次就為大家比較和整合不同銀行和財務公司的清卡數貸款計劃,讓大家可以更快找出最適合自己的貸款計劃!

以月入$25,000,向銀行/財務公司借貸$50,000來清卡數,並分24期償還,貸款計劃詳情如下:

銀行/財務公司花旗銀行大新銀行渣打銀行安信WeLend中國銀行
貨款計劃卡數結餘轉戶清卡數「快應錢」結餘轉戶計劃結餘轉戶計劃清卡數貸款分期「易達錢」 結餘轉戶
全期利息$4,680$7,200$4,936$2,400$1,291$9,624
手續費$1,100$1,000$1,000
每月還款額$2,278$2,429$2,289$2,183$2,137$2,526
批核及獲得貸款需時幾分鐘內網上批核,確認貸款合約後二十四小時內過數大新「e直通遙距申請」,即時數碼批核貸款額需諮詢銀行特快批核,確認貸款合約後,最快一小時過數網上即時,網上確認貸款合約後,最快一個鐘過數需諮詢銀行
貸款優惠

高達$2,888現金回贈+網上申請HK$100現金獎賞網上申請享高達$3,000現金回贈成功申請送高達HK$8,000現金獎賞新舊客戶並成功提取新貸款額達HK$100,000或以上及供款期達24期或以上,即可獲贈iPhone SE(64GB)一部高達4個月利息回贈
GoBear獨家優惠

高達HK$1,000現金券
詳情了解更多了解更多了解更多了解更多了解更多了解更多

*以上資訊只供參考,最終的貸款利率以銀行或財務機構為準

當然,銀行和財務公司會就你的貨款額和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化算,所以你可上 GoBear 睇睇各大銀行及財務公司利息收費,比較完先申請,那就慳得更多,萬無一失!

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