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結餘轉戶計劃 幫你實現還款自由

節省利息支出高達95%

手續費

0%

還款期

長達84個月

貸款額

高達月薪 24X 或HK$2,000,000 (以較低者為準)

  

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還款額

還款期 12-84 個月

全新客戶^及還款期 36-84個月

級別 1

還款額

HK$ 100,000

還款期 12-84 個月

HK$ 800

全新客戶^及還款期 36-84個月

級別 2

還款額

HK$ 100,000

還款期 12-84 個月

HK$ 3,000

全新客戶^及還款期 36-84個月

級別 3

還款額

HK$ 700,000

還款期 12-84 個月

HK$ 5000

全新客戶^及還款期 36-84個月

級別 4

還款額

HK$ 1,000,000

還款期 12-84 個月

HK$ 11,000

全新客戶^及還款期 36-84個月

級別 5

還款額

HK$ 1.500,000

還款期 12-84 個月

HK$ 20,000

全新客戶^及還款期 36-84個月

  • 級別 1
  • 級別 2
  • 級別 3
  • 級別 4
  • 級別 5

實際年利率由最低4.67%至最高36%，靈活還款期由最少12個月至最多84個月。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。本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。

立即申請

Example 1:

Tony is in blue tier as he has accumulated HKD10,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now he wants to exchange HKD to 2,000,000 JPY for his travelling.

  • Spread discount: 6%
  • JPY/HKD exchange rate before discount: 0.054432
  • JPY/HKD exchange rate after discount: 0.054405
  • Savings after exchange: HKD54
  • Accumulated Transaction Amount after exchange: HKD118,810
  • Membership Tier after exchange: Blue (remain)

Example 2:

Jenny is in silver tier as she has accumulated HKD1,500,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now she wants to exchange HKD to AUD100,000 for her children’s education.

  • Spread discount: 13%
  • AUD/HKD exchange rate before discount: 5.04
  • AUD/HKD exchange rate after discount: 5.035
  • Savings after exchange: HKD500
  • Accumulated Transaction Amount after exchange: HKD2,003,500
  • Membership Tier after exchange: Gold (upgraded)

Example 1:

Tony is in blue tier as he has accumulated HKD10,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now he wants to exchange HKD to 2,000,000 JPY for his travelling.

  • Spread discount: 6%
  • JPY/HKD exchange rate before discount: 0.054432
  • JPY/HKD exchange rate after discount: 0.054405
  • Savings after exchange: HKD54
  • Accumulated Transaction Amount after exchange: HKD118,810
  • Membership Tier after exchange: Blue (remain)

Example 2:

Jenny is in silver tier as she has accumulated HKD1,500,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now she wants to exchange HKD to AUD100,000 for her children’s education.

  • Spread discount: 13%
  • AUD/HKD exchange rate before discount: 5.04
  • AUD/HKD exchange rate after discount: 5.035
  • Savings after exchange: HKD500
  • Accumulated Transaction Amount after exchange: HKD2,003,500
  • Membership Tier after exchange: Gold (upgraded)

Example 1:

Tony is in blue tier as he has accumulated HKD10,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now he wants to exchange HKD to 2,000,000 JPY for his travelling.

  • Spread discount: 6%
  • JPY/HKD exchange rate before discount: 0.054432
  • JPY/HKD exchange rate after discount: 0.054405
  • Savings after exchange: HKD54
  • Accumulated Transaction Amount after exchange: HKD118,810
  • Membership Tier after exchange: Blue (remain)

Example 2:

Jenny is in silver tier as she has accumulated HKD1,500,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now she wants to exchange HKD to AUD100,000 for her children’s education.

  • Spread discount: 13%
  • AUD/HKD exchange rate before discount: 5.04
  • AUD/HKD exchange rate after discount: 5.035
  • Savings after exchange: HKD500
  • Accumulated Transaction Amount after exchange: HKD2,003,500
  • Membership Tier after exchange: Gold (upgraded)

Example 1:

Tony is in blue tier as he has accumulated HKD10,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now he wants to exchange HKD to 2,000,000 JPY for his travelling.

  • Spread discount: 6%
  • JPY/HKD exchange rate before discount: 0.054432
  • JPY/HKD exchange rate after discount: 0.054405
  • Savings after exchange: HKD54
  • Accumulated Transaction Amount after exchange: HKD118,810
  • Membership Tier after exchange: Blue (remain)

Example 2:

Jenny is in silver tier as she has accumulated HKD1,500,000 within the half year period (1st Jan – 30th June OR 1st July – 31st December). Now she wants to exchange HKD to AUD100,000 for her children’s education.

  • Spread discount: 13%
  • AUD/HKD exchange rate before discount: 5.04
  • AUD/HKD exchange rate after discount: 5.035
  • Savings after exchange: HKD500
  • Accumulated Transaction Amount after exchange: HKD2,003,500
  • Membership Tier after exchange: Gold (upgraded)

申請資格

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

所需文件

閣下之香港永久性居民身份證

附有閣下姓名之最近期住宅地址證明

固定收入人士請提供最近1個月之附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄或電腦編印糧單或最新的薪俸稅及個人入息課稅單

非固定收入人士請提供最近3個月之附有閣下姓名、賬戶號碼及薪酬之銀行月結單 / 存摺紀錄或電腦編印糧單或最新的薪俸稅及個人入息課稅單

自僱人士請提供商業登記證及最近之營業稅單

注意：本行保留權利要求更多合適的文件以作進一步檢討

^ 全新客戶為客戶於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。​

  1. 上述每月平息只供參考之用。實際每月平息將按個別情況及銀行批核而釐定。其實際年利率為4.67%（以貸款額達HK$200,000或以上、貸款期36個月及實際每月平息計算）。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。本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，本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。​
  2. 實際年利率由最低4.67%至最高36%，靈活還款期由最少12個月至最多84個月。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。本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。​

貸款申請熱線之辦公時間為星期一至五上午10時至晚上7時。

渣打「分期貸款」結餘轉戶計劃之一般條款及細則

渣打「分期貸款」結餘轉戶計劃條款及細則之撮要

「渣打紅利出糧戶口」迎新優惠之條款及細則

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