分期貸款產品資料概要
集友銀行有限公司
集友「貸合適」稅務貸款
2020年11月
此乃分期貸款產品。 本概要所提供的利息、費用及收費等資料僅供參考, 分期貸款的最終條款以還款通知書為準。 |
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利率及利息支出 | |||||||||||
實際年利率 |
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逾期還款年化利率 /就違約貸款收取的年化利率 | 就逾期未付的金額收取年息36.5%,逾期利息由到期日起計算至實際還款日止。利息將按日以單利率計算。 | ||||||||||
費用及收費 | |||||||||||
手續費 | 豁免 | ||||||||||
逾期還款費用及收費 | 每一期逾期未付的每月還款將收取港幣500元行政費 | ||||||||||
提前還款 / 提前清償 / 贖回的收費 |
當客戶提前償還全數貸款時,將收取提前還款收費。 提前還款收費 = 行政費 + 額外利息 行政費:提取金額之1% 額外利息:額外計收1個月利息 ‧ 如在供款當日提前償還全部貸款,除收取當期的利息外,並須額外收取下期之每月還 款利息 ‧ 如在非供款日提前償還全部貸款,則須收取下兩期之每月還款利息 |
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退票 / 退回自動轉賬授權指示的收費 | 每次退票 / 退回自動轉賬授權指示時,將收取港幣150元 | ||||||||||
其他資料 | |||||||||||
1.實際年利率乃根據《銀行營運守則》所載的有關指引計算,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費用與收費。 2. 最低貸款金額:港幣50,000元。 |
提示:借定唔借?還得到先好借!
Key Facts Statement (KFS) for Instalment Loan
Chiyu Banking Corporation Ltd.
Chiyu "iSmart" TAX LOAN
November 2020
This product is an instalment loan. This KFS provides you with indicative information about interest, fees and charges of this product but please refer to our repayment schedule for the final terms of your instalment loan |
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Interest Rates and Interest Charges | |||||||||||
Annualised Percentage Rate (APR) |
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Annualised Overdue / Default Interest Rate | Annualized interest rate of 36.5% will be applied on the amount overdue from the due date until the date of actual repayment. The interest is calculated daily on a simple basis. | ||||||||||
Fees and Charges | |||||||||||
Handling Fee | Waived | ||||||||||
Late Payment Fee and Charge | An administrative fee of HK$500 for each overdue but unpaid monthly instalment of the loan | ||||||||||
Prepayment/ Early Settlement/ Redemption Fee |
Early Settlement Fee = Administration Fee + Additional Interest, which will be charged when you fully repay the loan. Administration Fee: 1% of the drawdown amount Additional Interest: additional 1 month interest ‧ Apart from current month’s instalment interest, next month’s instalment interest will be charged if early settlement is made on an instalment repayment date ‧ Interests of the next two monthly instalments will be charged if early settlement is not made on an instalment repayment date |
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Returned Cheque /Rejected Autopay Charge |
HK$150 per returned cheque / rejected autopay payment | ||||||||||
Additional Information | |||||||||||
1. The APRs are calculated according to the guidelines laid down in the “Code of Banking Practice” and are the annualised reference rates that reflect basic interest and other related fees and charges of the banking products. 2. Minimum loan amount: HK$50,000. |
Reminder: To borrow or not to borrow? Borrow only if you can repay!