結餘轉戶2024:比較16大易批結餘轉戶計劃及清卡數貸款

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為什麼結餘轉戶計劃能夠有效縮短還款期？

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銀行及貸款機構推出的結餘轉戶之還款期高達84個月；反之，信用卡年息及卡數之還款期沒有明確的上限。換言之，只有繳清全部的卡數及/或年息及額外費用，才是完全清還卡數，基本上靠信用卡持有人自身的還款能力而定。如果該人無力償還全部卡數及/或年息，卡數有機會猶如雪球般越滾越大，造成惡性循環。因此，結餘轉戶優點是可節省利息開支，能減少每月還款額及縮短還款期，如果想集中處理卡數及害怕「小數怕長計」，申請結餘轉戶，將卡數一刀切，無疑是最適合的選擇。

為什麼結餘轉戶計劃能夠節省到利息？

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結餘轉戶其一特點，便是相比卡信用卡年息，更有效降低利息支出。

再者，信用卡年息及實際年利率動輒超過30%，如果沒有如期清繳卡數，信用卡現金透支等所帶來的財務費用將會極高。長遠來說，卡數容易像雪球般越滾越大，足以令消費者債築高台，到時想借貸有機會會因信貸評級(TU)較差而鞋以批核。

而銀行及貸款機構推出的結餘轉戶是屬於一種貸款產品，年利率介乎3%至18%，與信用卡卡數及年息相對較低，主要用作清還卡數，而欠債人可以利用新批出的貸款一次過償還原本較高利息的債務，而欠債人之後只需要償還新債便可，方便管理債務之餘亦可達至明顯的慳息效果。

透過結餘轉戶計劃借來的貸款可否作其他用途？

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結餘轉戶貸款，與一般私人貸款可用用途有別，相對上會有較多限制。不論借貸金額及放款方式如何，借款銀行及貸款機構有權要求還款證明，確保借出款項是主要用來作還款之用途，甚至有部分銀行及貸款機構於批出貸款後，直接代貸款申請人清繳其現有卡數及/或貸款，申請人還款時可直接還予結餘轉戶的戶口。

不過，近年亦有銀行及貸款機構提供還款及套現並行的結餘轉戶計劃，讓申請人清數的同時能取得額外現金，以作不時之需。

因此，透過結餘轉戶計劃借來的貸款可以作其他用途，不過大前提是需要有相關文件（例如還款證明等），以證明申請用途主要用作償還現有卡數及/或貸款。

甚麼人適合申請結餘轉戶計劃？

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如果申請人無力償還高息卡數（只還最低還款額、拖欠於數或「卡冚卡」）或難以兼顧多筆債務（信用卡的卡數及/或其他貸款）或擔心因上述情況導致TU信貸評分下跌，可透過結餘轉戶清繳一切費用。由於結餘轉戶能夠集中處理欠款，可以一次過清還卡數，減低利息支出，無需管理所有卡數及/貸款的還款日，較易兼顧自身財政。此外，結餘轉戶亦可以避免信貸評級變低/差，甚至杜絕貸款及TU評級所帶來的惡性循環。

申請結餘轉戶需要提交甚麼證明文件？

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申請結餘轉戶需要遞交的文件與私人貸款差不多。不過，因結餘轉戶主要主要用於償還現有債務及/或卡數，故銀行或貸款機構有機會要求申請人提供現有貸款或卡數資料。

申請結餘轉戶時除了需年滿18歲，亦常見交齊所需文件，包括：

身份證明文件
個人入息證明
最近三個月的住址證明
最新一期的無抵押貸款或信用卡月結單
須轉戶的分期貸款協議書

除了透過親身、郵寄及電郵申請外，部份銀行及貸款機構也設有網上申請結餘轉戶的渠道。其計劃詳情、實際所需文件、申請流程均會按銀行或貸款機構，及申請人的財務狀況而異。申請前記得清楚了解銀行或貸款機構設立的要求，預備好所需文件，提高成功申請結餘轉戶的機會。

如果提前償還所有結餘轉戶計劃的貸款, 會否有罰款?

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這需視乎銀行及貸款機構而定。一般而言，於貸款後期，因提早還款所能節省的利息便相對較少，甚至有機會出現前者費用高於後者的情況。

貸款申請人如欲提早清還貸款，需先聯絡銀行或貸款機構查詢尚未償還的本金、可節省利息及提早清還貸款所支付的費用等，確保所有條件清晰無誤及作出比較後，才決定是否提前還款。然而，部分銀行或貸款機構則不受此限。即使申請人有意提前清還貸款，亦不會多收罰息或其他費用。例如天星銀行Airstar「貸款一筆清」，如申請人欲提前償還貸款，無需支付罰息或手續費；反之，星展銀行「貸易清」私人貸款則要求申請人提前償還貸款時，一併繳交本金餘額、未繳手續費、計算至下一個還款日的利息及提早清還行政費。

因此，作出任何決定前，最好向相關機構查詢清楚當中的條款，以免產生額外費用。

你可能感興趣的貸款資訊：清卡數貸款·債務重組

結餘轉戶是什麼? 對清卡數有幫助嗎?

結餘轉戶是指銀行及貸款機構透過批核一筆利息比信用卡利息較低的私人貸款，申請人透過借取結餘轉戶，清還信用卡結欠或其他較高息的貸款，即以一筆低息貸款取代一筆或同時多筆的高息貸款，將不同還款額和還款期的卡數及/或其他貸款整合在同一個貸款帳戶當中，以方便集中處理債務。結餘轉戶主要用於清還不同私人貸款和信用卡債務。因此，提供結餘轉戶的的銀行及貸款機構一般會要求申請人提供還款證明，甚或會把貸款金額直接存入客戶指定信用卡或貸款戶口。

更多資訊expand_more

結餘轉戶比較 2024 : 結餘轉戶計劃邊間好？結餘轉戶貸款計劃還款期、最高實際年利率及例子概覽

貸款產品	還款期	最高實際年利率	例子以HK$200,000貸款，還款期12個月為例（已約至小數點後兩個位）
安信結餘轉戶計劃	3至72個月	1.18%*	每月還款額低至HK$16,767；總還款額低至HK$201,200（以實際年利率1.18%，每月平息0.05%，0%手續費計算）
WeLab Bank 結餘轉戶貸款	長達72個月	1.68%	每月還款額低至HK$16,807；總還款額低至HK$201,680（以實際年利率1.68%，每月平息0.17%，0%手續費計算）
WeLend 結餘轉戶貸款	3至84個月	48%	每月還款額低至HK$16,917；總還款額低至HK$203,000（以實際年利率2.79%，每月平息0.13%，0%手續費計算）
Citi 卡數結餘轉戶	長達72個月	35.78%	每月還款額低至HK$17,047；總還款額低至HK$204,560（以實際年利率4.26%，每月平息0.19%，0%手續費計算）
UA 咭數一筆清	長達60個月	36%	每月還款額低至HK$16,818；總還款額低至HK$201,812（以實際年利率1.68%，每月平息0.08%，0%手續費計算）
天星銀行Airstar 貸款一筆清	6至72個月	35.81%	每月還款額低至HK$16,934；總還款額低至HK$203,211（以實際年利率2.99%，每月平息0.13%，0%手續費計算）
Mox Credit 卡數「即時清」	3至60個月	24.53%	每月還款額低至HK$16,967；總還款額低至HK$203,600（以實際年利率3.34%，每月平息0.15%，0%手續費計算）
富邦銀行「卡數清」私人貸款	長達72個月	32.88%	每月還款額低至HK$17,058；總還款額低至HK$204,697（以實際年利率4.39%，每月平息0.2%，0%手續費計算）
邦民低息結餘轉戶貸款	3至84個月	4.49*	每月還款額低至HK$17,067；總還款額低至HK$204,800（以實際年利率4.49%，每月平息0.2%，0%手續費計算）
livi 靈活貸「結餘轉戶」	3至72個月	4.52*	每月還款額低至HK$17,067；總還款額低至HK$204,800（以實際年利率4.52%，每月平息0.2%，0%手續費計算）
AEON「清數易」貸款	6至60個月	4.6*	每月還款額低至HK$17,067；總還款額低至HK$204,800（以實際年利率4.49%，每月平息0.2%，0%手續費計算）
渣打銀行結餘轉戶計劃	長達84個月	36%	每月還款額低至HK$17,083；總還款額低至HK$204,992（以實際年利率4.67%，每月平息0.21%，0%手續費計算）
星展銀行「貸易清」私人貸款	長達84個月	30.57%	每月還款額低至HK$16,907；總還款額低至HK$202,880（以實際年利率6.61%，每月平息0.12%，0%手續費計算）
恒生結餘轉戶私人貸款	長達72個月	6.77*	每月還款額低至HK$17,237；總還款額低至HK$206,848（以實際年利率6.77%，每月平息0.2%，0%手續費計算）
信銀國際 $mart Plus 分期貸款 - 結餘轉戶	12至72個月	35.68%	每月還款額低至HK$17,107；總還款額低至HK$205,280（以實際年利率7.19%，每月平息0.22%，0%手續費計算）
中銀分期「易達錢」- 結餘轉戶	12至72個月	17.61*	每月還款額低至HK$16,934；總還款額低至HK$207,202（以實際年利率8.81%，每月平息0.3%，0%手續費計算）

* 提供的訊息僅供參考，實際情況須根據不同情況而定，並以相關機構的決定為準。

圖表資料只供參考，因銀行貸款條件及息率等會因應市場變動而不時調整，詳細資料以銀行最新公布為準。

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結餘轉戶對信貸評級(TU)有什麼影響?

銀行或貸款機構會在處理客戶申請私人貸款或按揭時，向環聯索取客戶的信貸報告，從信貸評級(TU)來評估是否批核客戶的貸款申請。如果貸款申請人一直有尚未繳清的卡數及/或其他貸款，就會對信貸評級有負面的影響。

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結餘轉戶計劃對比一般貸款計劃有什麼優點?

簡化債務

透過結餘轉戶，將多筆債務合併為一後，只需要向申請結餘轉戶的銀行或貸款機構還款，減少忘記還款的機會，無需每月同時兼顧多筆還款及記住多個還款日，同時鎖定還款期內的利息支出，有利簡化個人財務。

此外，有部分銀行及貸款機構甚至會協助貸款申請人先清還相關卡數及/或貸款，申請人可直接向申請結餘轉戶的銀行或貸款機構還款，以減省還款步驟，是一般私人貸款無法提供的服務。

每一張信用卡、每一筆私人貸款，各有不同的還款日期、利率及還款額，持續借新貸款、債務漸多時，一來財政上難以兼顧，二來難以記住及管理所有還款日，導致逾期還款，增加財務開支。

多為還款而設

結餘轉戶與私人貸款的最明顯分別是前者以還款為目的，後者用途多變。部份銀行及貸款機構批出貸款後，會直接將款項存入貸款申請人之信用卡戶口或其他貸款戶口，暫時協助申請人還清現有卡數及/或貸款；也有銀行及貸款機會要求提供還款證明，以確保資金不會被用作其他用途。近年亦有銀行及貸款機構，容許結餘轉戶申請人同時還款，兼額外借一筆備用資金作其他用途。

貸款額較高

需要申請結餘轉戶貸款的人，可能已欠下一筆或多筆債務，因此結餘轉戶的貸款額比一般私人貸款高。而銀行及貸款機構考慮到貸款金額高所帶來的風險，亦會將貸款額與申請人薪金掛鉤，對如期還款之能力有一定的要求。

銀行及貸款機構的結餘轉戶貸款額可高達月薪的21倍或某個金額（以較低者為準）；而一般私人貸款之貸款金額可高達月薪的18倍。例如信銀國際$mart Plus分期貸款 - 結餘轉戶之貸款額可高達HK$200萬或月薪的21倍；而稅季貸款則是高達HK$200萬或月薪的18倍。即使是由同一間銀行或貸款機構，不同貸款產品之貸款額亦有所不同。

還款期較長

結餘轉戶的還款期最高可長達84個月，而一般私人分期貸款最長還款期則為60個月。例如Citi卡數結餘轉戶的最長還款期為72個月；而稅季貸款/特快現金貸款的最長還款期為60個月。由此可見，即使是由同一間銀行或貸款機構，不同貸款產品之還款期亦有不同。

因此，申請結餘轉戶時，可按個人財務需要及資金狀況，制定適合自己還款計劃，例如延長還款期以降低每月還款，或是透過較短還款期，盡快還清欠款及減少利息支出，達致如期償還貸款的目標，從而減低因延誤而被銀行或貸款機構罰款的情況。

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如何選擇合適的結餘轉戶計劃?

1. 留意有否額外收費
申請時，需要留意銀行貸款機構是否會收取手續費、提前還款費用及其他費用等，透過額外收費的須知，需考慮是否負擔額外收費才申請貸款

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結餘轉戶計劃有回贈或優惠嗎？經MoneyHero 購買申請結餘轉戶貸款計劃有什麼優惠？

部分銀行及貸款機構除了會提供比信用卡年息較低之年利率，亦會有額外的回贈及優惠，藉此吸引申請人借貸。

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MoneyHero熱門貸款產品還款期、最高實際年利率(APR)概覽

貸款產品	還款期	最高實際年利率	例子
邦民特快低息貸款	3 個月 - 84 個月	4.49%或以上，最高為48%	貸款HK$200,000，以實際年利率4.49%計，按36個月還款期計算，手續費全免，每月還款金額為HK$5,940；總還款額為HK$213,840
安信定額私人貸款	3 個月 - 72 個月	1.18%或以上，最高為48%	貸款HK$10,000、年息0.6%及還款期12個月計算，每月還款金額為HK$839，總利息支出為HK$68，總還款金額為HK$10,068
WeLend 私人貸款	3 個月 - 84 個月	1.88%或以上，最高為48%	貸款HK$240,000及還款期36個月，以實際年利率3.03%計，總還款金額為HK$251,189
DBS「貸易清」私人貸款	3 個月 - 84 個月	6.38%或以上，最高為30.57%	貸款HK$200,000及還款期48個月，實際年利率為10.42%計，已包括2% 貸款開立費，每月還款額為HK$4,967，總利息支出HK$38,416
UA「NO SHOW」私人貸款	3 個月 - 60 個月	1.68%或以上，最高為48.00%	貸款HK$10,000，以實際年利率30%計，6個月之分期貸款，每月還款額為HK$1,815，總還款額為HK$10,890
渣打分期貸款	12 個月 - 60 個月	1.85%或以上，最高為36%	貸款HK$200,000及還款期24個月，實際年利率為6.28%計，每月還款額為HK$8,873.33，總利息支出HK$12,960
信銀國際 $mart Plus分期貸款	12個月 - 72個月	1.65%或以上，最高為38.08%	貸款HK$200,000，分24個月還款，每年手續費為貸款金額的1% ，全期手續費HK$4,000，每月平息：0.129%，全期總利息為HK$6,192，實際年利率為5.03%
Citi 特快現金貸款	6 個月 - 60 個月	1.78%或以上，最高為35.78%	貸款額HK$3,500,000及還款期12個月計算，實際年利率低至1.78%
安信公務員及專業人士貸款	3 個月 - 72 個月	1.18%或以上，最高為48%	貸款HK$10,000、年息0.6%及還款期12個月計算，每月還款金額為HK$839，總利息支出為HK$68，總還款金額為HK$10,068
信銀國際 $mart Plus分期貸款 - 結餘轉戶	12 個月 - 60 個月	7.33%或以上，最高為38.08%	貸款HK$20,000，定額月費0.20%及還款期60個月計算，並已包括每年1%手續費，實際年利率為6.89%，每月還款額為HK$373
中銀分期「易達錢」結餘轉戶	12 個月 - 60 個月	5.93%或以上，最高為32.51%。	貸款HK$20,000，還款期24個月計算，並已包括每年1%手續費，實際年利率為10.01%，每月還款額為HK$9,173
建行「好現金」私人分期貸款	6 個月 - 60 個月	1.56%或以上，最高為13.00%	貸款HK$400,000，還款期60個月計算，每月還款金額HK$7,747
WeLend 清卡數貸款	3 個月 - 84 個月	1.88%或以上，最高為48%	貸款HK$360,000，還款期60個月計算，實際年利率為8.05%，總還款額為HK$422,578
安信結餘轉戶計劃	3 個月 - 72 個月	1.18%或以上，最高為48%	貸款HK$10,000、年息0.6%及還款期12個月計算，每月還款金額為HK$839，總利息支出為HK$68，總還款金額為HK$10,068。
AEON 「貸靈活」私人貸款	6 個月 - 60 個月	4.49%或以上，最高為36%	貸款HK$600,000，還款期為12個月，實際年利率為4.49%，利息總額為HK$14,400，而還款總額為HK$614,400。
恒生結餘轉戶私人貸款	6 個月 - 72 個月	6.68%或以上，最高為36%	貸款HK$150,000，還款期為72個月，實際年利率4.63%，貸款之總還款額為HK$171,604.80。
UA i-Money網上錢私人貸款	3 個月 - 60 個月	1.68%或以上，最高為36%	貸款HK$10,000，還款期6個月計算，實際年利率為30%，每月還款額為HK$1,815，總還款額HK$10,890
邦民特快低息貸款	3 個月 - 84 個月	1.12%或以上，最高為48%	貸款HK$200,000，以實際年利率4.49%計，按36個月還款期計算，手續費全免，每月還款金額為HK$5,940；總還款額為HK$213,840
CreFit 卡卡貸	3 個月 - 24 個月	1.98%或以上，最高為36%	貸款HK$200,000，還款期24個月，以實際年利率8%計算，每月還款額及全期利息金額為HK$9,019.33及HK$16,464.00

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熱門結餘轉戶比較: 清卡數之選及貸款獨家優惠

結餘轉戶計劃常見問題

為什麼結餘轉戶計劃能夠有效縮短還款期？

為什麼結餘轉戶計劃能夠節省到利息？

透過結餘轉戶計劃借來的貸款可否作其他用途？

甚麼人適合申請結餘轉戶計劃？

申請結餘轉戶需要提交甚麼證明文件？

如果提前償還所有結餘轉戶計劃的貸款, 會否有罰款?

結餘轉戶是什麼? 對清卡數有幫助嗎?

結餘轉戶比較 2024 : 結餘轉戶計劃邊間好？結餘轉戶貸款計劃還款期、最高實際年利率及例子概覽

結餘轉戶對信貸評級(TU)有什麼影響?

結餘轉戶計劃對比一般貸款計劃有什麼優點?

如何選擇合適的結餘轉戶計劃?

結餘轉戶計劃有回贈或優惠嗎？經MoneyHero 購買申請結餘轉戶貸款計劃有什麼優惠？

MoneyHero熱門貸款產品還款期、最高實際年利率(APR)概覽

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