顧名思義,「無抵押貸款」意思是申請貸款時無需提供任何抵押資產即可申請貸款;相反,「抵押貸款」就需要貸款申請人提供部分財產予債權人作抵押方可以完成借貸申請。現實生活中,一般常見被視為可用作「抵押貸款」的資產有不動產,包括住宅樓宇、工商舖位或土地等、另有股票、期票、債券、本票至或人壽保單也可被視為有效的「抵押貸款」,而公司企業的設備包括機械設備、客戶的應收賬項、原材料、在製品及製成品也可用於「抵押貸款」。
「抵押貸款」的優勢是一般獲批貸款金額較大,動輒可達數百萬,但淨係睇以上文字都想像到申請手續有幾繁複。如果要快要簡單,而且根本無需如此龐大的貸款額,「無抵押貸款」就啱晒你:就以X Wallet為例,貸款無需遞交任何文件,只需要身份證及銀行卡,再填寫簡單資料即可申請,再以A.I.結合大數據審批,5秒即知結果,全港最快!完成批核即時FPS過數到你指定銀行戶口,整個流程最快5分鐘完成,全程無需現身。
相比傳統銀行或其他財務公司,審批時間一般需要數個工作天,而且他們對自僱人士、自由工作者或收入不穩定人士亦會較為審慎,往往未必能批出貸款。對比各種因素下,不難理解為何X Wallet能逐漸成為市場上「無抵押小額貸款」的領導者。
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忠告:借錢梗要還,咪俾錢中介
放債人牌照號碼:1064/2022
投訴熱線:2531 0333
欲知更多有關Zero Finance或X Wallet之資訊及貸款服務,歡迎致電客戶服務熱線 2531 0333,WhatsApp 2531 0331 或瀏覽官方網頁 : https://www.zerofinance.hk/。
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Warning:
You have to repay your loans. Don’t pay any intermediaries.
Money Lender’s License: 1100/2023
Money Lender’s License: 0807/2023
The above companies are wholly owned sebsidiaries of Termbray Industries International (Holdings) Limited (Stock Code: 0093)
Warning:
You have to repay your loans. Don’t pay any intermediaries.
Money Lender’s License: 1100/2023
Money Lender’s License: 0807/2023
The above companies are wholly owned subsidiaries of Termbray Industries International (Holdings) Limited (Stock Code:0093)
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The minimum and maximum repayment period is 12 months and 72 months respectively.
The Minimum annual percentage rate is 12% and maximum annual percentage rate is 48%
A representative example of total cost for a loan below is for reference only:
Loan mount:HK$10,000
Monthly instalment of HK$889 for 12 months
Monthly interest rate: 0.55%
Annual interest rate: 12%
Total repayment amount: HK$10,688
According to user Lynn’s sharing, briefly describe her loan information:
The shortest repayment period starts from 61 days and the longest is 48 months.
Effective annual interest rate: 8%
Interest rate: 0.67% monthly
Loan amount: $15,000
A 48-month installment loan with a monthly repayment: $50
Total repayment: $17,400
The above loan-related fees are for reference only
Actual annual interest rate is from 8% to 48% as maximum.
According to user Lynn’s sharing, briefly describe her loan information:
The shortest repayment period starts from 61 days and the longest is 48 months.
Effective annual interest rate: 8%
Interest rate: 0.67% monthly
Loan amount: $15,000
A 48-month installment loan with a monthly repayment: $50
Total repayment: $17,400
The above loan-related fees are for reference only
Actual annual interest rate is from 8% to 48% as maximum.