私人分期貸款
工銀亞洲
Intro
產品簡介
「工銀亞洲」的私人貸款。還款期12–60個月。月平息0.135%，實際年利率3.02%–5.72%。費用方面，手續費0%。提早還款方面，Early repayment before maturity: the Bank reserves the right to charge the fees and charges arising from an early full repayment (stated for cash-rebate customers)。
Fit
適合人群
- 想攤長還款期、減低每月負擔的人（最長60個月）
- 信貸狀況良好、想爭取低至3.02%實際年利率的借款人
- 希望豁免手續費的借款人
Key facts
關鍵事實
借貸成本
實際年利率
3.02%–5.72%
月平息
0.135%
手續費0% · Waived for the entire loan term (全期手續費豁免)
還款
還款期
12–60
Early repayment before maturity: the Bank reserves the right to charge the fees and charges arising from an early full repayment (stated for cash-rebate customers).
The fees and charges arising from early repayment, at the Bank's discretion.
No advance-notice requirement is published on this page; the related document 提前償還全數私人分期貸款之重要事項 carries the detailed early-settlement terms.
The page states no exceptions to the early-repayment charge.
金額
貸款額
待查證
生效日期
2026年9月21日
忠告：借錢梗要還，咪俾錢中介。
資料來源：ICBC Asia Personal Instalment Loan 最後更新： 資料以金融機構官方頁面為準，非投資或借貸建議。