20% off credit card loan offer application
If you transfer debt and become a new customer of K Cash, you can enjoy a 20% discount on the original loan interest rate. Which will help you save money and time. You can pay off the loan easily, improve your credit rating, and let you borrow another sum of cash immediately!
常常於貸款計劃中聽到「抵押品」、「有抵押貸款」、「無抵押貸款」等字眼,究竟有甚麼分別?
有抵押貸款,顧名思義,是指借款人/借款公司以資產用作抵押去申請貸款,最常見的抵押品是樓宇房屋,如私樓、唐樓、已補地價公屋居屋、村屋。另外,工廈商舖、寫字樓、車位及地皮等都可作抵押。一般來說,如借貸人無力還款,財務機構可接收抵押品以抵債,所以有抵押貸款對於財務機構風險較小,此類貸款的貸款額會比較大、還款期長及利率較低。
無抵押貸款是指不需要任何抵押品就可以申請貸款,常見的有私人貸款。借款人只需提供身份證、入息證明及住址證明等簡單文件,並根據信貸報告作審批。由於風險較大,財務機構批出的貸款金額往往較小,而利率亦較高。