10 benefits of a personal loan
私人貸款的10大好處
There are no restrictions on how you use the fundsThis is perhaps one of the biggest advantages when applying for a personal loan. The money can be utilised at your discretion. So whether it’s a for a wedding, tuition fee, purchase of machinery, emergency medical treatment or vacationing, you decide how you want to use your funds.;2. No collateral is demandedFor unsecured loans, the issuer does not require any security in the form of collateral, prior to the disbursement of the funds. By contrast, for secured loans you would pledge your house, vehicle or land as collateral to the lender or financial institution. Failing to repay your secured loan could result in the financial institution seizing your collateral.;3. Easy documentationCompletion of the paperwork for a personal loan is pretty easy. In Hong Kong, you’d tender only proof of identity, residential address, and income in the typical personal loan application. If you’re applying for a personal loan online or via a web-based platform, all you need to do is upload a picture of each document, and complete the application.;4. Monthly repayments reduce financial burdenPersonal loans are designed so that you can make repayments in monthly instalments. This involves repaying a portion of the principal amount and the interest amount in simple portions. The lender does not expect you to pay off a large chunk of the loan in one go. Rather, the lender typically prefers you to predictably pay each instalment as per the agreed terms.;5. It’s more cost effective than credit card loansIt is commonplace to find people using credit cards. Obtaining a credit card loan deal is quick and easy but one drawback to its how expensive it can become. Failing to repay the credit card in full each month, interest rates on credit cards in Hong Kong can be well above 30%, excluding late fees and other administrative fees while personal loan offers can often go for as low as 2% per annum.;6. Fast processingMost personal loans in Hong Kong take less than two days to process. If the loan issuer has received your completed application and all the supporting documents, then a lending decision can be taken almost instantly. Your credit score and credit history would be further evaluated when your personal loan application is being reviewed. In addition to receiving your application at a branch office, some personal loan lenders may give you the opportunity of applying online via their website.;7. Quick disbursementPersonal loans come with quick turnaround time. An approved loan fund can be disbursed in less than a day or two. Existing customers of a lending institution stand a better chance of receiving the money faster. If your personal loan application is completed during the weekend or public holiday; the lender might not be in operation at the time of the submission. The application will then be processed the next business day. The disbursal of funds is dependent on full approval of the personal loan application as mentioned earlier.;8. Tenure flexibilityThe borrower is often given a range of one to six years to repay the loan; and can be further extended by some lenders. Tenure depends on the loan principal and interest rate. Make an effort to discuss tenure options with the lender so that a repayment plan that works for both parties is agreed.;9. Availability of top-up optionsSome lenders allow you to for a top-up on an existing loan deal. Let’s say you have a loan of $30,000 but need an additional $10,000. In such a scenario, you can request for a loan extension of $10,000 on the previously approved loan whilst maintaining the same interest rate. With this, you are not required to re-apply for a new loan; saving you a significant amount of time.;10. Availability of various loan typesA personal loan is not necessarily a standardised items with a pre-set framework. In truth, there are a plethora of personal loan deals available. There are some plans that are designed for certain industry professionals such as lawyers, doctors, engineers, and investors. Similarly government employees, housewives and students may also enjoy loan plans that charge very low-interest rates due to their specific characteristics.;At Lendela, we believe in finding innovative ways to simplify your personal loan application process by leveraging digital technology. We are brimming with confidence on the back of over 15 years of experience in helping connect consumers with the best credit providers in the Scandinavian region, channeling more than one million customers to over 30 well-established banks and lenders in the region, such as Santander, SEB & Swedbank.;We have mediated over 600,000 loan applications in South America, thanks in no small part to our partnerships with more than 30 established credit partners including Banco Pan, BV, Safra, Banco Maxima, Banco CBSS and Banco Ibi. We are also market leaders in Brazil and have been lauded for enabling customers to enjoy the best personal loans to fulfil their dreams.;
貸款用途不受限制這可能是私人貸款的最大好處。您可以自行決定如何使用這筆貸款，無論是花在計劃結婚、支付學費、購買影音、應付緊急醫療費用還是旅遊渡假，都不是問題，無人過問。;2. 毋須抵押申請人毋須提供抵押品或擔保人，就能直接過數。相比之下，抵押貸款需以房產、汽車等資產作為抵押品。如無法還清貸款，金融機構有權沒收抵押品或任何資產。;3. 簡單文件證明申請私人貸款遞交文件的步驟簡單！在香港，一般典型的貸款申請只需您提供身份證明、住址證明和入息證明。如果您在網上申請貸款，您只需把文件上載，就可完成申請。;4. 每月還款，減輕財務負擔私人貸款讓您可以按月分期還款，這包括償還部分本金和利息。貸款機構不期望您一次過還清大部分貸款，相反地更願意您按照約定的條款來分期還款。;5. 比信用卡借貸更實惠因信用卡的普及，許多人貪方便以信用卡透支現金，但此舉代價非常高昂。在香港，如果未能每月全額繳清信用卡欠款，過期還款的利息可能超過30%，還未計過期罰款和其他行政費用。然而，私人貸款的年利息可低至2%。;6. 申請快捷在香港申請私人貸款一般只需2個工作天的時間處理。如果借貸機構已經收到您填妥的申請表和所有證明文件，幾乎可以立即作出貸款決定。而網上申請亦提供了更快捷的申請方式。;7. 快速過數私人貸款的周轉時間很短，已批核的貸款一般可在1至2天內過數。貸款機構的現有客戶更有可能更快獲得資金。;8. 靈活貸款期您一般可選擇在1年至6年內還清所有貸款，而有一些貸款機構更可允許延遲還款日期。有需要時，您可與對方討論一個相方均同意的靈活貸款期，或其他可供選擇的方案。;9. 可增加貸款額某些貸款機構允許您日後再增加現有貸款額上限。假設您已申請了並獲得貸款額30,000港元，還款若干時日後，您需要額外10,000港元，您可嘗試要求在先前貸款中以相同利息申請增加額外10,000港元的貸款。如此，您不用重新申請貸款。;10. 貸款計劃選擇多市場上有大量不同的私人貸款計劃可供選擇。有些計劃是專為專業人士（如律師、醫生、工程師和投資者等）而設。同樣地，公務員、家庭主婦和學生也有對應其身份的不同低息貸款計劃。;借得la相信使用電子科技可以創新的方法來簡化申請貸款的程序，助您節省更多時間！我們在北歐地區擁有超過15年協助消費者與最佳供應商建立聯繫的經驗。我們已將超過100萬名客戶轉介至該地區20多間完善的銀行和貸款機構，包括Santander、SEB和Swedbank等。;我們在南美洲亦處理了超過60萬份的貸款申請，這很大程度上要歸功於與我們合作的30多間知名信貸合作夥伴，包括Banco Pan、BV、Safra、Banco Maxima、Banco CBSS和Banco Ibi等。我們更是巴西的市場領導者，讓許多客戶獲得最佳的個人貸款優惠，以助他們實現夢想！;;