Over what period should I choose to repay the loan?
我應該選擇多長的還款期？
The choice of repayment term will immediately affect your monthly repayment amount. You should balance the loan repayment term and the monthly repayment amount you can afford in order to ensure there will be enough money left for your daily living. A longer repayment term will help lower your monthly repayment amount, but the total interest paid will be higher. You should carefully determine your loan repayment term according to your financial capabilities. Citibank offers loan repayment terms from 6 to 72 months for Citi Card Debt Consolidation Loans and from 6 to 60 months for Citi Speedy Cash for added flexiblity. The approved loan repayment term is subject to the circumstances of individual cases. Please contact Citibank for further details.
由於還款期會直接影響每月供款額，所以選擇合適的還款期，便可確保每個月還款後，仍有能力應付日常開支。若選擇較長的還款期，減低每月供款之金額，負擔會較輕鬆﹔但相對所衍生的利息則較高，所以視乎您的負擔能力而選擇合適之還款期最為重要。Citibank卡數結餘轉戶之貸款提供6至72個月的還款期﹔Citibank特快現金之貸款額則提供6至60個月的還款期選擇更有彈性。但最終批核之還款期將視乎個別客人情況而有所調整，詳情請向花旗銀行查詢。