稅季期間，不少人選擇借稅貸交稅，讓資金更靈活，但也有人選擇借稅貸作其他用途，例如結婚費用、創業融資。以下便介紹稅貨特點和交稅以外的常見用法。
稅貸於交稅月份推出 有申請限期
先讓我們認識稅貸。稅務貸款 (Tax Loan) 是一項季節性貸款產品，通常在每年10月至翌年4月繳稅期推出，貸款額是稅額或月薪的倍數，以較低者為準。
稅貸的目的當然是幫助納稅人交稅。但近年很多稅貸產品已不再規定貸款用途，所以多了人申請作還卡數、周轉、結婚等各項需要。
Monthly Payment
HK$12,650
- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$303,600
- Total Interest Payable
- HK$3,600
- Monthly Payment
- HK$12,650
稅務貸款與私人貸款的分別
比起私人貸款，稅貸的貸款額一般較小，常見最高是申請人月薪的10–12倍，而私人貸款可達18–20倍。此外，稅貸尚有一些特點。
利息較低：稅貸的實際年利率通常約為2%-4%，利息較私人貸款低，配合推廣優惠可低至 1.33%，但還要視貸款額和還款期而定。
還款期較短：銀行的稅貸還款期一般為12至14個月，較私人貸款可達60個月短。財務公司則有提供60個月還款期。
Monthly Payment
HK$13,100
- APR*
- 4.64%
- Total Amount Payable
- HK$314,400
- Total Interest Payable
- HK$14,400
- Monthly Payment
- HK$13,100
稅貸其他用途：投資、結婚費用、裝修貸款、創業融資等
了解稅貨特色後，便不難理解申請稅貸其實也可用作與私人貸款類似的用途。
投資：投資需要的資金可大可小，一些大額投資如名牌手錶、古董、藝術品等，可嘗試以貸款支出。但要留意，以私人貸款去炒票、買窩輪，一般貸款機構知道後都不會批核。
找卡數：卡數按月計息，累積下來可達數萬元，因此某些卡主會以貸款還卡數來節省利息支出。
創業融資：合夥做生意，起步階段最需要資金周轉，貸款是常見的籌集資金方法。
結婚費用：結婚擺酒開支龐大，基本也要花HK$30萬至HK$40萬，借貸可令預算更充足。
裝修貸款：結婚要置業，入伙要裝修。借貸供樓未必獲批，轉作支付家居裝修也是選擇。
Monthly Payment
HK$8,873
- APR*
- 6.28%
- Total Amount Payable
- HK$212,960
- Total Interest Payable
- HK$12,960
- Monthly Payment
- HK$8,873
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傳統銀行如中銀、渣打、HSBC、Citibank 等及虛擬銀行也會在每年10月至3月推出稅季貸款，有意申請的人不妨貨比三家，找出最適合自己的稅貸。
Monthly Payment
HK$8,473
- APR*
- 1.78%
- Total Amount Payable
- HK$203,360
- Total Interest Payable
- HK$3,360
- Monthly Payment
- HK$8,473
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Monthly Payment
HK$8,493
- APR as low as*
- 0.65%
- Total Amount Payable
- HK$203,840
- Total Interest Payable
- HK$3,840
- Monthly Payment
- HK$8,493
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