結餘轉戶貸款 (Debt Consolidation Loan) 有時會被當作債務重組方案，甚至將它與破產聯想在一起，實則它只是一種貸款產品，適合一些「周身卡數」、要應付大額債務的人。本文即為讀者介紹結餘轉戶貸款意思、用途及比較不同結餘轉戶貸款方案。
結餘轉戶貸款意思是甚麼？
結餘轉戶貸款是銀行 / 財務公司提供的一種貸款方案，目的是將你現有的債務整合 / 合併 / 重組成單一債務，又稱為結餘轉戶私人貸款。結餘轉戶貸款針對無抵押債務，常見包括私人貸款、循環貸款及信用卡貸款等。如果牽涉的債務額較大，這種貸款可幫助降低利率和每月還款額，助你更快「清卡數」。
結餘轉戶貸款的實際年利率一般可做到2%至4％。而信用卡的逾期還款利率一般高達30%至40%。因此如欠債人欠下大量卡數或面臨債務危機，結餘轉戶貸款是有效的紓緩債務方案。
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
結餘轉戶貸款特色與私人貨款比較
因為結餘轉戶貸款是專為還款而設，所以它的特色和用途與一般私人貸款不同，但申請的流程大致和私人貸款差不多。
申請結餘轉戶貸款與申請私人貸款一樣，申請人需要：
- 年滿18歲
- 身分證明文件
- 個人入息證明
- 最近3個月或半年內的現居住址證明，如水電煤費單
另外，結餘轉戶貸款還需要：
- 最新的無抵押貸款或信用卡月結單
- 須轉戶的分期貸款協議書
結餘轉戶貸款 vs 私人貨款
| 貸款特色 | 結餘轉戶貸款 | 私人貸款 |
| 用途 | 以還款為目的、綜合卡數一筆清 | 裝修、婚禮開支、投資、創業等 |
| 年利率 | 低至2%至4% | 低至接近1% |
| 還款期 | 3至84個月，按欠債人能力調整 | 最多60個月 |
| 最高貸款額 | 月薪21倍 / HK$200萬 | 月薪18至23倍 / HK$300萬 |
結餘轉戶貸款最主要作用是將多筆債務合併為一，讓欠債人毋須每月同時兼顧多筆還款，可鎖定還款期內的利息支出、簡化個人財務，同時避免因要「債冚債」地借錢導致 TU 下降。但要留意的是，申請時銀行有權要求提供還款證明，以確保資金不會被用作其他用途。
Monthly Payment
HK$12,650
- APR*
- 1.12%
- Total Amount Payable
- HK$303,600
- Total Interest Payable
- HK$3,600
- Monthly Payment
- HK$12,650
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結餘轉戶貸款如何把各種債務合併？
結餘轉戶貸款是一筆金額龐大的貸款，數目大得足以償還現存所有無抵押債務。申請結餘轉戶貸款時，發債的銀行或財務公司會助你立即清還所有債務。部份銀行批出貸款後，會直接將款項存入借款人的信用卡戶口或其他貸款戶口，讓他 / 她的債務只剩下結餘轉戶一項。往後他 / 她便只需要在還款限期內、每月以固定金額逐步將這筆債務還清。
香港的結餘轉戶貸款的期限一般最多為72個月，個別機構可做到84個月。通常還款期越短，利率和每月須付金額就愈低，反之則愈高，不過實際情況是按欠債人的還款能力和信用評分而定。
Monthly Payment
HK$13,760
- APR*
- 10.01%
- Total Amount Payable
- HK$324,228
- Total Interest Payable
- HK$24,228
- Monthly Payment
- HK$13,760
以結餘轉戶貸款還清卡數例子
結餘轉戶貸款最常見的用途是一筆過還清所有卡數。假設你有兩張信用卡的卡數逾期未還，一張欠款HK$150,000，另一張欠款HK$200,000，總共需要償還的卡數為HK$350,000。假設兩間銀行的年利率同為30％，如每月只償還最低還款額，你需要花462個月、即38年6個月才能還清卡數，須付的利息為HK$887,048。
相反，如申請結餘轉戶貸款清還卡數，以3%年利率、分72期償還計，你須支付的利息只是HK$32,424，不但比還 Min Pay 更快還清，所付的利息也更少。
不同清卡數方式比較 (以HK$350,000卡數為例)
| 清卡數方式 | 假設年利率 | 還款期 | 每月還款 | 累計還款額 |
| 結餘轉戶貸款 | 3% | 72個月 | HK$4,552 | HK$382,424 |
| 最低還款額 | 30% | 462個月 | 欠款之4% | HK$1,237,048 |
| 定額還款 | 30% | 36個月 | HK$14,858 | HK$534,889 |
比較各款結餘轉戶貸款方案
認識到結餘轉戶貸款的用途後，接下來我們比較一下不同機構的結餘轉戶貸款方案。
Monthly Payment
HK$8,453
- APR as low as*
- 6.38%
- Total Amount Payable
- HK$100,000
- Total Interest Payable
- HK$1,440
- Monthly Payment
- HK$8,453
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From now until 5 June 2026, customers who successfully applied for a designated loan via MoneySmart and submit the required documents can enjoy HK$800 cash (automatically converted by 8,000 SmartPoints) directly deposited into your FPS account - regardless of approval!
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Monthly Payment
HK$8,754
- APR*
- 9.6%
- Total Amount Payable
- HK$105,052
- Total Interest Payable
- HK$5,052
- Monthly Payment
- HK$8,754
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Monthly Payment
HK$8,383
- The Lowest APR
- 1.18%
- Total Amount Payable
- HK$100,600
- Total Interest Payable
- HK$600
- Monthly Payment
- HK$8,383
Monthly Payment
HK$8,458
- The lowest APR
- 1%
- Total Amount Payable
- HK$101,500
- Total Interest Payable
- HK$1,500
- Monthly Payment
- HK$8,458
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From 1 June until 30 June 2026, customers who successfully applied for WeLend Card Debt Consolidation Loan via MoneySmart with loan size HK$200,001 or above, and submitted all the required documents, can enjoy HK$800 Apple Store Gift Card🍎 - regardless of approval!
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