信用卡 欠下一大筆卡數，選用哪一種方法，才是最佳的還款方法呢？有人會建議使用信用卡分期，亦會有人建議用結餘轉戶。兩者之間，息率，手續費及最長還款期均有差異。接下來，MoneySmart即為大家比較，哪一種方法才是最適合大家清還卡數吧！
稅貸較信用卡分期更划算
每年10月至翌年4月交稅季節，銀行一般都會推出稅貸優惠，利息有機會較私人貸款低，故可說是借錢良機。
借低息稅貸周轉
如果大家最近需要周轉，或需要還清一筆卡數，哪應該如何找數呢？倘若大家以信用卡分期方式支付這筆卡數，手續費隨時逾0.25%。 但如果大家申請低息稅貸，先一次過償還這筆卡數，稅貸月平息一般少於0.2%，低於信用卡分期的每月手續費，這樣便能夠節省利息支出。
借低息稅貸還卡數
此外，倘若有高息貸款在身，大家也可考慮申請稅貸，先清還高息貸款。
稅貸的利息低於一般的私人貸款，能降低整體還款額。例如繳付信用卡Min Pay（最低還款額）之人士，由於Min Pay年利率高達35%，在利息不斷滾存下，自己更難一次過清卡數，債務只會愈來愈多。
如果大家申請低息稅貸，既可令自己盡快還清債務，同時亦可維持良好的個人信貸評級，對大家求職、申請按揭置業，甚有幫助。
稅貸利息或較低
其實在私人貸款當中，結餘轉戶計劃也可協助大家清還高息貸。但以利息計，稅貸會較低，因此借稅貸清還高息貸款，成本會低於結餘轉戶計劃。
不過，申請稅貸時，銀行會考慮大家的收入與負債比例，這可能影響批核的貸款額及利率。
如有興趣以稅貸清還卡數，可以查看稅貸利率哪一個較低？
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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貸款額大？宜用結餘轉戶
總結來說，如果大家需要較大的貸款額，那麼結餘轉戶計劃則會較適合，貸款額高達月薪21倍，還款期長達72個月，能夠攤薄每月還款額。
正考慮申請哪張信用卡？不妨先了解八達通自動增值信用卡或永久免年費信用卡，總有一款適合你所需！
Monthly Payment
HK$8,573
- The lowest APR
- 1%
- Total Amount Payable
- HK$205,760
- Total Interest Payable
- HK$5,760
- Monthly Payment
- HK$8,573
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