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小額貸款 50 萬利率多少合理?每月還多少?最齊全方案比較試算一次看

最後更新於2023年12月1日

手頭資金稍微不足,想借款但又不想貸款太多怎麼辦?小額貸款或許是一個比較好的選擇!不過大家可能會好奇,小額貸款該和哪家銀行申請呢?透過這篇文章,我們要帶大家了解「小額貸款 50 萬」這類型的信貸方案利率區間為何?多少才合理?同時整理比較多家銀行提供的 50 萬小額信貸方案哪家優惠?另外再透過利息試算及整理手續費等費用,協助有需要的人可快速評估自身還款能力來選擇申請相對應的方案。現在就跟著 Money101 一起來了解吧!

🏆市場最優❗撥貸最高享7,000元禮券:渣打銀行Money101 限定專案➡️立即了解

🌟撥貸送現金2,000元樂天銀行樂天貸➡️立即了解

👍全網獨家申請手續費0元富邦銀行 Money101限定專案➡️立即了解

50 萬小額貸款方案比較

那麼如果有想申請 50 萬小額貸款該選什麼方案呢?我們透過表格整理出多家有提供 50 萬小額信貸的銀行資訊,以設定還款期 7 年(84 個月)為例,包括所推出的貸款方案中的最低利率、手續費、總費用年百分率(APR)、每月最低還款金額等,需要留意下方部分方案有一段式利率及二段式利率,詳細方案可點及官網申請看更多唷!

貸款50萬元月繳金額

貸款方案 月繳金額 總利息支出 貸款利率 總費用年百分率 手續費
渣打銀行 信貸稅季優惠
Money101 限定專案
Apply-Now
6,604元 53,398元 首期利率0.01%、第2期起為機動利率2.99%起 2.9% 0元
台北富邦銀行
Money101 限定專案
Apply-Now
6,512元 45,874元 首期利率0.01%,第2期起2.58%起 2.49% 0元
樂天銀行
樂天貸(分期型)
Apply-Now
6,373元 35,303元 一段式利率最低1.95%起 1.95% 168元
滙豐銀行 信用貸款
信用貸款
Apply-Now
6,504元 45,141元 首期利率0.01%、第2期起為機動利率2.54%起 2.46% 0元
中國信託
Online貸
Apply-Now
6,584元 51,740元 首期利率0.01%、第2期起為機動利率2.90%起 4.76% 3000元
凱基銀行 Money101限時專案
Money101限時專案
Apply-Now
6,379元 34,985元 首期利率0.01%、第2期起為機動利率1.98%起 1.91% 0元
製表:Money101

50 萬小額貸款利率多少才合理?

每個人申請信貸的利率結果都會不太一樣,由於銀行會透過個人的聯徵信用報告、職業、年收入、財力證明來進行審核,因此若出現同一個貸款商品但核貸時批出不同利率是很正常的現象,那麼到底 50 萬信貸利率落在多少才算合理呢?通常銀行會給予優質客戶 1.68%-5.4%;一般企業的正職員工約為 2.4%-11%;其它職業則是落在 6%-16% 之間,最終貸款利率還是要以銀行審核後的結果為準。此外,Money101 也有提供個人化信貸推薦平台,正在看文章的你如果有貸款需求的也能透過此平台進行比較,選擇最適合的方案。

閱讀更多:【信貸利率怎麼算?多少才合理?太高怎麼辦?兩大類別試算給你看】

50 萬信貸手續費/開辦費是多少?

由於申辦貸款的過程中,銀行會需要查詢貸款人聯徵信用資料,除了查詢費用外,亦會產生人事費用、手續費等,因為當貸款申請通過後,銀行通常會收取一筆手續費或開辦費,不過各家銀行有所差異,金額大概落在 3000 - 9000元這個區間當中,需端視各家銀行開出的優惠而定,有些銀行也會推出限時 0 元手續費優惠,建議有貸款需求的人可以多方查詢比較,以下是Money101幫大家整理目前有0元手續費優惠的信貸方案:

手續費/開辦費0元信貸推薦

貸款產品 最低總費用年百分率 最低年薪要求
凱基銀行
Money101限時專案
Apply-Now
1.91% 25萬元以上
渣打銀行 Money101 限定專案
Apply-Now
2.9% 28.8萬
富邦銀行 Money101限定專案
Apply-Now
2.5% 大於等於30萬元
滙豐銀行 信用貸款
Apply-Now
2.46% 30萬元以上
永豐銀行 數時貸
Apply-Now
2.19% 30萬元以上
台新銀行 大口貸
Apply-Now
1.85% 無規定
遠東商銀 遠銀Online隨時貸信貸
Apply-Now
2.1% 25萬元以上
製表:Money101

閱讀更多:【自己查聯徵會有紀錄嗎?聯徵紀錄怎麼看?免費查詢聯徵分數方式一次看】

50 萬信貸一個月繳多少?

了解完小額貸款 50 萬利率、手續費/開辦費後,那麼個人申請小額貸款 50 萬,一個月算下來要繳出多少月付金呢?月付金除了利率外,還要把貸款過程中會產生的費用也算進去。接下來我們以玉山新戶限定貸款方案為例,以貸款金額 50 萬、還款期數 84 期(7年)、手續費 3,000 元來計算,貸款利率首年為 1.98% 、第二年開始最低 3.48% 起、透過銀行貸款計算機計算後可以知道,第一年最低還款金額為 6,379元,第二年開始最低 6,668元,總費用年百分率 (APR)則為3.25%。

111222

(圖片來源:玉山銀行官網)

閱讀更多:【小額貸款利率試算 10萬、30萬、50萬每月要還多少?利息是多少?】

50 萬小額貸款利息試算 

看完小額貸款 50 萬一個月要還多少後,接著來看利息的部份,以永豐數時貸為例,貸款金額為50 萬小額貸款、還款期限 84 個月(7年),這邊我們運用 Money101 貸款計算機來計算,永豐數時貸最低總費用年百分率為2.19%,可以看到每月最低還款額為 6,426 元,總利息為  39,759 元,加上借款金額 50 萬,整個還款金額總計是 539,759 元。

333

閱讀更多:【無薪資收入證明要怎麼貸款?高效提升銀行小額貸款成功率方法看這邊】

精選 50 萬小額貸款推薦

渣打銀行 Money101 限定專案

渣打銀行 Money101 限定專案

最低貸款利率

0.01
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

 於活動期間內透過Money101指定活動頁面連結至渣打銀行申貸平台申辦指定信用貸款專案,成功撥貸(須於2024/1/31前完成撥貸)且撥款金額達新台幣30萬元以上(未達新台幣100萬元)並連續正常繳款達三個月(含)以上且未提前清償者,可享 Money101會員限定好禮「NT$3,000宜睿即享券」;金額達新台幣100萬元以上(含)並正常繳款達三個月(含)以上且未提前清償者,Money101會員可享會員限定好禮「NT$6,000宜睿即享券」或「Apple Airpods Pro 2」二選一,如為他行轉貸顧客,可再另享「NT$1,000宜睿即享券」。
更多資訊
隱藏資訊
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268等貸款條件計算而得。本總費用年百分率之計算基準日係依據活動專案適用起日之渣打銀行定儲利率指數調整日期訂定之,請詳閱渣打銀行官網定儲利率指數說明。\n<br>\n7.本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以渣打銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。\n<br>\n8.本貸款年利率依渣打銀行定儲利率指數(I)加碼機動計息,實際貸款利率及總費用年百分率亦將隨之變動,渣打銀行定儲利率指數調整時間為每年2/20、5/20、8/20、11/20,相關訊息請參閱渣打銀行網站說明。\n<br>\n9.本活動不得與其他優惠合併使用。\n<br>\n10.渣打銀行保留客戶資格認定方式、核貸額度、適用利率與核貸與否之權利,詳細之貸款申請注意事項及契約約定內容,以渣打銀行信用貸款申請書暨約定書為準。\n<br>\n11.渣打銀行另有其他無限制清償期間之貸款方案,詳細內容請洽渣打銀行各業務專員。\n<br>\n12.嚴禁代辦或行銷公司介入渣打銀行貸款。\n<br>\n13.本公司係提供各銀行貸款優惠比較資訊,恕不提供代辦服務,所有貸款申辦事宜請逕洽各銀行辦理。\n<br>\n14.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。\n<br>\n<b>限時優惠專案</b>\u000B\n<br>\n活動時間: 於2023/12/1~2023/12/31透過Money101官網或指定活動頁面連結至渣打銀行申貸平台申辦渣打銀行指定信用貸款產品。\u000B\n<br>\n活動辦法: 於活動期間內透過Money101指定活動頁面連結至渣打銀行申貸平台申辦指定信用貸款專案,成功撥貸(須於2024/1/31前完成撥貸)且撥款金額達新台幣30萬元以上(未達新台幣100萬元)並連續正常繳款達三個月(含)以上且未提前清償者,可享 Money101會員限定好禮「NT$3,000宜睿即享券」;金額達新台幣100萬元以上(含)並正常繳款達三個月(含)以上且未提前清償者,Money101會員可享會員限定好禮「NT$6,000宜睿即享券」或「Apple Airpods Pro 2」二選一,如為他行轉貸顧客,可再另享「NT$1,000宜睿即享券」。\n\n\n","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[{"key":"PL_OCCUPATION_PROFESSIONAL","display":"PL_OCCUPATION_PROFESSIONAL"},{"key":"PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY","display":"PL_OCCUPATION_WHITE_COLLAR_LISTED_COMPANY"},{"key":"PL_OCCUPATION_WHITE_COLLAR_FINANCIAL_INDUSTRY_COMPANY","display":"PL_OCCUPATION_WHITE_COLLAR_FINANCIAL_INDUSTRY_COMPANY"},{"key":"PL_OCCUPATION_WHITE_COLLAR_NON_LISTED_COMPANY","display":"PL_OCCUPATION_WHITE_COLLAR_NON_LISTED_COMPANY"},{"key":"PL_OCCUPATION_GOVERNMENT_EMPLOYEE","display":"PL_OCCUPATION_GOVERNMENT_EMPLOYEE"},{"key":"PL_OCCUPATION_SELF_EMPLOYED_OR_BUSINESS_OWNER","display":"PL_OCCUPATION_SELF_EMPLOYED_OR_BUSINESS_OWNER"},{"key":"PL_OCCUPATION_TEACHER_PRIVATE_SCHOOL","display":"PL_OCCUPATION_TEACHER_PRIVATE_SCHOOL"},{"key":"PL_OCCUPATION_MILITARY_PERSONNEL","display":"PL_OCCUPATION_MILITARY_PERSONNEL"},{"key":"PL_OCCUPATION_UNEMPLOYED_OR_RETIRED","display":"PL_OCCUPATION_UNEMPLOYED_OR_RETIRED"},{"key":"PL_OCCUPATION_STUDENT","display":"PL_OCCUPATION_STUDENT"},{"key":"PL_OCCUPATION_MANUFACTURE_WORKER","display":"PL_OCCUPATION_MANUFACTURE_WORKER"},{"key":"PL_OCCUPATION_HOTEL_RESTAURANT_WORKER","display":"PL_OCCUPATION_HOTEL_RESTAURANT_WORKER"},{"key":"PL_OCCUPATION_RETAIL_WHOLESALE_WORKER","display":"PL_OCCUPATION_RETAIL_WHOLESALE_WORKER"},{"key":"PL_OCCUPATION_SALES","display":"PL_OCCUPATION_SALES"},{"key":"PL_OCCUPATION_OTHER","display":"PL_OCCUPATION_OTHER"},{"key":"PL_OCCUPATION_DELIVERY_OR_TRANSPORTATION_WORKER","display":"PL_OCCUPATION_DELIVERY_OR_TRANSPORTATION_WORKER"}],"businessPriority":false,"productPrescore":34.66},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":12,"loanTenureMax":84,"loanAmountMin":10000.0,"loanAmountMax":6000000.0,"apr":2.9,"eir":null,"interestRate":0.01,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"開辦費"},"feeInterval":"ONCE","value":0,"calculationMethod":"FIXED","paymentMethod":"IGNORE","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null}],"fees":[],"defaults":{"loanTenure":84,"loanAmount":300000},"loanType":"PRINCIPAL_REDUCING","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"YEARLY","paymentInterval":"MONTHLY"}}, hs_created_at=1669950676628, hs_is_edited=false, hs_deleted_at=0, productname=渣打銀行 Money101 限定專案, hs_name=, hs_updated_by_user_id=60412388}})

滙豐銀行 信用貸款

滙豐銀行 信用貸款

最低貸款利率

0.01
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

2023/12/31前成功撥貸,Money101通路限定享綁約方案開辦費0元起
更多資訊
隱藏資訊
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</ul>"],"cons":[]},"eligibility":[{"type":{"key":"MINIMUM_ANNUAL_INCOME","display":"最低年薪要求"},"value":"300000","description":{"shortDescription":"30萬","longDescription":"","tooltip":""}},{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"18","description":{"shortDescription":"18歲","longDescription":"","tooltip":""}},{"type":{"key":"MAXIMUM_AGE","display":"最高年齡要求"},"value":"55","description":{"shortDescription":"55歲","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"活動注意事項:\n<br>\n1.本專案期間:2023年12月1日至2023年12月31日止(以滙豐(台灣)商業銀行(以下稱滙豐銀行)系統登載之收件日期為準)。滙豐銀行其他貸款專案如既有信貸轉增貸或即可貸個人信用貸款不適用本專案。\n<br>\n2.活動內容:活動期間透過Money101官網或指定活動頁面連結,至滙豐銀行線上預約諮詢頁面成功申辦個人信用貸款,不指定服務專員且持國內任一信用卡6個月以上。\n<br>\n3.<b>活動辦法:於2023/12/31前成功撥貸,Money101通路限定享綁約方案開辦費0元。</b>\n<br>\n4.除首期(以每一個月為一期)為固定利率外,本貸款利率係採滙豐銀行每季調整之優利型房貸指標利率加碼1.05%~14.50%機動計息。優利型房貸指標利率將公告於滙豐銀行各分行營業處所及網站(www.hsbc.com.tw),以供貸款人查詢。滙豐銀行得於通知貸款人後變更優利型房貸指標利率指數之構成標的、調整頻率及取樣期間。相關訊息請參閱滙豐銀行網站說明。\n<br>\n5.<b>本貸款總費用年百分率計算範例如下:貸款金額新臺幣 30 萬元。貸款期間:5 年。貸款利率:首期 0.01%,第2期起 2.54%~15.99% (按滙豐銀行優利型房貸季調指標利率加碼1.05%~14.50%,2023年9月15日滙豐銀行優利型房貸季調指標利率為1.49%)。開辦費:(1)綁約方案新臺幣0元; (2)不綁約方案新臺幣9,000元。總費用年百分率:(1)綁約方案:2.46%~15.39%; (2)不綁約方案:3.69%~16.78%。</b>\n<br>\n6.本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以滙豐銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。本總費用年百分率之計算基準日為2023年9月15日。\n<br>\n7.<b>本產品貸款期間最短3年。除約定分期攤還款項外,貸款人於本貸款撥款日起 18 個月內如提前清償部份或全部本金者,應依提前清償本金金額之4%(6 個月內)或3%(第 7-18 個月)支付提前清償違約金。(此提前清償違約金僅限綁約方案,若選擇不綁約方案,則無此限制。)</b>\n<br>\n8.滙豐銀行保留核貸與否及相關核貸條件之權利。各貸款產品適用對象及其他申請相關規定,請參閱滙豐銀行網站說明;貸款詳細約定以滙豐(台灣)商業銀行個人信用貸款申請書及約定書所載為準。\n<br>\n9.除法令另有規定者外,滙豐銀行得隨時修改、暫停、取消、終止本專案及/或本注意事項內容之權利。變動後之本專案相關內容將公布於滙豐銀行網站上。如有未盡事宜,悉依滙豐銀行其他約定條款及中華民國相關法令辦理。\n<br>\n10.滙豐銀行未委託任何代辦業者進行信貸行銷,如有信用貸款需求請撥滙豐銀行信貸諮詢專線提供服務02-6603-3001。\n<br>\n11.本公司係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。\n<br>\n12.本公司不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。","disclaimer":null,"requirements":{"criteriaDetails":[],"citizenship":[],"employmentType":null,"applicationConfirmationEmail":"","eligibleOccupations":[],"businessPriority":false,"productPrescore":0.0},"applicationProcess":[{"type":null,"data":""}],"needCategories":[],"offersFaq":null,"interestRate":null,"apr":null,"totalRepayment":null,"monthlyRepayment":null,"rawFunctionalPl":{"rateTableEntries":[{"loanTenureMin":0,"loanTenureMax":84,"loanAmountMin":100000.0,"loanAmountMax":8000000.0,"apr":2.46,"eir":null,"interestRate":0.01,"fees":[{"type":{"key":"PL_HANDLING_FEE","display":"開辦費"},"feeInterval":"ONCE","value":0,"calculationMethod":"FIXED","paymentMethod":"IGNORE","description":{"shortDescription":"","longDescription":"","tooltip":""}}],"transferRate":null}],"fees":[],"defaults":{"loanTenure":84,"loanAmount":300000},"loanType":"PRINCIPAL_REDUCING","repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null},"interestRateInterval":"YEARLY","paymentInterval":"MONTHLY"}}, 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台北富邦 Money101限定專案

台北富邦 Money101限定專案

最低貸款利率

0.01
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

【富邦信貸 x Money101限定專案】2023/9/15~2023/12/31內透過Money101行銷活動頁面申辦富邦信貸享雙重優惠:
  • 優惠一:首期利率0.01%
  • 優惠二:$0元
更多資訊
隱藏資訊
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樂天國際銀行 樂天貸(分期型) - 感謝祭

樂天國際銀行 樂天貸(分期型) - 感謝祭

最低貸款利率

1.95
%

手續費

NT$
168

參考撥貸時間

最快1天

優惠

【Money101通路限定】2023/11/7~2023/12/20未持有樂天國際銀行存款帳戶及貸款帳戶之新戶透過Money101官網或指定活動頁面連結至樂天國際銀行貸款申請頁面並輸入推薦碼MONEY666成功申辦樂天貸感謝祭一般分期型貸款(須於2023/12/31前完成撥貸) 並正常繳款達三個月(含)以上且未提前清償者,可享 Money101會員限定好禮「現金回饋NT$2,000元」。符合活動回饋資格者,樂天國際銀行將於2024/4/30前將現金回饋NT$2,000元匯入客戶於樂天國際銀行之原扣款帳戶。於樂天國際銀行執行回饋作業時,該筆貸款不得有結清,且不得有催收、逾期、協商、呆帳等情形或其他違反樂天國際銀行信用貸款契約之情事。樂天國際銀行存款帳戶不得為非正常狀態。倘發生前述情形,即喪失本活動資格。
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6.樂天國際銀行收到頭獎及貳獎得獎者完整之領獎文件後,於2024/03/30前將頭獎、貳獎及普獎之現金獎項匯入得獎者樂天國際銀行活期存款帳戶。執行獎項匯款作業時若已取消樂天國際銀行活期存款帳戶,一律視為自動放棄兌獎資格,事後不得再提出其他任何要求。 <br> 7. 本抽獎活動屬競技、競賽及機會中獎所得,得獎者若為中華民國境內居住之個人,其自樂天國際銀行獲得之機會中獎年度累積所得總額超過新臺幣1,000元(不含)者,樂天國際銀行將依相關法令列單申報主管稽徵機關,併入a中獎人個人年度綜合所得;若單筆獎項價值達新台幣20,010元(含)者,中獎人需自行負擔10%稅額,並配合樂天國際銀行辦理代扣繳相關事宜。樂天國際銀行依所得稅法第94-1條規定,得免填發各類所得扣繳暨免扣繳憑單予得獎者,若得獎者有需求時請另行提出申請。 <br> 8.本活動資格不得轉讓予他人。 <br> 9.樂天國際銀行保留隨時變更活動及資格之權利,若有未盡事宜,悉依樂天國際銀行相關規定。 <br> 10.中獎者同意樂天國際銀行得於官方網站上公布其部分姓名、身分證字號等個人資料。 <br> 11.活動期間每位客戶僅限獲獎一次。 <br> 12.樂天國際銀行保留變更或終止本活動之權利,如有任何變動,以樂天國際銀行網站之最新公告為準。</ul>"],"cons":[]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"最低年齡要求"},"value":"20","description":{"shortDescription":"20歲","longDescription":"","tooltip":""}},{"type":{"key":"MAXIMUM_AGE","display":"最高年齡要求"},"value":"65","description":{"shortDescription":"65歲","longDescription":"","tooltip":""}}],"offers":null,"enableCountdown":false,"enableFlipBanner":false,"termsAndConditions":"1.即日起~2023/12/20(含)前向樂天國際銀行申請「樂天貸感謝祭」貸款專案,享開辦費NT$168元優惠 (開辦費定價:新臺幣6,000元)(適用期間以樂天國際銀行系統登載之貸款申請收件日期為準)。\n<br>\n2.活動總費用年百分率說明:\n<br>\n(1).本活動揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以樂天國際銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同,總費用年百分率不等於貸款利率。貸款總費用年百分率約1.97%~15.65%。貸款金額: 30萬元。貸款期間:5年。貸款年利率: 1.95%~15.62% (機動計息) 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中國信託 Online貸月月抽9千元

中國信託 Online貸月月抽9千元

最低貸款利率

0.01
%

手續費

NT$
3,000

參考撥貸時間

最快1天

優惠

  • 【Money101通路限定】2023.12.1~2023.12.31(含)申辦中國信託信貸,且於2024.1.31(含)前成功撥貸並符合資格者(詳見活動注意事項第1點),可享 Money101會員限定好禮,撥貸NT 50萬(含)以上贈「LaPO無線充行動電源」,每人限回饋一次。
  • 【加碼抽好禮】申貸就抽NT18,888元家樂福禮物卡,線上自行完成申請+撥款再抽NT9,000元!
更多資訊
隱藏資訊
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(含)之前成功撥貸並依原專案開辦費(NT9,000元)計收者,即符合獲贈Money101通路限定開辦費回饋好禮,撥貸NT 50萬(含)以上贈「LaPO無線充行動電源」,活動期間內同一身分證號之申辦人每人限回饋一次。\n<br>\n(2)回饋方式及相關使用限制:開辦費回饋好禮將於2024.3.31前由中國信託銀行傳送簡訊至申辦人登錄於中國信託銀行之通訊手機號碼,以簡訊方式提供贈品兌換序號。本活動贈品不得要求更換、轉讓他人或折換現金,且兌換序號為不記名,一旦收取後,若有遺失或被竊,中國信託銀行不發給任何證明或補償。\n<br>\n(3)【Money101通路限定開辦費回饋好禮】領取方式:\n<br>\n請收取禮品簡訊並於2024/05/31前點擊簡訊的兌換連結至Money101官網,透過以下三步驟,即完成線上兌換。\n<br>\n步驟① - 選擇您想要的會員好禮\n<br>\n步驟② - 登入/註冊Money101會員之後,點選立即兌換\n<br>\n步驟③ - 收到兌換連結後,輸入密碼即可兌換/使用Money101通路限定加碼好禮-LaPO 多功能無線充行動電源(WT-03CM)(不挑色)\n<br>\n*請於2024/05/31 前至Money101網站兌換領取您的贈品, 逾期視同放棄兌領, 恕不補發。\n<br>\n*如遇產品斷貨、缺貨或其他不可抗力之事由,Money101得保留更換贈品之權利\n<br>\n(4)「Money101通路限定開辦費回饋好禮」領取平台由Money 101提供。若對於領取流程有疑問,請致電Money 101客戶服務專線 (02)2345-6566 (服務時間為週一至週五 09:00-18:00,例假日除外)。\n<br>\n(5)LaPO 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(共3名):客戶需於線上自行完成信貸申請及撥款,且該案開辦費實收9,000元,即可獲得1次抽獎機會,每人最多1次抽獎機會。中國信託銀行將以NT9,000元沖抵貸款本金,若該筆貸款帳戶餘額不足或已提前結清,將不另行退回。如有其他特殊優惠方案或活動,即不適用本優惠活動。\n<br>\n3.NT18,888元家樂福禮物卡中獎名單將於2024.01.22前公告於中信活動頁面,領獎截止日為2024.02.29,中獎人須配合填寫「領獎回執聯」並於領獎截止日前回寄至指定信箱,若填寫資料有誤、檢附資料不完整或未於指定期限內回覆,或有其他可歸責中獎人事由致無法核對中獎人資料之情事等,一律視為自動放棄中獎資格。贈品以實物為準,並由出貨廠商負保固之責,除商品瑕疵外,恕不提供選色、退換服務,贈品將於2024.03.31前寄出,請耐心等候。\n<br>\n4.依中華民國所得稅法規定,中獎金額達 NT20,000 元(含)時,中國信託銀行需先代扣繳機會中獎稅 10%,領獎人須先給付 10% 之稅金後,始得領取本項贈獎。當您於中國信託銀行年度累計所得之獎項金額超過 NT1,000 元時,中國信託銀行將依相關稅法規定寄發扣繳憑單,若中獎人未提供相關資料或未繳納應繳稅額導致兌換期限前未完成領獎手續等相關事宜者,即視為自動放棄中獎資格,事後不得再提出其他任何要求;如有其他未盡事宜悉依稅法相關規定辦理。中獎人參加本活動而需支付之任何稅捐係屬得獎者依稅法之規定所須履行之義務,概與中國信託銀行無關,倘有稅務法令適用之爭議者,概由領獎人自行向開徵機關提出申訴。\n<br>\n5.如有任何因為電腦、網路、電話、技術或不可歸責於中國信託銀行之事由,而使參加本活動者,所寄出或登錄之資料有遺失、錯誤、無法辨識或毀損之情況,中國信託銀行不負任何法律責任,參與本活動者或中獎者亦不得因此異議。\n<br>\n6.本活動之抽獎、中獎與兌換紀錄均以中國信託銀行電腦系統紀錄為準。中國信託銀行有權檢視各項交易及抽獎紀錄,若參加者有違反活動注意事項之行為或涉及不正當得利及非法行為,中國信託銀行除公告排除參與活動及兌領資格外,並對任何破壞活動之行為保留法律追訴權。\n<br>\n7.中國信託銀行保留修改、變更、終止本活動與替換其他等值獎項之權利,中國信託銀行得變更或終止活動內容,並於中國信託銀行網站上公告。若有其他未盡事宜,悉依中國信託銀行相關規定或解釋辦理。\n<br>\n8.家樂福禮物卡使用方式依禮物卡說明為準,無使用期限,恕不受理補發或折讓刷卡金或現金。\n<br>\n<b>《0.01%優惠專案注意事項》</b>\n<br>\n1.符合下列條件且認證通過之客戶可「免上傳文件」,中國信託銀行仍保留文件徵提之權利:\n中國信託銀行非數位存款戶或中國信託銀行貸款戶,申請中信軟體憑證並通過認證,並授權中國信託銀行透過財團法人金融聯合徵信中心介接使用公務機關資料,查詢財政部個人最新年度所得資料以及勞動部職業投保資料得免上傳收入文件。中國信託銀行往來留存之身分證換補領資訊為最新資訊,且客戶手動填寫資訊相符時,可免上傳身分證。\n<br>\n2.本專案期間自即日起至2023年12月31日(含)止向中國信託銀行申請 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多功能無線充行動電源(WT-03CM)注意事項:\n<br>\nQC/PD3.0雙協議快充,22.5W大功率快速充電\n<br>\n2種自帶線+雙口輸出+磁吸無線充電,最高支援五台設備同時充電\n<br>\n隱藏式手機支架,LED電量顯示,充電狀態顯示,90度旋轉收納插頭\n<br>\n全方位安全機制保護(過充保護、短路保護、電芯保護等多種保護)\n<br>\nBSMI認證/NCC認證/歐洲CE認證/美國FCC認證\n<br>\n產品在非人為因素下損壞提供一年保固(配件不在保固範圍內)\n<br>\n(6)中國信託銀行與贈品出賣人間並無代理、合夥關係或提供保證,申辦人對所兌換的商品有任何爭議,由贈品出賣商負責。除因商品瑕疵或於運送過程中損壞,恕不得要求退換貨,且退換貨僅限於同項商品。本活動贈品如遇贈品缺貨、斷貨或兌換完畢,中國信託銀行有權以其他等值商品代替,將以網站公告為準,不另行通知。\n<br>\n(7)本活動由中國信託銀行及 Money101共同主辦,主辦單位具有解釋、變更獎項內容或終止本活動優惠內容之權利,如因不可抗拒之因素,有權更換獎項為等值商品。\n<br>\n(8)除法令有特別規定者外,中國信託銀行保留核准與否以及隨時修改、變更或取消本活動及/或注意事項內容之權利。\n<br>\n<b>《抽獎活動辦法》</b>\n<br>\n1.活動期間即日起至 2023.12.31 止。\n<br>\n2.抽獎獎項:\n<br>\n-NT18,888元家樂福禮物卡 (共1名):客戶需於線上自行完成信貸申請,即可獲得1次抽獎機會,每人最多1次抽獎機會。\n<br>\n-月月抽NT9000元 (共3名):客戶需於線上自行完成信貸申請及撥款,且該案開辦費實收9,000元,即可獲得1次抽獎機會,每人最多1次抽獎機會。中國信託銀行將以NT9,000元沖抵貸款本金,若該筆貸款帳戶餘額不足或已提前結清,將不另行退回。如有其他特殊優惠方案或活動,即不適用本優惠活動。\n<br>\n3.NT18,888元家樂福禮物卡中獎名單將於2024.01.22前公告於中信活動頁面,領獎截止日為2024.02.29,中獎人須配合填寫「領獎回執聯」並於領獎截止日前回寄至指定信箱,若填寫資料有誤、檢附資料不完整或未於指定期限內回覆,或有其他可歸責中獎人事由致無法核對中獎人資料之情事等,一律視為自動放棄中獎資格。贈品以實物為準,並由出貨廠商負保固之責,除商品瑕疵外,恕不提供選色、退換服務,贈品將於2024.03.31前寄出,請耐心等候。\n<br>\n4.依中華民國所得稅法規定,中獎金額達 NT20,000 元(含)時,中國信託銀行需先代扣繳機會中獎稅 10%,領獎人須先給付 10% 之稅金後,始得領取本項贈獎。當您於中國信託銀行年度累計所得之獎項金額超過 NT1,000 元時,中國信託銀行將依相關稅法規定寄發扣繳憑單,若中獎人未提供相關資料或未繳納應繳稅額導致兌換期限前未完成領獎手續等相關事宜者,即視為自動放棄中獎資格,事後不得再提出其他任何要求;如有其他未盡事宜悉依稅法相關規定辦理。中獎人參加本活動而需支付之任何稅捐係屬得獎者依稅法之規定所須履行之義務,概與中國信託銀行無關,倘有稅務法令適用之爭議者,概由領獎人自行向開徵機關提出申訴。\n<br>\n5.如有任何因為電腦、網路、電話、技術或不可歸責於中國信託銀行之事由,而使參加本活動者,所寄出或登錄之資料有遺失、錯誤、無法辨識或毀損之情況,中國信託銀行不負任何法律責任,參與本活動者或中獎者亦不得因此異議。\n<br>\n6.本活動之抽獎、中獎與兌換紀錄均以中國信託銀行電腦系統紀錄為準。中國信託銀行有權檢視各項交易及抽獎紀錄,若參加者有違反活動注意事項之行為或涉及不正當得利及非法行為,中國信託銀行除公告排除參與活動及兌領資格外,並對任何破壞活動之行為保留法律追訴權。\n<br>\n7.中國信託銀行保留修改、變更、終止本活動與替換其他等值獎項之權利,中國信託銀行得變更或終止活動內容,並於中國信託銀行網站上公告。若有其他未盡事宜,悉依中國信託銀行相關規定或解釋辦理。\n<br>\n8.家樂福禮物卡使用方式依禮物卡說明為準,無使用期限,恕不受理補發或折讓刷卡金或現金。\n<br>\n<b>《0.01%優惠專案注意事項》</b>\n<br>\n1.符合下列條件且認證通過之客戶可「免上傳文件」,中國信託銀行仍保留文件徵提之權利:\n中國信託銀行非數位存款戶或中國信託銀行貸款戶,申請中信軟體憑證並通過認證,並授權中國信託銀行透過財團法人金融聯合徵信中心介接使用公務機關資料,查詢財政部個人最新年度所得資料以及勞動部職業投保資料得免上傳收入文件。中國信託銀行往來留存之身分證換補領資訊為最新資訊,且客戶手動填寫資訊相符時,可免上傳身分證。\n<br>\n2.本專案期間自即日起至2023年12月31日(含)止向中國信託銀行申請 (適用期間以中國信託銀行系統登載之貸款申請收件日期為準)。\n<br>\n3.前述利率係中國信託銀行分期型貸款產品,總費用年百分率為3.21%~14.87%,該年百分率係以貸款金額NT30萬元,貸款期間5年,貸款年利率首期0.01%、第二期起2.90%~14.98%(機動計息),開辦費NT3,000元,計算而得。本貸款總費用年百分率之計算基準日為2023年5月23日。\n<br>\n4.上述機動計息係指定儲利率指數加碼1.29%~13.37%而成,定儲利率訂價指數係參考臺銀、合庫、土銀、一銀、彰銀、華銀、臺灣企銀、國泰世華、兆豐國際商銀、台北富邦等十家本國銀行之一年期固定利率定儲平均利率為訂價指數,每次取樣時,排除最高及最低各兩家銀行,以剩餘之六家銀行為取樣銀行。調整時間為每年2月23日、5月23日、8月23日、11月23日。詳依「中國信託個人信用貸款約定書」之約定。\n<br>\n5.自借款撥款日起6個月內提前清償借款本金者,按提前清償借款本金金額4%計付提前清償違約金;自借款撥款日第7個月起至第12個月內提前清償借款本金者,按提前清償借款本金金額3%計付提前清償違約金。詳依「中國信託個人信用貸款約定書」之約定。\n<br>\n6.本廣告所揭露之年百分率係按銀行主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。\n<br>\n7.中國信託銀行保有核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格,申貸期限及其他相關規定之權利,相關內容以活動網站最新公告為準。\n<br>\n8.上述金額幣別皆為新臺幣。\n<b>《共通注意事項》</b>\n<br>\n1.本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 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hs_created_at=1669950676954, hs_is_edited=false, hs_deleted_at=0, productname=中國信託 Online貸月月抽9千元, hs_name=, hs_updated_by_user_id=60412388}})

永豐銀行 數時貸

永豐銀行 數時貸

最低貸款利率

0.01
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

首期為固定利率0.01%
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凱基銀行 Money101限時專案

凱基銀行 Money101限時專案

最低貸款利率

0.01
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

【Money101通路限定】 2023/12/01起至2023/12/31止,透過Money101官網或指定活動頁面連結至指定銀行申貸平台申辦,首期利率0.01%,開辦費最低0元起
更多資訊
隱藏資訊
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遠東商銀 遠銀Online隨時貸信貸

遠東商銀 遠銀Online隨時貸信貸

最低貸款利率

2.1
%

手續費

NT$
0

參考撥貸時間

最快1天

優惠

開辦費:0元起
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  1. 比較貸款擁有最短 2 個月至最長 7 年的各種貸款方案。
  2. 比較項目中的利率,是採用銀行在該貸款方案中提供的最低利率;每月還款額則是以該利率計算出的還款額。請您注意,因銀行利率在還款前後期間有所不同,因此Money 101是以該貸款方案期間最低利率計算得出最低每月還款額。
  3. 根據每個人的狀況不同,總費用年百分率可能從 1% 至 20% 不等。以下為借貸成本計算的參考案例:假設你貸一筆新台幣 300,000 元的款項,還款期為 60 個月,貸款利率前二期0.1%,第三期起2.99%~17.99%,帳戶管理費及票查費NT$3100~NT$6100,每月還款額為新台幣為5,013,而總費用年百分率則為3.22%~17.59%。

50 萬小額信貸常見問題 

50 萬貸款利率是多少?
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通常貸款利率會受到職業、年收入、聯徵狀況、還款能力、信用分數等因素之綜合評分結果而有所差異,通常銀行會給予優質客戶1.68%~5.4%;一般企業的正職員工約為 2.4%~11%;其它職業則是落在 6%~16% 之間。最終貸款利率還是要以銀行審核後的結果為準。 
小額信貸 50 萬每個月繳多少?
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如果想要試算貸款 50 萬平均每個月要繳多少的話,可以透過各家銀行貸款計算機算出大約數字,輸入貸款金額、利率、手續費等多種資訊就可得到大約數字,這篇文章我們也以玉山新戶限定貸款方案為例試算,貸款金額 50 萬、還款期數 84 期(7年)、手續費 3,000 元來計算,貸款利率首年為 1.98% 、第二年開始最低 3.48% 起、透過銀行貸款計算機計算後可以知道,第一年最低還款金額為 6,379元,第二年開始最低 6,668元,總費用年百分率 (APR)則為3.25%。
小額貸款 50 萬利息?
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利息部分我們拿永豐數時貸當作範例,貸款 50 萬、還款期限 84 個月,總利息計算後為 39,759 元,每月最低還款額為 6,426 元,不過實際利息仍要以銀行方案、最終核貸利率等才是最為準確的。

小額貸款 50 萬推薦哪些方案?
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如果打算申請小額貸款 50 萬,可以選擇玉山銀行 新戶限定貸款、渣打銀行 Money101 限定專案凱基銀行 Money101限時專案滙豐銀行信用貸款等,最低利率 0.01% 起,更多方案推薦也可參考內文 50 萬小額貸款方案比較。