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2022 合法信貸方案比較：信用貸款利率 手續費和每月最低還款金額
「信貸」就是「信用貸款」，是銀行根據申貸人的信譽所發放的貸款。
因爲申請時不用提供任何抵押品，或是找第三方來當保證人，而是僅以申請人的信用作爲還款的保證，所以信貸也稱為「無擔保貸款」。
「信貸」就是「信用貸款」，是銀行根據申貸人的信譽所發放的貸款。
因爲申請時不用提供任何抵押品，或是找第三方來當保證人，而是僅以申請人的信用作爲還款的保證，所以信貸也稱為「無擔保貸款」。
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也因爲是無擔保的貸款，有較高呆帳風險，銀行一般會視申請人的收入是否穩定，以及個人的信用記錄，來作爲審核標準。
也因爲是無擔保的貸款，有較高呆帳風險，銀行一般會視申請人的收入是否穩定，以及個人的信用記錄，來作爲審核標準。
2022信貸最高可以貸多少錢？
銀行如何決定信用貸款的額度？
銀行會根據申請人的收入證明，還有所有未償還的信貸總額，提供上限為月薪的22倍的額度。例如月薪3萬塊的員工，貸款額度最高爲66萬。
2022什麼是信用貸款利率、總年費用百分率？
「信貸利率」一般是指銀行向申貸人收取的利息除以本金的比率。
但是實際上，申貸人除了要負擔信貸利率外，還需要支付手續費、多階段利率、開辦費用、帳務管理費、信用查詢費等等其他費用。
所以在看借款的真正成本，或比較不同貸款方案時，應該看的是「總費用年百分率」，才能將銀行所有收取的費用都算進去，顯示實際所支付的年利率，數值越大，貸款成本越高。
2022合法信貸比較
以下列舉了幾個10萬塊以下的小額信貸爲例，提供簡易的參考方向，實際貸款金額、利率、每期月付金和總費用年百分比，還是須依您實際申貸核准結果為主。
渣打銀行 繳稅貸
4.79 ~7.8 %
322元
1500 ~1676元
永豐銀行
數時貸
4.24~11.8%
666~9000元
1480~1580元
永豐銀行數時貸
4.24~11.8%
666~9000元
1480~1580元
永豐銀行數時貸
4.24~11.8%
666~9000元
1480~1580元
申貸後最快一天內撥款，利率前2期0.01%，第3期起2.36%~14.50%。
中國信託 Online貸
8.68~12.21%
9000元
1460~1590元
3萬以上即可貸，最快一小時撥款，首期一律0.01%、第2期起2.48%起。
匯豐銀行信用貸款
2.3~15.46%
0~9000元
1480~1671元
線上申請貸款，免列印、免郵寄，最快 1 天核貸，前 3 期 0.1%。
