Citibank Tax Loans Review Citibank : Compare Citibank Tax Season Loan Interest Rates and Limited-Time Offers
Compare Citibank tax loan plans and enjoy lower rates compared with personal loans in tax seasons!
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Citibank Tax Loan
| Citibank Tax Loan Plan | Annual percentage rate (APR) | Feature/Exclusive Offer |
|---|---|---|
| Citibank Tax Loan PlanCiti Tax Season Loan | Annual percentage rate (APR)As low as 1.4% | Feature/Exclusive OfferNew customer who successfully apply and drawdown Citi Tax Loan can get up to HK$12,000 vouchers |
Why Citibank Tax Loan?
Citi Tax Season Loan features same-day approval and next-day disbursement. Citibank offers as low as 1.38% Annualized Percentage Rate (APR) and HK$0 handling fee for its tax loan, which is one of the lowest rates tax loans in the market. The loan amount is up to 12x times of monthly salary or HK$2,000,000 (whichever lower) and customers can pay off the tax loan for up to 60 months.
Citibank Tax Loan VS Citi Speedy Cash
Customers can only apply for Citibank Tax Loan every year from October to December. It is a special time-limited product with a lower Annualized Percentage Rate (APR). Customers who successfully apply for Citi Tax Season Loan are entitled up to HK$6,000 cash coupon before 31 Dec 2019 while Citi Speedy Cash makes no such offers. Other than that, both Citi Tax Season Loan and Citi Speedy Cash are the same in repayment term, loan amount and handling fee. To reduce borrowing cost, if you want to borrow money to ease cash flow from October to December, it is better to apply for a Citibank tax loan.
Annual Percentage Rate (APR)
The annualized percentage rate is an index of borrowing cost calculated based on 365 days a year, taking interest and all related fees/charges into consideration. Customers can use APR as a yardstick for comparison. Not all loans are applicable to the ARP. The advertised Annualized Percentage Rate (APR) of as low as 2.01% is calculated based on a 0.09% monthly flat rate with HK$1,500,000 loan amount with a 12-month repayment period.
How to apply?
To apply for Citibank Tax Season Loan, applicants must be 18 years old or above Hong Kong permanent resident in full-time employment with the same employer for at least 3 months. The minimum salary requirement is HK$6000/ month. Applicants can apply through Citibank tax season loan hotline at +852 2963 6413 or through Citibank website. Proof of identity, income and residential address will be required.
Citibank Tax Loan Frequently Asked Questions
What should I consider before applying for a loan?
There are a number of things you should consider which includes Annualized Percentage Rate (APR), possible loan size, repayment period, fees, ease of application process and approval turnaround time.
What repayment period should I choose?
Don’t be tempted to think that the longer the better. A longer repayment term means lower monthly repayment amount, but the overall interest paid will be higher. It is important to ensure that there will be sufficient funds left for your daily expenses after paying off the debt each month when considering the repayment period.
How much should I borrow?
You should avoid excessive borrowing. The loan size doesn’t have to be a round number. Only borrow what you actually need.
What is an annualized percentage rate (APR)?
The annualized percentage rate is a reflection of borrowing cost calculated based on 365 days a year, considering all interest and other applicable fees/charges. Customers can use APR to compare the borrowing costs of different loan products.
What other costs are usually involved in borrowing money?
Handling fee, early repayment charge and late repayment charge are usually involved in borrowing money. But Citi Tax Loan offers handling fee waivers.
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