有關稅貸的問題

Banks have complicated the interest calculation of loan. Some claimed no interest charged but there are handling fee and some imposed 1% insurance charge upfront. I suggest you to use simply calculation by using
(total amount to be paid - borrowing amount)/borrowing amount
to work out the actual additional fee/interest charge of your loan per annual.

My recent research find (Hang Seng Bank & Citibank) that the rate (using the methodology mentioned above) is around 5.xx %, you can use it as reference. The advertisement of Wing Hang claimed to be the lowest in the market and you can check it out.

The above is applied to my borrowing amount only (below 100,000).

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