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可否提早歸還部份或全部欠款 ?
欠款人可隨時繳付額外還款,從而縮短還款期數或減少每月還款數目。

但如於首六期(月)内清還全數貸款結餘,需繳付行政費用HK$1,000,或未還總貸款額之1%,以較高者為準。

此舉可向會計主任提出辦理。

如何計算每期還款數目 ?

還款金額/貸款利息簡表(每$1,000計算)

期數 6 12 18 24 30 36 42 48
每期還款 174 89 61 47 39 33 29 26

註 1. 每期還款額及第一期利息將視發放貸款日期而調整。
註 2. 最後一期還款額一般會較早期為少。
 

貸款利息怎樣計算 ?
每月徵收利息為未還款額和貸款的所有費用總額計算的百份之一(月息1%),以每$1,000計算,還款金額及利息如下:

期數 6 12 18 24 30 36 42 48
每期還款 174 89 61 47 39 33 29 26
共付利息 35 66 98 130 161 197 232 268
註 1. 每期還款額及第一期利息將視發放貸款日期而調整。
註 2. 最後一期還款額一般會較早期為少。
 

為何每年四、五月間才是提取儲蓄的最合適時間 ?
因本社的財政年度由每年4月1日至翌年3月31日。所以,於是四、五月間所提取的儲蓄,是不會影響上年度之派息。此外,股息以零存整付存款方式計算,在社員周年大會通過董事會的派息建議後,一般會作社員存款,撥入五月份儲蓄賬項。

 

 
 
 
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