臺中有朝代書：台中2胎房貸,外埔區二胎,二胎代書,外埔貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,外埔小額信貸,借錢指南,土地貸款,外埔建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,外埔民間二胎,台中小額貸款。
有朝代書借錢網-台中2胎房貸,土地貸款,只要您自有的房屋還有殘值、房屋坪數不限、屋齡不限、貸款遲繳、負債比過高、信用不良、無收入證明、無薪轉證明、土地持分、房屋持分以上均可辦理二胎貸款,新竹借錢,台中二胎借款,霧峰房貸轉增貸,桃園當舖,新竹房地二胎貸款,桃園二胎貸款,霧峰轉貸降息,買車換現金,彰化小額借款,台中融資借貸,霧峰二胎貸款,台中市快速借錢貸款平台！
銀行對房貸的保守態度，不只是一胎，連二胎房貸&信貸也是！除了考慮房屋殘值外，還會考慮申請人的信用狀況等，讓申貸房貸或增貸都很困難，明明房屋還有價值空間，但是卻因為信用評分不足或其他原因婉拒房屋二胎申請！
目前市面上有推出二胎房貸(二順位房貸)產品的銀行更是屈指可數！
銀行二胎房貸的選擇和方式
目前市面上可申請的二胎房貸(二順位房屋貸款)的銀行不是很多，有房貸寬限期的更是幾乎沒有，有辦理二胎的銀行包括：
日盛銀行（家值房貸）
永豐銀行
遠東商銀
凱基銀行
台新銀行
兆豐銀行 (兆豐富二貸)
國泰銀行
王道銀行
台北富邦（無二胎）
二胎房貸是什麼？（二順位房貸）？二胎房貸又稱為二順位房貸， 就是當該房屋先前已向銀行進行第一次房屋貸款後，用原房屋再向另一家銀行，進行對該標的殘值的二次抵押借款，房屋抵押貸款設定出現第2順位債權人，即為二胎房貸。
|
銀行
|
日盛銀行
|
永豐銀行
|
|
對象
|
20-65歲
|
20-65歲
|
|
額度
|
最高300萬
|
50萬
|
|
年利率
|
3.58%~12.99%
|
2.78%~5.42%(浮動)
|
|
開辦費
|
8000~15000元
|
5000~12000元
|
|
期限
|
最長10年
|
最長7年
|
|
限制
|
原房屋貸款須繳滿一年
|
銀行往來信用正常者
|
|
銀行
|
遠東銀行
|
凱基銀行
|
|
對象
|
20-65歲
|
20-60歲
|
|
額度
|
25~300萬
|
最高300萬
|
|
年利率
|
3%起
|
3%~5%(浮動)
|
|
開辦費
|
5000元
|
10000元
|
|
期限
|
最長7年
|
最長10年
|
|
限制
|
房屋已持有滿一年(需自住)並於金融機構有半年以上房貸繳款紀錄
|
房子持有二年以上且房貸已繳交一年以上，近一年無民間二胎或信託紀錄
|
|
銀行
|
台新
|
兆豐
|
|
對象
|
20-60歲
|
20-60歲，既有房貸戶(繳息三個月以上)
|
|
額度
|
最高300萬
|
2.75%起
|
|
年利率
|
3.5%~18%
|
2.75%起
|
|
開辦費
|
3000~12000元
|
3000~15000元
|
|
期限
|
最長10年
|
2-10年，期限加借款人年紀不超過70歲
|
|
銀行
|
國泰
|
王道
|
|
對象
|
20-64歲
|
原房貸繳滿一年
|
|
額度
|
20~150萬
|
最高350萬
|
|
年利率
|
2.5%~6%
|
4.50%起
|
|
開辦費
|
貸款金額1%
|
9000~15000元
|
|
期限
|
最長10年
|
最長15年
|
被銀行婉拒時，別灰心，改找有朝代書，額度高、速度快。
二胎房貸銀行利率&條件比較表
|
銀行
|
額度
|
年利率
|
年限
|
開辦費
|
|
日盛
|
300萬
|
3.58%~12.99%
|
10年
|
15000元
|
|
遠東
|
300萬
|
6~12%
|
7年
|
5000元
|
|
永豐
|
50萬
|
2.49%~ 4.69%
|
7年
|
12000元
|
|
凱基
|
300萬
|
3.8%~ 5.69%
|
10年
|
10000元
|
|
台新
|
300萬
|
3.5%~18%
|
10年
|
12000元
|
|
兆豐
|
200萬
|
2.75%起(浮)
|
10年
|
3000元
|
|
國泰
|
150萬
|
2.5%~6%
|
10年
|
15000元
|
|
王道
|
350萬
|
4.50%起
|
15年
|
15000元
|
有朝代書房貸部建議
1.上面的列表中，可看出目前有承作二胎房貸的銀行與條件，最低利率2.49%起與最長還款年限15年，最低手續費3000元…等，看起來相當誘人，但是過件率跟一胎房貸相差無幾，一樣很嚴格…看得到吃不到。
2.因為知道銀行的房貸審核嚴格，房貸部推出「有朝不動產二順位」，簡稱：代書二胎貸款、二胎房貸、二順位房貸、房屋二胎，優點整理如下：
(1)沒有銀行的嚴格審核
(2)額度比銀行更高(最高1000萬)
(3)還款年限最長7~10年
(4)沒有月薪22倍的限制
(5)不看工作收入證明
(6)不看負債比
(7)不看聯徵信用評分
3.銀行的利率低，但審核嚴格，尤其非常看重信用評分，信用好的人才有機會跟銀行辦到貸款，稍有瑕疵就是婉拒！當二胎申請不過時，通常申請「房屋增貸」或「轉增貸」也不會成功，其審核條件也會參考信用評分，一定要特別注意。
4.不管增貸或轉增貸被拒絕，一定要優先考慮「不影響聯徵中心信用評分」的貸款方式，才不會因為貸款借錢而讓財務更惡化！
5.有朝代書的二胎房貸，僅看房屋殘餘價值與房貸每月繳款紀錄是否正常，就算曾有信用不良紀錄、債務協商紀錄(須正常還款滿三年)、曾有民間私人設定紀錄…等，都能順利核貸且撥款，還款方式跟銀行一模一樣。
6. 最後提醒您，當選定了銀行就只跟同一家銀行接洽，不要同時詢問多家，會被銀行認定短期內密集借貸，不但借不到錢，還會在聯徵報告被註記，因此白白損失了寶貴的信用紀錄，是不智的選擇。
7. 如果銀行借不到錢，千萬不要直接找民間代辦(仲介)！請立刻來電或線上詢問，我們會給您最專業、最完整的理財評估及貸款建議。
Network Marketing is of course very popular because it can earn you lots of money in a very short period of time..
Тут можно преобрести продвижение сайта медицинской клиники seo-продвижение медицинских сайтов
There couple of fascinating points at some point in this post but I don’t determine if I see these people center to heart. There is some validity but I will take hold opinion until I investigate it further. Excellent write-up , thanks and then we want much more! Added onto FeedBurner in addition
Thank you for taking the time to line all this out for people like us. This kind of blog post ended up being extremely useful in my opinion.
Тут можно преобрести сео продвижение медицинского сайта продвижение сайта медицинского центра
1win зайти http://1win104.com.kg/ .
мостбет мобильная версия скачать http://www.mostbet34.com.kg .
1 win https://1win9.com.ng .
I quite like looking through an article that can make people think. Also, many thanks for allowing me to comment.
Тут можно преобрести продвижение медицинских услуг seo продвижение медицинских сайтов
Youre so cool! I dont suppose Ive read anything like this before. So nice to find any individual with some authentic ideas on this subject. realy thanks for beginning this up. this website is something that’s needed on the web, somebody with somewhat originality. helpful job for bringing one thing new to the web!
Found your site within the yahoo bulk shirts warehouse directory, very nice job, thanks. Screen printing could further be used for those types of other substrates from plastic to metal. Despite the fact that tiny and complex details can be gathered, screen printing is preferably suitable for bold and graphic designs.
Woah this is just an insane amount of information, must of taken ages to compile so thanx so much for just sharing it with all of us. If your ever in any need of related information, perhaps a bit of coaching, seduction techniques or just general tips, just check out my own site!
Hey there! I simply want to give you a big thumbs up for the excellent info you’ve got right here on this post. I am coming back to your site for more soon.
After I originally left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I receive 4 emails with the exact same comment. There has to be a means you can remove me from that service? Appreciate it.
Hi, I do think your web site could possibly be having internet browser compatibility problems. When I take a look at your website in Safari, it looks fine but when opening in Internet Explorer, it has some overlapping issues. I just wanted to give you a quick heads up! Other than that, great blog.
Everyone loves it when people get together and share ideas. Great site, keep it up!
This website was… how do you say it? Relevant!! Finally I’ve found something which helped me. Appreciate it.
This is the perfect webpage for anybody who wants to find out about this topic. You realize a whole lot its almost tough to argue with you (not that I really will need to…HaHa). You definitely put a fresh spin on a subject that’s been written about for ages. Great stuff, just great.
In 1928, Jeanie Dicks was a founder member and Honourary Secretary of the Hampshire EAW branch.
College of Michigan Deep Blue.
You should be a part of a contest for one of the most useful websites on the web. I am going to recommend this site!
I quite like reading a post that will make people think. Also, many thanks for permitting me to comment.
After I originally commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on whenever a comment is added I recieve four emails with the exact same comment. There has to be an easy method you can remove me from that service? Thanks.
Hey i Love your work i really appreciate that. Also take a look at our special Gym flooring dubai
There is certainly a lot to learn about this topic. I like all of the points you made.
casino 1 win casino 1 win .
casino en 1 win https://1win4.com.mx .
1 win casino 1 win casino .
I’m like a mechanic, mainly.
Whole timber sometimes must be eliminated by arborists, too, although it is a final resort.
Great blog you have got here.. It’s difficult to find high quality writing like yours these days. I seriously appreciate individuals like you! Take care!!
That is a very good tip particularly to those fresh to the blogosphere. Brief but very accurate information… Thank you for sharing this one. A must read post.
1win armenia http://1win13.am .
баланс 1win http://1win12.am/ .
1 win сайт http://www.1win11.am .
Your style is very unique compared to other folks I’ve read stuff from. Thanks for posting when you have the opportunity, Guess I’ll just book mark this page.
Would you mind basically if I mention any of your current articles or reviews on condition that I provide you with credit not to mention article sources returning to your web blog? My web sites is within the exact same area of interest as your site and my subscribers would certainly gain from several of the additional info you actually offer on this site. Please make sure to tell me if this is okay for you. Take care!
I love to visit your web-blog, the themes are nice.;,’-’
very good post, i undoubtedly enjoy this fabulous website, carry on it
I blog often and I seriously thank you for your content. This article has really peaked my interest. I’m going to take a note of your website and keep checking for new information about once per week. I subscribed to your RSS feed too.
I don’t think the title of your article matches the content lol. Just kidding, mainly because I had some doubts after reading the article.
Greetings! Very helpful advice within this post! It is the little changes that will make the greatest changes. Many thanks for sharing!
Oh my goodness! Amazing article dude! Many thanks, However I am going through troubles with your RSS. I don’t know why I cannot join it. Is there anybody getting similar RSS problems? Anybody who knows the solution will you kindly respond? Thanx.
I recently came across your blog and have been reading along. I thought I could leave my first comment. I don’t know what to say except that I have enjoyed scaning what you all have to say
Sweet blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Appreciate it
There couple of intriguing points soon enough in this article but I do not know if I see every one of them center to heart. There exists some validity but I will take hold opinion until I investigate it further. Good write-up , thanks therefore we want far more! Included in FeedBurner likewise
Excellent article. I am facing many of these issues as well..
1win rossvya https://www.1win103.com.kg .
1 win вход http://1win111.com.kg .