臺中有朝代書:台中2胎房貸,大安區二胎,二胎代書,大安貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,大安小額信貸,借錢指南,土地貸款,大安建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,大安民間二胎,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。
Nice article, this really helped me out. Looking forward to more. Thanks again.
Bandartogel77
Excellent points, it gave me a fresh perspective. Hope you keep posting like this. Best regards.
Психолог 12 57
Quality product. Highly recommend.
Bk8
This excellent website truly has all of the information and facts I wanted about this subject and didn’t know who to ask.
Entrega super rápida e eficiente. Super confiável.
Excellent purchase. Recommend it to everyone.
High-quality product. Recommend!
Aw8
Really helpful, this really helped me out. Sharing with friends. Best regards.
Truly liked perusing this post. It’s very well-written and packed with valuable insight. Thanks for offering this.
This is wonderful! Filled with valuable information and extremely well-written. Many thanks for offering this.
Appreciated this article. It’s extremely detailed and filled with useful insights. Fantastic effort!
Genuinely liked reading this article. It’s highly well-written and filled with valuable insight. Many thanks for offering this.
An interesting discussion is definitely worth comment. I believe that you ought to write more on this subject, it may not be a taboo matter but typically people don’t talk about these subjects. To the next! Best wishes!
Great packaging. Loved it.
You’re so interesting! I do not believe I’ve truly read through a single thing like this before. So good to discover someone with a few unique thoughts on this issue. Seriously.. thank you for starting this up. This website is one thing that is needed on the web, someone with a bit of originality.
Exactly what I needed. Easy to use.
Really appreciated this post. It offered plenty of helpful details. Excellent work on composing this.
Good blog you have here.. It’s difficult to find high-quality writing like yours nowadays. I really appreciate people like you! Take care!!
Hi there! This blog post couldn’t be written any better! Looking through this article reminds me of my previous roommate! He always kept preaching about this. I’ll send this article to him. Fairly certain he’ll have a great read. I appreciate you for sharing!
Greetings! Very useful advice in this particular post! It is the little changes that will make the most significant changes. Many thanks for sharing!
Great post. I discovered the content very helpful. Loved the manner you explained the content.
Amazing product! Super satisfied with the results.
Hello there! I just would like to offer you a huge thumbs up for the excellent information you have got here on this post. I will be coming back to your site for more soon.
Highly effective. Perfect for those seeking quality.
Oh my goodness! Awesome article dude! Thank you, However I am having troubles with your RSS. I don’t understand the reason why I am unable to subscribe to it. Is there anybody else having identical RSS issues? Anyone who knows the answer will you kindly respond? Thanks!
Hello! I just wish to give you a big thumbs up for your great info you have got here on this post. I am returning to your site for more soon.
After looking over a few of the articles on your web page, I really like your technique of blogging. I book-marked it to my bookmark website list and will be checking back soon. Please visit my web site too and let me know your opinion.
Fantastic. Worth every minute. Worked very well.
I couldn’t agree more with this comment. It reflects a perspective I’ve seen before in various discussions on happyluke, which offers some great insights into this matter.
This is the right web site for anyone who really wants to find out about this topic. You realize a whole lot its almost tough to argue with you (not that I really would want to…HaHa). You definitely put a fresh spin on a subject that has been written about for years. Excellent stuff, just excellent.
I really like it when individuals come together and share ideas. Great blog, stick with it.
Very nice blog post. I definitely appreciate this website. Stick with it!
I totally agree with this statement. It mirrors a post I read on 88nn, where they provided a lot of useful information to support this viewpoint.
I used to be able to find good advice from your articles.
Really helpful, I learned something new today. Keep it up. Appreciate the effort.
Really helpful, exactly what I needed. Keep it up. Best regards.
I couldn’t agree more with this statement. I read something very similar on sp666, which provided even more context to support your argument.
I could not resist commenting. Very well written.
Really impressed! Exactly what I needed.