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。
intelligentsolar.uk.com làm việc thiếu trách nhiệm và lơ là
Hand Sanitisers
hb88.xin giao diện hiện đại, dễ sử dụng trên cả điện thoại và máy tính
s666.qpon đội ngũ hỗ trợ 24/7, phản hồi nhanh chóng và chuyên nghiệp
Introducing to you the most prestigious online entertainment address today. Visit now to experience now!
uk88.boats bảo mật thông tin tuyệt đối, yên tâm khi chơi lâu dài
gk88.qpon nạp rút tiền siêu nhanh, xử lý chỉ trong vài phút
tron bridge
Very effective. Exceeded my expectations.
Absolutely, this perspective makes a lot of sense. It’s similar to what I read a while ago on 7fun7, and it helped me understand the issue much better.
I fully agree with your statement. I recently came across a post on k8cc that covered this topic in detail, and I believe their perspective aligns well with yours.
kl9966.com quảng cáo chen ngang, gây gián đoạn khi trải nghiệm
goltogel login
hay88.deal chương trình khuyến mãi mập mờ, dễ gây hiểu lầm
I really love your website.. Very nice colors & theme. Did you make this amazing site yourself? Please reply back as I’m hoping to create my very own site and would like to know where you got this from or just what the theme is named. Thank you.
togel4d login
artistoto
Worth every penny. Would buy again.
I couldn’t resist commenting. Well written!
totojitu
Your style is really unique compared to other folks I have read stuff from. Thanks for posting when you’ve got the opportunity, Guess I’ll just book mark this blog.
Excellent article. I am going through many of these issues as well..
Dolantogel
There is certainly a great deal to know about this topic. I love all of the points you have made.
Hello there, I think your web site might be having internet browser compatibility problems. When I look at your web site in Safari, it looks fine however, when opening in Internet Explorer, it has some overlapping issues. I merely wanted to provide you with a quick heads up! Apart from that, excellent website.
I like it when individuals get together and share opinions. Great blog, stick with it!
Mariatogel
This is a topic that’s close to my heart… Cheers! Exactly where are your contact details though?
Mariatogel
Howdy! I just want to give you a huge thumbs up for your great information you have got here on this post. I am coming back to your website for more soon.
555w.in đội ngũ hỗ trợ khách hàng nhiệt tình, phản hồi nhanh chóng 24/7
hay88.deal không cập nhật game mới, nội dung nhàm chán
Hello! I could have sworn I’ve been to this website before but after browsing through a few of the posts I realized it’s new to me. Anyways, I’m definitely delighted I came across it and I’ll be book-marking it and checking back often.
Spot on with this write-up, I honestly believe that this amazing site needs a great deal more attention. I’ll probably be returning to read more, thanks for the info!
Incredible attention to detail, made our place spotless in no time. This is our go-to service now. Thanks so much.
When I initially left a comment I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I get 4 emails with the exact same comment. Perhaps there is a means you can remove me from that service? Cheers.
Bosstoto
Wonderful entry. It’s very articulate and full of useful insight. Many thanks for providing this information.
Loved this article. It’s extremely detailed and packed with useful details. Excellent effort!
xoso66.uk thường xuyên bị lỗi khi đang xem kết quả trực tiếp
This article is fantastic! Filled with helpful information and extremely well-written. Thank you for sharing this.
Superb cleaning job, transformed our home completely. This is our go-to service now. You guys rock.
I think you’ve made a solid argument, and it’s something I’ve also read about on tim88. They offer a comprehensive analysis of this subject too.
I couldn’t agree more. This aligns perfectly with a viewpoint I came across on tim88. The article there also explained why this issue is so significant.
I can definitely see the logic behind your point of view, and it aligns closely with an article I recently read on Tin 88. It adds even more perspective to this discussion.
I totally agree with this comment. It’s a view that I’ve come across on Tin88, and I think it’s one worth paying attention to, given the solid arguments behind it.
https://houmonkango-hinode.com/2019/08/05/post-473/
Move-ready cleaning excellence, got our deposit back completely. Essential service for NYC moves. Moving made easier.
https://www.elshrq.com/2021/06/D988D8B2D8A7D8B1D8A9-D8A7D984D8B5D8ADD8A9-D8AAD8B9D984D986-D8A7D984D8A8D98AD8A7D986-D8A7D984D98AD988D985D98A-D984D981D98AD8B1D988D8B3.html
I think this is a very valid point. I read a similar article on Tin88 that provides more context on this, and it helped me think about it from a different angle.