臺中有朝代書：台中2胎房貸,清水區二胎,二胎代書,清水貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,清水小額信貸,借錢指南,土地貸款,清水建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,清水民間二胎,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。
Everything is very open with a clear clarification of the issues. It was truly informative. Your website is very helpful. Thank you for sharing!
If not, Crew Lannister tosses again fallen kubbs to the Stark aspect and another spherical begins.
I really like it when individuals get together and share views. Great site, continue the good work.
กินอะไรก็กิน แต่ชอบกินหีหมา และต้องเป็น หีหมาทอดกรอบ หีที่อร่อยกว่าหีทั่วไป
Very good information. Lucky me I found your site by chance (stumbleupon). I’ve saved as a favorite for later.
I could not resist commenting. Perfectly written.
Hello! I could have sworn I’ve visited your blog before but after looking at many of the posts I realized it’s new to me. Anyhow, I’m definitely pleased I discovered it and I’ll be bookmarking it and checking back frequently.
An outstanding share! I have just forwarded this onto a colleague who had been doing a little research on this. And he actually bought me lunch simply because I found it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending time to talk about this subject here on your site.
This site was… how do you say it? Relevant!! Finally I’ve found something which helped me. Thanks a lot!
Some contain making quick, regular checkups on tools, while others involve merely being conscious of your car’s specific towing capabilities.
สล็อตออนไลน์ ไม่ผ่านเอเย่นต์ สล็อตเว็บตรง เว็บแท้ลิขสิทธิ์หนึ่งเดียว มาตรฐานระดับสากล
เว็บสล็อต ที่เชื่อถือได้ รับประกันความปลอดภัยต้องที่ สล็อตเว็บตรง เท่านั้นในปี 2025
Gold Plated 786 Pendant Necklace brings a timeless charm with its stunning design.
Very good post. I certainly appreciate this site. Keep it up!
An impressive share! I have just forwarded this onto a co-worker who has been conducting a little research on this. And he in fact ordered me dinner because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending the time to talk about this issue here on your site.
Everyone loves it when people come together and share views. Great site, continue the good work.
Some really interesting details you have written. Aided me a lot, just what I was looking for : D.
You need to be a part of a contest for one of the most useful sites on the internet. I most certainly will recommend this site!
Hey mate, .This was an excellent post for such a hard subject to talk about. I look forward to seeing many more excellent posts like this one. Thanks
Hello! I could have sworn I’ve visited this blog before but after going through a few of the posts I realized it’s new to me. Anyways, I’m certainly delighted I came across it and I’ll be book-marking it and checking back regularly.
Your good competence and kindness in maneuvering everything was essential. I do not know what I would’ve done if I had not encountered such a subject like
I couldn’t resist commenting. Very well written.
To study more about Asian-impressed bathroom design, see the subsequent part.
Some could be just a little stubborn at instances lol.
Very good post! We will be linking to this great post on our website. Keep up the good writing.
I would like to show thanks to you just for rescuing me from this particular matter. Just after checking throughout the the web and getting notions that were not powerful, I figured my life was done. Living without the approaches to the problems you have sorted out as a result of your guideline is a critical case, as well as ones that would have badly affected my career if I hadn’t noticed your web blog. Your main natural talent and kindness in controlling all the details was invaluable. I don’t know what I would have done if I hadn’t come upon such a solution like this. It’s possible to now relish my future. Thanks very much for this specialized and amazing help. I will not think twice to recommend your site to any person who would need assistance about this topic.
Greetings! I’ve been reading your weblog for a while now and finally got the bravery to go ahead and give you a shout out from Lubbock Texas! Just wanted to mention keep up the good job!
สล็อตออนไลน์ไม่ผ่านเอเย่นต์ แตกหนักทุกเกมต้อง สล็อตเว็บตรง ที่ได้การยอมรับว่าเป็นเว็บสล้อตมาตรฐานระดับสากล
เว็บสล็อตไม่ผ่านเอเย่นต์ ฝากถอนไม่มีขั้นต่ำ นำเข้าเกม API แท้ สล็อตเว็บตรง แตกหนักทุกค่ายเกมสล็อตทั่วโลก!
เว็บสล็อตที่ดีที่สุดตลอดกาล เว็บตรง มั่นใจปลอดภัย 100
May I simply say what a relief to find someone that actually understands what they are talking about on the web. You definitely understand how to bring an issue to light and make it important. More people must check this out and understand this side of your story. I was surprised that you are not more popular because you certainly have the gift.
Greetings! Very useful advice in this particular post! It is the little changes that will make the largest changes. Thanks a lot for sharing!
bookmarked!!, I love your website!
Very interesting subject , appreciate it for putting up.
Great goods from you, man. I’ve understand your stuff previous to and you’re just extremely wonderful. I actually like what you have acquired here, certainly like what you are stating and the way in which you say it. You make it enjoyable and you still care for to keep it sensible. I can’t wait to read much more from you. This is actually a wonderful web site. xrumer
After looking into a handful of the articles on your website, I truly appreciate your technique of blogging. I bookmarked it to my bookmark webpage list and will be checking back soon. Take a look at my website too and let me know your opinion.
This website really has all the information and facts I needed concerning this subject and didn’t know who to ask.
I am glad to be a visitor of this staring weblog, thanks for this rare info!
Youre so cool! I dont suppose Ive read anything this way before. So nice to seek out somebody with many original ideas on this subject. realy we appreciate you beginning this up. this amazing site is something that is needed online, somebody with a bit of originality. valuable project for bringing a new challenge to your internet!
Hello there! I just would like to offer you a huge thumbs up for the excellent info you’ve got here on this post. I am coming back to your site for more soon.
Everything is very open with a really clear description of the issues. It was really informative. Your site is very useful. Many thanks for sharing.
Good day! I just wish to offer you a huge thumbs up for the excellent info you have here on this post. I will be coming back to your website for more soon.
People: LeBron James is nowhere near the competitor that Michael Jordan was. Quit comparing the two.|whereishawkins|
This website was… how do I say it? Relevant!! Finally I have found something which helped me. Kudos!
You’ve made some decent points there. I looked on the web for additional information about the issue and found most individuals will go along with your views on this web site.
Everything is very open with a very clear clarification of the issues. It was truly informative. Your website is very useful. Many thanks for sharing.
Great article. I will be going through many of these issues as well..
좋은 글 감사합니다!
Hi, I do believe this is an excellent web site. I stumbledupon it 😉 I will return once again since i have book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to help others.
You need to be a part of a contest for one of the most useful blogs on the internet. I’m going to recommend this blog!