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。
Can I simply just say what a comfort to uncover someone that really understands what they’re talking about on the net. You actually understand how to bring a problem to light and make it important. A lot more people ought to check this out and understand this side of the story. I was surprised you’re not more popular since you most certainly have the gift.
I always look forward to reading your posts, they never fail to brighten my day and educate me in some way Thank you!
Everything is very open with a very clear description of the issues. It was really informative. Your site is extremely helpful. Thanks for sharing!
Right here is the right web site for anybody who hopes to find out about this topic. You know so much its almost tough to argue with you (not that I actually will need to…HaHa). You definitely put a brand new spin on a subject which has been discussed for many years. Great stuff, just excellent.
In the end, this paradox was “resolved” by way of a drastic reorganization by Darth Bane, who recast the Sith into a grasp-apprentice tradition called the Rule of Two.
2024 Gamer Community Restricted, 18 Mansell Avenue Level 3, London, E1 8AA, United Kingdom.
That is a really good tip especially to those new to the blogosphere. Brief but very precise information… Thanks for sharing this one. A must read post!
Hello there! This article could not be written much better! Looking at this post reminds me of my previous roommate! He always kept talking about this. I’ll send this article to him. Pretty sure he’s going to have a good read. Thank you for sharing!
31 March 1979: Arsenal beat Wolverhampton Wanderers 2-0 at Villa Park to succeed in the FA Cup closing.
But for who represents a small company then they can have an amount as low as Rs 5,000.
Monkeys and “monos” are the same.
You take facilitate from monetary planners, managers World Health Organization have thorough information regarding investment within the market.
Hi, I do think this is a great blog. I stumbledupon it 😉 I am going to revisit once again since i have book-marked it. Money and freedom is the best way to change, may you be rich and continue to guide other people.
Asset administration is the strategy of understanding what to invest in and in what proportion.
Ridgely, Charlie (June 25, 2024).
Very good post. I will be experiencing many of these issues as well..
I could not resist commenting. Very well written.
Your writing style is so engaging and easy to follow I find myself reading through each post without even realizing I’ve reached the end
Very good article. I certainly appreciate this website. Stick with it!
The account and taxes course will aid in your comprehension of how to apply conceptual rules while placing accounting guidelines into practice.
I’ve learned so much from this blog and have implemented many of the tips and advice into my daily routine Thank you for sharing your knowledge!
You made some decent points there. I looked on the net for additional information about the issue and found most individuals will go along with your views on this web site.
May I simply say what a relief to uncover a person that really knows what they’re discussing on the internet. You definitely realize how to bring a problem to light and make it important. A lot more people ought to look at this and understand this side of your story. I can’t believe you aren’t more popular since you definitely have the gift.
It’s possible that you could wind up making a tiny error or two, but my guess is you’re not likely to try to embezzle your own money.
Your style is very unique in comparison to other people I have read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I’ll just book mark this site.
There is certainly a lot to learn about this topic. I like all the points you have made.
Your writing style is so engaging and easy to follow I find myself reading through each post without even realizing I’ve reached the end
You’ve made some really good points there. I checked on the web for more info about the issue and found most people will go along with your views on this website.
Your knowledge and expertise on various topics never ceases to amaze me I always learn something new with each post
A motivating discussion is definitely worth comment. I think that you should write more on this subject, it may not be a taboo subject but generally people don’t talk about these subjects. To the next! Kind regards!
Good information. Lucky me I ran across your website by chance (stumbleupon). I have bookmarked it for later.
It’s clear that you are passionate about making a positive impact and your blog is a testament to that Thank you for all that you do
Good info. Lucky me I came across your site by accident (stumbleupon). I have book-marked it for later.
On this page, we are going to answer your entire sink-buying questions and associated sink materials.
Such an enlightening entry! I learned a lot from reading it. The content is extremely structured and easy to understand.
I really like looking through an article that will make people think. Also, thank you for allowing me to comment.
That is a good tip especially to those fresh to the blogosphere. Simple but very accurate info… Thank you for sharing this one. A must read article.
I want to express my appreciation for the writer of this blog post. It’s clear they put a lot of effort and thought into their work, and it shows. From the informative content to the engaging writing style, I thoroughly enjoyed reading it.
Your positivity and optimism are contagious It’s impossible to read your blog without feeling uplifted and inspired Keep up the amazing work
Nice post. I learn something new and challenging on websites I stumbleupon on a daily basis. It’s always exciting to read content from other authors and practice a little something from other websites.
You are so cool! I do not believe I’ve truly read a single thing like that before. So wonderful to find somebody with original thoughts on this topic. Really.. many thanks for starting this up. This web site is something that is required on the web, someone with a bit of originality.
I wanted to thank you for this great read!! I certainly loved every little bit of it. I have you saved as a favorite to look at new stuff you post…
You’ve made some decent points there. I checked on the net to find out more about the issue and found most people will go along with your views on this site.
I was able to find good information from your content.
An impressive share! I’ve just forwarded this onto a friend who had been conducting a little homework on this. And he in fact ordered me lunch simply because I found it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending the time to discuss this topic here on your blog.
Way cool! Some very valid points! I appreciate you penning this article and also the rest of the website is extremely good.
Your style is unique in comparison to other folks I have read stuff from. Thanks for posting when you’ve got the opportunity, Guess I’ll just book mark this web site.
It’s nearly impossible to find experienced people for this subject, but you seem like you know what you’re talking about! Thanks
This page certainly has all the information and facts I wanted about this subject and didn’t know who to ask.
Hi there! This blog post couldn’t be written any better! Going through this article reminds me of my previous roommate! He continually kept preaching about this. I most certainly will forward this post to him. Pretty sure he’s going to have a good read. Thank you for sharing!