臺中有朝代書：台中2胎房貸,烏日區二胎,二胎代書,烏日貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,烏日小額信貸,借錢指南,土地貸款,烏日建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,烏日民間二胎,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,烏日房貸轉增貸,桃園當舖,新竹房地二胎貸款,桃園二胎貸款,烏日轉貸降息,買車換現金,彰化小額借款,台中融資借貸,烏日二胎貸款,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
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日盛銀行
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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
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最長10年
|
最長7年
|
|
限制
|
原房屋貸款須繳滿一年
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銀行往來信用正常者
|
|
銀行
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遠東銀行
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凱基銀行
|
|
對象
|
20-65歲
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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
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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
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台新
|
兆豐
|
|
對象
|
20-60歲
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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。
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Xavier completes thrilling comeback, Mount St. Mary’s advances as men’s First Four comes to a close
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Wednesday saw the men’s First Four come to a close which means only one thing: the 64-team bracket is officially set following No. 11 Xavier’s thrilling come from behind win over No. 11 Texas and No. 16 Mount St. Mary’s victory over No. 16 American in Dayton, Ohio.
The Musketeers trailed by as many as 13 points, but their offense came alive in the second half behind guard Marcus Foster and forward Zach Freemantle to down the Longhorns 86-80.
The senior Foster scored a team-high 22 points while Freemantle, on his way to 15 points, threw down a dunk with a second left to seal the comeback win and ignite the fans at UD Arena, which is just over 50 miles away from campus in Cincinnati, Ohio.
With just under four minutes remaining, Xavier went on an 8-2 run to take a 78-74 lead, their first since the early going of the first half.
Musketeers head coach Sean Miller crowned Wednesday’s game as “one of the best” he’s been a part of.
“I thought we were dead in the water two different times,” Miller told the truTV broadcast after the game. “But that’s the one thing about our team — the resiliency of our group has always won out for us. Just when you thought we weren’t gonna make the tournament, we kept winning. Even in this game, just when you’re like, ‘It’s not gonna work out,’ we have a funny way of staying with it.”
The Longhorns did not go down without a fight as guard Tre Johnson scored a game-high 23 points in the loss.
Xavier will face No. 6 Illinois in the first round on Friday at the Fiserv Forum in Milwaukee.
A librarian ran off with a yacht captain in the summer of 1968. It was the start of an incredible love story
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The first time Beverly Carriveau saw Bob Parsons, she felt like a “thunderbolt” passed between them.
“This man stepped out of a taxi, and we both just stared at each other,” Beverly tells CNN Travel today. “You have to remember, this is the ‘60s. Girls didn’t stare at men. But it was a thunderbolt.”
It was June 1968. Beverly was a 23-year-old Canadian university librarian on vacation in Mazatlan, Mexico, with a good friend in tow.
Beverly had arrived in Mazatlan that morning. She’d been blown away by the Pacific Ocean views, the colorful 19th-century buildings, the palm trees.
Now, Beverly was browsing the hotel gift store, admiring a pair of earrings, when she looked up and spotted the man getting out of the taxi. The gift shop was facing the parking lot, and there he was.
“I was riveted,” says Beverly. “He was tall, handsome…”
Eventually, Beverly tore away her gaze, bought the earrings and dashed out of the store.
“We locked eyes so long, I was embarrassed,” she says.
No words had passed between them. They hadn’t even smiled at each other. But Beverly felt like she’d revealed something of herself. She felt like something had happened, but she couldn’t describe it.
Beverly rushed to meet her friend, still feeling flustered. Over dinner in the hotel restaurant, Beverly confided in her friend about the “thunderbolt” moment.
“I told my girlfriend, ‘Something just happened to me. I stared at this man, and I couldn’t help myself.’”
Then, the server approached Beverly’s table.
“He said, ‘I have some wine for you, from a man over there.’”
The waiter was holding a bottle of white wine, indicating at the bar, which was packed with people.
As a rule, Beverly avoided accepting drinks from men in bars. She never felt especially comfortable with the power dynamic — plus, she had a long-term partner back in Canada.
“I had a serious boyfriend at home and thought my life was on course,” she says.
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The fish collectors hoping to save rare species from extinction
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In the rural town of Petersham, Massachusetts, 78-year-old Peter George keeps 1,000 fish in his basement.
“Baseball, sex, fish,” he says, listing his life’s great loves. “My single greatest attribute is that I am passionate about things. That sort of defines me.”
All of George’s fish are endangered Rift Lake cichlids: colorful, freshwater fish native to the Great Lakes of East Africa. Inside his 42 tanks, expertly squeezed into a single subterranean room, the fish shimmer under artificial lights, knowing nothing of the expansive waters in which their ancestors once swam, thousands of miles away.
Due to pollution, climate change and overfishing, freshwater fish are thought to be the second most endangered vertebrates in the world. In Lake Victoria, a giant lake shared between Kenya, Uganda and Tanzania, over a quarter of endemic species, including countless cichlids, are either critically endangered or extinct.
But for some species, there is still hope. A community of rare fish enthusiasts collect endangered species of freshwater fish from the lakes and springs of East Africa, Mexico and elsewhere, and preserve them in their personal fish tanks in the hope that they might one day be reintroduced in the wild.
“I’m a hard ass,” George says. “There is hope.”
Insurance
George has been collecting fish since 1948 when, as a four-year-old in the Bronx, he would look after his grandmother’s rainbow fish. He soon developed “multiple tank syndrome” – a colloquial term used by fish collectors to denote the spiral commonly experienced after acquiring one’s first tank, which involves the sufferer buying many more tanks within a short space of time. He has not stopped collecting since.
Now, George sees himself as a conservationist; his tanks contain what is known as “insurance populations” – populations of endangered fish that are likely to go extinct in their natural habitats. He believes that when the time is right, they can be taken from his collection and returned to their homes. “I would never accept the fact that they couldn’t be reintroduced,” he says.
The world’s largest architectural model captures New York City in the ’90s
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The Empire State building stands approximately 15 inches tall, whereas the Statue of Liberty measures at just under two inches without its base. At this scale, even ants would be too big to represent people in the streets below.
These lifelike miniatures of iconic landmarks can be found on the Panorama — which, at 9,335 square feet, is the largest model of New York City, meticulously hand-built at a scale of 1:1,200. The sprawling model sits in its own room at the Queens Museum, where it was first installed in the 1960s, softly rotating between day and night lighting as visitors on glass walkways are given a bird’s eye view of all five boroughs of the city.
To mark the model’s 60th anniversary, which was celebrated last year, the museum has published a new book offering a behind-the-scenes look at how the Panorama was made. Original footage of the last major update to the model, completed in 1992, has also gone on show at the museum as part of a 12-minute video that features interviews with some of the renovators.
The Queens Museum’s assistant director of archives and collections, Lynn Maliszewski, who took CNN on a visit of the Panorama in early March, said she hopes the book and video will help to draw more visitors and attention to the copious amount of labor — over 100 full-time workers, from July 1961 to April 1964 — that went into building the model.
“Sometimes when I walk in here, I get goosebumps, because this is so representative of dreams and hopes and family and struggle and despair and excitement… every piece of the spectrum of human emotion is here (in New York) happening at the same time,” said Maliszewski. “It shows us things that you can’t get when you’re on the ground.”
Original purpose
The Panorama was originally built for the 1964 New York World’s Fair, then the largest international exhibition in the US, aimed at spotlighting the city’s innovation. The fair was overseen by Robert Moses, the influential and notorious urban planner whose highway projects displaced hundreds of thousands New Yorkers. When Moses commissioned the Panorama, which had parts that could be removed and redesigned to determine new traffic patterns and neighborhood designs, he saw an opportunity to use it as a city planning tool.
Originally built and revised with a margin of error under 1%, the model was updated multiple times before the 1990s, though it is now frozen in time. According to Maliszewski, it cost over $672,000 to make in 1964 ($6.8 million in today’s money) and nearly $2 million (about $4.5 million today) was spent when it was last revised in 1992.
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