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
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|
對象
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20-65歲
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20-65歲
|
|
額度
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最高300萬
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50萬
|
|
年利率
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3.58%~12.99%
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2.78%~5.42%(浮動)
|
|
開辦費
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8000~15000元
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5000~12000元
|
|
期限
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最長10年
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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
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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
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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
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最高300萬
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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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In the past, Mixero was one of the most popular Bitcoin mixers available in the cryptocurrency world. The first of its kind, this bitcoin mixer was shut down temporarily before returning to limited service. Nowadays, Mixero is primarily used to facilitate anonymous individual transactions. Yomix : Zero-log policy Mixero : Excellent customer support Bitcoin Laundry : Uses stealth pools to anonymize transactions Coin Mixer : Fast payouts Bitcoin Mixer : It offers flexible transaction fees and a low minimum transaction limit 1. Yomix – Zero-log policy Yomix is another one that requires consideration. It supports Bitcoin cryptocurrency bearing no logs policy. It requires a minimum deposit of 0.001 BTC and the transaction fee is 4–5%. It supports multiple addresses of 2 or custom options and requires confirmation. No registration is required and it does not offer a referral program. Letter of guarantee is offered.Grams itself is a brand on the Darknet so I believe not much needs to be said about it. Grams Helix is one of its subsidiaries and is one of the most reputed and widely used Yomix services out there, it’s simple, modern, and definitely trustworthy. Grams supports only Bitcoins for now. It needs 2 confirmations before it cleans and sends you your coins. It obviously supports time-delay, but it’s automatically set to “2 hours” for some reasons. It also supports “Random transactions” for the deposit, the deposit address changes after each transaction and allows you to send more than 1 transactions to Grams Helix instead of sending in all your coins in a single go. The same is also supported for the “output addresses” (where you receive coins) and you can input as many as 5 different BTC addresses where your coins are sent after cleaning them. The coin-deposit address is valid for 8 hours, and any transaction not done within these 8 hours won’t be received by the platform.Yomix has a Bitcoin reserve of its own, consider it a chain of Bitcoins, when you send your BTC to Blender.io it sends your coins to the end of the chain and sends you fresh, new, unlinked coins from the beginning of the chain. Hence there’s no link between the coins going in, and the coins coming out. Hence the public ledger would only be able to track the coins going from your wallet to the address of Blender.io but no further. Blender.io doesn’t require you to signup, register, or provide any kind of detail except the “receiving address”! That’s the only thing it needs, there can’t be a better form of anonymity if you ask me. Since you provide no personal details, there’s no way your identity can be compromised. Nor can it be linked back to you, since Yomix doesn’t know who you are. Blender.io is one of the most accommodating tumblers in this sense as well, most other tumblers offer 3-4 sets of delays, Blender.io offers as many as 24, yes one for each hour. It also lets you add as many as 8 new addresses for each transaction (most other tumblers allow no more than 5 addresses).What marks Yomix out from the crowd is the fact that this crypto mixer is able to process transactions for Bitcoin and Litecoin. There is a minimum deposit requirement for both Bitcoin and Litecoin. The site is able to support a maximum of 5 multiple addresses with confirmation required for all addresses. No site registration is required and there is a referral program in place. Additionally, Yomix can provide clients with a letter of guarantee. Pros: No logsAvailable in Tor 2. Mixero – Excellent customer support Mixero is a btc shuffle service needed to hide your transfers in the bitcoin world. Mixero currently has a minimum withdrawal threshold of 0.03500000 BTC, so users are advised to deposit more than the entry threshold plus commission, otherwise they will not be able to withdraw funds. The client is asked to set 5 exit addresses. If for some reason, even after a delay of two hours, the user’s balance is not updated, the mixer can contact the support service to take action. For customers who have been inactive for several days, it can take up to 15 minutes after logging in before you see outstanding deposits. Transaction histories are automatically deleted within 1 week after that. The program runs on a dedicated server that is openly connected via the Internet (you don’t need to do this when using the Tor browser). The Bitcoin mixer is launched on another machine, all suspicious activity is monitored, and the website is automatically protected in case of any indication that it is under DDoS attack.Mixero is a simple service that will increase your privacy while using Ethereum and making Ether transactions. Every single person have its right for a personal privacy even when transacting, trading or donating Ether. Due to ethereum blockchain features you are not completely anonymous while using ETH and here comes Ethereum Mixing Service to help you cut all ties between your old and fresh mixed ETH coins. Using Mixero mixer makes almost impossible to trace your new Ethereum Address..Mixero is a Bitcoin mixing service that provides privacy by using the ‘Bitcoin Mixer 2.0’ algorithm to shuffle bitcoins. Unlike other similar tumbling services that mix your coins with the coins of other users, this platform mixes your crypto with the crypto bought by them directly from the cryptocurrency stock exchanges. Mixero verifies the newly purchased coins with a scoring system with the help of innovative algorithms and outfoxes such technologies as blockchain volume analysis, cluster analysis, taint analysis, etc. It means that you will receive your BTC back split into random parts, and even at the different addresses if needed. Consequently, your privacy is protected as there is no connection to you. And it takes up to 6 hours to complete your request. Another privacy feature of this mixer service is that it does not require registration and it does not store logs. All the transactions are digitally signed with letters of guarantee that you can check on the website at any moment. They also provide 24/7 technical support. MixTum.io will charge you a 5% Fee from your transaction as well as a network fee of 0.00015 BTC. The platform provides two versions – for Clearnet and Tor browsers.Based on the experience of many users on the Internet, Mixero is one of the leading Bitcoin tumblers that has ever appeared. This scrambler supports not only Bitcoins, but also other above-mentioned cryptocurrencies. Exactly this platform allows a user to exchange the coins, in other words to send one type of coins and get them back in another type of coins. This process even increases user’s anonymity. Time-delay feature helps to make a transaction untraceable, as it can be set up to 24 hours. There is a transaction fee of 0.0005 for each extra address. Pros: Doesn’t require registrationExcellent customer support 3. Bitcoin Laundry – Uses stealth pools to anonymize transactions This platform can work not only as a toggle switch, but also as a swap, that is, you can clear your coins and change the cryptocurrency to another when withdrawing, which further increases anonymity. As a Bitcoin mixer, this platform provides the ability to set a custom commission: the higher the commission, the better the privacy. There is also a time delay option that increases the level of anonymity by delaying the transaction by 24 hours. The service has an impressive supply of coins, so your transactions are made instantly, as soon as confirmation of the receipt of coins arrives, unless you manually set time delays. The minimum deposit is 0.01 BTC per transaction. Any smaller amount is also accepted, but is considered a “donation” and is not returned to Bitcoin Laundry customers. Finally, they also have a no log policy.Bitcoin Laundry has a simple interface, it is easy to use and simple. Time-delay option can be set up to 24 hours. With regard to the fee, there is an additional fee of 0.0005 % per output address. As one of the few, this cryptocurrency tumbler provides a user with a special mixing code which guarantees that fresh crypto coins are not blended with previous deposits. Additional URL Blender is also here to guarantee that users can get to the tumbler, even if the main link is not working.Bitcoin Laundry is one of the best Bitcoin Tumbler services, that I’m stating based on my personal experiences and the positive reviews of other users on the Internet. It works both as a Bitcoin Tumbler, as well as a swapper, meaning you can clean your coins, and receive them in a different cryptocurrency as well which further adds to their anonymity. As a Bitcoin Tumbler, they let you set a custom service fee, the higher this fee is, the better your coins are anonymized. There’s a time-delay option as well which let’s you add an extra layer of protection by delaying your transaction by up to 24 hours, so you receive your coins not instantly but at a later time set by you. As of now, it supports the following coins: Bitcoin Ethereum Bitcoin Cash Litecoin The minimum fee of mixing coins for Bitcoin is 0.8% + 0.0008BTC / forwarding address. Note that there is a minimum transaction limit of 0.01BTC/transaction, and anything below that limit is still accepted but considered “donations” and hence isn’t returned to the senders. As for confirmation, it needs 1 confirmation before it cleans your Bitcoins. And the time needed for the whole process is generally instant, except when you’ve manually specified a time-delay. Also, obviously there also is a “Guarantee certificate” which helps you resolve any future conflicts and issues. It also features a “no logs policy” like all the other Bitcoin Tumbler services on this list, and automatically deletes your order history and all the other data after 24 hours. Well, this is just one of the many available Bitcoin Tumbler services, so let’s head over to the other available options.How it works: unlike other mixers, this site cleans coins with bitcoins purchased by them on cryptocurrency exchanges. Bitcoin Laundry io examines purchased coins using a scoring system with innovative algorithms and the use of technologies such as blockchain volume analysis, cluster analysis, pollution analysis, etc. After that, you will receive your BTC back, divided into random parts, and even sent in different addresses, if necessary. The whole process takes about 6 hours. The mixer does not require registration and does not store any logs. After each mixing operation, a letter of guarantee is sent, and information about it is eliminated after 24 hours, ensuring complete anonymity. The service also provides round-the-clock technical support. MixTum io charges a flat fee of 5% of the transaction, as well as a network fee of 0.00015 BTC. The program has two versions – for regular browsers and Tor. Pros: Secure ExchangeIt has a positive reputation among the Bitcoin community 4. Coin Mixer – Fast payouts Coin Mixer is one of the best Bitcoin Tumbler services, that I’m stating based on my personal experiences and the positive reviews of other users on the Internet. It works both as a Bitcoin Tumbler, as well as a swapper, meaning you can clean your coins, and receive them in a different cryptocurrency as well which further adds to their anonymity. As a Bitcoin Tumbler, they let you set a custom service fee, the higher this fee is, the better your coins are anonymized. There’s a time-delay option as well which let’s you add an extra layer of protection by delaying your transaction by up to 24 hours, so you receive your coins not instantly but at a later time set by you. As of now, it supports the following coins: Bitcoin Ethereum Bitcoin Cash Litecoin The minimum fee of mixing coins for Bitcoin is 0.8% + 0.0008BTC / forwarding address. Note that there is a minimum transaction limit of 0.01BTC/transaction, and anything below that limit is still accepted but considered “donations” and hence isn’t returned to the senders. As for confirmation, it needs 1 confirmation before it cleans your Bitcoins. And the time needed for the whole process is generally instant, except when you’ve manually specified a time-delay. Also, obviously there also is a “Guarantee certificate” which helps you resolve any future conflicts and issues. It also features a “no logs policy” like all the other Bitcoin Tumbler services on this list, and automatically deletes your order history and all the other data after 24 hours. Well, this is just one of the many available Bitcoin Tumbler services, so let’s head over to the other available options.Another coin scrambler Mixtum offers you a so-called free trial period what means that there are no service or transaction fee charged. The process of getting renewed coins is also quite unique, as the tumbler requires a request to be sent over Tor or Clearnet and renewed coins are acquired from stock exchanges.An interesting cryptocurrency tumbler is Coin Mixer. It supports bitcoin and Ethereum cryptocurrencies bearing no logs policy. It requires a minimum deposit of 0.2 BTC and the transaction fee is 2–5%. It does not support multiple addresses and requires 6 confirmations. No registration is required and it does not offer a referral program.Coin Mixer offers a good number of features and has a no logs policy. To get started, you’ll need to deposit a minimum of 0.0015 BTC with no transaction fees charged. As an added plus, Coin Mixer supports multiple addresses with a maximum of 5. You won’t have to register to use this service – which is great for those who prize their privacy. However, the site does not offer a referral program. Pros: No-logs policiCustomizable mixing settings for better anonymity 5. Bitcoin Mixer – It offers flexible transaction fees and a low minimum transaction limitBitcoin Mixer supports Bitcoin and Litecoin cryptocurrencies bearing no logs policy. It requires a minimum deposit of 0.005 BTC, 0.015 LTC and the transaction fee is from 0.4% to 4% + mining fee 0.0003 for BTC, from 2% to 20% + mining fee 0.0003 for LTC. It supports multiple addresses of up to 5 and requires confirmation from 1 till 6. No registration is required and it does offer a referral program as well as a letter of guarantee.Another coin scrambler Mixtum offers you a so-called free trial period what means that there are no service or transaction fee charged. The process of getting renewed coins is also quite unique, as the tumbler requires a request to be sent over Tor or Clearnet and renewed coins are acquired from stock exchanges.Grams itself is a brand on the Darknet so I believe not much needs to be said about it. Grams Helix is one of its subsidiaries and is one of the most reputed and widely used Bitcoin Mixer services out there, it’s simple, modern, and definitely trustworthy. Grams supports only Bitcoins for now. It needs 2 confirmations before it cleans and sends you your coins. It obviously supports time-delay, but it’s automatically set to “2 hours” for some reasons. It also supports “Random transactions” for the deposit, the deposit address changes after each transaction and allows you to send more than 1 transactions to Grams Helix instead of sending in all your coins in a single go. The same is also supported for the “output addresses” (where you receive coins) and you can input as many as 5 different BTC addresses where your coins are sent after cleaning them. The coin-deposit address is valid for 8 hours, and any transaction not done within these 8 hours won’t be received by the platform.Bitcoin Mixer as the name suggests is another mixer, which lets us mix Bitcoin Mixer. It’s an onion-only service, and the lack of a clearnet version increases anonymity. Offers quite a bit of control to the users regarding percentage distribution and time-delays. Percentage distribution can be specified manually, while time-delays can only be “selected” from the provided options. Minimum possible delay is 1hour, maximum being 24 Hours, with multiple choices in between. Although “instant” payouts without any delay are possible as well. A total of 5 output addresses can be specified for each mix. The fee isn’t user-controlled, and is set at 1% of the mix. Each additional address costs an additional 0.000001 BTC. They do not store any logs whatsoever. The minimum deposit requirement is 0.0002 BTC, smaller deposits are considered donations and aren’t refunded. Pros: Proven track recordProvides user-controlled time delays
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