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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

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。

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  • The Justice Department on Friday released the long-awaited transcripts of a weeks-old interview it conducted with convicted Jeffrey Epstein associate Ghislaine Maxwell.

    The Maxwell interview was one of two steps the White House took to try and quell outrage over its handling of the Epstein files, which has rocked the administration for weeks and caused even many supporters of President Donald Trump to balk.
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    Attorney General Pam Bondi and other officials had built up anticipation for the Epstein documents before pulling back on promises to release them. Trump has also made a series of false and misleading claims that have caused Epstein’s victims to suggest a cover-up.

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    The Maxwell interview conducted by Deputy Attorney General Todd Blanche, likewise, doesn’t add much to the public knowledge of Epstein. But there are some key points worth running through – particularly in the broader context of the administration’s botched handling of the matter.

    Here’s what to know from the transcript:

    Maxwell isn’t coming clean, which undercut the exercise
    The Maxwell interview is the administration’s first significant release of information since its effort to close the matter blew up in its face last month.

    (Also on Friday, it sent Epstein documents to a House committee that had demanded them, but those aren’t public yet.)

    But it was always a weird choice, given Maxwell is a convicted sex offender and her appeals are ongoing. The Justice Department in Trump’s first term also labeled her a brazen liar. What could she possibly add of value?

    Not a whole lot, it seems.

    Related article
    This undated trial evidence image obtained December 8, 2021, from the US District Court for the Southern District of New York shows British socialite Ghislaine Maxwell, right, and US financier Jeffrey Epstein, left.
    READ: Transcript of the Justice Department’s interview with Ghislaine Maxwell

    The big headlines are that Maxwell doesn’t implicate anybody – including Trump – in any wrongdoing and says Epstein didn’t have a client list. But those statements might carry more weight if Maxwell came clean about her and Epstein’s own misdeeds.

    She clearly didn’t do that. In fact, she repeatedly cast doubt on them, too.

    She denied that Epstein paid her millions of dollars to recruit young women for him. She denied witnessing any nonconsensual sex acts. And she denied seeing anything “inappropriate” from “any man” – seemingly including Epstein.

    “I never, ever saw any man doing something inappropriate with a woman of any age,” Maxwell said. “I never saw inappropriate habits.”

    Some other Maxwell responses also call her credibility into question.

    In another instance, Maxwell claimed Epstein didn’t have “inappropriate” cameras inside his New York, Caribbean, New Mexico and Paris residences. Cameras in his Palm Beach, Florida, house were used because money was being stolen. But Epstein’s seven-story townhouse in Manhattan was outfitted with cameras, the New York Times reported earlier this month. Several of Epstein’s victims have cited a network of hidden cameras.

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  • The Justice Department on Friday released the long-awaited transcripts of a weeks-old interview it conducted with convicted Jeffrey Epstein associate Ghislaine Maxwell.

    The Maxwell interview was one of two steps the White House took to try and quell outrage over its handling of the Epstein files, which has rocked the administration for weeks and caused even many supporters of President Donald Trump to balk.
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    Attorney General Pam Bondi and other officials had built up anticipation for the Epstein documents before pulling back on promises to release them. Trump has also made a series of false and misleading claims that have caused Epstein’s victims to suggest a cover-up.

    The administration’s other big move – asking to unseal grand jury testimony – hasn’t amounted to much. In fact, two judges have suggested it was a “diversion” intended to look transparent without actually being so.
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    The Maxwell interview conducted by Deputy Attorney General Todd Blanche, likewise, doesn’t add much to the public knowledge of Epstein. But there are some key points worth running through – particularly in the broader context of the administration’s botched handling of the matter.

    Here’s what to know from the transcript:

    Maxwell isn’t coming clean, which undercut the exercise
    The Maxwell interview is the administration’s first significant release of information since its effort to close the matter blew up in its face last month.

    (Also on Friday, it sent Epstein documents to a House committee that had demanded them, but those aren’t public yet.)

    But it was always a weird choice, given Maxwell is a convicted sex offender and her appeals are ongoing. The Justice Department in Trump’s first term also labeled her a brazen liar. What could she possibly add of value?

    Not a whole lot, it seems.

    Related article
    This undated trial evidence image obtained December 8, 2021, from the US District Court for the Southern District of New York shows British socialite Ghislaine Maxwell, right, and US financier Jeffrey Epstein, left.
    READ: Transcript of the Justice Department’s interview with Ghislaine Maxwell

    The big headlines are that Maxwell doesn’t implicate anybody – including Trump – in any wrongdoing and says Epstein didn’t have a client list. But those statements might carry more weight if Maxwell came clean about her and Epstein’s own misdeeds.

    She clearly didn’t do that. In fact, she repeatedly cast doubt on them, too.

    She denied that Epstein paid her millions of dollars to recruit young women for him. She denied witnessing any nonconsensual sex acts. And she denied seeing anything “inappropriate” from “any man” – seemingly including Epstein.

    “I never, ever saw any man doing something inappropriate with a woman of any age,” Maxwell said. “I never saw inappropriate habits.”

    Some other Maxwell responses also call her credibility into question.

    In another instance, Maxwell claimed Epstein didn’t have “inappropriate” cameras inside his New York, Caribbean, New Mexico and Paris residences. Cameras in his Palm Beach, Florida, house were used because money was being stolen. But Epstein’s seven-story townhouse in Manhattan was outfitted with cameras, the New York Times reported earlier this month. Several of Epstein’s victims have cited a network of hidden cameras.

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    A “ghost ship” that sank in Lake Michigan nearly 140 years ago and eluded several search efforts over the past five decades has been found, according to researchers with the Wisconsin Underwater Archeology Association.

    The wooden schooner got caught in a storm in the dead of night and went down in September 1886. In the weeks after, a lighthouse keeper reported the ship’s masts breaking the lake surface, and fishermen caught pieces of the vessel in their nets. Still, wreck hunters were unable to track down the ship’s location — until now.
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  • Elusive shipwreck found in Lake Michigan over 100 years after sinking
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    Earlier this year, a team of researchers with the Wisconsin Underwater Archeology Association and Wisconsin Historical Society located the shipwreck off the coastal town of Baileys Harbor, Wisconsin, the association announced on Sunday.

    Named the F.J. King, the ship had become a legend within the Wisconsin wreck hunter community for its elusive nature, said maritime historian Brendon Baillod, principal investigator and project lead of the discovery.

    “We really wanted to solve this mystery, and we didn’t expect to,” Baillod told CNN. “(The ship) seemed to have just vanished into thin air. … I actually couldn’t believe we found it.”

    The wreck is just one of many that have been found in the Great Lakes in recent years, and there are still hundreds left to be recovered in Lake Michigan alone, according to Baillod.

    The ‘ghost ship’
    Built in 1867, the F.J. King plied the waters of the Great Lakes for the purpose of trans-lake commerce. The ship transported grains during a time when Wisconsin served as the breadbasket of the United States. The 144-foot-long (44-meter) vessel also carried cargo including iron ore, lumber and more.

    The ship had a lucrative 19-year career until that September night when a gale-force wind caused its seams to break apart, according to the announcement. The captain, William Griffin, ordered the crew to evacuate on the ship’s yawl boat, from where they watched the F.J. King sink, bow first.

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  • Elusive shipwreck found in Lake Michigan over 100 years after sinking
    рутор зеркало
    A “ghost ship” that sank in Lake Michigan nearly 140 years ago and eluded several search efforts over the past five decades has been found, according to researchers with the Wisconsin Underwater Archeology Association.

    The wooden schooner got caught in a storm in the dead of night and went down in September 1886. In the weeks after, a lighthouse keeper reported the ship’s masts breaking the lake surface, and fishermen caught pieces of the vessel in their nets. Still, wreck hunters were unable to track down the ship’s location — until now.
    https://rutor24x7to.top
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    Earlier this year, a team of researchers with the Wisconsin Underwater Archeology Association and Wisconsin Historical Society located the shipwreck off the coastal town of Baileys Harbor, Wisconsin, the association announced on Sunday.

    Named the F.J. King, the ship had become a legend within the Wisconsin wreck hunter community for its elusive nature, said maritime historian Brendon Baillod, principal investigator and project lead of the discovery.

    “We really wanted to solve this mystery, and we didn’t expect to,” Baillod told CNN. “(The ship) seemed to have just vanished into thin air. … I actually couldn’t believe we found it.”

    The wreck is just one of many that have been found in the Great Lakes in recent years, and there are still hundreds left to be recovered in Lake Michigan alone, according to Baillod.

    The ‘ghost ship’
    Built in 1867, the F.J. King plied the waters of the Great Lakes for the purpose of trans-lake commerce. The ship transported grains during a time when Wisconsin served as the breadbasket of the United States. The 144-foot-long (44-meter) vessel also carried cargo including iron ore, lumber and more.

    The ship had a lucrative 19-year career until that September night when a gale-force wind caused its seams to break apart, according to the announcement. The captain, William Griffin, ordered the crew to evacuate on the ship’s yawl boat, from where they watched the F.J. King sink, bow first.

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