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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
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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
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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
|
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
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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
|
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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Kohberger sat impassively throughout the hearing as the loved ones of each of the four students whose lives he so callously ended repeatedly asked him the same question: Why?
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And when he was finally given the opportunity to answer their questions, he said, “I respectfully decline.”
That decision further fueled the mystery around his motive for murdering Xana Kernodle, Madison Mogen, Ethan Chapin and Kaylee Goncalves.
“There’s no reason for these crimes that could approach anything resembling rationality,” Idaho District Judge Steven Hippler said during Kohberger’s sentencing. “The more we try to extract a reason, the more power and control we give to him.”
But, he added, investigators and researchers may wish to study his actions – if only to learn how to prevent similar crimes from occurring in the future.
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Indeed, academics and former FBI profilers told CNN the challenge of unravelling the criminal mind of a man like Bryan Kohberger is enticing. And while his trial may be over, in many ways, the story of what can be learned from his crimes may have only just begun.
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Even seasoned police officers who arrived at 1122 King Road on November 13, 2022, struggled to process the brutality of the crime scene.
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Police later found a Ka-Bar knife sheath next to Madison’s body that would prove to be critical in capturing her killer.
One of the surviving housemates told police about a month before the attacks, Kaylee saw “a dark figure staring at her from the tree line when she took her dog Murphy out to pee.”
“There has been lighthearted talk and jokes made about a stalker in the past,” the officer noted. “All the girls were slightly nervous about it being a fact, though.”
But after years of investigating the murders, detectives told CNN they were never able to establish a connection between Kohberger and any of the victims, or a motive.
Kohberger is far from the first killer to deny families and survivors the catharsis that comes with confessing, in detail, to his crimes. But that, former FBI profilers tell CNN, is part of what makes the prospect of studying him infuriating and intriguing.
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The trial of Bryan Kohberger – the man who brutally murdered four University of Idaho students inside their off-campus home – ended in July before it ever truly began when he accepted a plea deal that saw him sentenced to four consecutive life terms in prison without the possibility of an appeal or parole.
Kohberger sat impassively throughout the hearing as the loved ones of each of the four students whose lives he so callously ended repeatedly asked him the same question: Why?
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And when he was finally given the opportunity to answer their questions, he said, “I respectfully decline.”
That decision further fueled the mystery around his motive for murdering Xana Kernodle, Madison Mogen, Ethan Chapin and Kaylee Goncalves.
“There’s no reason for these crimes that could approach anything resembling rationality,” Idaho District Judge Steven Hippler said during Kohberger’s sentencing. “The more we try to extract a reason, the more power and control we give to him.”
But, he added, investigators and researchers may wish to study his actions – if only to learn how to prevent similar crimes from occurring in the future.
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Indeed, academics and former FBI profilers told CNN the challenge of unravelling the criminal mind of a man like Bryan Kohberger is enticing. And while his trial may be over, in many ways, the story of what can be learned from his crimes may have only just begun.
“We want to squeeze any silver lining that we can out of these tragedies,” said Molly Amman, a retired profiler who spent years leading the FBI’s Behavioral Threat Assessment Center.
“The silver lining is anything we can use to prevent another crime. It starts with learning absolutely, positively everything about the person and the crime that we possibly can.”
CNN
Only Kohberger knows
Even seasoned police officers who arrived at 1122 King Road on November 13, 2022, struggled to process the brutality of the crime scene.
All four victims had been ruthlessly stabbed to death before the attacker vanished through the kitchen’s sliding glass door and into the night.
“The female lying on the left half of the bed … was unrecognizable,” one officer would later write of the attack that killed Kaylee Goncalves. “I was unable to comprehend exactly what I was looking at while trying to discern the nature of the injuries.”
Initial interviews with the two surviving housemates gave investigators a loose timeline and a general description of the killer – an athletic, White male who wore a mask that covered most of his face – but little else.
Police later found a Ka-Bar knife sheath next to Madison’s body that would prove to be critical in capturing her killer.
One of the surviving housemates told police about a month before the attacks, Kaylee saw “a dark figure staring at her from the tree line when she took her dog Murphy out to pee.”
“There has been lighthearted talk and jokes made about a stalker in the past,” the officer noted. “All the girls were slightly nervous about it being a fact, though.”
But after years of investigating the murders, detectives told CNN they were never able to establish a connection between Kohberger and any of the victims, or a motive.
Kohberger is far from the first killer to deny families and survivors the catharsis that comes with confessing, in detail, to his crimes. But that, former FBI profilers tell CNN, is part of what makes the prospect of studying him infuriating and intriguing.