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
|
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
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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
|
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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Watch out, Orlando, a new world theme park capital is rising in the Arabian desert
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For decades, Orlando has reigned as the global capital of theme parks — a place where Disney, Universal, SeaWorld and countless other attractions have drawn millions of visitors.
But a challenger for the crown has emerged from an unlikely place: the deserts of the Arabian Gulf. In a destination once known more for oil wealth and camel racing than roller coasters, Abu Dhabi is building an adrenaline-charged playground that could give Orlando a run for its money.
And it just landed the ultimate weapon: Disney.
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In May 2025, when Disney announced its first new theme park in 15 years, it chose Abu Dhabi over other key theme park destinations in California, Japan and even Orlando.
There was “no question,” says Josh D’Amaro, chairman of Disney Experiences. The UAE capital, already home to Ferrari World, with the world’s fastest roller coaster; Warner Bros. World (built under license by CNN’s parent company, Warner Brothers Discovery); Yas Waterworld, an epic network of slides and pools; and more recently, SeaWorld Yas Island Abu Dhabi. It’s clear the emirate is emerging as the most serious challenger Orlando has ever faced.
Ferrari World Abu Dhabi is home to the world’s fastest rollercoaster and the highest loop ride.
Ferrari World Abu Dhabi is home to the world’s fastest rollercoaster and the highest loop ride. Leisa Tyler/LightRocket/Getty Images
Disneyland Abu Dhabi, expected to open on Yas Island in the early 2030s, will be the company’s most technologically advanced park ever. Renderings show a shimmering, futuristic tower at its center — more closely resembling Abu Dhabi’s gleaming skyline than a traditional European castle. It will be the first Disney resort set on an accessible shoreline, located just 20 minutes from downtown Abu Dhabi.
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The theme park will be developed, built and operated by Miral, the Abu Dhabi company behind Yas Island’s roster of other attractions. Disney Imagineers will handle creative design and operational oversight, making sure the new park is in keeping with Disney’s brand.
Miral’s CEO, Mohamed Abdalla Al Zaabi, says demand already exists: 2024 saw a 20% rise in theme park attendance on Yas Island. And expansion is already in the works — a Harry Potter–themed land at Warner Bros. World, more record-breaking rides at Ferrari World, new themed hotels, and even two beaches along Yas Bay Waterfront.
‘This isn’t about building another theme park’
disney 3.jpg
Why Disney chose Abu Dhabi for their next theme park location
7:02
Abu Dhabi’s location, a medium-haul flight away from both Europe and Asia, and relatively short hop away from India, means millions of potential visitors are within relatively easy reach.
“This isn’t about building another theme park,” Saleh Mohamed Al Geziry, Abu Dhabi’s director general of tourism, told CNN. “It’s about defining Abu Dhabi as a global destination where culture, entertainment and luxury intersect.”
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Disney made a smart choice’
Despite the comparisons, Abu Dhabi isn’t positioning itself as a direct rival to Orlando — it’s aiming to be something more. The emirate sees its theme parks as part of a bigger portfolio of attractions, alongside cultural landmarks, luxury hotels, pristine beaches, and desert adventures.
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A 15-minute drive from Yas Island, Saadiyat Island is home to the Louvre Abu Dhabi, a franchised outpost of the famous Paris art museum, which welcomed 1.4 million visitors last year, 84% from abroad. The Guggenheim Abu Dhabi and Zayed National Museum are both under construction, adding to a cultural district that will be one of the region’s most concentrated hubs of art and heritage.
“Abu Dhabi’s unique appeal lies in the diversity of our tourism offering,” Al Geziry added. “For thrill-seekers, we have record-breaking roller coasters and dune bashing in the desert. For culture lovers, historic sites like Al Ain Oasis and institutions like the Saadiyat museums. And for luxury travelers, world-class dining, private island resorts, and high-end shopping.
“Where else can you start your day under the Louvre’s iconic rain-of-light dome and end it in the immersive, story-driven worlds of Warner Bros. World or Ferrari World?”
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Still, not everyone is convinced that Disney’s expansion into the Middle East is a sure bet.
“The region has seen its share of false starts,” says Dennis Speigel, founder of the International Theme Park Services consultancy, comparing it to neighboring Dubai’s patchy record with theme park expansion ambitions in the mid-2010s. “Several of them struggled for profitability in their first decade.”
Related article
Saadiyat Cultural District in Abu Dhabi is set to become one of the world’s preeminent arts and culture hubs, with one of the highest concentrations of cultural institutions globally. But the area isn’t just for art connoisseurs. Explore what to do in the new district, from iconic museums to luxurious beach days to decadent dining options.
You can walk between the Louvre and the Guggenheim in this new art district
Spiegel believes Abu Dhabi is different. “Disney made a smart choice. The infrastructure, safety, and existing leisure developments create an ideal entry point,” he told CNN earlier this year. “It’s a much more controlled and calculated move.”
Under its Tourism Strategy 2030, Abu Dhabi aims to grow annual visitors from 24 million in 2023 to more than 39 million by the end of the decade. With Disneyland as a centerpiece, those targets may well be surpassed. The city’s population has already grown from 2.7 million in 2014 to more than 4.1 million today, a reflection of its rising profile as a regional hub.
Yas Island alone has been transformed in the space of a decade from a largely undeveloped stretch of sand to a self-contained resort destination, complete with golf courses, marinas, a mall, more than 160 restaurants, and a cluster of high-end hotels.
Orlando’s head start remains formidable — it still offers multiple Disney and Universal parks, has decades of brand loyalty, and an infrastructure built to handle tens of millions of tourists annually.
But Abu Dhabi is catching up fast. Its combination of frictionless travel, year-round comfort, cutting-edge attractions, and a cultural scene that adds depth to the experience gives Abu Dhabi its own unique selling point, potentially offering a model for the next generation of theme park capital.
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Planet-heating methane is escaping from cracks in the Antarctic seabed as the region warms, with new seeps being discovered at an “astonishing rate,” scientists have found, raising fears that future global warming predictions may have been underestimated.
Huge amounts of methane lie in reservoirs that have formed over millennia beneath the seafloor around the world. This invisible, climate-polluting gas can escape into the water through fissures in the sea floor, often revealing itself with a stream of bubbles weaving their way up to the ocean surface.
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Relatively little is known about these underwater seeps, how they work, how many there are, and how much methane reaches the atmosphere versus how much is eaten by methane-munching microbes living beneath the ocean.
But scientists are keen to better understand them, as this super-polluting gas traps around 80 times more heat than carbon dioxide in its first 20 years in the atmosphere.
Methane seeps in Antarctica are among the least understood on the planet, so a team of international scientists set out to find them. They used a combination of ship-based acoustic surveys, remotely operated vehicles and divers to sample a range of sites in the Ross Sea, a bay in Antarctica’s Southern Ocean, at depths between 16 and 790 feet.
What they found surprised them. They identified more than 40 methane seeps in the shallow water of the Ross Sea, according to the study published this month in Nature Communications.
Bubbles rising from a methane seep at Cape Evans, Antarctica. Leigh Tate, Earth Sciences New Zealand
Many of the seeps were found at sites that had been repeatedly studied before, suggesting they were new. This may indicate a “fundamental shift” in the methane released in the region, according to the report.
Methane seeps are relatively common globally, but previously there was only one confirmed active seep in the Antarctic, said Sarah Seabrook, a report author and a marine scientist at Earth Sciences New Zealand, a research organization. “Something that was thought to be rare is now seemingly becoming widespread,” she told CNN.
Every seep they discovered was accompanied by an “immediate excitement” that was “quickly replaced with anxiety and concern,” Seabrook said.
The fear is these seeps could rapidly transfer methane into the atmosphere, making them a source of planet-heating pollution that is not currently factored into future climate change predictions.
The scientists are also concerned the methane could have cascading impacts on marine life.
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Экскурсии по Казани — обзор маршрутов и лучших туров по Казани
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Disney made a smart choice’
Despite the comparisons, Abu Dhabi isn’t positioning itself as a direct rival to Orlando — it’s aiming to be something more. The emirate sees its theme parks as part of a bigger portfolio of attractions, alongside cultural landmarks, luxury hotels, pristine beaches, and desert adventures.
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A 15-minute drive from Yas Island, Saadiyat Island is home to the Louvre Abu Dhabi, a franchised outpost of the famous Paris art museum, which welcomed 1.4 million visitors last year, 84% from abroad. The Guggenheim Abu Dhabi and Zayed National Museum are both under construction, adding to a cultural district that will be one of the region’s most concentrated hubs of art and heritage.
“Abu Dhabi’s unique appeal lies in the diversity of our tourism offering,” Al Geziry added. “For thrill-seekers, we have record-breaking roller coasters and dune bashing in the desert. For culture lovers, historic sites like Al Ain Oasis and institutions like the Saadiyat museums. And for luxury travelers, world-class dining, private island resorts, and high-end shopping.
“Where else can you start your day under the Louvre’s iconic rain-of-light dome and end it in the immersive, story-driven worlds of Warner Bros. World or Ferrari World?”
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Still, not everyone is convinced that Disney’s expansion into the Middle East is a sure bet.
“The region has seen its share of false starts,” says Dennis Speigel, founder of the International Theme Park Services consultancy, comparing it to neighboring Dubai’s patchy record with theme park expansion ambitions in the mid-2010s. “Several of them struggled for profitability in their first decade.”
Related article
Saadiyat Cultural District in Abu Dhabi is set to become one of the world’s preeminent arts and culture hubs, with one of the highest concentrations of cultural institutions globally. But the area isn’t just for art connoisseurs. Explore what to do in the new district, from iconic museums to luxurious beach days to decadent dining options.
You can walk between the Louvre and the Guggenheim in this new art district
Spiegel believes Abu Dhabi is different. “Disney made a smart choice. The infrastructure, safety, and existing leisure developments create an ideal entry point,” he told CNN earlier this year. “It’s a much more controlled and calculated move.”
Under its Tourism Strategy 2030, Abu Dhabi aims to grow annual visitors from 24 million in 2023 to more than 39 million by the end of the decade. With Disneyland as a centerpiece, those targets may well be surpassed. The city’s population has already grown from 2.7 million in 2014 to more than 4.1 million today, a reflection of its rising profile as a regional hub.
Yas Island alone has been transformed in the space of a decade from a largely undeveloped stretch of sand to a self-contained resort destination, complete with golf courses, marinas, a mall, more than 160 restaurants, and a cluster of high-end hotels.
Orlando’s head start remains formidable — it still offers multiple Disney and Universal parks, has decades of brand loyalty, and an infrastructure built to handle tens of millions of tourists annually.
But Abu Dhabi is catching up fast. Its combination of frictionless travel, year-round comfort, cutting-edge attractions, and a cultural scene that adds depth to the experience gives Abu Dhabi its own unique selling point, potentially offering a model for the next generation of theme park capital.
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