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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,新竹借錢,台中二胎借款,石岡房貸轉增貸,桃園當舖,新竹房地二胎貸款,桃園二胎貸款,石岡轉貸降息,買車換現金,彰化小額借款,台中融資借貸,石岡二胎貸款,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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Best Online Casinos for Ecuador Players 2023
The vibrant gaming scene catering to Ecuadorian enthusiasts continues
to expand, offering a multitude of choices for those seeking excitement and
potential rewards. With technology advancing at a rapid pace, it’s crucial to
identify platforms that not only provide thrilling experiences but also ensure
safety and fairness. This assessment highlights some
of the platforms that stand out in the crowd for their
unique offerings tailored specifically for local tastes.
Recent analyses indicate that reliability and user-friendly interfaces are key
components for attracting and retaining players.
Several platforms have excelled in these areas, delivering diverse gaming options ranging from traditional slots to modern live
dealer experiences. Players can expect an engaging experience with a variety of promotions that enhance their
overall journey, making it worthwhile to explore
these alternatives.
As regulations evolve, selecting platforms that comply with legal standards becomes increasingly important.
This guide focuses on choices that not only adhere to legal frameworks
but also prioritize responsible gaming practices. Players interested
in maximizing their enjoyment while minimizing risks will find valuable insights into
which platforms align with their preferences.
Top Features to Look for in Online Casinos for Ecuador Players
When seeking a thrilling gaming venue, several characteristics stand out.
Security measures are paramount. Look for platforms employing robust encryption technologies, ensuring personal and financial data remain secure.
Additionally, licensing from reputable authorities guarantees compliance with gaming regulations.
User experience plays a significant role. A well-designed
interface enhances navigation and enjoyment. Ensure the site is mobile-friendly,
allowing gamers to access their favorite titles conveniently across devices.
The variety of gaming options is crucial. Consider platforms that offer a broad range,
from classic table games to the latest video slots. This diversity
caters to different preferences and keeps the gaming experience fresh.
Promotions and bonuses can significantly impact your gaming budget.
Seek out venues that provide generous welcome offers, loyalty rewards, and regular promotions.
Always read the terms and conditions to understand wagering requirements and
other stipulations.
Payment methods should be flexible. A good venue offers multiple
deposit and withdrawal options, including local banking solutions and cryptocurrencies, for hassle-free transactions.
Check the processing times and any associated fees.
Lastly, customer support is indispensable. Reliable assistance through various channels–such as live chat, email,
and phone–ensures help is readily available when needed.
Prompt and effective support can enhance
your overall satisfaction.
Safe Payment Methods and Bonuses Available for Ecuadorian Players
When engaging in remote gambling, security in transactions is paramount.
Ecuadorian users can access several reliable
payment options ensuring confidentiality and protection against fraud.
Among the most popular methods are digital wallets like Skrill and Neteller,
which offer swift deposits and withdrawals while safeguarding personal
information.
Additionally, credit and debit cards such as Visa and Mastercard remain widely accepted.
These traditional financial tools provide ease of use
and familiarity, allowing players to fund their accounts easily.
For those preferring anonymity, cryptocurrencies such as Bitcoin stand out as
a fantastic choice, given their decentralized nature and encryption protocols.
Incentives play a significant role in attracting participants.
Many platforms provide generous welcome bonuses, often in the form of matched deposits and free spins, rewarding newcomers when they create an account.
Reload bonuses are also common, offering additional funds on subsequent
deposits, which enhances the gaming experience and increases session length.
Cashback offers are particularly advantageous, allowing users to recover a portion of their
losses during a specified period. Loyalty programs further enhance engagement, granting points for every wager made, which can be
exchanged for bonuses or exclusive access to events.
Many sites cater specifically to local preferences, ensuring promotions resonate well with players from this region.
Choosing safe payment methods alongside attractive
bonuses not only elevates the overall experience but also fosters a secure and enjoyable gaming environment.
Being informed about the available options and incentives empowers users to
make choices that align with their preferences while enjoying their favorite
activities.
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