有朝代書：桃園2胎房貸,八德市二胎,二胎代書,八德市貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,八德市小額信貸,借錢指南,土地貸款,八德市建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,八德市民間二胎,桃園小額貸款
有朝代書借錢網-桃園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,中壢房貸轉增貸,桃園當舖,新竹房地二胎貸款,桃園二胎貸款,龍潭轉貸降息,買車換現金,彰化小額借款,台中融資借貸,霧峰二胎貸款,桃園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。
A watch is one of the few items of jewelry that can be worn by men of all ages and social backgrounds.
Super-Duper website! I am loving it!! Will be back later to read some more. I am bookmarking your feeds also
You’ve made some good points there. I looked on the internet for more information about the issue and found most individuals will go along with your views on this website.
After checking out a handful of the blog posts on your blog, I really appreciate your way of blogging. I book-marked it to my bookmark site list and will be checking back soon. Take a look at my website too and tell me what you think.
Way cool! Some extremely valid points! I appreciate you writing this article plus the rest of the site is very good.
After study many of the web sites with your internet site now, and i also genuinely such as your technique of blogging. I bookmarked it to my bookmark site list and you will be checking back soon. Pls have a look at my site at the same time and figure out if you agree.
I’m glad to become a visitor in this pure site, regards for this rare info!
When I originally commented I clicked the -Notify me when new surveys are added- checkbox and today if a comment is added I am four emails with the exact same comment. Is there any way you can eliminate me from that service? Thanks!
I blog frequently and I genuinely appreciate your information. This article has truly peaked my interest. I’m going to bookmark your website and keep checking for new details about once per week. I opted in for your RSS feed as well.
I’m impressed, I must say. Rarely do I come across a blog that’s equally educative and engaging, and let me tell you, you’ve hit the nail on the head. The issue is something that too few folks are speaking intelligently about. I am very happy that I found this during my search for something regarding this.
Hi, I do think this is a great website. I stumbledupon it 😉 I’m going to return once again since I book-marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.
I like reading an article that can make men and women think. Also, thanks for allowing me to comment.
One would enterprise to say In terms of underestimating the crucial role of organization communication pushed from the top reaching all other ranges, visit failed turnaround enterprises and ask employees and executives concerning the effectiveness of communication previous to, during and after the change!
I am really impressed together with your writing skills as smartly
as with the layout in your blog. Is that this a paid topic or did you customize it yourself?
Anyway stay up the nice high quality writing, it’s rare to see a great weblog like this one
nowadays. TikTok ManyChat!
An intriguing discussion is worth comment. I do believe that you need to publish more about this issue, it may not be a taboo matter but usually folks don’t speak about such subjects. To the next! Kind regards!
The weight of your hair will pull the curls down and make them into lovely spirals.
This design does the job with a masterful use of natural and industrial materials.
Right here is the perfect site for anyone who wishes to find out about this topic. You realize a whole lot its almost hard to argue with you (not that I actually will need to…HaHa). You certainly put a new spin on a subject which has been written about for ages. Wonderful stuff, just wonderful.
I like the posts on this site… I’ll be coming back for sure.
Main Donald Douglas Patterson (2264), Australian Employees Corps.
Hmm, I never thought about it that way. I do see your point but I think many will disagree
While U.K.’s Dexy’s Midnight Runners was releasing “Come On Eileen,” there have been tons of different ’80s hits from the U.K.
Teaching schoolchildren how to show sunflower seeds into biodiesel gasoline.
In respect of interpretation of terms contained in DTA Settlement the Indian Earnings-tax Act contains a special provision which is obtainable to those Non- residents who want to have advance ruling on a matter of law or fact in relation to a transaction undertaken/proposed to be undertaken by them.
Introducing to you the most prestigious online entertainment address today. Visit now to experience now!
Perhaps you should update the php server on your webhost, WordPress is kinda slow.”;`-,
well, if you really want to be healthy, i believe that veggan foods are the best ,.
Pretty section of content. I just stumbled upon your website and in accession capital to assert that I get actually enjoyed account your blog posts. Anyway I will be subscribing to your feeds and even I achievement you access consistently quickly.
The next occasion Someone said a weblog, I am hoping that this doesnt disappoint me as much as this. Come on, man, I know it was my choice to read, but I just thought youd have something intriguing to talk about. All I hear is a couple of whining about something you could fix when you werent too busy trying to find attention.
I precisely needed to say thanks once more. I do not know the things that I could possibly have created in the absence of those smart ideas documented by you on my concern. Completely was a alarming matter in my position, nevertheless coming across the well-written mode you solved it forced me to jump with joy. I am grateful for your information and even hope that you find out what a great job that you are accomplishing educating men and women all through your site. I am certain you have never got to know any of us.
Aw, this was the actually high quality publish. Theoretically Let me write such as this as well??§o? taking time as well as actual work to make a good write-up! but what can I say! We put things off a lot as well as by no means appear to obtain some thing carried out.
After I initially commented I appear to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I receive 4 emails with the exact same comment. Is there a means you are able to remove me from that service? Thank you.
internet money is always good if you know how to earn them. earning it is another story though**
thumbs up if your watching this from the future cause your a time traveler
I made blue cupcakes with chocolate frosting to announce to my in laws. They loved the idea. they had to peel the paper off to reveal the color.
Hi there! I simply would like to give you a huge thumbs up for the excellent information you’ve got right here on this post. I will be returning to your web site for more soon.
Introducing to you the most prestigious online entertainment address today. Visit now to experience now!
Hello there, have you ever in your life thought about to publish regarding Nintendo or PSP?
You are so cool man, the post on your blogs are super great.:~.~~
You need to be a part of a contest for one of the most useful websites online. I will highly recommend this blog!
Substantially, the article is in reality the freshest on this noteworthy topic. I concur with your conclusions and will certainly eagerly look forward to your forthcoming updates. Saying thanks definitely will not just be sufficient, for the perfect lucidity in your writing. I can right away grab your rss feed to stay abreast of any updates. Fabulous work and also much success in your business endeavors!
Hi! This is my first visit to your blog! We are a group of volunteers and starting a new initiative in a community in the same niche. Your blog provided us beneficial information to work on. You have done a extraordinary job!
Hey, you used to write fantastic, but the last few posts have been kinda boring… I miss your tremendous writings. Past several posts are just a little out of track! come on!
I’d like to thank you for the efforts you’ve put in penning this website. I’m hoping to check out the same high-grade content from you later on as well. In truth, your creative writing abilities has encouraged me to get my own website now 😉
I couldn’t resist commenting. Well written.
When I originally commented I clicked the -Notify me when new surveys are added- checkbox and today every time a comment is added I purchase four emails with the same comment. Is there in whatever way you can eliminate me from that service? Thanks!
When I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I get four emails with the same comment. There has to be a way you can remove me from that service? Kudos.
I went over this internet site and I believe you have a lot of fantastic information, saved to favorites (:.
certainly like your web site but you have to take a look at the spelling on quite a few of your posts. A number of them are rife with spelling issues and I in finding it very bothersome to tell the reality on the other hand I’ll certainly come again again.
Very nice write-up. I absolutely love this website. Keep writing!