有朝代書：桃園2胎房貸,楊梅鎮二胎,二胎代書,楊梅鎮貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,楊梅鎮小額信貸,借錢指南,土地貸款,楊梅鎮建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,楊梅鎮民間二胎,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。
I could not refrain from commenting. Well written!
The next time I read a blog, I hope that it doesn’t disappoint me just as much as this particular one. I mean, Yes, it was my choice to read, nonetheless I really believed you would probably have something helpful to say. All I hear is a bunch of complaining about something you can fix if you weren’t too busy searching for attention.
Oh my goodness! Incredible article dude! Many thanks, However I am experiencing problems with your RSS. I don’t know why I cannot join it. Is there anyone else having identical RSS issues? Anybody who knows the solution will you kindly respond? Thanx.
Avoid confusion by preserving the six basic kinds in mind.
Saved as a favorite, I love your web site.
Next time I read a blog, I hope that it won’t disappoint me just as much as this particular one. After all, I know it was my choice to read through, nonetheless I truly thought you would probably have something helpful to say. All I hear is a bunch of whining about something you could possibly fix if you were not too busy searching for attention.
I assume this careful technique might present similar leads to checkers, except : Checkers is a lot more drawish, which compresses elo, and would make slow development slower and more durable to measure.
Outsourcing a part or the whole design process requires precise planning and efficient management.
This website really has all of the information and facts I wanted concerning this subject and didn’t know who to ask.
Excellent article! We will be linking to this particularly great article on our website. Keep up the good writing.
You’ve made some really good points there. I looked on the net for more information about the issue and found most individuals will go along with your views on this web site.
Poised, chic, and somewhat exotic, the subsequent nation contemporary type is sure to stir your imagination.
Major David Ralph Potts (501678), Royal Regiment of Artillery.
Your style is unique in comparison to other folks I’ve read stuff from. Many thanks for posting when you’ve got the opportunity, Guess I will just bookmark this page.
The very next time I read a blog, Hopefully it does not fail me just as much as this particular one. I mean, I know it was my choice to read through, however I truly believed you’d have something helpful to talk about. All I hear is a bunch of complaining about something that you can fix if you weren’t too busy looking for attention.
Park prisoners : the untold story of Western Canada’s nationwide parks, 1915-1946.
When I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and now each time a comment is added I recieve four emails with the exact same comment. Is there an easy method you are able to remove me from that service? Cheers.
You’re so interesting! I do not suppose I have read through a single thing like this before. So good to find another person with genuine thoughts on this issue. Really.. thanks for starting this up. This site is something that is required on the web, someone with a little originality.
This helps to spread the risk in case a particular sector performs badly that day.
Right here is the perfect blog for anyone who really wants to find out about this topic. You understand a whole lot its almost tough to argue with you (not that I really will need to…HaHa). You definitely put a fresh spin on a topic which has been discussed for decades. Wonderful stuff, just excellent.
This website was… how do I say it? Relevant!! Finally I have found something which helped me. Thanks!
Hello there! I could have sworn I’ve visited this blog before but after going through many of the posts I realized it’s new to me. Anyhow, I’m definitely pleased I discovered it and I’ll be book-marking it and checking back often!
The Maldives, which was formally recognized because the Republic of Maldives, is a tropical nation made up of a chain of 26 natural atolls.
Everything is very open with a clear description of the issues. It was really informative. Your site is very useful. Thanks for sharing.
Pretty! This has been an extremely wonderful article. Thanks for supplying this information.
By the end of the day, German positions in Normandy will be bombarded with more than 175,000 troops, 600 warships, and nearly 10,000 bombers and other warplanes.
I would like to thank you for the efforts you have put in writing this site. I really hope to view the same high-grade blog posts by you later on as well. In truth, your creative writing abilities has motivated me to get my own, personal website now 😉
Excellent post! We are linking to this great post on our site. Keep up the great writing.
This is a topic that is close to my heart… Thank you! Where are your contact details though?
An interesting discussion is worth comment. I believe that you need to write more on this issue, it might not be a taboo matter but generally people do not talk about such issues. To the next! Cheers.
Your style is unique in comparison to other folks I have read stuff from. Thanks for posting when you have the opportunity, Guess I’ll just bookmark this site.
The next time I read a blog, I hope that it doesn’t disappoint me as much as this one. After all, Yes, it was my choice to read, nonetheless I truly thought you would have something interesting to talk about. All I hear is a bunch of crying about something that you could possibly fix if you were not too busy searching for attention.
I must thank you for the efforts you have put in writing this site. I really hope to see the same high-grade content from you later on as well. In fact, your creative writing abilities has encouraged me to get my own, personal site now 😉
A few fashionable and cheap meals to feed a crowd embrace sandwiches, pizza, scorching dogs and tacos.
After I initially commented I seem to have clicked on the -Notify me when new comments are added- checkbox and from now on every time a comment is added I receive four emails with the exact same comment. Perhaps there is a means you are able to remove me from that service? Many thanks.
An impressive share! I have just forwarded this onto a coworker who was conducting a little research on this. And he actually bought me dinner because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanx for spending some time to discuss this subject here on your site.
Good post. I learn something new and challenging on blogs I stumbleupon on a daily basis. It will always be exciting to read articles from other writers and practice something from their websites.
An intriguing discussion is definitely worth comment. I do think that you need to write more on this subject matter, it may not be a taboo matter but usually people don’t discuss such issues. To the next! Cheers.
This is a topic that is close to my heart… Many thanks! Exactly where can I find the contact details for questions?
You’ve made some decent points there. I looked on the internet to find out more about the issue and found most people will go along with your views on this site.
That is a good tip especially to those new to the blogosphere. Brief but very precise info… Thanks for sharing this one. A must read article.
Good article! We are linking to this great content on our site. Keep up the good writing.
Great info. Lucky me I found your blog by accident (stumbleupon). I have saved as a favorite for later.
I quite like reading through a post that will make men and women think. Also, thanks for allowing for me to comment.
Howdy! This article couldn’t be written any better! Going through this post reminds me of my previous roommate! He always kept talking about this. I am going to forward this article to him. Fairly certain he’ll have a very good read. I appreciate you for sharing!
Way cool! Some very valid points! I appreciate you penning this post and the rest of the site is really good.
Hi! I simply want to give you a big thumbs up for the excellent information you have got right here on this post. I’ll be returning to your site for more soon.
This is a topic that is close to my heart… Best wishes! Exactly where can I find the contact details for questions?
The major distinction is that as an alternative of making use of to the government, mother and father apply to their alternative of private lender.
An interesting discussion is definitely worth comment. I do think that you need to write more on this subject, it might not be a taboo matter but generally folks don’t discuss these subjects. To the next! Many thanks.