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。
Excellent article. I am facing some of these issues as well..
Your point of view caught my eye and was very interesting. Thanks. I have a question for you.
Once I originally commented I clicked the -Notify me when new feedback are added- checkbox and now every time a remark is added I get four emails with the same comment. Is there any means you possibly can remove me from that service? Thanks!
Hey there, You have done an excellent job. I’ll certainly digg it and personally suggest to my friends. I am confident they will be benefited from this site.
Cool text dude, keep up the good work, just shared this with the mates
This is a topic that’s close to my heart… Take care! Exactly where are your contact details though?
Introducing to you the most prestigious online entertainment address today. Visit now to experience now!
I just read your article, i recently came across it on bing, interesting read, i’ll sure be coming back to this blog again.
Walking out and about into the Online marketing arena can be quite a overwhelming endeavor for lawyer search engine optimization that novice internet business small business owner. These we outline twelve with a vey important details that will keep in mind making plans for the first plan.
Comfortabl y, the article is really the sweetest on this precious topic. I concur with your conclusions and will certainly eagerly look forward to your upcoming updates. Simply just saying thanks will certainly not simply be sufficient, for the phenomenal clarity in your writing. I will certainly directly grab your rss feed to stay informed of any updates. Pleasant work and also much success in your business endeavors!
After I originally commented I appear to have clicked on the -Notify me when new comments are added- checkbox and from now on each time a comment is added I get 4 emails with the exact same comment. Perhaps there is an easy method you are able to remove me from that service? Appreciate it.
heya. I notice that you’re most likely interested in building back-links and stuff. I’m promoting scrapebox auto approve link lists. If you’d like to trade ?
You have to rely on your self . That’s the secrets involving success.
I saw one more thing relating to this on another blog. Youve obviously spent time on this. Congratulations!
It’s nearly impossible to find well-informed people in this particular topic, but you sound like you know what you’re talking about! Thanks
This website was… how do you say it? Relevant!! Finally I’ve found something which helped me. Kudos.
I was able to find good advice from your blog articles.
I blog quite often and I genuinely appreciate your content. This article has really peaked my interest. I am going to book mark your site and keep checking for new information about once a week. I opted in for your RSS feed too.
Introducing to you the most prestigious online entertainment address today. Visit now to experience now!
Some truly wonderful work on behalf of the owner of this internet site , perfectly great articles .
Duplicity is a nice movie,i like the story and also the actors.,
I really like your site.. excellent colorations & motif. Would people design and style this fabulous website your self or would you actually hire an attorney to acheive it available for you? Plz answer while I!|m trying to style my own website and would choose to learn wherever ough acquired the following coming from. thank you
I have to thank you for the efforts you have put in penning this site. I am hoping to check out the same high-grade content by you in the future as well. In truth, your creative writing abilities has motivated me to get my very own blog now 😉
You’re so cool! I don’t suppose I’ve read through a single thing like that before. So great to find someone with some unique thoughts on this subject matter. Really.. thanks for starting this up. This site is one thing that is required on the web, someone with a bit of originality.
we have a great variety of hand tools at home, we always buy it from the local home depot`
Thanks for taking the time to discuss this, I feel strongly about it and really like learning more on this matter. If possible, as you gain expertise, would you mind updating your blog page with more data? It’s extremely helpful for me.
Only a few blogger would discuss this topic the way you do.~*.’,
You need to take part in a contest for one of the greatest websites on the internet. I am going to recommend this website!
Does the color of Turquoise stone matter?
Excellent web site you have got here.. It’s hard to find good quality writing like yours these days. I seriously appreciate people like you! Take care!!
This is the right web site for anyone who really wants to find out about this topic. You understand so much its almost hard to argue with you (not that I actually will need to…HaHa). You definitely put a brand new spin on a subject that’s been discussed for ages. Great stuff, just wonderful.
A fascinating discussion is worth comment. I think that you ought to write more about this subject, it might not be a taboo subject but usually people do not speak about such issues. To the next! Many thanks!
I was able to find good advice from your articles.
I was able to find good information from your articles.
Good day! I could have sworn I’ve visited your blog before but after looking at some of the articles I realized it’s new to me. Nonetheless, I’m definitely pleased I found it and I’ll be bookmarking it and checking back frequently.
I really like it when people get together and share views. Great site, continue the good work.
This was a great read! Your insights are truly helpful and make complex topics easy to understand. Looking forward to more!
This works especially effectively for beds that are tucked into an alcove, although you’ll be able to at all times hang a second curtain at the head or foot of the mattress to function an additional wall and shut off the fort.
Having read this I believed it was really enlightening. I appreciate you spending some time and effort to put this informative article together. I once again find myself spending way too much time both reading and leaving comments. But so what, it was still worth it.
The very next time I read a blog, I hope that it doesn’t disappoint me just as much as this particular one. I mean, I know it was my choice to read through, but I truly believed you would probably have something useful to say. All I hear is a bunch of moaning about something you can fix if you weren’t too busy looking for attention.
Hey i Love your work i really appreciate that. Also take a look at our special Gym flooring dubai
I love it when folks get together and share thoughts. Great site, keep it up!
You need to be a part of a contest for one of the most useful blogs on the internet. I most certainly will recommend this blog!
Fantastic post! The information you shared is really valuable and well-explained. Thanks for putting this together!
The Pupil Loans Company says graduates in England go away college with common debts of £48,470.
I enjoy reading through an article that will make men and women think. Also, many thanks for allowing for me to comment.
And what if you can buy/promote/remit forex at reside charges that are updated in actual time quite than paying by your nostril to cover the exchanger’s earnings and losses cleverly hidden in the every day charges.
This website was… how do you say it? Relevant!! Finally I have found something that helped me. Thanks a lot.
As a substitute of crowding right into a tea parlor, head to a close by seashore or lake, or something extra unorthodox, like a ski lodge or a campground.
I blog often and I seriously thank you for your content. Your article has really peaked my interest. I am going to take a note of your website and keep checking for new details about once a week. I subscribed to your RSS feed as well.