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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。
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I started by swapping out the usual cinnamon in my cinnamon roll recipe with this Ceylon powder. Let me tell you, those rolls were on another level. They had this amazing depth of flavor that made them taste like something you’d get at a fancy bakery. I also tried adding it to my morning oatmeal, and it was like a cozy hug in a bowl. It made my breakfast feel so much more special.
I didn’t stop there—I also explored some Ceylon Cinnamon Products. I grabbed a few cinnamon sticks and even tried some cinnamon-infused teas. The sticks were perfect for making mulled wine. They added this deep, warming flavor that made my drink feel like a holiday in a glass. And the cinnamon teas? Totally relaxing and perfect for winding down at the end of the day.
All in all, adding Ceylon cinnamon to my kitchen has been a game-changer. It’s amazing how a little change in spice can make such a big difference in flavor. If you haven’t tried Ceylon cinnamon yet, you definitely should. It’s been a fun and tasty discovery for me, and I can’t wait to keep experimenting with it!
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Hey there, cinnamon lovers! If you’re as obsessed with Ceylon cinnamon toothpicks as I am, you’ve got to check out this incredible resource I found. It’s like a candy shop for anyone who appreciates the magic of these little sticks.
So, what makes these toothpicks so special? For starters, they’re made from genuine Ceylon cinnamon—none of that common Cassia stuff. The difference is like night and day; Ceylon cinnamon has this sweet, delicate flavor that just elevates your toothpick game. Whether you’re into a subtle cinnamon kiss or a more intense burst of flavor, this site has you covered.
But here’s the kicker: it’s not just about the products. This place goes all out with tons of info on why Ceylon cinnamon is so awesome. You’ll find all the juicy details on its benefits, like how it helps with oral health and freshens up your breath. Plus, their blog is packed with creative tips on how to use these toothpicks in everyday life—think fancy cocktail garnishes or cool homemade gifts.
So if you’re curious about Ceylon cinnamon toothpicks or just want to dive deeper into the world of these spicy little wonders, this site is your new best friend. It’s got everything you need, from top-quality products to all the background info you could want. Trust me, it’s worth a visit if you’re ready to up your toothpick game!
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Lately, I’ve been trying some Ceylon Cinnamon Recipes because I heard this stuff is the real deal when it comes to cinnamon. I got my hands on some Ceylon Cinnamon Powder, and wow, the difference is huge! The moment I opened the jar, the aroma was incredible—way richer and more complex than the regular cinnamon I usually use.
I started by swapping out the usual cinnamon in my cinnamon roll recipe with this Ceylon powder. Let me tell you, those rolls were on another level. They had this amazing depth of flavor that made them taste like something you’d get at a fancy bakery. I also tried adding it to my morning oatmeal, and it was like a cozy hug in a bowl. It made my breakfast feel so much more special.
I didn’t stop there—I also explored some Ceylon Cinnamon Products. I grabbed a few cinnamon sticks and even tried some cinnamon-infused teas. The sticks were perfect for making mulled wine. They added this deep, warming flavor that made my drink feel like a holiday in a glass. And the cinnamon teas? Totally relaxing and perfect for winding down at the end of the day.
All in all, adding Ceylon cinnamon to my kitchen has been a game-changer. It’s amazing how a little change in spice can make such a big difference in flavor. If you haven’t tried Ceylon cinnamon yet, you definitely should. It’s been a fun and tasty discovery for me, and I can’t wait to keep experimenting with it!
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Hey there, cinnamon lovers! If you’re as obsessed with Ceylon cinnamon toothpicks as I am, you’ve got to check out this incredible resource I found. It’s like a candy shop for anyone who appreciates the magic of these little sticks.
So, what makes these toothpicks so special? For starters, they’re made from genuine Ceylon cinnamon—none of that common Cassia stuff. The difference is like night and day; Ceylon cinnamon has this sweet, delicate flavor that just elevates your toothpick game. Whether you’re into a subtle cinnamon kiss or a more intense burst of flavor, this site has you covered.
But here’s the kicker: it’s not just about the products. This place goes all out with tons of info on why Ceylon cinnamon is so awesome. You’ll find all the juicy details on its benefits, like how it helps with oral health and freshens up your breath. Plus, their blog is packed with creative tips on how to use these toothpicks in everyday life—think fancy cocktail garnishes or cool homemade gifts.
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Lately, I’ve been trying some Ceylon Cinnamon Recipes because I heard this stuff is the real deal when it comes to cinnamon. I got my hands on some Ceylon Cinnamon Powder, and wow, the difference is huge! The moment I opened the jar, the aroma was incredible—way richer and more complex than the regular cinnamon I usually use.
I started by swapping out the usual cinnamon in my cinnamon roll recipe with this Ceylon powder. Let me tell you, those rolls were on another level. They had this amazing depth of flavor that made them taste like something you’d get at a fancy bakery. I also tried adding it to my morning oatmeal, and it was like a cozy hug in a bowl. It made my breakfast feel so much more special.
I didn’t stop there—I also explored some Ceylon Cinnamon Products. I grabbed a few cinnamon sticks and even tried some cinnamon-infused teas. The sticks were perfect for making mulled wine. They added this deep, warming flavor that made my drink feel like a holiday in a glass. And the cinnamon teas? Totally relaxing and perfect for winding down at the end of the day.
All in all, adding Ceylon cinnamon to my kitchen has been a game-changer. It’s amazing how a little change in spice can make such a big difference in flavor. If you haven’t tried Ceylon cinnamon yet, you definitely should. It’s been a fun and tasty discovery for me, and I can’t wait to keep experimenting with it!
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