JdcardC܇JϢ֧Ʊ //danaherbertts.shop/category/financial-knowledge/ Mon, 03 Mar 2025 06:36:35 +0000 zh-TW hourly 1 //wordpress.org/?v=6.7.2 //danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png welandXgJЈ܇m //danaherbertts.shop/category/financial-knowledge/ 32 32 С~XJƽ̨f //danaherbertts.shop/credit-card-interest-rates/ Mon, 23 Dec 2024 04:30:08 +0000 //danaherbertts.shop/?p=57104 循環利息怎麼算？算法及信用影響都在這篇 信用卡是非常便利的消費工具，但如果你未能按時清償帳款，或是每期都只繳最 […]

這篇文章 循環利息怎麼算？算法及信用影響都在這篇 最早出現於 大揚代書?/p> ]]>

循環利息怎麼算？算法及信用影響都在這篇

循環利息怎麼計算？計算公式及影響因素報你?- 大揚代書

信用卡是非常便利的消費工具，但如果你未能按時清償帳款，或是每期都只繳最低應繳金額，你就必須額外支付信用卡循環利息帶來的龐大卡費！信用卡循環利息多少？該如何計算信用卡循環利息？快讓大揚代書帶你了解吧！

內容目錄

循環利息是什麼？

若是持卡人使用信用卡時，無法在信用卡繳款截止日前全額還清款項，未還清的餘額就會產生循環利息，並在下期帳單到來時納入新的未清償款項?/span>。須留意的是循環利息採以日計息的方式，各家銀行的信用卡循環利息約落在2%?5%之間，金管會則有規定信用卡循環利息最高不超過15%?/p>

循環利息怎麼算？影響因素有哪些？

信用卡循環利息的計算公式為：計息金額×循環利率（天數?65）×計息天?/span>

影響循環利息的因素為以下4點：

  1. 未還款金額多寡：未還款金額的多寡是影響循環利息的關鍵因素，若持卡人未能在結算日前全額清償卡費，那麼未還款金額就會留在帳戶中產生循環利息，未還金額越高，產生的利息也就越多?/li>
  2. 未還款項的天數：若是持卡人未能在帳單結算日前繳清款項，那麼產生循環利息的天數就是以帳單結算日到最後還款日來計算?span class="f-point">天數越長，循環利息就越高?/li>
  3. 循環利息的起息日?/strong>每間銀行計算循環利息的起算點都有不同，信用卡循環利息的起息日會區分為消費日、入帳日、結帳日及繳款截止日等，其中以消費日作為起息日，計息時間最長、利息也越高?/li>
  4. 信用卡的日息利率?/strong>年利率除?65?60，得到的利率就是每日利率?span class="f-point">信用卡每日利率越高，產生的循環利息也會越?/span>?/li>
影響循環利息4大因素－大揚代書

若想了解自己的信用卡循環利息，可利用發卡銀行提供的循環利息計算器進行試算，就可知道自己當前的循環利率是多少?/p>

循環利息注意事項

若你需要用循環利率來計算利息，一定要特別注意以下2件事?/p>

  1. 利息計算日期依各銀行而定?/strong>循環利率的計算天數要依照各銀行機構設定的起息日來計算，每月都會不斷累加?/li>
  2. 未達「最低應繳金額」違約金?/strong>信用卡帳單都會列出當期的最低應繳金額，若是繳納金額低於最低門檻，下期帳單除了未清償金額，還要加上循環利息及違約金?/li>

提醒你，若是持續積欠帳單，或每月繳款金額都沒有達到最低門檻，就會對個人信用評分及持卡權益造成影響?/p>

?延伸閱讀 ?a href="//danaherbertts.shop/credit-score/" target="_blank" rel="noopener">信用評分是什麼？9項要點帶你深入了解！

如何避免啟動循環利率?/h2>

準時繳納信用卡帳?/h3>

當持卡數量變多，民眾經常會忘記信用卡帳單的繳款日，而一旦超過繳款期限，就會啟動循環利息?span class="f-point">建議特別註記手中的信用卡帳單繳款期限，或將手中長期閒置的卡片進行信用卡剪?/span>，就可以減少啟動信用卡循環利率的情況?/p>

?延伸閱讀 ?a href="//danaherbertts.shop/credit-card-cancellation/" target="_blank" rel="noopener">信用卡剪卡如何剪？剪卡前一定要看?點！

避免只繳納最低應?/h3>

若你每個月都有按時還款，但每個月都只付最低應繳金額，這些剩餘的款項同樣也會啟動信用卡循環利率?span class="f-point">如果你有只繳最低應繳的習慣，建議透過信用卡分期來慢慢還清債務，別讓未繳餘額一直生出循環利?/span>?/p>

養成良好的消費習?/h3>

建議持卡人每月都要做好財務規劃，並在刷卡時事先確認生活費的餘額，才不會過度消費，衍生出巨大的財務負擔?/p>

如何避免啟動循環利率－大揚代? srcset=

循環利息常見問題

信用卡對銀行而言屬於高風險的無擔保品借款，因此計算的利率也會比較高?/p>

會，一旦持卡人開始有循環利息信用評分也會降低，這是因為使用信用卡循環利息表示持卡人的支出大於收入，這會直接影響到信用分數?/p>

每月信用卡費只繳最低應繳，未償還的金額就會依照循環利息來計算，雖然不用付違約金，但須繳納每月利息加上下月本金，累計下來也是筆不小的數目，建議不可每月都只繳最低應繳金額喔?/p>

結語

以上就是循環利息的介紹，大揚代書也要提醒你，如果真的不幸因循環利息而背負沉重的債務，建議盡早申請整合負債，用低利率的貸款來償還高利債務，才不會影響到生活喔?/p>

大揚代書24H免費諮詢

我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p>

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這篇文章 循環利息怎麼算？算法及信用影響都在這篇 最早出現於 大揚代書?/p> ]]> ֧Ʊãʮf𼱽Jdcard18qX //danaherbertts.shop/farmland-changes-to-buildingland/ Thu, 05 Dec 2024 02:42:04 +0000 //danaherbertts.shop/?p=56811 農地變建地怎麼辦理？條件、流程看這篇就知道！ 2025?月起新的國土計畫法上路，農地無法再透過申請變更土地?[…]

這篇文章 農地變建地怎麼辦理？條件、流程看這篇就知道！ 最早出現於 大揚代書?/p> ]]>

農地變建地怎麼辦理？條件、流程看這篇就知道！

農地變建地怎麼辦理？條件、流程看這篇就知道！－大揚代? srcset=

2025?月起新的國土計畫法上路，農地無法再透過申請變更土地種類，將大幅影響農地價值，也因此許多農地持有者著急想將農地變建地，但農地變建地容易嗎？應符合哪些條件？相關的申請方法?strong>大揚代書來告訴你?/p>

內容目錄

農地變建地的條件

想要將農地變更為建地，首先須確認土地種類為農。確認完後會依土地是否在都市計畫區內，有不同的變更條件?

土地在都市計畫區?/h3>

農地變建地法規應根據都市計畫農業區變更使用審議規範?2條，以鄰近已發展地區或規劃為發展者優先變更，且符合以下條件：

  • 直轄市、省轄市及縣轄市計畫地區，土地面積不得小3公頃?/li>
  • 鄉街計畫、鎮計畫及特定區計畫地區，土地面積不得小?公頃?/li>
  • 若土地周圍被自然地形或人為設施阻隔，則沒有面積限制?/li>

土地在非都市計畫區?/h3>

須符合以?個條件其中一項：

  • 被道路、水溝、建地、學校所包圍的農地，可變更面積為363坪以下，若因土地完整性的規劃所需，則可放寬到400坪以下?/li>
  • 農地地形凹入周圍建地內，凹入缺口未超?0公尺，則可變更面積為363坪以下，若因土地完整性的規劃所需，則可放寬到400坪以下?/li>
  • 若不符合以上條件但農地上有老舊建物者，仍可變更為農地。可變更面積以老舊建物所占面積為準，若有相關證明文件，最多可增加40%?/li>

如果想將農地作為其他特殊用地來使用，如：幼稚園、安養院、丁種工業用地等，須經專案核准才可變?/span>?/p>

農地變建地應準備哪些文件?/h2>

土地在都市計畫區?/h3>

  • 土地使用同意?/li>
  • 變更都市計畫書圖

土地在非都市計畫區?/h3>

  • 其他相關文件
  • 非都市土地變更編定申請書
  • 土地使用計畫配置圖及位置?/li>
  • 土地登記（簿）謄本及地籍圖謄?/li>
  • 興辦事業之目的事業主管機關核准文?/li>
  • 申請變更編定同意書（土地所有權人親自申請則免附?/li>
農地變建地應備文件－大揚代書

農地變建地流?/h2>

  1. 申請?/strong>民眾向各縣市地政局、地政事務所提出變更土地使用分區?/li>
  2. 分割?/strong>確認建地與農地達到最小法定面積，否則須進行農地分割?/li>
  3. 審核?/strong>由地政機關審核文件，並至現場勘驗，確認有無違建地上物?/li>
  4. 通過?/strong>若審查、勘驗都通過，農地就可以變更使用分區為建地?/li>

農地變建地有什麼好處？

將農地轉為建地後有以?項優點：

  • 土地用途增加：農地改為建地後，除了原有建物外，可增加建築活動的種類，如建造倉庫、加工廠等?/li>
  • 可提升建蔽率?/strong>原本的農地建蔽率僅有10%，而將農地變更為建地後，建蔽率最高可?0%，可有效增加土地上興建建物的範圍?/li>
  • 增加土地價值：由於土地用途增加，土地的價格也會大幅提高?/li>
農地變建地有什麼好處－大揚代書

農地變建地常見問?/h2>

申請農地變建地不僅受?a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=D0070012&flno=30">都市計畫法臺灣省施行細則?0?/a>及諸多法規的限制，主管機關針對土地面積、現況的審查也會較為嚴格，且申請時間較長，整體來說非常不容易?/p>

申請農地變更使用面積若在1公頃以下者，要繳納規費每?000元；超過1公頃者，每超?.5公頃要加收台?500元?/p>

依照個案情況而有不同，一般來?span class="f-point">約需?.5??/span>?/p>

結語

以上就是關於農地變建地的介紹，距離新的國土計畫法上線日期已越來越近，提醒有需要的民眾要盡快申請，如果有貸款需求，也歡迎向大揚代書申貸，無論是農地?a href="//danaherbertts.shop/building-land-financing-loan/" target="_blank" rel="noopener">建地貸款皆可辦理，幫助你活化名下資產?/p>

大揚代書24H免費諮詢

我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p>

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這篇文章 農地變建地怎麼辦理？條件、流程看這篇就知道！ 最早出現於 大揚代書?/p> ]]> 學貸還款怎麼做？看完這篇幫助你還款更順利?/title> <link>//danaherbertts.shop/student-loan-payment/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Tue, 19 Nov 2024 07:10:46 +0000</pubDate> <category><![CDATA[生活理財]]></category> <category><![CDATA[學貸一個月要還多少]]></category> <category><![CDATA[學貸可以分幾期]]></category> <category><![CDATA[學貸還款試算]]></category> <category><![CDATA[就學貸款還款時間]]></category> <category><![CDATA[就學貸款還款餘額查詢]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=56510</guid> <description><![CDATA[<p>學貸還款怎麼做？看完這篇幫助你還款更順利?許多人會申請學貸來幫自己減輕就學時的經濟壓力，但出社會後開始進行?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/student-loan-payment/">學貸還款怎麼做？看完這篇幫助你還款更順利?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="56510" class="elementor elementor-56510" data-elementor-post-type="post"> <section class="elementor-section 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<p>許多人會申請學貸來幫自己減輕就學時的經濟壓力，但出社會後開始進行學貸還款卻對還款方式一知半解，究竟學貸一個月要還多少？學貸可以分幾期？關於學貸還款的相關問題，讓<strong>大揚代書</strong>一次告訴你?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-627579e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="627579e4" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-63ec32e6" data-id="63ec32e6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-113967e1 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="113967e1" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1118c1f0" data-id="1118c1f0" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-7902b4e0 elementor-widget elementor-widget-heading" data-id="7902b4e0" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-283f6909 elementor-widget elementor-widget-text-editor" data-id="283f6909" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 學貸的全名是就學貸款，指的是<span class="f-point">學生向政府申請貸款，以支付學雜費、書籍費等在學期間需要繳納的費用。畢?年後才會開始償還貸款</span>。目前承辦就學貸款的銀行有4間：台灣銀行、台北富邦商業銀行、高雄銀行、土地銀行? </div> </div> <div class="elementor-element elementor-element-1c1e0dc3 elementor-widget elementor-widget-heading" data-id="1c1e0dc3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款時間</h2> </div> </div> <div class="elementor-element elementor-element-281b0e29 elementor-widget elementor-widget-text-editor" data-id="281b0e29" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 那麼就學貸款還款時間是怎麼計算的呢？學貸是以每申請1學期的學貸，就要?年內償還完學費本金來計算。若<span class="f-point">申請8個學期的就學貸款，就要在8年內，也就是96個月內還完貸?/span>。對於國內非在職專班的學生，以簽訂借據日為起算日，完成學業?年的次日開始還款；在職專班學生則於學業完成後次日開始攤還本息? </div> </div> <div class="elementor-element elementor-element-42e71a5f elementor-widget elementor-widget-text-editor" data-id="42e71a5f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>有以?種情況者可在還款起算日前通知承貸銀行，再依規定還款?/p><ul><li><strong>服義務兵役者：</strong>可待服役期滿後償還?/li><li><strong>退學、休學者：</strong>於退學、休學開始日後滿1年的次日開始償還?/li><li><strong>參加教育實習者：</strong>於實習結束後?年的次日開始償還?/li><li><strong>繼續於國內就學者：</strong>待學業完成滿1年的次日開始償還?/li><li><strong>出國留學、定居或就業者：</strong>於出國前一次償還。若是成績優異獲政府考選、外國、大陸地區、港澳政府機構或學校提供留學獎助學金者，可在經過中央主管機關核准後，於最後教育階段學業完成再償還?/li><li><strong>無固定修業年限之專科以上進修學院（校）之在學學生?/strong>貸款期限屆滿後償還?/li></ul> </div> </div> <div class="elementor-element elementor-element-3a2b8ca5 elementor-widget elementor-widget-heading" data-id="3a2b8ca5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款方式</h2> </div> </div> <div class="elementor-element elementor-element-36f38d9a elementor-widget elementor-widget-text-editor" data-id="36f38d9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>在完成學?年後，申請人才會以本息攤還的方式開始還款，若發現自己有多餘現金，以下2個方法可幫助你盡快還款：</p> </div> </div> <div class="elementor-element elementor-element-236c6db elementor-widget elementor-widget-text-editor" data-id="236c6db" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li><strong>額外還本?/strong>若剛好有三節、年終、分紅等獎金，可申請額外還本?span class="f-point">透過減少本金的方法來降低利息</span>?/li> <li><strong>分號結清?/strong>一次清償某一學期的款項，清償完才能接著償還下個學期?/li> </ul> </div> </div> <div class="elementor-element elementor-element-4d877ba elementor-widget elementor-widget-text-editor" data-id="4d877ba" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>若就業後發現還款上有困難，可申請?種還款方案減輕負擔：</p> </div> </div> <div class="elementor-element elementor-element-78983cc elementor-widget elementor-widget-text-editor" data-id="78983cc" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>只繳息不還本?/strong>可向政府申請為期4年的只繳息期，期間申請人僅須負擔15%的利息，可趁此進行理財規劃及累積創業資本?/li><li><strong>放寬緩繳門檻：</strong>?span class="f-point">申請人薪資未?萬元即可申請</span>，緩繳期內無須繳納本金及利息，建議可與「只繳息不還本」的政策配合，最大程度減輕還款壓力?/li></ul> </div> </div> <div class="elementor-element elementor-element-76dfe89e elementor-widget elementor-widget-heading" data-id="76dfe89e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款繳費方式</h2> </div> </div> <div class="elementor-element elementor-element-5a7782fd elementor-widget elementor-widget-text-editor" data-id="5a7782fd" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>可透過6種繳費方式來繳款?/p><ul><li>跨行匯款</li><li>ATM轉帳</li><li>他行帳戶自動扣繳</li><li>銀行帳戶自動扣?/li><li>網路銀行、行動銀行繳?/li><li>臨櫃繳款（銀行、郵局?11、萊爾富?/li></ul> </div> </div> <div class="elementor-element elementor-element-8e7b111 elementor-widget elementor-widget-image" data-id="8e7b111" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="704" src="//danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment.png" class="attachment-large size-large wp-image-56517" alt="學貸還款繳費方式－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment.png 1000w, //danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-300x264.png 300w, //danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-768x676.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-b66993b elementor-widget elementor-widget-heading" data-id="b66993b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款試算</h2> </div> </div> <div class="elementor-element elementor-element-fc15c0a elementor-widget elementor-widget-text-editor" data-id="fc15c0a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>以下為你進行學貸還款試算範例?/p> </div> </div> <div class="elementor-element elementor-element-92fef3f elementor-widget elementor-widget-text-editor" data-id="92fef3f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>小揚是一名國立大學學生，家庭年所得為110萬。上學期間，小揚向台灣銀行申請了8學期每期2萬元的就學貸款，那麼等到畢業?年後?span class="f-point">小揚每個月要償?785?/span>，再依自身情況決定是否提前還款，或向教育部申請就學貸款輕鬆還的措施?/p><p>民眾若想自行試算，可於台灣銀行就學貸款入口網，找到還款試算的頁面進行計算，方便自己制訂還款計畫！</p> </div> </div> <div class="elementor-element elementor-element-535ded63 elementor-widget elementor-widget-heading" data-id="535ded63" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款技?/h2> </div> </div> <div class="elementor-element elementor-element-e89aa07 elementor-widget elementor-widget-text-editor" data-id="e89aa07" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>出社會馬上要面臨債務可能壓得你喘不過氣，<strong>大揚代書</strong>這邊提供?個方法，有效減輕你的還款負擔?/p> </div> </div> <div class="elementor-element elementor-element-232b989b elementor-widget elementor-widget-heading" data-id="232b989b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">準備儲蓄帳戶</h3> </div> </div> <div class="elementor-element elementor-element-5cf83181 elementor-widget elementor-widget-text-editor" data-id="5cf83181" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 由於目前最高的學貸利率?.525%，而銀行數位帳戶活存利率約1.5%起，建議<span class="f-point">申請就學貸款的學生可比較各銀行的活存利率，並且每月定期存錢作為還款預備金，以此減輕未來的還款壓力</span>? </div> </div> <div class="elementor-element elementor-element-2b954820 elementor-widget elementor-widget-text-editor" data-id="2b954820" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/digital-account/" target="_blank" rel="noopener">數位帳戶是什麼？類型與優缺點一次分享！</a></b> </div> </div> <div class="elementor-element elementor-element-14aa6b1d elementor-widget elementor-widget-heading" data-id="14aa6b1d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">善用免息優惠</h3> </div> </div> <div class="elementor-element elementor-element-8db2fce elementor-widget elementor-widget-text-editor" data-id="8db2fce" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 畢業1年內屬於學貸免息期，利息由政府代為支付，<span class="f-point">建議可在這段時間內盡快償還本金，償還得越多，未來要還的利息就越少，也能越快清償貸?/span>，脫離負債生活? </div> </div> <div class="elementor-element elementor-element-d60fa76 elementor-widget elementor-widget-image" data-id="d60fa76" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="764" src="//danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-skill.png" class="attachment-large size-large wp-image-56513" alt="學貸還款技巧－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-skill.png 1000w, //danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-skill-300x287.png 300w, //danaherbertts.shop/wp-content/uploads/2024/11/student-loan-payment-skill-768x733.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-e90bc5d elementor-widget elementor-widget-heading" data-id="e90bc5d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">學貸還款常見問題</h2> </div> </div> <div class="elementor-element elementor-element-7efef4dd elementor-widget elementor-widget-accordion" data-id="7efef4dd" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2131" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2131" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：學貸還款餘額如何查詢？</a> </div> <div id="elementor-tab-content-2131" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2131"><p>以下為你說明4間銀行就學貸款還款餘額查詢方法：</p><ul><li><strong>台灣銀行：</strong>台灣銀行官網→服務專區→還款明細查詢即可查?/li><li><strong>富邦銀行：</strong>富邦銀行官網→服務專區→帳務查詢即可查?/li><li><strong>高雄銀行：</strong>高雄銀行官網→服務專區→還款明細查詢即可查?/li><li><strong>土地銀行：</strong>土地銀行官網→服務專區→查詢繳費狀態即可查?/li></ul></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2132" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2132" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：學貸逾期還款會影響信用嗎?/a> </div> <div id="elementor-tab-content-2132" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2132"><p>雖然就學貸款屬於政策性貸款，?span class="f-point">遲繳仍會影響到信用分?/span>！建議事先做好儲蓄計畫，並在免息期內盡量還本金，避免發生遲繳情況?/p></div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u5b78\u8cb8\u9084\u6b3e\u9918\u984d\u5982\u4f55\u67e5\u8a62\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u4ee5\u4e0b\u70ba\u4f60\u8aaa\u660e4\u9593\u9280\u884c\u5c31\u5b78\u8cb8\u6b3e\u9084\u6b3e\u9918\u984d\u67e5\u8a62\u65b9\u6cd5\uff1a<\/p><ul><li><strong>\u53f0\u7063\u9280\u884c\uff1a<\/strong>\u53f0\u7063\u9280\u884c\u5b98\u7db2\u2192\u670d\u52d9\u5c08\u5340\u2192\u9084\u6b3e\u660e\u7d30\u67e5\u8a62\u5373\u53ef\u67e5\u95b1<\/li><li><strong>\u5bcc\u90a6\u9280\u884c\uff1a<\/strong>\u5bcc\u90a6\u9280\u884c\u5b98\u7db2\u2192\u670d\u52d9\u5c08\u5340\u2192\u5e33\u52d9\u67e5\u8a62\u5373\u53ef\u67e5\u95b1<\/li><li><strong>\u9ad8\u96c4\u9280\u884c\uff1a<\/strong>\u9ad8\u96c4\u9280\u884c\u5b98\u7db2\u2192\u670d\u52d9\u5c08\u5340\u2192\u9084\u6b3e\u660e\u7d30\u67e5\u8a62\u5373\u53ef\u67e5\u95b1<\/li><li><strong>\u571f\u5730\u9280\u884c\uff1a<\/strong>\u571f\u5730\u9280\u884c\u5b98\u7db2\u2192\u670d\u52d9\u5c08\u5340\u2192\u67e5\u8a62\u7e73\u8cbb\u72c0\u614b\u5373\u53ef\u67e5\u95b1<\/li><\/ul>"}},{"@type":"Question","name":"Q\uff1a\u5b78\u8cb8\u903e\u671f\u9084\u6b3e\u6703\u5f71\u97ff\u4fe1\u7528\u55ce\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u96d6\u7136\u5c31\u5b78\u8cb8\u6b3e\u5c6c\u65bc\u653f\u7b56\u6027\u8cb8\u6b3e\uff0c\u4f46<span class=\"f-point\">\u9072\u7e73\u4ecd\u6703\u5f71\u97ff\u5230\u4fe1\u7528\u5206\u6578<\/span>\uff01\u5efa\u8b70\u4e8b\u5148\u505a\u597d\u5132\u84c4\u8a08\u756b\uff0c\u4e26\u5728\u514d\u606f\u671f\u5167\u76e1\u91cf\u9084\u672c\u91d1\uff0c\u907f\u514d\u767c\u751f\u9072\u7e73\u60c5\u6cc1\u3002<\/p>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-41761ed6 elementor-widget elementor-widget-heading" data-id="41761ed6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-7da49d6a elementor-widget elementor-widget-text-editor" data-id="7da49d6a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>以上就是學貸還款的說明，<strong>大揚代書</strong>再次提醒你，雖然學貸屬於政策性貸款，但仍要按時繳款，好好維護自己的信用狀態，日後想申辦其他貸款時才能順利過件喔！</p> </div> </div> <section 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class="cat-item cat-item-7"><a href="//danaherbertts.shop/category/loan-guide/bank-loan-area/">銀行貸?/a> </li> </ul> </li> </ul> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/student-loan-payment/">學貸還款怎麼做？看完這篇幫助你還款更順利?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> <item> <title>房屋鑑價大解析！3大注意事項帶你避開鑑價風?/title> <link>//danaherbertts.shop/house-appraisal/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Thu, 07 Nov 2024 02:48:35 +0000</pubDate> <category><![CDATA[房產知識]]></category> <category><![CDATA[房屋鑑價系統]]></category> <category><![CDATA[房屋鑑價試算]]></category> <category><![CDATA[線上房屋估價]]></category> <category><![CDATA[線上房屋鑑價準嗎]]></category> <category><![CDATA[線上鑑價系統]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=56344</guid> <description><![CDATA[<p>房屋鑑價大解析！3大注意事項帶你避開鑑價風?無論你向哪個貸款機構申請房屋貸款，都需要進行房屋鑑價來決定核貸額 […]</p> <p>這篇文章 <a href="//danaherbertts.shop/house-appraisal/">房屋鑑價大解析！3大注意事項帶你避開鑑價風?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="56344" class="elementor elementor-56344" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-398aaabc elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="398aaabc" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6467ece9" data-id="6467ece9" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-1190dac4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="1190dac4" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7596d802" data-id="7596d802" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-55a881c6 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="55a881c6" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">認識理財</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-3d548d2d elementor-widget elementor-widget-heading" data-id="3d548d2d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">房屋鑑價大解析！3大注意事項帶你避開鑑價風?/h1> </div> </div> <div class="elementor-element elementor-element-3005a67c elementor-widget elementor-widget-image" data-id="3005a67c" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal.webp" class="attachment-large size-large wp-image-56345" alt="房屋鑑價大解析！3大注意事項帶你避開鑑價風險－大揚代書" /> </div> </div> <div class="elementor-element elementor-element-1319f201 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="1319f201" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-5081bc3c elementor-widget elementor-widget-text-editor" data-id="5081bc3c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>無論你向哪個貸款機構申請房屋貸款，都需要進行房屋鑑價來決定核貸額度，那麼有哪些因素會影響房屋價值？鑑價方式有哪幾種呢？快讓<strong>大揚代書</strong>為你一一說明房屋鑑價的相關事項，一起來看！</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6515f4a elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6515f4a" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-55686485" data-id="55686485" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-b368db1 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="b368db1" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e80bdc1" data-id="e80bdc1" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-66e83ab3 elementor-widget elementor-widget-heading" data-id="66e83ab3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋鑑價是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-1cc9f139 elementor-widget elementor-widget-text-editor" data-id="1cc9f139" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>由專業的鑑價管道對不動產進行調查及評估，並估算出房屋的價值，就是房屋鑑價的意思。通常會出現在貸款、買賣、查封、法拍等情況中?/p> </div> </div> <div class="elementor-element elementor-element-1e44e43 elementor-widget elementor-widget-heading" data-id="1e44e43" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">影響鑑價的因素有哪些?/h2> </div> </div> <div class="elementor-element elementor-element-a0f7e92 elementor-widget elementor-widget-heading" data-id="a0f7e92" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">房屋條件及狀?/h3> </div> </div> <div class="elementor-element elementor-element-548f27c6 elementor-widget elementor-widget-text-editor" data-id="548f27c6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>房屋的屋齡、房型、屋況，都是影響房屋的價值。例如：房屋屋齡較高，房屋價值較低；透天的價值會比套房要來得高；內部的裝潀水電都是影響房屋價值的因素?/p> </div> </div> <div class="elementor-element elementor-element-4c745c55 elementor-widget elementor-widget-heading" data-id="4c745c55" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">房屋地段及面?/h3> </div> </div> <div class="elementor-element elementor-element-5fe9058e elementor-widget elementor-widget-text-editor" data-id="5fe9058e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>房屋位置位於市中心或是郊區，以及房屋面積大小、持有土地是否方正等，也會對鑑價結果有所影響?/p> </div> </div> <div class="elementor-element elementor-element-5965a19 elementor-widget elementor-widget-heading" data-id="5965a19" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">房屋附近的嫌惡設?/h3> </div> </div> <div class="elementor-element elementor-element-46b3ead elementor-widget elementor-widget-text-editor" data-id="46b3ead" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">會影響民眾居住意願，進一步影響房屋價值的設施</span>，就算是嫌惡設施，如：焚化爐、高架道路、墳墓等。若房屋附近有嫌惡設施，會使房屋價格降低? </div> </div> <div class="elementor-element elementor-element-3ff493a7 elementor-widget elementor-widget-text-editor" data-id="3ff493a7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/not-in-my-backyard/" target="_blank" rel="noopener">嫌惡設施是什麼？購屋前你必須知道的眉角！</a></b> </div> </div> <div class="elementor-element elementor-element-b694194 elementor-widget elementor-widget-heading" data-id="b694194" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">房屋周圍買賣成交行情</h3> </div> </div> <div class="elementor-element elementor-element-ecac29d elementor-widget elementor-widget-text-editor" data-id="ecac29d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 內政部的實價登錄會記載每間房屋最終成交價格。當需要進行房屋鑑價時，鑑價人員會去參考實價登錄，<span class="f-point">若房屋周圍成交物件的買賣行情不高，那麼房屋鑑價結果也會較?/span>? </div> </div> <div class="elementor-element elementor-element-496742e7 elementor-widget elementor-widget-heading" data-id="496742e7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋鑑價流程</h2> </div> </div> <div class="elementor-element elementor-element-7cc60b58 elementor-widget elementor-widget-text-editor" data-id="7cc60b58" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>銀行鑑價的程序通常需??0個工作天，按貸款銀行不同，作業時間也會有差異，一般鑑價程序會分為以下4步驟?/p> </div> </div> <div class="elementor-element elementor-element-6ec55e4 elementor-widget elementor-widget-text-editor" data-id="6ec55e4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>蒐集資料?/strong>提供房屋標的地址，銀行會負責建檔及整理房屋的相關資料，並擬定估價計畫?/li><li><strong>實地勘查?/strong>銀行會派專員去標的現場觀察房屋狀況、地段地價、生活機能等?/li><li><strong>彙整資訊?/strong>彙整書面資料及實地勘察的資訊後，交由鑑價人員進行估價作業?/li><li><strong>估價報告?/strong>鑑價人員整理出不動產估價報告書，作為銀行房貸放貸額度的參考基礎?/li></ol> </div> </div> <div class="elementor-element elementor-element-b09e36a elementor-widget elementor-widget-image" data-id="b09e36a" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="1000" src="//danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-process-819x1024.png" class="attachment-large size-large wp-image-56351" alt="房屋鑑價流程－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-process-819x1024.png 819w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-process-240x300.png 240w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-process-768x960.png 768w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-process.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-26918158 elementor-widget elementor-widget-heading" data-id="26918158" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋鑑價管道</h2> </div> </div> <div class="elementor-element elementor-element-700ef551 elementor-widget elementor-widget-text-editor" data-id="700ef551" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li><strong>委託鑑價?/strong>確定向某間貸款銀行申貸時才會請該銀行鑑價，此時銀行會委託專業鑑價師實際前往房屋所在地來評估，<span class="f-point">通常委託鑑價得出的資訊是最接近銀行最終核貸結果的</span>?/li> <li><strong>行員估價?/strong>若尚未決定向哪間銀行申貸，可臨櫃或致電想申貸的銀行，請行員協助估價，行員會參考內部鑑價資料庫查詢房屋所在地的鑑價紀錄，完成線上房屋估價?span class="f-point">雖具備參考價值，但並非確定的價格</span>?/li> <li><strong>房仲網站?/strong>房仲業者是不動產交易中重要的角色，常見?a href="//evertrust.yungching.com.tw/" target="_blank" rel="noopener">永慶房屋</a>?a href="//market.591.com.tw/" target="_blank" rel="noopener">591租屋?/a>都有實價登錄的資訊，民眾可依此參考過往的交易情況，推算出房屋價值?/li> <li><strong>內政部網站：</strong>內政部的<a href="//lvr.land.moi.gov.tw/" target="_blank" rel="noopener">不動產實價登錄網?/a>記載全台房屋買賣交易的案件，民眾進入網站後就能了解想入手的房屋周遭行情?/li> <li><strong>不動產估價師?/strong>市面上有許多估價師事務所、資產鑑定公司等?span class="f-point">只要事先詢問過費用確認合理，民眾也可委託不動產估價師協助鑑價</span>?/li> <li><strong>房屋鑑價系統?/strong><span class="f-point">目前<a href="//www.fubon.com/banking/personal/mortgage/house_loan/house_loan/house.html" target="_blank" rel="noopener">台北富邦銀?/a>?a href="//www.ctbcbank.com/content/dam/minisite/long/loan/ctbc-mortgage/index.html" target="_blank" rel="noopener">中國信託銀?/a>等都有提供線上鑑價系?/span>，民眾只要輸入地址、類型、坪數等資訊，就可以馬上得出房屋鑑價試算金額?/li> </ul> </div> </div> <div class="elementor-element elementor-element-1b5b047c elementor-widget elementor-widget-heading" data-id="1b5b047c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋鑑價注意事項有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-591224e1 elementor-widget elementor-widget-text-editor" data-id="591224e1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>多方參考鑑價結果：</strong>提出貸款申請前，建議先請仲介提供3家不同銀行的房屋鑑價結果作為準備自備款的參考基礎?/li><li><strong>注意聯徵報告查詢次數?/strong>在尚未決定要向哪間銀行申請房貸前，盡量不要與銀行簽訂「同意徵信調查」的合約，以免聯徵報告查詢次數過多，影響到信用評分?/li></ul> </div> </div> <div class="elementor-element elementor-element-9b7499e elementor-widget elementor-widget-text-editor" data-id="9b7499e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-score/" target="_blank" rel="noopener">信用評分是什麼？9項要點帶你深入了解！</a></b> </div> </div> <div class="elementor-element elementor-element-2c31dc6 elementor-widget elementor-widget-text-editor" data-id="2c31dc6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li><strong>不可盲目相信估價或房仲估算的價格?/strong>許多民眾會好奇，線上房屋鑑價準嗎？其實線上估價結果大多與鑑價結果有落差，建議民眾不要盲目相信，僅當作參考就好。提醒你?span class="f-point">在準備自備款時仍要準備到3成，才有足夠資金支付自備款及其他額外的買房成本喔</span>?/li> </ul> </div> </div> <div class="elementor-element elementor-element-f6a1a6f elementor-widget elementor-widget-image" data-id="f6a1a6f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="//danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-attention.png" class="attachment-large size-large wp-image-56355" alt="房屋鑑價注意事項－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-attention.png 1000w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-attention-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-attention-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2024/11/house-appraisal-attention-768x768.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-6348709 elementor-widget elementor-widget-heading" data-id="6348709" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋鑑價常見問題</h2> </div> </div> <div class="elementor-element elementor-element-2dabaa57 elementor-widget elementor-widget-accordion" data-id="2dabaa57" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-7661" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-7661" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：房屋鑑價的費用?/a> </div> <div id="elementor-tab-content-7661" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-7661"><span class="f-point">房屋鑑價的費用依照鑑價單位不同會有落?/span>，銀行鑑價費用會落在5000?0000元；民間鑑價公司及估價師事務所費用則落?0000?0000元左右?/div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-7662" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-7662" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：銀行鑑價低於市價正常嗎?/a> </div> <div id="elementor-tab-content-7662" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-7662"><span class="f-point">銀行房屋鑑價結果和自己在房仲網站或實價登錄查詢的市價都有落差是正常?/span>！這是因為銀行鑑價時會採用相對保守的態度，導致鑑價結果比市價來得低，建議在準備自備款時，可多方參考鑑價結果以備不時之需?/div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u623f\u5c4b\u9451\u50f9\u7684\u8cbb\u7528\uff1f","acceptedAnswer":{"@type":"Answer","text":"<span 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class=\"f-point\">\u9280\u884c\u623f\u5c4b\u9451\u50f9\u7d50\u679c\u548c\u81ea\u5df1\u5728\u623f\u4ef2\u7db2\u7ad9\u6216\u5be6\u50f9\u767b\u9304\u67e5\u8a62\u7684\u5e02\u50f9\u90fd\u6709\u843d\u5dee\u662f\u6b63\u5e38\u7684<\/span>\uff01\u9019\u662f\u56e0\u70ba\u9280\u884c\u9451\u50f9\u6642\u6703\u63a1\u7528\u76f8\u5c0d\u4fdd\u5b88\u7684\u614b\u5ea6\uff0c\u5c0e\u81f4\u9451\u50f9\u7d50\u679c\u6bd4\u5e02\u50f9\u4f86\u5f97\u4f4e\uff0c\u5efa\u8b70\u5728\u6e96\u5099\u81ea\u5099\u6b3e\u6642\uff0c\u53ef\u591a\u65b9\u53c3\u8003\u9451\u50f9\u7d50\u679c\u4ee5\u5099\u4e0d\u6642\u4e4b\u9700\u3002"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-546165cf elementor-widget elementor-widget-heading" data-id="546165cf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-79d89329 elementor-widget elementor-widget-text-editor" data-id="79d89329" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>以上就是房屋鑑價相關的說明，買房是人生中非常重要的事，進入<a href="//danaherbertts.shop/house-loan-step/" target="_blank" rel="noopener">房屋貸款流程</a>前，事先了解房屋鑑價能幫助自己更清楚房屋價值，還有助於估算自備款額度及規劃還款計畫時更加順利喔?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-2fb1e6fe elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2fb1e6fe" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e97877d" data-id="e97877d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7678045c elementor-widget elementor-widget-heading" data-id="7678045c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <p class="elementor-heading-title elementor-size-default">大揚代書24H免費諮詢</p> </div> </div> <div class="elementor-element elementor-element-34fe38ed elementor-widget elementor-widget-text-editor" data-id="34fe38ed" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d2ef70f" data-id="d2ef70f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2308d786 elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="2308d786" 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href="//danaherbertts.shop/category/share-loan/southern-area-cases/">南部案例</a> </li> <li class="cat-item cat-item-4674"><a href="//danaherbertts.shop/category/share-loan/eastern-area-cases/">東部案例</a> </li> <li class="cat-item cat-item-4675"><a href="//danaherbertts.shop/category/share-loan/offshore-islands-cases/">離島案例</a> </li> </ul> </li> <li class="cat-item cat-item-3771"><a href="//danaherbertts.shop/category/law-knowledge-area/">法律知識</a> </li> <li class="cat-item cat-item-4713 current-cat"><a aria-current="page" href="//danaherbertts.shop/category/financial-knowledge/">認識理財</a> <ul class='children'> <li class="cat-item cat-item-4610"><a href="//danaherbertts.shop/category/financial-knowledge/house-knowledge/">房產知識</a> </li> <li class="cat-item cat-item-2992"><a href="//danaherbertts.shop/category/financial-knowledge/topical-fields/">時事話題</a> </li> <li class="cat-item cat-item-4611"><a href="//danaherbertts.shop/category/financial-knowledge/daily-money-management/">生活理財</a> </li> <li class="cat-item cat-item-4609"><a href="//danaherbertts.shop/category/financial-knowledge/apply-loan-notice/">申貸須知</a> </li> </ul> </li> <li class="cat-item cat-item-4712"><a href="//danaherbertts.shop/category/loan-guide/">貸款指南</a> <ul class='children'> <li class="cat-item cat-item-6"><a href="//danaherbertts.shop/category/loan-guide/personal-credit-loan-area/">個人信貸</a> </li> <li class="cat-item cat-item-1959"><a href="//danaherbertts.shop/category/loan-guide/other-loan-area/">其他貸款</a> </li> <li class="cat-item cat-item-2310"><a href="//danaherbertts.shop/category/loan-guide/movable-property-loan-area/">動產貸款</a> </li> <li class="cat-item cat-item-456"><a href="//danaherbertts.shop/category/loan-guide/land-loan-area/">土地貸款</a> </li> <li class="cat-item cat-item-4"><a href="//danaherbertts.shop/category/loan-guide/house-loan-area/">房屋貸款</a> </li> <li class="cat-item cat-item-5"><a href="//danaherbertts.shop/category/loan-guide/civil-servants-loan-area/">軍公教貸?/a> </li> <li class="cat-item cat-item-7"><a href="//danaherbertts.shop/category/loan-guide/bank-loan-area/">銀行貸?/a> </li> </ul> </li> </ul> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/house-appraisal/">房屋鑑價大解析！3大注意事項帶你避開鑑價風?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> <item> <title>履約保證是什麼？一篇告訴你哪種保證機制最有利?/title> <link>//danaherbertts.shop/performance-bond/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 25 Oct 2024 03:51:13 +0000</pubDate> <category><![CDATA[房產知識]]></category> <category><![CDATA[履約保證是什麼]]></category> <category><![CDATA[履約保證漏洞]]></category> <category><![CDATA[履約保證缺點]]></category> <category><![CDATA[履約保證詐騙]]></category> <category><![CDATA[履約保證費用]]></category> <category><![CDATA[履約保證銀行有哪幾家]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=56112</guid> <description><![CDATA[<p>履約保證是什麼？一篇告訴你哪種保證機制最有利?若你近期考慮購屋，你是否知道有項保障叫做履約保證呢？履約保證?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/performance-bond/">履約保證是什麼？一篇告訴你哪種保證機制最有利?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></description> <content:encoded><![CDATA[ <div data-elementor-type="wp-post" data-elementor-id="56112" class="elementor elementor-56112" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-5f37f94d elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5f37f94d" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3966eb40" data-id="3966eb40" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7fab6ae elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7fab6ae" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3bf674ca" data-id="3bf674ca" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7439c323 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="7439c323" data-element_type="widget" data-widget_type="breadcrumbs.default"> <div class="elementor-widget-container"> <p id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">認識理財</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-51d1e3c7 elementor-widget elementor-widget-heading" data-id="51d1e3c7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">履約保證是什麼？一篇告訴你哪種保證機制最有利?/h1> </div> </div> <div class="elementor-element elementor-element-6ec7905a elementor-widget elementor-widget-image" data-id="6ec7905a" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2024/10/performance-bond.webp" class="attachment-large size-large wp-image-56114" alt="履約保證是什麼？一篇告訴你哪種保證機制最有利?- 大揚代書" /> </div> </div> <div class="elementor-element elementor-element-160c7b1c elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="160c7b1c" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-7ca6d4c3 elementor-widget elementor-widget-text-editor" data-id="7ca6d4c3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>若你近期考慮購屋，你是否知道有項保障叫做履約保證呢？履約保證簽署後會對買賣雙方造成哪些影響？履約保證簽約流程及辦理細節，讓<strong>大揚代書</strong>為你介紹?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6062b469 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6062b469" data-element_type="section"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ad6659e" data-id="1ad6659e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4c0cfa5e elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="4c0cfa5e" data-element_type="widget" data-settings="{"headings_by_tags":["h2","h3","h4"],"exclude_headings_by_selector":[],"marker_view":"numbers","hierarchical_view":"yes","min_height":{"unit":"px","size":"","sizes":[]},"min_height_tablet":{"unit":"px","size":"","sizes":[]},"min_height_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="table-of-contents.default"> <div class="elementor-widget-container"> <div class="elementor-toc__header" aria-controls="elementor-toc__body"> <h2 class="elementor-toc__header-title"> 內容目錄 </h2> </div> <div class="elementor-toc__body" aria-expanded="true"> <div class="elementor-toc__spinner-container"> <i class="elementor-toc__spinner eicon-animation-spin eicon-loading" aria-hidden="true"></i> </div> </div> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ea52c2f" data-id="6ea52c2f" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-4558e963 elementor-widget elementor-widget-heading" data-id="4558e963" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-473ea9ae elementor-widget elementor-widget-text-editor" data-id="473ea9ae" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 履約保證是指<span class="f-point">在進行不動產交易時，買賣雙方可約定透過第三方機構保管價金及重要文件，避免交易過程中買家或賣家的權益受損</span>? </div> </div> <div class="elementor-element elementor-element-2afdd877 elementor-widget elementor-widget-text-editor" data-id="2afdd877" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>當買賣雙方簽署履約保證申請書後，通常會由建築經理公司負責保管買方陸續撥付的款項，且統一由建經公司撥款繳納流程中產生的費用。等到購屋流程全部結束且正式交屋後，再結算履約保證專戶中的餘額，並將價金撥款給賣方，減少早期台灣房地產市場交易時屋主捲款潛逃或一屋多賣的情況?/p> </div> </div> <div class="elementor-element elementor-element-db38d64 elementor-widget elementor-widget-heading" data-id="db38d64" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">辦理履約保證保障有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-8bd4a8b elementor-widget elementor-widget-text-editor" data-id="8bd4a8b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>買賣雙方協議辦理履約保證後，可享有以?種基本保障：</p><ol><li>賣方想動用款項須經過買方同意，可避免履約保證詐騙</li><li>賣方若不履行過戶義務，買方可按履約保證機制向賣方催告並解除買賣契?/li><li>買方若違反買賣契約，按機制賣方可獲得買方已繳納款項，不會收不到尾?/li><li>買方未如期支付約定款，賣方可按機制向買方催告並解除買賣契?/li></ol> </div> </div> <div class="elementor-element elementor-element-27a0ba5 elementor-widget elementor-widget-heading" data-id="27a0ba5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證種類有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-dfa8a45 elementor-widget elementor-widget-text-editor" data-id="dfa8a45" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 不動產履約保證可分為2種，以下為你介紹? </div> </div> <div class="elementor-element elementor-element-6a5789f8 elementor-widget elementor-widget-heading" data-id="6a5789f8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">預售屋履約保?/h3> </div> </div> <div class="elementor-element elementor-element-0cf5367 elementor-widget elementor-widget-text-editor" data-id="0cf5367" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>依照<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=J0170001&flno=17">消費者保護法?7?/a>規定，自民國100??日後，將下列5種履約擔保機制納?a href="//www.ey.gov.tw/File/E9FD4B387C360613?A=C">預售屋買賣定型化契約</a>中，買賣雙方可協調要選擇何種擔保機制?/p> </div> </div> <div class="elementor-element elementor-element-dff7baa elementor-widget elementor-widget-text-editor" data-id="dff7baa" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li><strong>不動產開發信託：</strong>建商或地主將建案土地、興建資金信託給信託業者，興建資金應依工程進度專款專用?/li> <li><strong>價金返還之保證：</strong>由第三方金融機構保管價金，建商須順利完工交屋並將產權過戶後才可取得原先支付的價金?span class="f-point">若在營建過程中倒閉或未能履約，那買方可無條件拿回所有價?/span>?/li> <li><strong>價金信託?/strong>將消費者支付的錢存於「專款專用帳戶」中，並由信託機構或銀行保管，<span class="f-point">保管機構再依施工進度分階段撥款給建商</span>?/li> <li><strong>同業連帶擔保?/strong>由同業同級別的非關係企業互相擔保，若A建商倒閉使建案無法如期完工，<span class="f-point">買家可要求連帶擔保的B建商繼續施工直至交屋</span>?/li> <li><strong>公會辦理連帶保證協定?/strong>由全國或各縣市的「不動產開發商業同業公會」邀請公會會員成立連帶保證協定，若有會員倒閉，或有其他原因無法完成建案，<span class="f-point">買方可向其他會員公司請求共同完成建案</span>?/li> </ul> </div> </div> <div class="elementor-element elementor-element-7bd5460c elementor-widget elementor-widget-heading" data-id="7bd5460c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">成屋履約保證</h3> </div> </div> <div class="elementor-element elementor-element-591b0ba0 elementor-widget elementor-widget-text-editor" data-id="591b0ba0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 目前有部分的仲介業者與金融機構合作提供「成屋履約保證」的服務，其性質<span class="f-point">主要以付款保證為?/span>，可再細分為以下2種： </div> </div> <div class="elementor-element elementor-element-b1ec0d0 elementor-widget elementor-widget-text-editor" data-id="b1ec0d0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul> <li><strong>價金信託?/strong>多為金融機構協助辦理，僅會代為保管買賣價金，其履約保證缺點在於無法一併保障契約進行過程，可能使交易過程出現其他風險?/li> <li><strong>價金履約保證?/strong>多以銀行投資的建經公司來協助辦理，<span class="f-point">除了保管價金外，對於契約執行上也會有一定的掌控權，能有效保障交易過?/span>?/li> </ul> </div> </div> <div class="elementor-element elementor-element-b74d465 elementor-widget elementor-widget-image" data-id="b74d465" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="880" src="//danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-931x1024.png" class="attachment-large size-large wp-image-56229" alt="成屋履約保證－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-931x1024.png 931w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-768x845.png 768w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-ea5468f elementor-widget elementor-widget-heading" data-id="ea5468f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證注意事項</h2> </div> </div> <div class="elementor-element elementor-element-1b1175b5 elementor-widget elementor-widget-text-editor" data-id="1b1175b5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>雖然履約保證可保護買賣雙方權益，但還是有履約保證漏洞要注意，以預售屋買賣定型化契約提供的5種保證機制中，「價金信託」資金走向無法確實掌握，可能被用在其他用途；「同業連帶保證」常因開發案的業者股東重複而無法續建等，不過未來可能會廢除保障效力較小的條款，民眾可再多留意?/p> </div> </div> <div class="elementor-element elementor-element-76078ca elementor-widget elementor-widget-heading" data-id="76078ca" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證流程</h2> </div> </div> <div class="elementor-element elementor-element-151e93a3 elementor-widget elementor-widget-text-editor" data-id="151e93a3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>在履約保證的機制下，建經公司會於各階段協助收取買賣雙方應付的款項及協助完成納稅、過戶等事宜，以下為購屋流程及履約保證專戶支付項目：</p> </div> </div> <div class="elementor-element elementor-element-0822f1b elementor-widget elementor-widget-heading" data-id="0822f1b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程一：簽?/h3> </div> </div> <div class="elementor-element elementor-element-5ada2c9f elementor-widget elementor-widget-text-editor" data-id="5ada2c9f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> ?span class="f-point">簽訂成屋買賣契約書時，會由建經公司專員一併協助雙方簽訂履約保證申請書</span>，完成後給予買賣雙方匯款帳號，買方再將各階段款項陸續存入該帳戶中? </div> </div> <div class="elementor-element elementor-element-a165244 elementor-widget elementor-widget-heading" data-id="a165244" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程二：用印</h3> </div> </div> <div class="elementor-element elementor-element-948f2b0 elementor-widget elementor-widget-text-editor" data-id="948f2b0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>執行稅務申報及銀行貸款等相關作業的階段?br />此階段履約保證專戶會協助支付過戶稅費?/p> </div> </div> <div class="elementor-element elementor-element-628a2efa elementor-widget elementor-widget-text-editor" data-id="628a2efa" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/bank-house-loan/" target="_blank" rel="noopener">銀行房屋貸款利率比較！首購房貸試算這樣?/a></b> </div> </div> <div class="elementor-element elementor-element-c166da7 elementor-widget elementor-widget-heading" data-id="c166da7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程三：完稅</h3> </div> </div> <div class="elementor-element elementor-element-ee6deab elementor-widget elementor-widget-text-editor" data-id="ee6deab" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>分別計算買賣雙方應繳納的稅賦，並協助繳納費用?/p> </div> </div> <div class="elementor-element elementor-element-2c0d3b6 elementor-widget elementor-widget-heading" data-id="2c0d3b6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程四：過戶</h3> </div> </div> <div class="elementor-element elementor-element-df533eb elementor-widget elementor-widget-text-editor" data-id="df533eb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>完成抵押權設定並辦理房屋過戶?br />此階段履約保證專戶會協助賣方貸款清償?/p> </div> </div> <div class="elementor-element elementor-element-af1bfa5 elementor-widget elementor-widget-heading" data-id="af1bfa5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程五：交屋</h3> </div> </div> <div class="elementor-element elementor-element-41adbe3 elementor-widget elementor-widget-text-editor" data-id="41adbe3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>正式交屋及處理相關物件?/p> </div> </div> <div class="elementor-element elementor-element-f5569d5 elementor-widget elementor-widget-heading" data-id="f5569d5" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">流程六：結算</h3> </div> </div> <div class="elementor-element elementor-element-7c3bdd8 elementor-widget elementor-widget-text-editor" data-id="7c3bdd8" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>結算專戶中的金額並將款項匯款至賣方指定帳戶?/p> </div> </div> <div class="elementor-element elementor-element-b9546d8 elementor-widget elementor-widget-image" data-id="b9546d8" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="880" src="//danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-process-931x1024.png" class="attachment-large size-large wp-image-56119" alt="履約保證流程 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-process-931x1024.png 931w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-process-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-process-768x845.png 768w, //danaherbertts.shop/wp-content/uploads/2024/10/performance-bond-process.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-6a03200f elementor-widget elementor-widget-heading" data-id="6a03200f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證費用</h2> </div> </div> <div class="elementor-element elementor-element-bfb0c52 elementor-widget elementor-widget-text-editor" data-id="bfb0c52" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">履約保證的費用多以房屋成交總價的「萬分之六」來計算，並由買賣雙方各付一?/span>，假設今天成交一戶總價為1000萬的房屋，買賣雙方則須各?000元的履約保證費用? </div> </div> <div class="elementor-element elementor-element-a2c05a6 elementor-widget elementor-widget-heading" data-id="a2c05a6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">履約保證常見問題</h2> </div> </div> <div class="elementor-element elementor-element-457f3084 elementor-widget elementor-widget-accordion" data-id="457f3084" data-element_type="widget" data-widget_type="accordion.default"> <div class="elementor-widget-container"> <div class="elementor-accordion"> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1161" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1161" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：對購屋者來說，哪項履約保證機制最好？</a> </div> <div id="elementor-tab-content-1161" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1161"><span class="f-point">價金返還之保證對購屋者來說是最好的履約保證機制</span>，這是因為買家支付款項後，會先由第三方金融機構代為保管價金，等到建商順利完工，並將產權過戶才能拿到款項，如果建商無法履約，購屋者還可全額拿回已支付的價金，對購屋者來說非常有保障?/div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1162" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1162" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：提供履約保證銀行有哪幾家？</a> </div> <div id="elementor-tab-content-1162" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1162"><p>常見的履約保證銀行有台新銀行、台北富邦銀行、臺灣銀行，都有與不動產業者合資成立建經公司：安信建經、富邦建經、臺億建經。若想查詢更多的履約保證銀行與其配合的建經公司，可?a href="//www.rema.org.tw/members.php" target="_blank" rel="noopener">中華民國建築經理商業同業公會</a>查詢?/p></div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u5c0d\u8cfc\u5c4b\u8005\u4f86\u8aaa\uff0c\u54ea\u9805\u5c65\u7d04\u4fdd\u8b49\u6a5f\u5236\u6700\u597d\uff1f","acceptedAnswer":{"@type":"Answer","text":"<span class=\"f-point\">\u50f9\u91d1\u8fd4\u9084\u4e4b\u4fdd\u8b49\u5c0d\u8cfc\u5c4b\u8005\u4f86\u8aaa\u662f\u6700\u597d\u7684\u5c65\u7d04\u4fdd\u8b49\u6a5f\u5236<\/span>\uff0c\u9019\u662f\u56e0\u70ba\u8cb7\u5bb6\u652f\u4ed8\u6b3e\u9805\u5f8c\uff0c\u6703\u5148\u7531\u7b2c\u4e09\u65b9\u91d1\u878d\u6a5f\u69cb\u4ee3\u70ba\u4fdd\u7ba1\u50f9\u91d1\uff0c\u7b49\u5230\u5efa\u5546\u9806\u5229\u5b8c\u5de5\uff0c\u4e26\u5c07\u7522\u6b0a\u904e\u6236\u624d\u80fd\u62ff\u5230\u6b3e\u9805\uff0c\u5982\u679c\u5efa\u5546\u7121\u6cd5\u5c65\u7d04\uff0c\u8cfc\u5c4b\u8005\u9084\u53ef\u5168\u984d\u62ff\u56de\u5df2\u652f\u4ed8\u7684\u50f9\u91d1\uff0c\u5c0d\u8cfc\u5c4b\u8005\u4f86\u8aaa\u975e\u5e38\u6709\u4fdd\u969c\u3002"}},{"@type":"Question","name":"Q\uff1a\u63d0\u4f9b\u5c65\u7d04\u4fdd\u8b49\u9280\u884c\u6709\u54ea\u5e7e\u5bb6\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u5e38\u898b\u7684\u5c65\u7d04\u4fdd\u8b49\u9280\u884c\u6709\u53f0\u65b0\u9280\u884c\u3001\u53f0\u5317\u5bcc\u90a6\u9280\u884c\u3001\u81fa\u7063\u9280\u884c\uff0c\u90fd\u6709\u8207\u4e0d\u52d5\u7522\u696d\u8005\u5408\u8cc7\u6210\u7acb\u5efa\u7d93\u516c\u53f8\uff1a\u5b89\u4fe1\u5efa\u7d93\u3001\u5bcc\u90a6\u5efa\u7d93\u3001\u81fa\u5104\u5efa\u7d93\u3002\u82e5\u60f3\u67e5\u8a62\u66f4\u591a\u7684\u5c65\u7d04\u4fdd\u8b49\u9280\u884c\u8207\u5176\u914d\u5408\u7684\u5efa\u7d93\u516c\u53f8\uff0c\u53ef\u4e0a<a href=\"http:\/\/www.rema.org.tw\/members.php\" target=\"_blank\" rel=\"noopener\">\u4e2d\u83ef\u6c11\u570b\u5efa\u7bc9\u7d93\u7406\u5546\u696d\u540c\u696d\u516c\u6703<\/a>\u67e5\u8a62\u3002<\/p>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-7ba54d66 elementor-widget elementor-widget-heading" data-id="7ba54d66" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">結語</h2> </div> </div> <div class="elementor-element elementor-element-4e1d1b3c elementor-widget elementor-widget-text-editor" data-id="4e1d1b3c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>以上就是履約保證的相關說明，<strong>大揚代書</strong>提醒你，在簽署履約保證申請書時，要留意帳戶是否有信託，否則若是建經公司管理不善，很可能遭到盜用，導致權益受損喔！</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-64da1dac 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