關於代償是什?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E4%BB%A3%E5%84%9F%E6%98%AF%E4%BB%80%E9%BA%BC/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Tue, 03 Dec 2024 04:15:44 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//danaherbertts.shop/wp-content/uploads/2021/01/icon-150x150.png</url> <title>關於代償是什?的大小事，大揚代書幫你一網打?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>【代償高利推薦】４步驟就能擺脫民間高利?/title> <link>//danaherbertts.shop/people-high-interest-integrate/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 25 Jun 2021 05:56:52 +0000</pubDate> <category><![CDATA[個人信貸]]></category> <category><![CDATA[代償小額]]></category> <category><![CDATA[代償是什麼]]></category> <category><![CDATA[代償會影響信用嗎]]></category> <category><![CDATA[代償民間]]></category> <category><![CDATA[代償民間高利]]></category> <category><![CDATA[代償錢莊]]></category> <category><![CDATA[代償高利意思]]></category> <category><![CDATA[代償高利貸]]></category> <category><![CDATA[民間高利整合]]></category> <category><![CDATA[高利貸整合]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=8462</guid> <description><![CDATA[<p>【代償高利推薦】４步驟就能擺脫民間高利?當被銀行拒貸時，不少急用錢的民眾會誤向利率相當高的高利貸或地下錢莊?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/people-high-interest-integrate/">【代償高利推薦】４步驟就能擺脫民間高利?/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="8462" class="elementor elementor-8462" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-619c66c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="619c66c9" 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-1ccce438" data-id="1ccce438" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6e58e770 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6e58e770" 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-433583ad" data-id="433583ad" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-107b1291 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="107b1291" 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">代償是什?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-32d21129 elementor-widget elementor-widget-heading" data-id="32d21129" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">【代償高利推薦】４步驟就能擺脫民間高利?/h1> </div> </div> <div class="elementor-element elementor-element-1c6ba2f8 elementor-widget elementor-widget-image" data-id="1c6ba2f8" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2021/06/people-high-interest-integrate.webp" class="attachment-large size-large wp-image-56686" alt="【代償高利推薦】４步驟就能擺脫民間高利！－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/06/people-high-interest-integrate.webp 1024w, //danaherbertts.shop/wp-content/uploads/2021/06/people-high-interest-integrate-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2021/06/people-high-interest-integrate-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-cb4e5f9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="cb4e5f9" 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-22988090 elementor-widget elementor-widget-text-editor" data-id="22988090" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>當被銀行拒貸時，不少急用錢的民眾會誤向利率相當高的高利貸或地下錢莊借貸，陷入難以負擔的債務循環，這時代償高利就是你一定要了解的方案！代償高利貸有哪些管道？是不是會影響信用評分呢？趕快讓大揚為你解答?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7b218e2b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7b218e2b" 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-1fe5dec" data-id="1fe5dec" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-110a1334 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="110a1334" 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-75ea82e8" data-id="75ea82e8" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-55cb2ccc elementor-widget elementor-widget-heading" data-id="55cb2ccc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">代償高利意思是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-522a7565 elementor-widget elementor-widget-text-editor" data-id="522a7565" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">代償高利是指向合法的民間貸款公司申請較低利率的貸款方案，以低利率貸款的額度償還原本高利的負債</span>? </div> </div> <div class="elementor-element elementor-element-773e2460 elementor-widget elementor-widget-text-editor" data-id="773e2460" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>由於銀行的貸款條件較嚴格，許多被銀行拒貸但有資金急用需求的民眾，容易透過非法經營的高利貸進行借款，不僅利率高，貸款流程也有許多問題，但因為銀行不會協助代償高利貸或民間債務，也讓合法經營的民間代償成為借款人代償高利的選擇?/p> </div> </div> <div class="elementor-element elementor-element-4461e96 elementor-widget elementor-widget-text-editor" data-id="4461e96" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b><strong>?想了解一般代償可??a href="//danaherbertts.shop/loan-balance/" target="_blank" rel="noopener">代償是什麼？申請管道、流程一次了解！</a></strong></b> </div> </div> <div class="elementor-element elementor-element-718d10ad elementor-widget elementor-widget-heading" data-id="718d10ad" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何分辨高利貸？</h2> </div> </div> <div class="elementor-element elementor-element-afc2e8d elementor-widget elementor-widget-text-editor" data-id="afc2e8d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如果你目前借貸的管道有以下特徵，就表示遇到高利貸或非法貸款，建議趕快尋找合適的代償高利機構?/p> </div> </div> <div class="elementor-element elementor-element-cbdd5ca elementor-widget elementor-widget-text-editor" data-id="cbdd5ca" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>尚未成功辦理開始收費?/strong>一般合法貸款公司都是在確定核貸且辦理後，才會收取一筆費用，不會事前收費或是用各種名目加收費用?/li><li><strong>貸款利率超高?/strong>月利率超?%的民間貸款就有高利貸的問題，另外，以日計息的管道也千萬不要接觸！</li><li><strong>無當面對保程序：</strong>無論是銀行或是合法民間貸款，都會有見?a href="//danaherbertts.shop/identity-verification/">對保</a>並確認合約內容的流程，如果對方避不見面很可能是要逃避事後責任?/li><li><strong>要求提前寄送存摺、證件：</strong>若尚未和對方當面諮詢或對保前，就被要求寄送存摺或重要證件，也請不要辦理?/li><li><strong>申辦流程過於簡化?/strong>貸款有一定的手續和流程，如果太簡化就要提高警覺，不要讓自己陷入高利貸或演變成嚴重的狀況?/li></ul> </div> </div> <div class="elementor-element elementor-element-476ffb08 elementor-widget elementor-widget-heading" data-id="476ffb08" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">代償高利管道有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-0826684 elementor-widget elementor-widget-heading" data-id="0826684" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">代書貸款</h3> </div> </div> <div class="elementor-element elementor-element-42b8a893 elementor-widget elementor-widget-text-editor" data-id="42b8a893" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span class="f-point">代償高利管道首選代書貸款，是由通過國家考試的合法代書執業，不僅貸款流程更有保障，在額度和利率方案也更為優惠</span>，即使是因為條件不佳被銀行拒貸的民眾，也可以申請代書貸款代償成功? </div> </div> <div class="elementor-element elementor-element-5f27581 elementor-widget elementor-widget-text-editor" data-id="5f27581" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>?延伸閱讀 ?a href="//danaherbertts.shop/escrow-loan/" target="_blank" rel="noopener">代書貸款推薦！撥款快速、額度更高的管道在這裡</a></strong> </div> </div> <div class="elementor-element elementor-element-3699e55 elementor-widget elementor-widget-heading" data-id="3699e55" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">融資公司</h3> </div> </div> <div class="elementor-element elementor-element-18f7c634 elementor-widget elementor-widget-text-editor" data-id="18f7c634" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>融資公司和代書貸款性質接近，也是合適的代償高利管道，但要注意相較代書貸款，融資公司在條件審核上較嚴格，也跟銀行一樣會調閱信用報告，比較適合條件還不錯的民眾申請?/p> </div> </div> <div class="elementor-element elementor-element-bb641fe elementor-widget elementor-widget-heading" data-id="bb641fe" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">合法當舖</h3> </div> </div> <div class="elementor-element elementor-element-629eb22 elementor-widget elementor-widget-text-editor" data-id="629eb22" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>不少人會將當舖和高利貸畫上等號，然而當舖利率之所以較高是因為<a href="//law.moj.gov.tw/LawClass/LawSingle.aspx?pcode=D0080075&flno=11" target="_blank" rel="noopener">當舖業法?1?/a>?點規定其年利率最高可?0%，也就是月利?.5%，才會使民眾有此誤會，其實只要月利率小於2.5%，在放款利率部分即為合法，因此若原本的民間貸款月利息高於2.5%，合法當舖也是可以嘗試的代償高利方式?/p> </div> </div> <div class="elementor-element elementor-element-c1a7543 elementor-widget elementor-widget-image" data-id="c1a7543" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="840" src="//danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-975x1024.png" class="attachment-large size-large wp-image-56706" alt="代償高利管道有哪些－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-975x1024.png 975w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-286x300.png 286w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-768x806.png 768w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-1120f421 elementor-widget elementor-widget-heading" data-id="1120f421" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">代償高利方案介紹</h2> </div> </div> <div class="elementor-element elementor-element-d4c5017 elementor-widget elementor-widget-text-editor" data-id="d4c5017" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>代償民間高利推薦大揚代書！我們不僅是由合法代書經營，更協助許多客戶辦理代償高利或民間債務整合成功，以下是我們的方案介紹?/p> </div> </div> <div class="elementor-element elementor-element-e4f007f elementor-widget elementor-widget-html" data-id="e4f007f" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th colspan="2" style="background-color:#f7f2eb; vertical-align:middle;text-align:center">代償高利方案</th> </tr> <tr> <th width="25%" style="vertical-align:middle;text-align: center">貸款條件</th> <td width="75%" style="vertical-align:middle;text-align:left">•年?8?br/> •名下有不動甀動產等擔保品；無擔保品者有正職工作也可申貸<br/> ※不看信用分數，任何信用瑕疵狀況均可辦?/td> </tr> <tr> <th style="vertical-align: middle;text-align:center">代償方案</th> <td style="vertical-align:middle;text-align:left">•有擔保品：提供名下房地或汽機車作為擔保，申請資金償還原先高利貸<br/> •無擔保品：有正職工?個月以上即可，提供薪轉或固定存摺明細進行申請</td> </tr> <tr> <th style="vertical-align: middle;text-align:center">貸款利率</th> <td style="vertical-align:middle;text-align:left">•有擔保品：最?%<br/> •無擔保品：最?%<br/> ※若是軍公教族群或大揚客戶，還可享有專屬利率優惠</td> </tr> <tr> <th style="vertical-align: middle;text-align:center">貸款額度</th> <td style="vertical-align:middle;text-align:left">•有擔保品：房地最高鑑價額?0%、汽機車最高鑑價額?10%<br/> •無擔保品：依個人條件為主，不受負債比22倍限?/td> </tr> <tr> <th style="vertical-align: middle;text-align:center">還款方式</th> <td style="vertical-align:middle;text-align:left">可本利攤還，若想先只繳利息也可和專員提出</td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-52249e0c elementor-widget elementor-widget-heading" data-id="52249e0c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申辦民間高利整合應備哪些文件?/h2> </div> </div> <div class="elementor-element elementor-element-597a07b elementor-widget elementor-widget-text-editor" data-id="597a07b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>戶籍謄本</li><li>雙證件正影本</li><li>撥款存摺封面影本</li><li>勞保、薪資轉帳證?/li><li>土地、建物所有權狀（房地貸款用?/li></ul> </div> </div> <div class="elementor-element elementor-element-ff55820 example elementor-widget elementor-widget-text-editor" data-id="ff55820" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：若有其他加分文件也可一併提供！</strong></span> </div> </div> <div class="elementor-element elementor-element-b08a35e elementor-widget elementor-widget-text-editor" data-id="b08a35e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/proof-of-income/" target="_blank" rel="noopener">收入證明有哪些種類？什麼時候需要用到呢?/a></b> </div> </div> <div class="elementor-element elementor-element-736c3cdc elementor-widget elementor-widget-heading" data-id="736c3cdc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">代償高利辦理流程</h2> </div> </div> <div class="elementor-element elementor-element-57786f9 elementor-widget elementor-widget-text-editor" data-id="57786f9" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>準備資料?/strong>準備上述資料並向大揚代書提出申請?/li><li><strong>審核評估?/strong>審核評估是否有條件借貸及貸款額度、期數、利息?/li><li><strong>溝通確認：</strong>說明審核結果，貸款額度、期數或利息等，達成共識後再進行對保簽約?/li><li><strong>對保撥款?/strong>雙方相約在地政機關或公司進行對保，完成後即當場撥款?/li></ol> </div> </div> <div class="elementor-element elementor-element-42e4de38 elementor-widget elementor-widget-image" data-id="42e4de38" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="920" src="//danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-process-890x1024.png" class="attachment-large size-large wp-image-56707" alt="代償高利辦理流程－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-process-890x1024.png 890w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-process-261x300.png 261w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-process-768x883.png 768w, //danaherbertts.shop/wp-content/uploads/2021/06/high-interest-integrate-process.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-22e741a3 elementor-widget elementor-widget-heading" data-id="22e741a3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">代償高利常見問題</h2> </div> </div> <div class="elementor-element elementor-element-8532b43 elementor-widget elementor-widget-accordion" data-id="8532b43" 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-1391" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1391" 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：代償會影響信用嗎？</a> </div> <div id="elementor-tab-content-1391" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1391"><p>不會！原本的債務對代償管道來說只是債權的移轉，貸款人未來只要正常繳款，反而會因為繳款金額降低、負債項目改變，為信用評分加分?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1392" class="elementor-tab-title" data-tab="2" role="button" 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style=\"color: #66593c; background: #F9F6F1;\"><strong>\u300a \u5ef6\u4f38\u95b1\u8b80 \u300b<a href=\"https:\/\/danaherbertts.shop\/people-penny-loan\/\" target=\"_blank\" rel=\"noopener\">\u6c11\u9593\u5c0f\u984d\u501f\u6b3e\u5982\u4f55\u8fa6\u7406\uff1f5\u5206\u9418\u5feb\u901f\u4e86\u89e3\uff01<\/a><\/strong><\/span><\/p>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-ebdbc31 elementor-widget elementor-widget-heading" data-id="ebdbc31" 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-34454caf elementor-widget elementor-widget-text-editor" data-id="34454caf" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>以上就是代償高利的介紹，大揚代書是值得你信賴的優質貸款選擇，歡迎來電免費諮詢服務或填寫線上表單?/p> </div> </div> <section class="elementor-section 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