νlXɡ֙C䁽 //danaherbertts.shop/loan-balance/ Wed, 19 Jun 2024 03:57:20 +0000 //danaherbertts.shop/?p=51045 代償貸款如何辦理?申請管道、流程一次了解! 若你申請到利率高的貸款方案,每月都有還款困難的情況,可以考慮申請?[…]

這篇文章 代償貸款如何辦理?申請管道、流程一次了解! 最早出現於 大揚代書?/p> ]]>

代償貸款如何辦理?申請管道、流程一次了解!

代償貸款如何辦理?申請管道、流程一次了解! - 大揚代書

若你申請到利率高的貸款方案,每月都有還款困難的情況,可以考慮申請代償!究竟代償意思是什麼?申請代償後會影響信用嗎?快看大揚代書為你整理的文章,讓我們一起了解何謂代償吧?/p>

內容目錄

代償是什麼?

代償是指代為清償,當原貸款的利率過高,讓你很難負擔時,可向第三方機構申請代償,償還原貸款剩下的款項後,再轉貸或轉增貸到新的貸款機構,達到負債整合的效?/span>,又可稱為代償高利或整合負債?

例如?/strong>原本的房貸已繳款5年,年利?.2%,如果後來發現利率更低的貸款方案,就可以向新的機構申請代償房貸,等到原貸款清償完畢後,再重新擬定更優惠的方案,就能達到降低利息、減輕壓力的效果?/p>

代償優點有哪些?

申請代償貸款的好處如下:
  • 減輕還款壓力?/strong>申請代償最主要的目的就是降低還款壓力,?span class="f-point">申請利率低、期限長的方案來取代利率高、期限短的債務,就能有效減輕負擔?/li>
  • 整合多筆債務?/strong>如果名下債務過多,非常容易記錯繳款日期及金額,可申請代償貸款來整合債務,不僅讓名下債務變單純,每月也只須向同一間貸款機構還?/span>?/li>
  • 提升信用分數?/strong>遲繳的卡費、循環利息、負債比過高等情況都會影響聯徵信用分數,申請代償高利後只要能準時還款,可有效提升信用評分,有助於提高未來申貸、辦信用卡的過件率?/li>
?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!

哪些情況適合申請代償?/h2>

若你剛好有以?種狀況,可以考慮辦理代償?/p>

  • 想辦?strong>增貸但房屋沒有增值空?/li>
  • 貸款額度不足,無法應付資金缺?/li>
  • 每月還款負擔較大,希望能轉貸降息
  • 本身有信用瑕疵,想降低負?/li>
?延伸閱讀 ?a href="//danaherbertts.shop/credit-blemish-loan/" target="_blank" rel="noopener">信用瑕疵貸款會成功嗎?掌?要點就能申貸
哪些情況適合申請代償-大揚代? srcset=

代償管道有哪些?

目前申請代償的管道可分為2個,差異如下?

銀行代?/h3>

目前銀行提供信用卡餘額代償、房貸代償、信貸代償等方案,只要是屬於金融機構的債務,銀行間都可以互相代償。由於對銀行來說,承作代償高利業務須承擔一定風險,因此只有部分銀行有受理,且審核較嚴格,若是信用不佳,申請代償銀行貸款就不容易通過?

民間代償

民間代償是指向當舖、代書?strong>租賃公司等民間管道申請代償,民間代償機構的審核寬鬆,即使有信用瑕疵、債務協商等條件也都可以申請,且額度較高、辦理快速,是適合所有民眾申辦的代償管道?
銀行代?/th> 民間代償
代償項目 •房貸代?br/> •信貸代?br/> •信用卡餘額代償 •信貸代?br/> •汽機車貸款代償
•一二胎房地貸款代償
申請條件 •信用正?br/> •過去沒有遲繳貸?br/> •負債比不超?2?br/> •薪轉工作滿3?個月以上 •有抵押品或穩定工作、收?br/> •信用瑕疵、負債比過高等情況皆可辦?
優點 •利率較? •借貸風險較低 •條件簡? •審核寬? •辦理快? •過件率?
缺點 •審核嚴? •條件限制多 •辦理時間較?/td> 利率略高

代償流程

  1. 提出申請?/strong>選擇好代償機構和方案,並準備需要申請的相關文件資料後提出申請?/li>
  2. 評估審核?/strong>代償機構會評估貸款人的信用、工作收入,若有抵押品,也會為抵押品鑑價,審核完成後會規劃合適的方案?/li>
  3. 對保簽約?/strong>貸款人同意方案後,雙方就會約當面對保,確定貸款利率、金額、年限等沒問題後即可簽約?/li>
  4. 抵押設定?/strong>如果有抵押品,必須到相關機構辦理抵押權設定或動保設定(信貸不用經此步驟)?/li>
  5. 完成撥款?/strong>完成上述流程後就會撥款到指定帳戶,之後向代償機構按時還款即可?/li>

代償要準備哪些文件?

  • 勞保明細
  • 財產清單
  • 戶籍謄本
  • 薪轉存摺封面影本
  • 其他代償機構規定的文?/li>
  • 雙證件正本+影本(正本僅供核對身分使用)
※貼心提醒:若申請房地代償,須再準備不動產相關資料?/span>

代償常見問題

代償的用意就是借利率低的貸款償還利率高的貸款,以此減輕負擔?span class="f-point">無論是銀行代償、民間代償都不會影響個人信用評分,民眾不必擔心喔?/div>

可以?strong>大揚代書可協助你清償民間高利貸款,降低利息及月付金,協助你成功擺脫高利貸款的壓力?/p>

清償意思是由貸款人本人將所有債務還?/span>,代償則是指貸款人請其他債權人協助代為清償債務?/div>

結語

以上就是代償的說明,透過申請代償,可有效整合債務,還可能獲得延長繳款期限、擁有多餘資金等優惠條件。若想申請民間代償,歡迎聯絡大揚代書,讓我們為你訂製合適方案,盡快解決還款困難?/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>

這篇文章 代償貸款如何辦理?申請管道、流程一次了解! 最早出現於 大揚代書?/p> ]]> ֙CXgٽ܇Ϣ //danaherbertts.shop/kaohsiung-loan-balance/ Tue, 31 Jan 2023 02:39:20 +0000 //danaherbertts.shop/?p=34568 高雄代償是什麼?一次看懂債務解?大重點! 債務繁多,每月還款壓力大,又容易忘記繳款日期怎麼辦呢?別擔心!高?[…]

這篇文章 高雄代償是什麼?一次看懂債務解?大重點! 最早出現於 大揚代書?/p> ]]>

高雄代償是什麼?一次看懂債務解?大重點!

高雄代償是什麼?一次看懂債務解?大重點!-大揚代? srcset=

債務繁多,每月還款壓力大,又容易忘記繳款日期怎麼辦呢?別擔心!高雄代償能為您解套!這篇文章要帶您了解高雄代償的意思、優點以及申辦管道,幫助您找到適合自己的代償方案,迅速解決資金困難!趕快跟著我們看下去吧!

內容目錄

高雄代償意思?

代償意思是代為清償,指由另一家銀行或民間貸款公司協助清償原本的貸款,並轉貸到代償機構,通常都是以低利率方案來代償高利率貸款;辦理代償之後,可降低利率和每月繳款金額,甚至能提高貸款額度,同時也能將多筆債務整合起來,未來只須向一家機構繳款即可?
代償又稱為「代償高利」、「餘額代償」,從上面的解說可知道,代償其實和整合負債、轉貸的概念一?/span>,都是將貸款轉移到別家機構,藉此減輕負擔、增加資金。當您發現原貸款利率和月付金太高、額度不夠,或債務太多導致遺漏還款日期時,就可考慮辦理債務代償?
?延伸閱讀 ?a href="//danaherbertts.shop/integrate-debt/" target="_blank" rel="noopener">整合負債是什麼?7大超詳細全攻略都在這!

高雄代償有什麼好處?

辦理高雄代償有以下優點:

  • 減輕每月負擔
    透過轉貸降息,可減少貸款利息與月繳金額,減輕債務負擔?/li>
  • 拉長還款年限
    申請代償後,代償機構會重新評估貸款方案,有機會拉長還款年限?/li>
  • 增加貸款額度
    若評估後發現可貸額度比債務餘額更多,貸款人就能獲得多的資金運用?/li>
  • 整合多筆債務
    若代償方案額度較高,可清償繁雜的債務,未來就只剩下這筆代償貸款要還,省去多家機構繳款的麻煩,也可避免搞混繳款日而忘記還款?/li>
  • 培養信用分數
    您可能想問「代償會影響信用嗎?」代償就像一般的貸款服務,並不會有信用不良的註記,而其實透過代償降低利率、整合債務後?span class="f-point">若貸款人未來能按時還款,對個人信用評分反而是有正面影響的?/span>?/li>
代償?大優點-大揚代書

高雄代償有哪些管道?

銀?/h3>

雖然銀行利率較低,但並非每家銀行都有提供代償服務,且銀行審核嚴格,貸款人須信用分數正常、能提供財力證明才有機會申辦,若信用瑕疵、負債比過高、收入不穩定就容易被拒絕。另外要注意?span class="f-point">銀行只能代償其他銀行或農會等金融機構的貸款,民間貸款不在範圍內喔!

民間

例如代書事務所、融資公司等機構。民間代償門檻低?span class="f-point">不限制貸款人的信用狀況,只要能提供足夠的擔保就能申請代償,且對於貸款額度的評估也較彈性;過件率高、審核快速,是解決債務問題的好管道喔?

高雄代償應備文件?/h2>

  • 雙證?/li>
  • 全戶戶籍謄本
  • 撥款存摺封面影本
  • 原貸款近1年繳款明?/li>
  • 印鑑章、印鑑證明(房地貸款用)
  • 土地、建物所有權狀(房地貸款用?/li>
  • 財力證明(如薪轉證明、扣繳憑單等?/li>

高雄代償辦理流程?/h2>

  1. 申請:準備文件向代償機構提出申請?/li>
  2. 評估:代償機構根據貸款人、擔保品資料評估是否核准貸款,並回報方案給貸款人?/li>
  3. 對保:確認貸款意願,雙方約定時間、地點對保簽約?/li>
  4. 設定:至地政機關將代償機構設定為第二順位抵押權人。(信貸無此步驟?/li>
  5. 代償:機構代償原本的貸款,原貸款機構核發代償證明及相關文件?/li>
  6. 塗銷:至地政機關塗銷原貸款抵押權,並將代償機構改為第一順位抵押權人。(信貸無此步驟?/li>

結語

貸款管道非常多,若一不小心落入高利貸陷阱,或者向銀行貸款後發現更優惠的方案,就能利用高雄代償來解決!若您有民間代償高利的需求,歡迎聯繫大揚代書,我們會為您規劃最適合的方案,讓您不再被債務壓得喘不過氣!

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>

這篇文章 高雄代償是什麼?一次看懂債務解?大重點! 最早出現於 大揚代書?/p> ]]> 【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">代償會影響信用嗎</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 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" aria-controls="elementor-tab-content-1392" 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:代償高利有額度限制嗎?</a> </div> <div id="elementor-tab-content-1392" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1392"><p>沒有!無論是代償錢莊或代償小額,任何金額的債務問題都可以向大揚提出諮詢,專員會依照提供的文件盡力提供適合且負擔低的代償方案?/p><p><span style="color: #66593c; background: #F9F6F1;"><strong>?延伸閱讀 ?a href="//danaherbertts.shop/people-penny-loan/" target="_blank" rel="noopener">民間小額借款如何辦理?分鐘快速了解!</a></strong></span></p></div> </div> <script 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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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