òýXJýƽ̨pttCX //danaherbertts.shop/credit-score/ Tue, 18 Jul 2023 02:53:14 +0000 //danaherbertts.shop/?p=40589 信用評分是什麼？9項要點帶你深入了解！ 信用卡和貸款申請核准與否，都和個人信用評分息息相關，「信用」代表的是?[…]

這篇文章 信用評分是什麼？9項要點帶你深入了解！ 最早出現於 大揚代書?/p> ]]>

信用評分是什麼？9項要點帶你深入了解！

信用評分是什麼？9項要點帶你深入了解！－大揚代? /> </div> </div> <div class=

信用卡和貸款申請核准與否，都和個人信用評分息息相關，「信用」代表的是個人還款能力與償債表現，而銀行也會參考這兩項指標決定申請人的信用卡額度和貸款利率。本文將深入介紹信用評分相關知識，幫助你更了解信用分數與個人之間的影響?/p>

內容目錄

信用評分是什麼？

信用評分是指財團法人金融聯合徵信中心（以下簡稱聯徵中心）根據個人借款、還款、債務紀錄等揭露期限內的資料，運用統計分析與演算而得的分數，主要是用?span class="f-point">預測當事人未來一年是否能履行還款義務的信用風險，協助金融機構評斷當事人是否具還款能力?

換句話說，信用評分就是銀行用來判斷個人信用是否具備信用卡、貸款申請資格。要特別留意的是，在某一時間點進行個人信用評分查詢，其結果僅能代表當事人在該時間點的信用風險，未來當事人的信用資料如有異動，個人信用評分也會有所改變?/p>

信用評分採用資料有哪些？

聯徵中心針對個人信用評分模型所採計的信用資料，可分為以?類：

繳款行為類信用資?/h3>

包含個人過去在信用卡、授信借貸、票據、融資租賃交易的還款行為表現，可了解當事人的貸款或信用卡還款情況、是否有不良繳款紀錄，並記錄其延遲還款的嚴重程度、發生頻率、發生延遲繳款的時間點等?/p>

負債類信用資?/h3>

指個人信用的擴張程度，包含以下3類資料：

  • 負債總額：如信用卡額度使用率、授信借款往來金融機構數量?/li>
  • 負債型態：如信用卡是否預借現金、是否使用循環信用、授信是否有擔保品?/li>
  • 負債變動幅度：如授信餘額連續減少月份數?/li>

其他類信用資?/h3>

包含以下3類相關資料：

  • 信用長度類：如目前有效信用卡正卡中使用最久之月份數?/li>
  • 新信用申請類：如金融機構至聯徵中心之新業務查詢次數?/li>
  • 保證人資訊類?/li>
※溫馨提醒：信用卡額度使用率＝（應繳金額＋未到期金額）?信用卡額?/strong>

?延伸閱讀 ?br />信用卡遲繳該怎麼辦？以後還能申請貸款嗎？
信用?/strong>預借現?/strong>會影響信用嗎?/strong>先看懂?件事?/strong>

信用評分項目?大類－大揚代? srcset=

信用評分多久更新一次？

個人信用評分會隨著金融機構每月報送的資料、過去信用紀錄的揭露期限而有所變更，包含每月新增的信用卡費、未清償的卡費、已償還的貸款款項等。也就是說，只要準時還款、降低負債比率，信用評分就會逐漸提升?/p>

實際上信用不良紀錄的揭露期限有長有短，短?個月、長?0年才會消除，以下列出常見的信用瑕疵項目與揭露期限?/p>

信用瑕疵項目 揭露期限
信用卡催收及呆帳紀?/td> 自清償日起揭?個月
信用卡呆帳紀錄未清償 自轉銷日起揭??/td>
信用卡費未繳遭強制停卡且未清?/td> 自停卡日起揭??/td>
信用卡呆帳紀錄未清償 自轉銷日起揭??/td>
信用卡費未繳遭強制停卡但已清?/td> 自清償日起揭?個月，最長不超過自停卡日??/td>
借款逾期未還、催收及呆帳紀?/td> 自清償日起揭???/td>
警示帳戶通報資料 自通報日起揭露2年（若經原通報機關延長者則揭露3年）
退票紀?/td> 自退票日或通報日起揭露3?/td>
前置協商不成?/td> 結案日起?個月
前置協商成立 履約完成日或提前清償日加1?/td>
破產宣告紀錄、清算裁定註?/td> 自宣告日或裁定開始清算日起揭?0?/td>

?延伸閱讀 ?br />警示帳戶是什麼？想要解凍帳戶只要4步驟?/strong>
前置協商分享：幫你的債務打掉重練及信用重新來?/strong>

信用評分標準有哪些種類？

聯徵中心依據其信用評分標準，會評定出3種結果：

  1. 有信用評分（200?00分）
    若當事人具有信用評分，聯徵中心就會揭露實際分數（200?00分），並提供分數的百分區位間。若分數越高（例如信用評?00分或趨近?00分），代表信用越好、還款能力佳；若分數越低，代表信用品質有待改善、還款能力恐有疑慮，在申請貸款或信用卡時較難審核通過或很難申請到高額度?/li>
  2. 給予固定評分?00分）
    當事人雖有信用不良紀錄，但仍有金融機構願意往來（即當事人也有其他正常的信用交易紀錄），聯徵中心就會給予固定評?00分。只要出現下列任一情形，就代表有信用不良紀錄：
    • 貸款逾期未還款、遭催收、出現呆?/li>
    • 信用卡遭強制停卡、催收、出現呆?/li>
    • 支票存款戶被金融機構列為拒絕往來戶
  3. 此次暫時無法評分（沒有分數）
    若有下列其中一種情況，聯徵中心暫時不予以評分：
※溫馨提醒：「監護宣告」是指對於精神障礙或其他心智缺陷，致不能為意思表示或受意思表示，或不能辨識其意思表示效果者，法院得依聲請人之聲請，為監護之宣告?/strong>

信用評分多少算高?/h2>

信用評分滿分?00分，200?00分是聯徵中心給予的有效信用評分，以下列出信用分數及其代表的意義：

  • 650?00分：只要?50分以上，多數銀行都會通過貸款審核，且分數越高，貸款利率就會越佳?/li>
  • 低於650分：即使貸款核貸，利率也會偏高，建議要挑選願意受理的銀行?/li>
  • 低於550分：屬於信用評分中下評級，除非工作或財力條件極佳，否則申請貸款較難過件?/li>
  • 低於400分：即屬信用不佳、信用瑕疵的情況，申請貸款通常無法過件?/li>

哪些情況會造成信用評分降低?/h2>

  1. 信用過度擴張?/strong>包含負債總額、使用信用卡預借現金功能、卡費只繳最低應繳金額導致循環利息產生、信用卡使用額度過高（超?0%）?/li>
  2. 信用卡資料不足：包含未持有信用卡、持有信用卡時間長度過短（例如隨意剪卡）?/li>
  3. 有各項未繳款紀錄：貸款、信用卡遲繳，或發生頻率高?/li>
  4. 聯徵查詢次數過多?/strong>3個月內銀行查詢次數超?次，表示有急迫的資金需求，也會導致信用評分降低?/li>
  5. 信用卡使用狀況不佳：?2個月應繳金額未大?、信用卡永久額度未調升等?/li>

如何提升信用評分?/h2>

只要避開上述降低信用評分的情況，並力?span class="f-point">正常還款、控制負債程度，且須維持3個月以上，才能逐漸提升信用評分，以下分享一些可以提升信用評分的小訣竅：
  1. 準時全額繳款
  2. 不要隨意剪卡
  3. 不要刷爆信用?/li>
  4. 不要成為信用小白
  5. 有效分配收入並控制消?/li>
  6. 不要預借現金、啟動循環利?/li>
  7. 避免申請不必要的信用卡造成過度消費
  8. 減少債務項目，可利用債務整合減輕負債，而不是使用債務協?/li>

個人信用評分查詢方式

個人信用評分會列示於「當事人綜合信用報告」中，當事人可透過以下方式申請並查詢信用評分：

書面查詢信用評分

  • 臨櫃：本人親臨或委託他人至聯徵中心櫃檯辦理?/li>
  • 郵寄：本人至郵局郵寄辦理?/li>
  • 郵局代收代驗：本人親臨郵局儲匯窗口辦理?/li>

線上查詢信用評分

  • 電腦查閱：使用電腦連上聯徵中心個人線上查閱信用報告服務後，以自然人憑證或銀行／證券／保險業等金融機構核發的軟體金融憑證登入?/li>
  • 行動裝置查閱：使用智慧型手機或平板電腦，搜尋「TW投資人行動網」（App Store?a href="//play.google.com/store/apps/details?id=com.twca.twid.android.prod&hl=zh_TW&gl=US">Google Play），安裝App並完成憑證申請，即可進行信用評分查詢，手機或平板皆可?/li>

信用評分常見問題

信用評分滿分?00分，一般來?50?00分者容易獲得較好的貸款利率，越接近滿分者，申請條件會越好，因此700分算是不錯的信用分數?/p>

當事人本人查詢信用報告的紀錄不會納入評分模型，因此不會影響信用評分?/p>

信用卡持有張數多寡與信用風險並沒有顯著的關聯性，聯徵中心也不會將信用卡張數列入影響評分項目，因此不會影響信用評分?/p>

信用卡分期付款可分為預借現金分期、帳單分期（整筆帳單款項分期）、消費分期（單筆消費款項分期?/span>3種，預借現金代表個人有急迫資金需求，帳單分期就等於實質借貸且風險較高，因此聯徵中心會將?種納入影響評分的項目；至於消費分期屬於消費行為，因此不會列入影響信用評分的項目?/div>

結語

俗話說「凡走過必留下痕跡」，所有和金融機構往來的紀錄都會影響個人信用，不論你的信用分數是多少，努力維持或提升信用評分是降低信用風險的不二法門，因此做好財務管理才能獲得更好的條件，日後有求於金融機構時較容易過件?/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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left;">依銀行核定，1年～7年?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款利率</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">0.88%?.99%（依銀行當期利率核定）</td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: center;">檢附文件</th> <td style="border-right:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: left;">身份證、收入證明、在職證明、財力證明文件?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款額度</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">依個人狀況核定?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; border-bottom:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: center;">撥款方式</th> <td style="border-bottom:3px #b9a88e solid;border-right:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: left;">一次全額撥貸，貸款本金一次核撥，撥貸後依年金法計算，並按月繳息（即月付金）?/td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2e783ba elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2e783ba" 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-100 elementor-top-column elementor-element elementor-element-141ecd1" data-id="141ecd1" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-bd6bd30 elementor-widget__width-inherit elementor-widget elementor-widget-heading" data-id="bd6bd30" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行代?大好?/h2> </div> </div> <div class="elementor-element elementor-element-8ad90a4 elementor-widget elementor-widget-lae-services" data-id="8ad90a4" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="合適貸款方案 – 大揚代書" title="合適貸款方案 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">合適貸款方案</h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="低利高額?– 大揚代書" title="低利高額?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">低利高額?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="提高過件?– 大揚代書" title="提高過件?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">提高過件?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="申辦過程快?– 大揚代書" title="申辦過程快?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">申辦過程快?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="免費諮詢服務 – 大揚代書" title="免費諮詢服務 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢服務</h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> <div class="elementor-element elementor-element-b8b2771 elementor-widget elementor-widget-html" data-id="b8b2771" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="background-color:#e8dccc; vertical-align: middle; text-align: center; font-size:20px;" colspan="3"><u>自辦貸款</u> vs <u>代辦貸款</u> <br>差別比較</th></tr> <tr> <th style="background-color:#f9f5ef; vertical-align: middle; text-align: center;" width="12%">項目</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">自辦貸款</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">代辦貸款</th> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">利率額度</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >貸款資訊知識不足，較難貸到理想方?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >專業的貸款顧問協助爭取更好條?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">貸款方案</th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >只獲1家銀行方案（無法一次多家比較）</td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >多家銀行同時評估（快速找到適合自身的銀行方案）</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">審核時間</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較慢，不熟悉流程，且要自己請假去處理</td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較快，因熟悉銀行作業流程，可縮短申請時?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">過件?/th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較低，信用不佳等因素容易退?/td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較高，量身規劃客製服務，並避免浪費聯徵次數</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">適用對象</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">信用條件優良、受銀行喜愛職?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">急用錀信用瑕?小白、被銀行拒貸、想要有更好貸款條件</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-fa28e39 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="fa28e39" 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-100 elementor-top-column elementor-element elementor-element-f3de830" data-id="f3de830" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-905a353 elementor-widget elementor-widget-heading" data-id="905a353" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default"><span style="border-bottom:#34324a 5px solid;padding-bottom:3px;">六大優勢</span></h2> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-89a57b0 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="89a57b0" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a6621d" data-id="1a6621d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-8dc7325 elementor-widget elementor-widget-lae-services" data-id="8dc7325" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" title="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/one.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">政府推薦</h3> <div class="lae-service-details">擁有近五十年實務經驗的優良店家，政府合法，專業經營?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? title="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/two.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">實體店面</h3> <div class="lae-service-details">大揚是擁有實體店面的店家，讓您看的到，能夠借得更安心?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? title="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/three.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">撥款快?/h3> <div class="lae-service-details">貸款門檻低，利率低，額度高，而且急件最快就能當天撥款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> <div class="elementor-element elementor-element-6d4569f elementor-widget elementor-widget-lae-services" data-id="6d4569f" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? title="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/four.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">過件率高</h3> <div class="lae-service-details">提供各式貸款項目，為您規劃最合適的專案，提高貸款過件率！</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? title="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/five.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">全台服務</h3> <div class="lae-service-details">大揚服務範圍不受地區限制，全台經營，離島地區也能辦理?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" title="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/six.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">專業諮詢</h3> <div class="lae-service-details">24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-c7ca8ef elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="c7ca8ef" 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-100 elementor-top-column elementor-element elementor-element-1a9da64" data-id="1a9da64" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-f27da45 elementor-widget elementor-widget-heading" data-id="f27da45" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸簡?步驟</h2> </div> </div> <div class="elementor-element elementor-element-ede03c0 elementor-widget elementor-widget-text-editor" data-id="ede03c0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h5 style="text-align: center;">專業快速、誠信保?/h5> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-7bcb255 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7bcb255" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1059c4a" data-id="1059c4a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-286e928 elementor-widget elementor-widget-lae-services" data-id="286e928" data-element_type="widget" data-settings="{"per_line":"5","per_line_tablet":"2","per_line_mobile":"1"}" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-desktop-5 lae-grid-tablet-2 lae-grid-mobile-1" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/提出申請-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：提出申請 – 大揚代書" alt="申貸五步驟：提出申請 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢</h3> <div class="lae-service-details">貸款或債務上的問題，詳細了解申貸人的需求，提供申貸建議?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/準備文件-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：準備文件 – 大揚代書" alt="申貸五步驟：準備文件 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">篩選方案</h3> <div class="lae-service-details">貸款顧問會先詢問蒐集你的資料及信用條件進行評估?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/審核評估-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：審核評估 – 大揚代書" alt="申貸五步驟：審核評估 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">銀行審?/h3> <div class="lae-service-details">專員與銀行進行溝通，提高過件率，銀行會依據申貸人的條件進行審核?</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/簽約對保-1-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：簽約對保 – 大揚代書" alt="申貸五步驟：簽約對保 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">簽約對保</h3> <div class="lae-service-details">銀行貸款核准後，申貸人與銀行進行對保，確認核貸金額、還款利率、期限等規範?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/撥款入帳-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：撥款入帳 – 大揚代書" alt="申貸五步驟：撥款入帳 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">完成撥款</h3> <div class="lae-service-details">對保完成，待銀行撥款至帳戶，代辦公司向申貸人收取手續費?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-cc42a19 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="cc42a19" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5880898" data-id="5880898" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-9ae23e1 elementor-widget-divider--separator-type-pattern elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="9ae23e1" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider" style="--divider-pattern-url: url("data:image/svg+xml,%3Csvg xmlns='//www.w3.org/2000/svg' preserveAspectRatio='none' overflow='visible' height='100%' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1' stroke-linecap='square' stroke-miterlimit='10'%3E%3Cpath d='M0,6c6,0,0.9,11.1,6.9,11.1S18,6,24,6'/%3E%3C/svg%3E");"> <span class="elementor-divider-separator"> </span> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-ba3e729 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ba3e729" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d10e69b" data-id="d10e69b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3266378 elementor-widget elementor-widget-heading" data-id="3266378" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸常見問?/h2> </div> </div> <div class="elementor-element elementor-element-1981935 elementor-widget elementor-widget-toggle" data-id="1981935" data-element_type="widget" data-widget_type="toggle.default"> <div class="elementor-widget-container"> <div class="elementor-toggle"> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2671" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2671" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信用貸款需要什麼條件？</a> </div> <div id="elementor-tab-content-2671" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2671"><p>不同銀行的信貸條件可能有差異，不過基本上離不開以下幾項?br />1.年滿18歲的中華民國國民<br />2.現職工作至少任職?個月<br />3.信用紀錄良好，有正常還款能?br />4.有穩定的工作收入，可提供薪資證明</p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/apply-personal-credit-loan/" target="_blank" rel="noopener">個人信貸有什麼優缺點?步驟速取周轉資金</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2672" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2672" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">信用小白可以申請銀行信貸嗎?/a> </div> <div id="elementor-tab-content-2672" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2672"><p>信用小白沒有任何信用紀錄，銀行難以評估申請人的風險，所以通常會拒絕核貸。不過申請人<span class="f-point">可以盡量提出有力的財力證明來佐證還款能力</span>，或者若不著急用錢，<span class="f-point">可先申辦一張信用卡並正常使用、繳費，累積信用分數</span>?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-novice-loan/" target="_blank" rel="noopener">信用小白貸款被拒？學?招就能順利脫白！</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2673" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2673" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸可以貸多少?/a> </div> <div id="elementor-tab-content-2673" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2673">受限於金管會的規範，<span class="f-point">銀行個人信貸額度不得超過平均月收入的22?/span>，且這個額度還須扣掉信用卡、現金卡等其他無擔保債務餘額?/div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2674" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-2674" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸沒過怎麼辦？</a> </div> <div id="elementor-tab-content-2674" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-2674"><p>若申辦信貸沒過，<span class="f-point">可以向銀行提出「申覆?/span>，也就是重新審核貸款，這時候要補交對自己有利的資料，才能提高過件率。不過，若信貸沒過的原因是信用評分不足的話，就算補交財力證明也不容易申覆成功?span class="f-point">建議先培養好信用再重新申請貸?/span>?/p><p><span style="color: #66593c; background: #F9F6F1;"><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></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2675" class="elementor-tab-title" data-tab="5" role="button" aria-controls="elementor-tab-content-2675" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行信貸利率有陷阱嗎？</a> </div> <div id="elementor-tab-content-2675" class="elementor-tab-content elementor-clearfix" data-tab="5" role="region" aria-labelledby="elementor-tab-title-2675"><p>銀行信貸利率經常寫得很誘人，要注意的是?span class="f-point">廣告上所寫的最低利率通常都是前期優惠，後期就會調?/span>，而且信貸的實際利率是依個人條件核定的，<span class="f-point">申請人不一定能得到銀行所公告的最低利?/span>，因此銀行廣告的利率參考就好，千萬不要單純以它來挑選方案?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/credit-loan-trap/" target="_blank" rel="noopener">信用貸款陷阱破解大全?要點了解其中關鍵</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-2676" class="elementor-tab-title" data-tab="6" role="button" aria-controls="elementor-tab-content-2676" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">循環信貸是什麼？</a> </div> <div id="elementor-tab-content-2676" class="elementor-tab-content elementor-clearfix" data-tab="6" role="region" aria-labelledby="elementor-tab-title-2676"><p>循環型信貸又稱為理財型信貸，和一般信貸不同的地方在於它不是直接獲取一整筆資金，而是<span class="f-point">銀行核可一個額度，申請人在額度內可隨借隨還，提領後才開始以日計息，當日借還還免利息</span>。雖然方便，但循環信貸的手續費和利率都會比一般信貸還要高?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/revolving-credit-loan/" target="_blank" rel="noopener">循環型信貸好便利？申請前你該知道?件事</a></b></span></p></div> </div> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-cf6c9a4 elementor-section-content-middle phone elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="cf6c9a4" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-406719ab" data-id="406719ab" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-66e38db8 elementor-widget elementor-widget-heading" data-id="66e38db8" 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-53105e14 elementor-widget elementor-widget-text-editor" data-id="53105e14" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>任何代書相關問題都歡迎來找大揚，我們提供事前的免費諮詢，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-top-column elementor-element elementor-element-66811f75" data-id="66811f75" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5299d02 elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="5299d02" data-element_type="widget" data-widget_type="social-icons.default"> <div class="elementor-widget-container"> <div class="elementor-social-icons-wrapper elementor-grid"> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon 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elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="b1b0c80" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider" style="--divider-pattern-url: url("data:image/svg+xml,%3Csvg xmlns='//www.w3.org/2000/svg' preserveAspectRatio='none' overflow='visible' height='100%' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1' stroke-linecap='square' stroke-miterlimit='10'%3E%3Cpath d='M0,6c6,0,0.9,11.1,6.9,11.1S18,6,24,6'/%3E%3C/svg%3E");"> <span class="elementor-divider-separator"> </span> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2ece29a elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2ece29a" 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-100 elementor-top-column elementor-element elementor-element-3cc925b" data-id="3cc925b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d50d398 elementor-widget elementor-widget-heading" data-id="d50d398" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行信貸相關文?/h2> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-a0ab04b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="a0ab04b" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container 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