關於信貸增貸額度 的大小事,大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E4%BF%A1%E8%B2%B8%E5%A2%9E%E8%B2%B8%E9%A1%8D%E5%BA%A6/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Tue, 23 Jul 2024 09:09:19 +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>關於信貸增貸額度 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>信貸增貸:符?項條件才能提升過件率並增?/title> <link>//danaherbertts.shop/credit-loan-increase/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Mon, 25 Apr 2022 02:43:58 +0000</pubDate> <category><![CDATA[個人信貸]]></category> <category><![CDATA[三個月內增貸]]></category> <category><![CDATA[信貸增貸]]></category> <category><![CDATA[信貸增貸利率]]></category> <category><![CDATA[信貸增貸條件]]></category> <category><![CDATA[信貸增貸額度]]></category> <category><![CDATA[信貸多久可以增貸]]></category> <category><![CDATA[已經有貸款還可以貸嗎]]></category> <category><![CDATA[有信貸還能再貸嗎]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=28846</guid> <description><![CDATA[<p>信貸增貸:符?項條件才能提升過件率並增?有信貸還能再貸嗎?許多人在申請銀行信貸後又另有資金需求,此時信貸?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/credit-loan-increase/">信貸增貸:符?項條件才能提升過件率並增?/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="28846" class="elementor elementor-28846" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-20388152 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="20388152" 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-46b88775" data-id="46b88775" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7036b6b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7036b6b2" 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-1657657f" data-id="1657657f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1002dec1 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="1002dec1" 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">信貸增貸額度</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-577bbf3 elementor-widget elementor-widget-heading" data-id="577bbf3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">信貸增貸:符?項條件才能提升過件率並增?/h1> </div> </div> <div class="elementor-element elementor-element-50e8fd1a elementor-widget elementor-widget-image" data-id="50e8fd1a" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="571" src="//danaherbertts.shop/wp-content/uploads/2022/04/credit-loan-increase.png" class="attachment-large size-large wp-image-42946" alt="信貸增貸:符?項條件才能提升過件率並增額-大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2022/04/credit-loan-increase.png 1024w, //danaherbertts.shop/wp-content/uploads/2022/04/credit-loan-increase-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2022/04/credit-loan-increase-768x548.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-392685d3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="392685d3" 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-15a5b719 elementor-widget elementor-widget-text-editor" data-id="15a5b719" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>有信貸還能再貸嗎?許多人在申請銀行信貸後又另有資金需求,此時信貸增貸就能填補資金缺口,然而符合哪些條件才容易過件呢?本文將與你分享如何增加額度又能節省利息的小祕訣!</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6afb60b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6afb60b" 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-551a98a4" data-id="551a98a4" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4896516c elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="4896516c" 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-1746459e" data-id="1746459e" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-87719e7 elementor-widget elementor-widget-heading" data-id="87719e7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信貸增貸是什麼?有哪些種類?</h2> </div> </div> <div class="elementor-element elementor-element-48d66243 elementor-widget elementor-widget-text-editor" data-id="48d66243" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信貸增貸就是在已經申辦過信用貸款的前提下,因有其他資金需求,向原貸款機構或其他貸款機構再申請另一筆信用貸款,增加可周轉資金。申請信貸增貸時,通常貸款機構會重新評估申貸人的財務與信用狀況,確保申貸人具備償還能力。信貸增貸可分為下列3種:</p> </div> </div> <div class="elementor-element elementor-element-190629e elementor-widget elementor-widget-heading" data-id="190629e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">原銀行增?/h3> </div> </div> <div class="elementor-element elementor-element-3a22280 elementor-widget elementor-widget-text-editor" data-id="3a22280" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信貸增貸的第一種類型,就是向原本申請信貸的銀行額外申請增貸,如果原貸?年內的還款狀態正常,且平常與銀行互動良好,核貸的可能性就很高?/p> </div> </div> <div class="elementor-element elementor-element-12a95dee elementor-widget elementor-widget-heading" data-id="12a95dee" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">他行增貸</h3> </div> </div> <div class="elementor-element elementor-element-4fa71dd5 elementor-widget elementor-widget-text-editor" data-id="4fa71dd5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>他行增貸則是向原貸款銀行以外的機構,再另外申請一筆新的信用貸款,適合財力收入穩定、信用狀況優良的人申請?/p> </div> </div> <div class="elementor-element elementor-element-afa64d4 elementor-widget elementor-widget-heading" data-id="afa64d4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">他行轉增?/h3> </div> </div> <div class="elementor-element elementor-element-e704d1a elementor-widget elementor-widget-text-editor" data-id="e704d1a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>將原信貸款項清償,並轉移至其他銀行重新申請信貸,可降低利率,也有額外資金可使用,且只需要面對單一銀行,省時又省利?/p> </div> </div> <div class="elementor-element elementor-element-7195abb3 elementor-widget elementor-widget-text-editor" data-id="7195abb3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/lowest-cl-interest-rate/" target="_blank" rel="noopener">信貸利率最低要找誰?速解財務問題一應俱?/a></b> </div> </div> <div class="elementor-element elementor-element-67896572 elementor-widget elementor-widget-heading" data-id="67896572" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請信貸增貸條件有哪些?</h2> </div> </div> <div class="elementor-element elementor-element-257e08e elementor-widget elementor-widget-text-editor" data-id="257e08e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>想辦理銀行信貸增貸的申請人,必須具備以下6項條件:</p><ul><li><strong>有穩定的工作與收?/strong><strong><br /></strong><span class="f-point">建議工作?年以上再申請較容易過?/span>,且每月收入會決定信貸增貸額度,最高不可超?a href="//law.fsc.gov.tw/LawContent.aspx?id=FE052046&kw=dbr22">DBR 22?/a>的上限?/li></ul><ul><li><strong>具備良好的財力狀?/strong><strong><br /></strong>申請人最好要<span class="f-point">有穩定的工作收入且有薪轉證明</span>,才足以說服銀行自己具備還款能力?/li><li><strong>負債比不超過</strong><strong> 22 </strong><strong>?br /></strong>和申請信貸一樣,<span class="f-point">本身負債也要在可負擔範圍?/span>,若原本的負債比已超出金管會規定的上?2倍,想申請信貸增貸就很難過件?/li></ul><ul><li><strong>過去無信用瑕疵紀?/strong><strong><br /></strong>若過去信用卡及原本的信貸<span class="f-point">每期皆準時全額繳清,?個月內最多也只申?家以內的銀行信貸,在聯徵中心信用報告上較不會有瑕疵紀錄,申請信貸增貸較容易通過?/span></li><li><strong>提供擔保品增過件?br /></strong><span class="f-point">提供有價擔保品(房屋、土地)</span>可作為加分條件,不僅能降低授信風險,也可以提升核貸機率?/li></ul><ul><li><strong>留意勿短時間內申?br /></strong>常有人問「信貸多久可以增貸」,雖然資金需求的時間性很難控制,但申辦信貸後想在三個月內增貸確實難度較高,一般會建議<span class="f-point">待原信貸穩定還款1年後再申?/span>增貸較為理想?/li></ul> </div> </div> <div class="elementor-element elementor-element-b8c6c87 elementor-widget elementor-widget-text-editor" data-id="b8c6c87" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?/b><a href="//danaherbertts.shop/credit-blemish-loan/" target="_blank" rel="noopener"><strong>信用瑕疵貸款</strong><strong>可行?/strong><strong>?/strong><strong>5</strong><strong>分鐘看完就能</strong><strong>順利申貸</strong><strong>?/strong></a> </div> </div> <div class="elementor-element elementor-element-4523252 elementor-widget elementor-widget-image" data-id="4523252" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="759" src="//danaherbertts.shop/wp-content/uploads/2022/04/bank-credit-loan-increase-condition.png" class="attachment-large size-large wp-image-42956" alt="申請銀行信貸增貸條件-大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2022/04/bank-credit-loan-increase-condition.png 1001w, //danaherbertts.shop/wp-content/uploads/2022/04/bank-credit-loan-increase-condition-300x285.png 300w, //danaherbertts.shop/wp-content/uploads/2022/04/bank-credit-loan-increase-condition-768x729.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-51aad4f elementor-widget elementor-widget-heading" data-id="51aad4f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信貸增貸額度與利率是多少?/h2> </div> </div> <div class="elementor-element elementor-element-436b2e0 elementor-widget elementor-widget-text-editor" data-id="436b2e0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>通常信貸增貸額度會視申請人工作收入、信用紀錄、貸款用途等因素,而有所不同,因此並沒有固定的金額,若想知道自己的信貸增貸額度是多少,可直接向銀行諮詢,或透過銀行線上試算工具去估算,但最後增貸額度仍須以實際核貸狀況為準?/p><p>至於信貸增貸利率則是大約?.24?6.38%,但實際利率會依申請人各項條件、貸款金額與期限而有所差異,申請前可先與銀行確認?/p> </div> </div> <div class="elementor-element elementor-element-a3570c2 elementor-widget elementor-widget-heading" data-id="a3570c2" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信貸增貸申請流程</h2> </div> </div> <div class="elementor-element elementor-element-f2d9b24 elementor-widget elementor-widget-text-editor" data-id="f2d9b24" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>提出申請</strong>:向貸款機構提出申請,進行基本諮詢,確認申請文件?/li><li><strong>評估審核</strong>:準備好相關書面文件,交給貸款機構審核,評估過後會通知信貸增貸的方案內容?/li><li><strong>對保簽約</strong>:雙方約定時間確認身分及貸款方案內容,並簽訂合約?/li><li><strong>擔保設定?/strong>若有擔保品可提供,貸款機構將會辦理抵押權設定登記;若無則無須經此步驟?/li><li><strong>核發款項</strong>:上述流程完成後,就會撥款到申貸人指定帳戶,日後記得準時還款,維持信用?/li></ol> </div> </div> <div class="elementor-element elementor-element-95f56e4 elementor-widget elementor-widget-image" data-id="95f56e4" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="748" height="124" src="//danaherbertts.shop/wp-content/uploads/2021/09/土地貸款流程?1.png" class="attachment-large size-large wp-image-14395" alt="土地貸款流程?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/09/土地貸款流程?1.png 748w, //danaherbertts.shop/wp-content/uploads/2021/09/土地貸款流程?1-300x50.png 300w" sizes="(max-width: 748px) 100vw, 748px" /> </div> </div> <div class="elementor-element elementor-element-7e466c55 elementor-widget elementor-widget-heading" data-id="7e466c55" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信貸增貸過不了該怎麼辦?</h2> </div> </div> <div class="elementor-element elementor-element-ae47f0e elementor-widget elementor-widget-text-editor" data-id="ae47f0e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信貸增貸過不了的原因多半是有信用瑕疵、負債比過高、貸款或信用卡遲繳、啟動信用卡循環利息、剛申請貸款不久、工作條件不符合銀行規定等情形,建議申請人要先養成準時還款的習慣,藉此培養良好的信用紀錄,並逐步降低負債比,待原貸款還款?年後再申請較容易過件,若是因工作條件遭拒貸,也可以找其他貸款機構諮詢?/p> </div> </div> <div class="elementor-element elementor-element-600d5da elementor-widget elementor-widget-heading" data-id="600d5da" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">信貸增貸常見問題</h2> </div> </div> <div class="elementor-element elementor-element-b21db46 elementor-widget elementor-widget-accordion" data-id="b21db46" 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-1861" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1861" 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:有信貸還能再貸嗎?已經有貸款還可以貸嗎?/a> </div> <div id="elementor-tab-content-1861" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1861"><p>若符合上?項條件,即使原先已有信貸,在申請信貸增貸時,過件率就會提高?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1862" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1862" 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:除了找銀行申請信貸增貸還能找誰?有什麼好處?</a> </div> <div id="elementor-tab-content-1862" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1862"><p>想申請信貸增貸除了可以找銀行,其實還有其他管道,假如你的工作收入不穩定、信用紀錄不良,或無法提出財力證明,找民間貸款會更有效率,也有以下優點:</p><ul><li><strong>審核條件寬鬆</strong></li><li><strong>審核時間較短</strong></li><li><strong>撥款速度較快</strong></li><li><strong>還款方式彈?/strong></li><li><strong>不限服務地區</strong></li></ul><p><strong>?/strong> <strong>延伸閱讀</strong> <strong>?/strong><a href="//danaherbertts.shop/personal-credit-loan/" target="_blank" rel="noopener"><strong>民間個人信用貸款方案也受理信貸增貸服務!</strong></a></p></div> </div> <script 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<strong>\u5ef6\u4f38\u95b1\u8b80<\/strong> <strong>\u300b<\/strong><a href=\"https:\/\/danaherbertts.shop\/personal-credit-loan\/\" target=\"_blank\" rel=\"noopener\"><strong>\u6c11\u9593\u500b\u4eba\u4fe1\u7528\u8cb8\u6b3e\u65b9\u6848\u4e5f\u53d7\u7406\u4fe1\u8cb8\u589e\u8cb8\u670d\u52d9\uff01<\/strong><\/a><\/p>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-225bbf8 elementor-widget elementor-widget-heading" data-id="225bbf8" 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-85f9bee elementor-widget elementor-widget-text-editor" data-id="85f9bee" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>希望看完本篇的你對於信貸增貸有初步了解,如果向銀行貸不過或是對於增貸額度和利率不甚滿意,也歡迎向大揚代書預約免費諮詢,相信我們的貸款專業能帶你度過任何資金危機!</p> </div> </div> <section 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