關於哪一家房貸利率最?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E5%93%AA%E4%B8%80%E5%AE%B6%E6%88%BF%E8%B2%B8%E5%88%A9%E7%8E%87%E6%9C%80%E4%BD%8E/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/哪一家房貸利率最?</link> <description></description> <lastBuildDate>Mon, 24 Feb 2025 03:31:56 +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>關於哪一家房貸利率最?的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/哪一家房貸利率最?</link> <width>32</width> <height>32</height> </image> <item> <title>銀行房屋貸款利率比較！首購房貸試算這樣?/title> <link>//danaherbertts.shop/bank-house-loan/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Mon, 13 Sep 2021 02:24:48 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[銀行貸款]]></category> <category><![CDATA[中國信託房貸]]></category> <category><![CDATA[哪一家房貸利率最低]]></category> <category><![CDATA[房屋貸款利率]]></category> <category><![CDATA[房屋貸款利率試算]]></category> <category><![CDATA[房屋貸款條件]]></category> <category><![CDATA[房屋貸款條件查詢]]></category> <category><![CDATA[房貸成數最高銀行]]></category> <category><![CDATA[房貸試算]]></category> <category><![CDATA[房貸銀行]]></category> <category><![CDATA[房貸銀行推薦ptt]]></category> <category><![CDATA[首購房貸利率]]></category> <category><![CDATA[首購房貸試算]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=14599</guid> <description><![CDATA[<p>銀行房屋貸款利率比較！首購房貸試算這樣?銀行房屋貸款哪一家房貸利率最低？這是利率升息之時大家最關心的問題！?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/bank-house-loan/">銀行房屋貸款利率比較！首購房貸試算這樣?/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="14599" class="elementor elementor-14599" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-171f2724 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="171f2724" 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-3dec1ac8" data-id="3dec1ac8" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-75a57ecd elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="75a57ecd" 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-6ebec0b0" data-id="6ebec0b0" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5d761fd0 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="5d761fd0" 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">哪一家房貸利率最?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-749ef1bd elementor-widget elementor-widget-heading" data-id="749ef1bd" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">銀行房屋貸款利率比較！首購房貸試算這樣?/h1> </div> </div> <div class="elementor-element elementor-element-705e0033 elementor-widget elementor-widget-image" data-id="705e0033" 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/2021/09/銀行房屋貸款利率比較！首購房貸試算這樣?png" class="attachment-large size-large wp-image-34053" alt="銀行房屋貸款利率比較！首購房貸試算這樣做－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/09/銀行房屋貸款利率比較！首購房貸試算這樣?png 1024w, //danaherbertts.shop/wp-content/uploads/2021/09/銀行房屋貸款利率比較！首購房貸試算這樣?300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/09/銀行房屋貸款利率比較！首購房貸試算這樣?768x548.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-3d3f5cff elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="3d3f5cff" 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-3f24fe58 elementor-widget elementor-widget-text-editor" data-id="3f24fe58" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>銀行房屋貸款哪一家房貸利率最低？這是利率升息之時大家最關心的問題！現今社會絕大多數人買房都必須倚靠銀行房屋貸款才能達成目標，正因如此，銀行房貸變成不可不知的貸款知識。本篇文章將完整介紹，從銀行貸款方案比較、房屋貸款成數有哪些影響因素，到如何申貸，有哪些注意事項全部告訴你，還加碼送你其他房屋貸款管道喔！趕快看下去吧?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-228ad898 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="228ad898" 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-274e00c8" data-id="274e00c8" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-71243b2d elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="71243b2d" 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-2567f3ef" data-id="2567f3ef" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-17be2dbc elementor-widget elementor-widget-heading" data-id="17be2dbc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">2025銀行房屋貸款方案比?/h2> </div> </div> <div class="elementor-element elementor-element-2c655df7 elementor-widget elementor-widget-text-editor" data-id="2c655df7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>大揚代書</strong>為你整理?025年各大房貸銀行方案，可以點選連結觀看更細節的房貸內容，每間銀行有不同的限制。多數人都會想問「哪一家房貸利率最低」，在此提醒你，<span class="f-point">房貸利率不是越低就越好喔，還是要考慮其他細節，並多方比較才不吃虧</span>，以下是各家銀行一般房貸與首購房貸利率等方案內容比較：</p> </div> </div> <div class="elementor-element elementor-element-bc7283f elementor-widget elementor-widget-html" data-id="bc7283f" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="25%">房貸銀?/th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="25%">房貸利率</th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="25%">貸款年限</th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="25%">貸款額度</th> </tr> <tr> <th style="vertical-align: middle; text-align:center"><a href=" //www.ctbcbank.com/twrbo/zh_tw/loan_index/house_loan/house_loan_product_house.html" target="_blank">中國信託銀?/a></th> <td style="vertical-align: middle; text-align:center">2.68%?br>機動計息</td> <td style="vertical-align: middle; text-align:center">最?0?/td> <td style="vertical-align: middle; text-align:center">最?.5?/td> </tr> <tr> <tr> <th style="vertical-align: middle; text-align:center"><a href="//www.cathaybk.com.tw/cathaybk/personal/loan/product/mortgage/" target="_blank">國泰世華銀?/a></th> <td style="vertical-align: middle; text-align:center">2.72％起<br>機動計息</td> <td style="vertical-align: middle; text-align:center">（未提供?/td> <td style="vertical-align: middle; text-align:center">最??/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//mkp.taishinbank.com.tw/TsCms/marketing/expose/WM_20190325132043672/buy-house-detail.html" target="_blank">台新銀?/a></th> <td style="vertical-align: middle; text-align: center;"> 2.68％起</td> <td style="vertical-align: middle; text-align: center;">最?0?/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//www.fubon.com/banking/personal/mortgage/home_loan/home_loan.htm" target="_blank">台北富邦銀?/a></th> <td style="vertical-align: middle; text-align: center;">2.65％起<br>機動計息</td> <td style="vertical-align: middle; text-align: center;">最?0?/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//www.skbank.com.tw/loan/HL/114" target="_blank">新光銀?/a></th> <td style="vertical-align: middle; text-align: center;">2.50%?/td> <td style="vertical-align: middle; text-align: center;">（未提供?/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//bank.sinopac.com/sinopacBT/personal/loan/mortgage/first-mortgage.html" target="_blank">永豐銀?/a></th> <td style="vertical-align: middle; text-align: center;">2.50％起<br>機動計息</td> <td style="vertical-align: middle; text-align: center;">最?0?/td> <td style="vertical-align: middle; text-align: center;">最?.5?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//www.esunbank.com/zh-tw/personal/loan/house/adjustable-rate-mortgages" target="_blank">玉山銀?/a></th> <td style="vertical-align: middle; text-align: center;">一段式利率2.5%?.95%?/td> <td style="vertical-align: middle; text-align: center;">最?0?/td> <td style="vertical-align: middle; text-align: center;">最???/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//www.firstbank.com.tw/sites/fcb/Mortgage" target="_blank">第一銀?/a></th> <td style="vertical-align: middle; text-align: center;">2.60%?/td> <td style="vertical-align: middle; text-align: center;">（未提供?/td> <td style="vertical-align: middle; text-align: center;">個人申貸條件為主</td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><a href="//www.megabank.com.tw/personal/loan/house/mortgage-diversity" target="_blank">兆豐銀?/a></th> <td style="vertical-align: middle; text-align: center;">2.435％起</td> <td style="vertical-align: middle; text-align: center;">首購最?0?/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <tr> <th style="vertical-align: middle; text-align:center"><a href="//www.hncb.com.tw/wps/portal/HNCB/per_finance/loan/house/mortgage" target="_blank">華南銀?/a></th> <td style="vertical-align: middle; text-align:center"> 一段式利率2.5%?br>機動計息</td> <td style="vertical-align: middle; text-align:center">最?0?/td> <td style="vertical-align: middle; text-align:center">依該行鑑估辦法從優核?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><a href="//www.tcb-bank.com.tw/personal-banking/loan/mortgage/house-loan-01" target="_blank">合作金庫</a></th> <td style="vertical-align: middle; text-align:center">分段式：第一?.888%起，第二年起3.098%起、一段式?.998%起（以上皆浮動計息）</td> <td style="vertical-align: middle; text-align:center">最?0?/td> <td style="vertical-align: middle; text-align:center">最??/td> </tr> <tr> <th style="vertical-align:middle;text-align:center"><a href="//oi.landbank.com.tw/product/10" target="_blank">土地銀?/a></th> <td style="vertical-align:middle;text-align:center">2.575%?/td> <td style="vertical-align:middle;text-align:center">最?0?/td> <td style="vertical-align:middle;text-align:center">個人申貸條件為主</td> </tr> <tr> <th style="vertical-align:middle;text-align:center"><a href="//cln.bot.com.tw/fln/fln01002/020?product=HLN_03" target="_blank">台灣銀?/a></th> <td style="vertical-align:middle;text-align:center">2.485%?/td> <td style="vertical-align:middle;text-align:center">最?0?/td> <td style="vertical-align:middle;text-align:center">最??/td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-919b20d elementor-widget elementor-widget-text-editor" data-id="919b20d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <strong>※機動計息：貸款期間內，利率依銀行牌告利率為主，每次繳款的利息會隨之調整，便是機動計息?/strong> </div> </div> <div class="elementor-element elementor-element-a215714 elementor-widget elementor-widget-text-editor" data-id="a215714" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/mortgage-fee-compare/" target="_blank" rel="noopener"><strong>辦理房貸注意事項？各房貸手續費比較看這裡?/strong></a></b> </div> </div> <div class="elementor-element elementor-element-3fb09566 elementor-widget elementor-widget-heading" data-id="3fb09566" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸款利率有什麼種類？</h2> </div> </div> <div class="elementor-element elementor-element-21c09e62 elementor-widget elementor-widget-heading" data-id="21c09e62" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">一段式利率</h3> </div> </div> <div class="elementor-element elementor-element-3d8a21dc elementor-widget elementor-widget-text-editor" data-id="3d8a21dc" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 銀行房貸利率通常都是指標利率（i?+ 個人加碼利率，而一段式利率就是?span class="f-point">在貸款期間內個人加碼利率都是固定、不會變更的，只有指標利率會浮動</span>? </div> </div> <div class="elementor-element elementor-element-3615c54e elementor-widget elementor-widget-heading" data-id="3615c54e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">分段式利?/h3> </div> </div> <div class="elementor-element elementor-element-3cd8ffa1 elementor-widget elementor-widget-text-editor" data-id="3cd8ffa1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 一樣是採用指標利率（i?+ 個人加碼利率，並<span class="f-point">將貸款期間分??個階段，不同階段採用不一樣的個人加碼利率來計?/span>，利率多半是「前低後高」，又稱為階梯式利率? </div> </div> <div class="elementor-element elementor-element-abcbf0f elementor-widget elementor-widget-text-editor" data-id="abcbf0f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申貸前務必要根據自身還款能力與財務狀況，進行房屋貸款利率試算，選擇適合自己的房貸利率種類才能為自己的荷包省下更多錢！</p> </div> </div> <div class="elementor-element elementor-element-5469037 elementor-widget elementor-widget-heading" data-id="5469037" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請銀行房屋貸款條件有哪些?/h2> </div> </div> <div class="elementor-element elementor-element-c0919c5 elementor-widget elementor-widget-text-editor" data-id="c0919c5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 如果看到喜歡的銀行房貸方案，想進行房屋貸款條件查詢，以?點要注意? </div> </div> <div class="elementor-element elementor-element-0d3e5ec elementor-widget elementor-widget-heading" data-id="0d3e5ec" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">▎財力條?/h3> </div> </div> <div class="elementor-element elementor-element-a9a80e4 elementor-widget elementor-widget-text-editor" data-id="a9a80e4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>通常較受銀行歡迎的貸款族群，例如軍公教人員、大型公司職員、專業人士，或是固定和銀行有往來習慣的優良客戶。近來也有銀行針對這些族群開設新的貸款專案，不僅利率有優惠，額度也有更大的討論空間，申貸時不如先看看自己適不適用吧?/p> </div> </div> <div class="elementor-element elementor-element-47feb5d elementor-widget elementor-widget-heading" data-id="47feb5d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">▎信用條?/h3> </div> </div> <div class="elementor-element elementor-element-6fb896f elementor-widget elementor-widget-text-editor" data-id="6fb896f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>當你向銀行提出貸款申請後，銀行便會從<a href="//www.jcic.org.tw/main_ch/docDetail.aspx?uid=170&pid=93&docid=412" target="_blank" rel="noopener">聯徵中心調閱信用報告</a>，檢視你有沒有信用瑕疵、負債比過高、有<a href="//danaherbertts.shop/debt-negotiation/">債務協商</a>、其他貸款遲繳紀錄等，或本身是信用小白，沒有任何銀行往來紀錄，這些在申貸過程都會大大扣分，甚至直接不能貸款喔?/p> </div> </div> <div class="elementor-element elementor-element-5117494 elementor-widget elementor-widget-heading" data-id="5117494" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">▎不動產狀?/h3> </div> </div> <div class="elementor-element elementor-element-f5b3134 elementor-widget elementor-widget-text-editor" data-id="f5b3134" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>銀行進行房屋鑑價時，會將<a href="//lvr.land.moi.gov.tw/">房屋市價</a>?a href="//danaherbertts.shop/house-current-value/">房屋評定現?/a>、屋況、坪數大小、周遭生活機能作為鑑價考量，因此除了房屋本身的價格以外，坐落區段也很重要，另外也要注意附近是否有聲色場所或靈骨塔?a href="//danaherbertts.shop/not-in-my-backyard/">嫌惡設施</a>?/p> </div> </div> <div class="elementor-element elementor-element-acc4beb elementor-widget elementor-widget-text-editor" data-id="acc4beb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/civil-servants-mortgage/" target="_blank" rel="noopener"><strong>公教房貸好優惠！申請時要注意什麼呢?/strong></a></b> </div> </div> <div class="elementor-element elementor-element-1505665 elementor-widget elementor-widget-image" data-id="1505665" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="880" src="//danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-931x1024.png" class="attachment-large size-large wp-image-57143" alt="銀行房?大條件要注意－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-931x1024.png 931w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-768x845.png 768w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-8a8a5e9 elementor-widget elementor-widget-heading" data-id="8a8a5e9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請銀行房屋貸款要準備什麼文件？</h2> </div> </div> <div class="elementor-element elementor-element-b85df16 elementor-widget elementor-widget-text-editor" data-id="b85df16" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>申貸人及保證人的身分?/li><li>在職證明（如員工名片、識別證等）</li><li>所得證明（如扣繳憑單、薪轉存摺、銀行月結帳單、薪資明細等?/li><li>土地及建物登記謄?/li><li>買賣契約書影?/li></ul> </div> </div> <div class="elementor-element elementor-element-cc2579b elementor-widget elementor-widget-heading" data-id="cc2579b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸款申請流程為何？</h2> </div> </div> <div class="elementor-element elementor-element-3ddbf49 elementor-widget elementor-widget-text-editor" data-id="3ddbf49" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>提出申請</strong></li></ol><p style="padding-left: 40px;">先找出想要申貸的銀行，<a href="//pip.moi.gov.tw/V3/C/SCRC0201.aspx" target="_blank" rel="noopener">內政部不動產資訊平台</a>?a href="//mortgage.591.com.tw/calculator" target="_blank" rel="noopener">591房屋交易?/a>的房貸計算器都可以多加利用，各家銀行也都有提供線上房貸試算的服務，填寫貸款申請書時也要檢附財力證明文件?/p><ol start="2"><li><strong>房屋鑑價並簽署聯徵同意書</strong></li></ol><p style="padding-left: 40px;">銀行收到申請後會根據申貸人提供的房屋進行鑑價，回報可貸額度，一般來說最高可到鑑價金額的8成，同時也會請申貸人簽署聯徵同意書，讓銀行可以調閱信用報告檢視還款能力?/p><ol start="3"><li><strong>銀行審?/strong></li></ol><p style="padding-left: 40px;">有了貸款申請書、財力證明文件、聯徵紀錄後，銀行就會開始進行審核，這裡提醒你，每向一家銀行提出申請，就會調閱一次聯徵，如果銀行發現短時間內次數過多，會懷疑該申請人是否有急用資金問題，而對還款能力持保留態度，因此要好好考慮後再提出貸款申請。此外，如果有其他特殊需求，例如<a href="//danaherbertts.shop/grace-perio/">寬限?/a>，或是想搭配政府優惠貸款等，都要記得在此時一併提出?/p><ol start="4"><li><strong>照會</strong></li></ol><p style="padding-left: 40px;">審核書面資料後，銀行會打電話給申貸人詢問相關問題，包含個人資料、貸款目的、房屋相關事宜，即為<a href="//danaherbertts.shop/bank-phone-confirm/">銀行照?/a>，審視資料是否有所出入?/p><ol start="5"><li><strong>簽約對保</strong></li></ol><p style="padding-left: 40px;">上述流程都沒問題後，銀行會將貸款方案回報給申貸人，若對方案內容沒有問題，就會和申貸人約時間到銀行進行對保與簽約。提醒你要特別留意下?點，以確保自身權益：</p><ul><li style="list-style-type: none;"><ul><li><strong>總金額是否正?/strong></li><li><strong>貸款利率計算方式</strong></li><li><strong>貸款年限</strong></li><li><strong>附加條約是否正確</strong></li><li><strong>提前清償的違約金比例及年?/strong></li></ul></li></ul><ol start="6"><li><strong>不動產設?/strong></li></ol><p style="padding-left: 80px;">攜帶房屋、土地權狀至地政事務所辦理不動產抵押權設定，讓銀行確保貸款期間不動產不會有買賣交易的可能，這步驟通常都會請專業代書協助?/p><ol start="7"><li><strong>銀行撥?/strong></li></ol><p style="padding-left: 40px;">上述流程都完成後，銀行就會撥款至申貸人指定帳戶，並開設房屋貸款專戶，往後繳款都匯到該專戶即可。整體房屋貸款申請流程時間約7?5天?/p> </div> </div> <div class="elementor-element elementor-element-b1a1e05 elementor-widget elementor-widget-image" data-id="b1a1e05" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="880" src="//danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-process-931x1024.png" class="attachment-large size-large wp-image-57144" alt="銀行房屋貸款申請流程－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-process-931x1024.png 931w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-process-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-process-768x845.png 768w, //danaherbertts.shop/wp-content/uploads/2021/09/bank-house-loan-process.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-22e92e17 elementor-widget elementor-widget-heading" data-id="22e92e17" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請銀行房屋貸款還要注意哪些事項？</h2> </div> </div> <div class="elementor-element elementor-element-c8e2cac elementor-widget elementor-widget-heading" data-id="c8e2cac" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">是否已準備好足夠的自備款</h3> </div> </div> <div class="elementor-element elementor-element-34a3710 elementor-widget elementor-widget-text-editor" data-id="34a3710" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>一般銀行會根據房屋鑑價決定房貸成數，最高可貸到8成左右，當然這必須視申貸人的還款能力與信用狀況、房屋價值而定，各方面條件都符合銀行規定者，才有機會貸到這麼高的成數，意思就是只要申貸人準備?00萬元的自備款（也就是頭期款），就有機會能買到1000萬元的房屋?/p> </div> </div> <div class="elementor-element elementor-element-7639b8e elementor-widget elementor-widget-heading" data-id="7639b8e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">寬限期和提前清償之違約金</h3> </div> </div> <div class="elementor-element elementor-element-47db40a elementor-widget elementor-widget-text-editor" data-id="47db40a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>許多銀行房貸在貸款期間都會提供寬限期的優惠，在期限內可以只繳利息或本金，但要注意期限到了月付金額可能會增加2?倍，建議你要做好財務規畫。另外，如果原訂貸款年限?0年，但你發現可以提前償還所有金額，也要留意違約金的計算方式?/p> </div> </div> <div class="elementor-element elementor-element-db7a9af elementor-widget elementor-widget-heading" data-id="db7a9af" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">是否符合政府優惠貸款條件</h3> </div> </div> <div class="elementor-element elementor-element-753db21 elementor-widget elementor-widget-text-editor" data-id="753db21" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申請房貸前，可以上網搜尋資料，看看自己是否符合政府提供的購屋優惠貸款，例?a href="//www.nta.gov.tw/singlehtml/108"><strong>青年安心成家購屋優惠貸款</strong></a>，或?a href="//pip.moi.gov.tw/V3/B/SCRB0108.aspx?KeyID=GroupB"><strong>自購住宅貸款利息補貼</strong></a>。如果是身心障礙、中低收入戶也都有相關補貼可以申請，可以?a href="//pip.moi.gov.tw/V3/Z/SCRZ0211.aspx?Mode=PN05"><strong>內政部不動產資訊平台</strong></a>查詢?/p> </div> </div> <div class="elementor-element elementor-element-378a3c00 elementor-widget elementor-widget-heading" data-id="378a3c00" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請銀行房屋貸款沒過怎麼辦？</h2> </div> </div> <div class="elementor-element elementor-element-3d8d3903 elementor-widget elementor-widget-text-editor" data-id="3d8d3903" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如果不幸不符合銀行房貸申請條件，或是貸款方案讓你不滿意，也可以考慮找民間貸款公司申請房貸代辦，<strong>大揚代書</strong>是專業合法的房屋貸款專家，不僅能為你媒合銀行房貸方案，還能爭取低利率、高額度，提高過件率，且申辦過程快速。如果被銀行拒絕貸款申請，不要氣餒，歡?a href="tel:0800-885-697">來電0800-885-697</a>或填?a href="//danaherbertts.shop/#Online">線上表單</a>，我們的專員會為你規劃最有利的房貸方案?/p> </div> </div> <div class="elementor-element elementor-element-87ee14c elementor-widget elementor-widget-text-editor" data-id="87ee14c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/bank-mortgage/" target="_blank" rel="noopener">不符合銀行房貸申請條件嗎？讓大揚代書為你媒合更有利的銀行房屋貸款方?/a></b> </div> </div> <div class="elementor-element elementor-element-689da059 elementor-widget elementor-widget-heading" data-id="689da059" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸款常見問?/h2> </div> </div> <div class="elementor-element elementor-element-ed6f9e4 elementor-widget elementor-widget-accordion" data-id="ed6f9e4" 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-2481" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-2481" 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：如何提高銀行房屋貸款成數？</a> </div> <div id="elementor-tab-content-2481" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-2481">銀行房屋貸款成數除了取決於申貸人的收入條件、信用狀況外，也會視其他條件而審酌，例如<span class="f-point">申貸人提供信用狀況佳的保證人、有價擔保品，或願意降低貸款年限，都是可以提高房貸成數的辦法</span>?/div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2482" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-2482" 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：為什麼申請銀行房屋貸款會遭拒?/a> </div> <div id="elementor-tab-content-2482" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-2482"><p>並非所有人向銀行申請貸款時都能順利過件，常見原因有以下7項：</p><ol><li><strong>工作收入為領現金的方式，無薪資轉帳證明?/strong></li><li><strong>曾有貸款或信用卡遲繳、未繳紀錄?/strong></li><li><strong>信用紀錄空白，也就是俗稱的「信用小白」?/strong></li><li><strong>債務協商進行中?/strong></li><li><strong>聯徵紀錄與信用評分不佳?/strong></li><li><strong>負債比及信用卡循環信用過高?/strong></li><li><strong>年齡超過</strong><strong>65</strong><strong>歲以上，或沒有財力及收入證明?/strong></li></ol></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-2483" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-2483" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：銀行房屋貸款還不出來怎麼辦？</a> </div> <div id="elementor-tab-content-2483" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-2483"><p>其實只要4個方法就能解套：</p><ol><li><strong>降低月繳金額?/strong></li><li><strong>降低貸款利率?/strong></li><li><strong>延長還款期限?/strong></li><li><strong>申請增額資金</strong>，例如申?a href="//danaherbertts.shop/bank-second-mortgage/">二順位房?/a>?a href="//danaherbertts.shop/mortgage-increase/">房屋增貸</a>、轉貸?a href="//danaherbertts.shop/remortgage/">轉增?/a>來增加周轉資金?/li></ol></div> </div> <script 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href=\"https:\/\/danaherbertts.shop\/bank-second-mortgage\/\">\u4e8c\u9806\u4f4d\u623f\u8cb8<\/a>\u3001<a href=\"https:\/\/danaherbertts.shop\/mortgage-increase\/\">\u623f\u5c4b\u589e\u8cb8<\/a>\u3001\u8f49\u8cb8\u3001<a href=\"https:\/\/danaherbertts.shop\/remortgage\/\">\u8f49\u589e\u8cb8<\/a>\u4f86\u589e\u52a0\u5468\u8f49\u8cc7\u91d1\u3002<\/li><\/ol>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-9a9c6d2 elementor-widget elementor-widget-heading" data-id="9a9c6d2" 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-35db0c70 elementor-widget elementor-widget-text-editor" data-id="35db0c70" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>只要有買房規畫，申請銀行房屋貸款可說是無法避免的課題，越早開始了解房貸知識，往後是否申請首購房貸，就越能得心應手，尤其向銀行申貸又有許多眉角，如果能在事前多做功課，往後就能減少支出不必要的費用、避免浪費時間?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-46f293c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="46f293c5" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76f1b4cc" data-id="76f1b4cc" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5e6ea9a0 elementor-widget elementor-widget-heading" data-id="5e6ea9a0" 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-7d5c7f8f elementor-widget elementor-widget-text-editor" data-id="7d5c7f8f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>我們提供事前的免費貸款諮詢，不用擔心還沒辦理就要先付一筆費用，我們保證不過件就不收費?/p> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3bf32e" data-id="3bf32e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5008297a elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="5008297a" 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 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value=""> <button id="clear-with-button" type="reset"> <i class="fas fa-times" aria-hidden="true"></i> </button> <button class="hfe-search-submit" type="submit"> <i class="fas fa-search" aria-hidden="true"></i> </button> </div> </form> </div> </div> <div class="elementor-element elementor-element-6a9ef93f elementor-widget elementor-widget-wp-widget-recent-posts" data-id="6a9ef93f" data-element_type="widget" id="Sidebar" data-widget_type="wp-widget-recent-posts.default"> <div class="elementor-widget-container"> <h5>最新文?/h5> <ul> <li> <a href="//danaherbertts.shop/loan-application-purpose/">貸款資金用途怎麼說？這樣回答就能輕鬆過關?/a> </li> <li> <a href="//danaherbertts.shop/court-notarize/">【法院公證須知】辦理流程、費用看這篇就懂?/a> </li> <li> <a href="//danaherbertts.shop/buy-and-sell-house-step/">房屋買賣流程4步驟！一篇為你詳細說?/a> </li> <li> <a href="//danaherbertts.shop/store-loan/">店面貸款如何申請?要點幫助你申貸及投資更順?/a> </li> <li> <a href="//danaherbertts.shop/stock-replace-pay/">股票代墊怎麼辦理？一篇條件、流程帶你取得資?/a> </li> <li> <a 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class="elementor-element elementor-element-0412a19 elementor-widget elementor-widget-heading" data-id="0412a19" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-large">精選文章</h5> </div> </div> <div class="elementor-element elementor-element-b40bc80 elementor-widget elementor-widget-text-editor" data-id="b40bc80" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul class="slider-a"><li><a href="//danaherbertts.shop/taichung-second-mortgage/">台中二胎房貸?分鐘學會活化房產讓資金入?/a></li><li><a href="//danaherbertts.shop/kaohsiung-house-second-mortgage/">高雄房屋二胎怎麼貸最划算?招取得優惠利率！</a></li><li><a href="//danaherbertts.shop/new-taipei-second/">新北二胎怎麼貸？超完整介紹讓你申貸無煩惱</a></li><li><a href="//danaherbertts.shop/taipei-house-land-mortgage/">台北房地二胎申辦超簡單！6步驟就能取得資金?/a></li><li><a href="//danaherbertts.shop/tainan-mortgage-knowledge/">台南房貸3分鐘解析！古都置產不是夢?/a></li><li><a href="//danaherbertts.shop/taoyuan-farmland-loan/">桃園農地貸款只要找對申貸管道，再也不怕被拒貸?/a></li></ul> </div> </div> <div class="elementor-element elementor-element-6b9af519 elementor-widget elementor-widget-wp-widget-categories" data-id="6b9af519" data-element_type="widget" id="Sidebar" data-widget_type="wp-widget-categories.default"> <div class="elementor-widget-container"> <h5>文章分類</h5> <ul> <li class="cat-item cat-item-8"><a href="//danaherbertts.shop/category/escrow-business-area/">代書業務</a> </li> <li class="cat-item cat-item-4711"><a href="//danaherbertts.shop/category/share-loan/">案例分享</a> <ul class='children'> <li class="cat-item cat-item-4672"><a href="//danaherbertts.shop/category/share-loan/central-area-cases/">中部案例</a> </li> <li class="cat-item cat-item-4671"><a href="//danaherbertts.shop/category/share-loan/northern-area-cases/">北部案例</a> </li> <li class="cat-item cat-item-4673"><a href="//danaherbertts.shop/category/share-loan/southern-area-cases/">南部案例</a> </li> <li class="cat-item cat-item-4674"><a href="//danaherbertts.shop/category/share-loan/eastern-area-cases/">東部案例</a> </li> <li class="cat-item cat-item-4675"><a href="//danaherbertts.shop/category/share-loan/offshore-islands-cases/">離島案例</a> </li> </ul> </li> <li class="cat-item cat-item-3771"><a href="//danaherbertts.shop/category/law-knowledge-area/">法律知識</a> </li> <li class="cat-item cat-item-4713"><a href="//danaherbertts.shop/category/financial-knowledge/">認識理財</a> <ul class='children'> <li class="cat-item cat-item-4610"><a href="//danaherbertts.shop/category/financial-knowledge/house-knowledge/">房產知識</a> </li> <li class="cat-item cat-item-2992"><a href="//danaherbertts.shop/category/financial-knowledge/topical-fields/">時事話題</a> </li> <li class="cat-item cat-item-4611"><a href="//danaherbertts.shop/category/financial-knowledge/daily-money-management/">生活理財</a> </li> <li class="cat-item cat-item-4609"><a href="//danaherbertts.shop/category/financial-knowledge/apply-loan-notice/">申貸須知</a> </li> </ul> </li> <li class="cat-item cat-item-4712"><a href="//danaherbertts.shop/category/loan-guide/">貸款指南</a> <ul class='children'> <li class="cat-item cat-item-6"><a href="//danaherbertts.shop/category/loan-guide/personal-credit-loan-area/">個人信貸</a> </li> <li class="cat-item cat-item-1959"><a href="//danaherbertts.shop/category/loan-guide/other-loan-area/">其他貸款</a> </li> <li class="cat-item cat-item-2310"><a href="//danaherbertts.shop/category/loan-guide/movable-property-loan-area/">動產貸款</a> </li> <li class="cat-item cat-item-456"><a href="//danaherbertts.shop/category/loan-guide/land-loan-area/">土地貸款</a> </li> <li class="cat-item cat-item-4"><a href="//danaherbertts.shop/category/loan-guide/house-loan-area/">房屋貸款</a> </li> <li class="cat-item cat-item-5"><a href="//danaherbertts.shop/category/loan-guide/civil-servants-loan-area/">軍公教貸?/a> </li> <li class="cat-item cat-item-7"><a href="//danaherbertts.shop/category/loan-guide/bank-loan-area/">銀行貸?/a> </li> </ul> </li> </ul> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/bank-house-loan/">銀行房屋貸款利率比較！首購房貸試算這樣?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> <item> <title>房貸手續費比較：購屋前先?大重?/title> <link>//danaherbertts.shop/mortgage-fee-compare/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 13 Aug 2021 05:40:06 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[銀行貸款]]></category> <category><![CDATA[2021房貸利率]]></category> <category><![CDATA[哪一家房貸利率最低]]></category> <category><![CDATA[房貸手續費有哪些]]></category> <category><![CDATA[房貸試算]]></category> <category><![CDATA[房貸開辦費減免]]></category> <category><![CDATA[銀行房貸方案]]></category> <category><![CDATA[首購房貸試算]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=12248</guid> <description><![CDATA[<p>房貸手續費比較：購屋前先?大重?目前金融市場上推出的房貸專案種類繁多，不僅是在房貸利率及可貸成數上各有所?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/mortgage-fee-compare/">房貸手續費比較：購屋前先?大重?/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="12248" class="elementor elementor-12248" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-15c22c7e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="15c22c7e" 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-322d2c9c" data-id="322d2c9c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-57b43322 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="57b43322" 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-21612dbc" data-id="21612dbc" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-60b1ec55 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="60b1ec55" 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">哪一家房貸利率最?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-2ea9b940 elementor-widget elementor-widget-heading" data-id="2ea9b940" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">房貸手續費比較：購屋前先?大重?</h1> </div> </div> <div class="elementor-element elementor-element-35c3dcfa elementor-widget elementor-widget-image" data-id="35c3dcfa" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="571" src="//danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1.png" class="attachment-large size-large wp-image-33050" alt="房貸手續費比較：購屋前先?大重點－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1.png 1024w, //danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1-768x548.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-68d33865 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="68d33865" 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-1360262 elementor-widget elementor-widget-text-editor" data-id="1360262" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>目前金融市場上推出的房貸專案種類繁多，不僅是在房貸利率及可貸成數上各有所異，辦理房貸時所需的相關手續費用、首購房貸試算，亦是影響您是否挑選到最划算的貸款關鍵。房貸不能只挑選哪一家房貸利率最低，還需考量其他手續費和成本。本篇文章將告訴您房貸銀行怎麼選擇，並帶您一次了解辦理貸款需負擔的房貸費用有哪些，避免因小失大?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7813b4e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7813b4e4" 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-449de710" data-id="449de710" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-6a0f2173 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="6a0f2173" 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-281470ca" data-id="281470ca" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-651938f1 elementor-widget elementor-widget-heading" data-id="651938f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">各家銀行房貸手續費比較</h2> </div> </div> <div class="elementor-element elementor-element-8b7f976 elementor-widget elementor-widget-html" data-id="8b7f976" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="vertical-align: middle;text-align:center;"width="20%"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/中國信託logo-1.png" alt="中國信託logo"></th> <td style="vertical-align: middle;text-align:left;"width="80%"><a href="//www.ctbcbank.com/content/dam/minisite/long/loan/mortgage/product01.html" target="_blank">一般購屋房?/a>，開辦費8000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/國泰世華銀行logo.png" alt="國泰世華銀行logo"></th> <td style="vertical-align: middle; text-align: left;"> <a href="//www.cathaybk.com.tw/cathaybk/personal/loan/product/mortgage/" target="_blank"> 一般購屋貸?/a>，各項相關費用總金額5000?0000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/台新銀行logo.png" alt="台新銀行logo"></th> <td style="vertical-align: middle; text-align: left;"> <a href="//mkp.taishinbank.com.tw/TsCms/marketing/expose/WM_20190325132043672/buy-house-detail.html" target="_blank"> 購屋貸款</a>，各項相關費用總金額8000?0000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/永豐銀行logo-1.png" alt="永豐銀行logo"></th> <td style="vertical-align: middle; text-align: left"> <a href="//bank.sinopac.com/sinopacBT/personal/loan/mortgage/first-mortgage.html" target="_blank">首購房貸</a>，各項相關費用總金額5000?2000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/新光銀行logo-1.png" alt="新光銀行logo"></th> <td style="vertical-align: middle; text-align:left"><a href="//www.skbank.com.tw/loan/HL/114" target="_blank">一般優惠房?/a>，開辦手續費6000元起?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/台北富邦銀行logo.png" alt="台北富邦銀行logo"></th> <td style="vertical-align: middle; text-align:left"><a href="//www.fubon.com/banking/personal/mortgage/home_loan/home_loan.htm" target="_blank">富邦購屋房貸</a>，帳戶管理費5000元?/td> </tr> </table> </tbody> </div> </div> <div class="elementor-element elementor-element-5aba6bc9 elementor-widget elementor-widget-heading" data-id="5aba6bc9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何選擇房貸銀行？</h2> </div> </div> <div class="elementor-element elementor-element-31539f1c elementor-widget elementor-widget-text-editor" data-id="31539f1c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 選擇最低利率的房貸產品不見得是最正確的選擇，考量其他面向也相當重要。市面上推出的房貸專案多如繁星，民眾在挑選房貸銀行時，可以從三大面向著手?span class="f-point">貸款利率、貸款成數、額外負擔手續費用（如帳管費、鑑價費、開辦費、徵信費、手續費等），進行交叉評估</span>。而多數人會問「房貸開辦費是什麼」，這項費用是給承辦房貸銀行的費用，只會收取一次，各家銀行收取標準不同，建議申請房貸前先詢問清楚? </div> </div> <div class="elementor-element elementor-element-f987590 elementor-widget elementor-widget-text-editor" data-id="f987590" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 了解辦理房貸需負擔的各項手續費用後，在貸款成數方面，手頭上一定要有足夠的自備款，並保持優良的信用紀錄，與銀行維持良好往來，方能有機會爭取到較高的貸款條件? </div> </div> <div class="elementor-element elementor-element-660fcd6 elementor-widget elementor-widget-text-editor" data-id="660fcd6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>因此在選擇辦理房屋貸款的銀行之前，先了解辦理房貸可能產生的費用有哪些，並多詢問幾間銀行，避免產生看似搶到較低的房貸利率，卻被一些辦理房貸額外收取的手續費用墊高之疑慮，得不償失?/p> </div> </div> <div class="elementor-element elementor-element-ae4bfa3 elementor-widget elementor-widget-heading" data-id="ae4bfa3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請房貸所需費用有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-77ac60d9 elementor-widget elementor-widget-text-editor" data-id="77ac60d9" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>帳務管理費：</strong>包含每月簡訊通知、管理帳戶的費用，約2000元起跳，視各銀行而定?/li><li><strong>鑑價費：</strong>銀行要經過鑑價後，才能審核房貸成數，通常一般住宅鑑價費約數千元，店面鑑價費約數萬元?/li><li><strong>開辦費：</strong>銀行作為承辦貸款人的獎金，只會收取一次，價錢會根據不同方案而有所改變，大??500元?/li><li><strong>徵信作業手續費：</strong>2000?0000元不等，視各銀行而定?/li><li><strong>轉貸代償費：</strong>若前屋主有未繳清的貸款才會需要繳納，費用差距較大，須視各銀行而定，申貸前要詢問清楚?/li><li><strong>轉貸塗銷費：</strong>將原房貸轉到其他銀行時會收取的轉貸費用，大?200?500元，依據貸款需求評估?/li><li><strong>抵押權設定費?/strong>?a href="//danaherbertts.shop/identity-verification/">對保</a>簽約後，要去地政機關辦理不動產抵押權設定，費用為設定金額?/1000?/li><li><strong>代書費：</strong>由專業地政士（代書）協助辦理房貸申請流程的服務費，約2500?5000元不等?/li><li><strong>書狀費：</strong>屬於房貸政府規費，每?0元?/li><li><strong>謄本費：</strong>屬於房貸政府規費，每?0元?/li><li><strong>火險（住宅保險費）：</strong>屬於強制性保險，每年投保一次，依各保險公司費率計收，各家費用差不多，若提前償還貸款，可要求退還預繳之保險費?/li><li><strong>地震險（住宅保險費）?/strong>屬於強制性保險，每年投保一次，依目前費率每年保?350元，若提前償還貸款，可要求退還預繳之保險費?/li></ol> </div> </div> <div class="elementor-element elementor-element-6df1a5e elementor-widget elementor-widget-text-editor" data-id="6df1a5e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/what-is-escrow/">代書日常大公開！您所不知道的工作內容及承辦項?/a></b> </div> </div> <div class="elementor-element elementor-element-14eae1f elementor-widget elementor-widget-image" data-id="14eae1f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="639" src="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees.png" class="attachment-large size-large wp-image-34236" alt="申請房貸所需費用－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees.png 1001w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees-300x240.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees-768x614.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-ce7493d elementor-widget elementor-widget-heading" data-id="ce7493d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房貸方案中的總費用年百分率是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-c0aafb6 elementor-widget elementor-widget-text-editor" data-id="c0aafb6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>總費用年百分率（<em><strong>APR，Annual Percentage Rate</strong></em>）意指包含計算一切申請房屋貸款的<strong>開辦?/strong>?strong>服務?/strong>?strong>徵信?/strong>?strong>利息支出</strong>等所有費用後所算出來的真實貸款年利率，也就是說，總費用年百分率就是貸款方案的總成本利率?/p> </div> </div> <div class="elementor-element elementor-element-c62b369 elementor-widget elementor-widget-text-editor" data-id="c62b369" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 計算方式?span class="f-point">總費用年百分率＝房貸利率＋申辦費?/span>，畢竟申請房貸時銀行會向申貸人收取上述各項林林總總的手續費，這些費用都應該列入房屋貸款的支出成本裡，不能只看房貸利率，因此申請時務必要把總費用年百分率納入房貸方案比較項目，才不會功敗垂成? </div> </div> <div class="elementor-element elementor-element-302aeb9 elementor-widget elementor-widget-heading" data-id="302aeb9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋買賣雙方應負擔費用有哪些?/h2> </div> </div> <div class="elementor-element elementor-element-78418223 elementor-widget elementor-widget-heading" data-id="78418223" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">買方</h3> </div> </div> <div class="elementor-element elementor-element-738dad81 elementor-widget elementor-widget-text-editor" data-id="738dad81" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>買賣<a href="//www.etax.nat.gov.tw/etwmain/etw158w/53" target="_blank" rel="noopener">契稅</a>?/strong></li><li><strong><a href="//www.tntb.gov.tw/core/service/stamptax.php?lmenuid=61&smenuid=144" target="_blank" rel="noopener">印花?/a>?/strong></li><li><strong>地政規費?/strong></li><li><strong>土地及建物登記謄本費?/strong></li><li><strong>銀行貸款查詢費?/strong></li><li><strong>代書費，含過戶?a href="//danaherbertts.shop/superficies-registration/" target="_blank" rel="noopener">設定</a>及簽約金?/strong></li><li><strong>履約保證費?/strong></li></ul> </div> </div> <div class="elementor-element elementor-element-79c29ae6 elementor-widget elementor-widget-heading" data-id="79c29ae6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">賣方</h3> </div> </div> <div class="elementor-element elementor-element-5c949d6 elementor-widget elementor-widget-text-editor" data-id="5c949d6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><a href="//www.etax.nat.gov.tw/etwmain/etw158w/51" target="_blank" rel="noopener">土地增值稅</a>?/li><li>交屋日前?a href="//www.tntb.gov.tw/showpage.php?lmenuid=4&smenuid=39&tmenuid=92&pagetype=0#top" target="_blank" rel="noopener">房屋?/a>?a href="//www.tntb.gov.tw/core/service/landtax.php?lmenuid=61&smenuid=150" target="_blank" rel="noopener">地價?/a>?/li><li>屋日前的水電、瓦斯、管理費?/li><li>代書費，過戶?a href="//danaherbertts.shop/mortgage-cancellation/" target="_blank" rel="noopener"><strong>塗銷</strong></a>及簽約金?/li><li>履保費?/li></ul> </div> </div> <div class="elementor-element elementor-element-5cfe9de2 elementor-widget elementor-widget-text-editor" data-id="5cfe9de2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 房屋稅及地價稅是以年度課稅，以交屋日為分界點，買賣雙方再按比例分擔，一般交屋日前的費用為賣方負擔，交屋日後的費用則由買方負擔，代書費為有請代書才需支付的費用? </div> </div> <div class="elementor-element elementor-element-4e634b83 elementor-widget elementor-widget-heading" data-id="4e634b83" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">關於房貸手續費比較要注意什麼？</h2> </div> </div> <div class="elementor-element elementor-element-4962dad elementor-widget elementor-widget-text-editor" data-id="4962dad" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>在申請房屋貸款前，不只要注意貸款總金額，一些內含的必要成本也要計算進去，同時也應該多家比較，例如房貸開辦費減免，並<span class="f-point">務必留意合約上的細節，在合約審閱期裡，建議找專業法律人士幫忙審閱，免得在日後產生糾紛?/span></p><ul><li><strong>每家銀行房貸手續費有哪些？收費金額標準不一，宜多方比較?/strong></li><li><strong>房貸利率低不一定如表面看起來那麼好?/strong></li><li><strong>注意合約內容，留意所有細項規範?/strong></li></ul><p>尤其是利率的部分，有些銀行在利率上會有階段性的調整，在貸款前期可能會是較低的利率，但到了中後期會依階段提高，因?span class="f-point">不要看利率低就急於申辦貸款，一定要把所有的條款看清?/span>?/p> </div> </div> <div class="elementor-element elementor-element-69c7034 elementor-widget elementor-widget-heading" data-id="69c7034" 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-edcafbe elementor-widget elementor-widget-text-editor" data-id="edcafbe" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>一般人在挑選房屋貸款銀行時，往往只比較各家利率後，選擇相對最低利率的銀行，其實市面上房貸專案種類繁多，利率不會相差太遠，有時甚至只有些微的差距。然而，可能影響房貸是否划算的因素卻不只房貸利率，貸款年限、寬限期、手續費、適用條件、房貸手續費比較等因素，都是在房貸銀行選擇上應一併納入考量的因素。若有任何關於房貸方案選擇的問題，歡?a href="//lihi3.cc/me7pL">免費來電</a><strong>大揚代書</strong>，我們能為您做最詳盡的諮詢及規劃，並進行房貸試算?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7f5a7a42 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7f5a7a42" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ebb998e" data-id="2ebb998e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7f19f96f elementor-widget elementor-widget-heading" 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