關於房貸 銀行估?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E6%88%BF%E8%B2%B8-%E9%8A%80%E8%A1%8C%E4%BC%B0%E5%83%B9/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/房貸-銀行估?</link> <description></description> <lastBuildDate>Tue, 18 Feb 2025 08:37:57 +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>關於房貸 銀行估?的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/房貸-銀行估?</link> <width>32</width> <height>32</height> </image> <item> <title>高雄房貸銀行哪裡找？重點整理助你圓夢購?/title> <link>//danaherbertts.shop/kaoshiung-mortgage-bank/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Tue, 03 Aug 2021 03:01:37 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[銀行貸款]]></category> <category><![CDATA[40年房貸]]></category> <category><![CDATA[房屋抵押貸款試算]]></category> <category><![CDATA[房貸 銀行估價]]></category> <category><![CDATA[房貸估價]]></category> <category><![CDATA[房貸利率]]></category> <category><![CDATA[房貸條件]]></category> <category><![CDATA[高雄房貸銀行]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=11244</guid> <description><![CDATA[<p>高雄房貸銀行哪裡找？重點整理助你圓夢購?高雄房貸銀行該找誰？在高雄購買房屋想要申請貸款，卻不知資料該從哪裡?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/kaoshiung-mortgage-bank/">高雄房貸銀行哪裡找？重點整理助你圓夢購?/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="11244" class="elementor elementor-11244" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-40115b98 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="40115b98" 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-741e505f" data-id="741e505f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-6cf75c4b elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="6cf75c4b" 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-c4cf26f" data-id="c4cf26f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5b338ef8 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="5b338ef8" 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">房貸 銀行估?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-1c1a437c elementor-widget elementor-widget-heading" data-id="1c1a437c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">高雄房貸銀行哪裡找？重點整理助你圓夢購?/h1> </div> </div> <div class="elementor-element elementor-element-5520ba7b elementor-widget elementor-widget-image" data-id="5520ba7b" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2021/08/kaoshiung-mortgage-bank.webp" class="attachment-large size-large wp-image-58479" alt="高雄房貸銀行哪裡找？重點整理助你圓夢購屋－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/kaoshiung-mortgage-bank.webp 1024w, //danaherbertts.shop/wp-content/uploads/2021/08/kaoshiung-mortgage-bank-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2021/08/kaoshiung-mortgage-bank-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-da04342 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="da04342" 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-19f79b54 elementor-widget elementor-widget-text-editor" data-id="19f79b54" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>高雄房貸銀行該找誰？在高雄購買房屋想要申請貸款，卻不知資料該從哪裡查起嗎？這篇文章為您整理了不同銀行之間的房貸方案比較、銀行為房屋估價的準則，也為您介紹銀行專門為高雄市民推出的房貸專案！一起來了解銀行房屋貸款的相關事項吧！</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-46ee12c elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="46ee12c" 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-22a0556a" data-id="22a0556a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3fe26efa elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="3fe26efa" 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-8ec4319" data-id="8ec4319" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-1bee2867 elementor-widget elementor-widget-heading" data-id="1bee2867" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">高雄房貸銀行方案有何差異？</h2> </div> </div> <div class="elementor-element elementor-element-9d2f7e4 elementor-widget elementor-widget-html" data-id="9d2f7e4" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th width="15%" style="background-color:#f7f2eb;vertical-align: middle; text-align:center">銀?/th> <th width="22%" style="background-color:#f7f2eb;vertical-align: middle; text-align:center">方案</th> <th width="20%" style="background-color:#f7f2eb;vertical-align: middle; text-align:center">利率</th> <th width="20%" style="background-color:#f7f2eb;vertical-align: middle; text-align:center">貸款額度</th> <th width="23%" style="background-color:#f7f2eb;vertical-align: middle; text-align:center">貸款年限</th> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/中國信託logo-1.png" width="100" height="80" alt="中國信託Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//www.ctbcbank.com/content/dam/minisite/long/loan/mortgage/product01.html?MediaChannel=gsm_ctbc&ActivityCode=27000" target="_blank"> 一般購屋房?/a></td> <td style="vertical-align: middle; text-align:center">2.68%?/td> <td style="vertical-align: middle; text-align:center">最高可達房屋鑑?.5?/td> <td style="vertical-align: middle; text-align:center">最?0?/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" width="100" height="80" alt="國泰世華Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//www.cathaybk.com.tw/cathaybk/personal/loan/product/mortgage/" target="_blank"> 一般購屋貸?/a> </td> <td style="vertical-align: middle; text-align:center">2.72%?/td> <td style="vertical-align: middle; text-align:center">最??/td> <td style="vertical-align: middle; text-align:center">未提?/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" width="100" height="80" alt="台新銀行Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//mkp.taishinbank.com.tw/TsCms/marketing/expose/WM_20190325132043672/buy-house-detail.html " target="_blank"> 購屋貸款</a> </td> <td style="vertical-align: middle; text-align:center">2.68%?/td> <td style="vertical-align: middle; text-align:center">最高可達房屋鑑??/td> <td style="vertical-align: middle; text-align:center">最?0?/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" width="100" height="80" alt="台北富邦銀行Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//www.fubon.com/banking/personal/mortgage/home_loan/home_loan.htm " target="_blank"> 富邦購屋房貸</a> </td> <td style="vertical-align: middle; text-align:center">2.65%?/td> <td style="vertical-align: middle; text-align:center">最高依該行鑑價金額8?/td> <td style="vertical-align: middle; text-align:center">最?0?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/10/玉山銀?logo.png" width="100" height="80" alt="玉山銀行Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//www.esunbank.com.tw/bank/personal/loan/house/adjustable-rate-mortgages " target="_blank"> 指數型房?/a> </td> <td style="vertical-align: middle; text-align:center">2.5%?.95%?/td> <td style="vertical-align: middle; text-align:center">該行房屋鑑價金額7??/td> <td style="vertical-align: middle; text-align:center">最?0?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/華南銀行logo.png" width="100" height="80" alt="華南銀行Logo"></th> <td style="vertical-align: middle; text-align:center"><a href="//www.hncb.com.tw/wps/portal/HNCB/per_finance/loan/house/mortgage" target="_blank">定儲利率指數房貸</a></td> <td style="vertical-align: middle; text-align:center">2.5%?/td> <td style="vertical-align: middle; text-align:center">依該行鑑估辦法從優核?/td> <td style="vertical-align: middle; text-align:center">最?0年，購屋者最?0?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/土地銀行logo.png" width="100" height="80" alt="土地銀行Logo"></th> <td style="vertical-align: middle; text-align: center"><a href="//oi.landbank.com.tw/product/10" target="_blank">一般購屋貸?/a></td> <td style="vertical-align: middle; text-align: center">2.575%?/td> <td style="vertical-align: middle; text-align: center">未提?/td> <td style="vertical-align: middle; text-align: center">最?0?/td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-db7a3dc elementor-widget elementor-widget-text-editor" data-id="db7a3dc" 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-kinds/">房貸不是只有您想的那一種！其他種類詳細介紹看這裡?/a></b> </div> </div> <div class="elementor-element elementor-element-73857c75 elementor-widget elementor-widget-heading" data-id="73857c75" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">高雄房貸銀行有什麼特別的專案嗎？</h2> </div> </div> <div class="elementor-element elementor-element-5d34bab9 elementor-widget elementor-widget-text-editor" data-id="5d34bab9" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>除了可向在高雄設立分行的各大銀行申請房貸之外，高雄也有特別為市民打造專屬的方案，也就是?a href="//www.bok.com.tw/news?aid=648555" target="_blank" rel="noopener"><strong>『雄易居』首購優惠房貸專?/strong></a>」，其貸款年限最長可?0年，貸款額度最?成，房貸利率??.9%起，?年起利率改為2.275%，只要符合以下條件就可申請：</p> </div> </div> <div class="elementor-element elementor-element-36fe8404 elementor-widget elementor-widget-text-editor" data-id="36fe8404" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>已成年且設籍於高雄市、無不良票債信紀?/li><li>所購住宅位於高雄市轄區?/li><li>首購自用住宅（借款人本人、配偶及未成年子女名下無自有住宅不動產，購置第一間自用住宅）</li><li>提供所得資料且<a href="//danaherbertts.shop/debt-ratio/"><strong>負債?/strong></a>12倍（含）以內<p>（受理時間至2025/3/31止）</p></li></ul> </div> </div> <div class="elementor-element elementor-element-0de96fe elementor-widget elementor-widget-text-editor" data-id="0de96fe" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>看到這個專案，或許有人會好奇：「所以不是高雄市民就不能使用40年期的房貸嗎？」其實台灣目前可申辦40年房貸的銀行，<span class="f-point">除了高雄銀行之外，還有永豐、星展與合作金庫?/span>，不過各家銀行的規定有所不同，申辦前要仔細詢問比較?/p> </div> </div> <div class="elementor-element elementor-element-1edf0dd7 elementor-widget elementor-widget-heading" data-id="1edf0dd7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">各銀?0年房貸方案有何差異？</h2> </div> </div> <div class="elementor-element elementor-element-516210f elementor-widget elementor-widget-html" data-id="516210f" 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="15%">銀?/th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="30%">方案</th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="25%">利率</th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="15%">額度</th> <th style="background-color:#f7f2eb;vertical-align: middle; text-align: center;" width="15%">寬限?/th> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img src=//danaherbertts.shop/wp-content/uploads/2021/09/高雄銀行logo.png width="100" height="80" alt="高雄銀行Logo"></th> <td style="vertical-align: middle; text-align: center;"> <a href="//www.bok.com.tw/news?aid=648555" target="_blank">「雄易居」首購優惠房?/a> </td> <td style="vertical-align: middle; text-align: center;">??.9%起，?年起利率2.275%?/td> <td style="vertical-align: middle; text-align: center;">最??/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img src=//danaherbertts.shop/wp-content/uploads/2021/09/永豐銀行logo-1.png width="100" height="80" alt="永豐銀行Logo"></th> <td style="vertical-align: middle; text-align: center;"> <a href="//bank.sinopac.com/sinopacBT/webevents/mortgage/mortgage.html" target="_blank"> 首購房貸</a> </td> <td style="vertical-align: middle; text-align: center;">2.5%起（機動計息?/td> <td style="vertical-align: middle; text-align: center;">最?.5?/td> <td style="vertical-align: middle; text-align: center;">最??/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img src=//danaherbertts.shop/wp-content/uploads/2021/09/星展銀行logo-1.png width="100" height="80" alt="星展銀行Logo"></th> <td style="vertical-align: middle; text-align: center;"> <a href="//www.dbs.com.tw/personal-zh/loans/homeloan/index-type-housing-loan" target="_blank"> 指數型房?/a> </td> <td style="vertical-align: middle; text-align: center;">2.45%?/td> <td style="vertical-align: middle; text-align: center;">最??/td> <td style="vertical-align: middle; text-align: center;">未提?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img src=//danaherbertts.shop/wp-content/uploads/2021/09/合作金庫logo.png width="100" height="80" alt="合作金庫Logo"></th> <td style="vertical-align: middle; text-align: center;"> <a href="//www.tcb-bank.com.tw/personal-banking/loan/mortgage/house-loan-02" target="_blank">首次購屋貸款</a> </td> <td style="vertical-align: middle; text-align: center;">2.478%?.558%?/td> <td style="vertical-align: middle; text-align: center;">最??/td> <td style="vertical-align: middle; text-align: center;">未提?/td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-7bb7f35c elementor-widget elementor-widget-heading" data-id="7bb7f35c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">各銀?0年房貸方案有哪些優缺點？</h2> </div> </div> <div class="elementor-element elementor-element-4676795 elementor-widget elementor-widget-heading" data-id="4676795" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">銀?0年房貸方案優?/h3> </div> </div> <div class="elementor-element elementor-element-3672aca5 elementor-widget elementor-widget-text-editor" data-id="3672aca5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>降低每月還款壓力?/strong>年限拉長，月付金較低?/li><li><strong>提早卡位?/strong>近年來房價飆漲，許多人即便貸款也可能不敢買房；但40年期的貸款降低月繳金額，讓人可以提早跨越購屋門檻，增加購屋意願?/li><li><strong>貸款成數可提高：</strong>20年期房貸貸款額度最?成，40年期最高可?成?/li><li><strong>可彈性運用資金：</strong>年限拉長而省下的月付金，可以用在其他理財規劃上?/li></ul> </div> </div> <div class="elementor-element elementor-element-420534f elementor-widget elementor-widget-heading" data-id="420534f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">銀?0年房貸方案缺?/h3> </div> </div> <div class="elementor-element elementor-element-b5a748f elementor-widget elementor-widget-text-editor" data-id="b5a748f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>貸款人與房屋條件?/strong>貸款年限拉長，銀行也怕貸款人年紀太大，未來可能會繳不起房貸，或房屋太舊價格會降低，增加銀行授信風險，因此40年房貸的申辦條件較多?/li></ul><ol><li style="list-style-type: none;"><ol><li><strong>只有年輕首購族（自住為目的且名下無不動產）才符合資格?/strong></li><li><strong>收入穩定較容易核貸?/strong></li><li><strong>月負債比必須小於</strong><strong>70%</strong><strong>?/strong></li><li><strong>貸款人年?/strong> <strong>?/strong><strong> 35</strong><strong>歲?/strong></li></ol></li></ol><p>銀行控管屋齡主要是考量房屋一般以鋼筋混凝土結構為主，使用年限約為50年：</p><ol><li style="list-style-type: none;"><ol><li><strong>屋齡超過耐用年限的老屋，或小坪數套房、地段偏遠等較難核貸?/strong></li><li><strong>屋齡</strong> <strong>?/strong> <strong>35</strong><strong>年?/strong></li></ol></li></ol><ul><li><strong>總利息支出高?/strong>房貸繳款利息與還款期限成正比，還款期限越長，總利息支出越多，因此大多數人不會考慮40年房貸?/li><li><strong>升息風險?/strong>40年房貸在低利率時期還算可行，但貸款年限拉更長，若未來遇到央行升息，讓金融市場的低利房貸不再，貸款人每月負擔金額就會暴增?/li></ul> </div> </div> <div class="elementor-element elementor-element-222f22d elementor-widget elementor-widget-text-editor" data-id="222f22d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/40-years-mortgage/" target="_blank" rel="noopener"><strong>40</strong><strong>年房貸有哪些限制？這些事情申貸前一定要評估?/strong></a></b> </div> </div> <div class="elementor-element elementor-element-5da5186f elementor-widget elementor-widget-heading" data-id="5da5186f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請高雄房貸銀行估價的準則為何?/h2> </div> </div> <div class="elementor-element elementor-element-f10a409 elementor-widget elementor-widget-text-editor" data-id="f10a409" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 房貸的核貸額度除了根據貸款人個人條件評估外，房屋本身的狀況也會影響銀行估價。影響房屋估價的原因如下? </div> </div> <div class="elementor-element elementor-element-4b4a8fa7 elementor-widget elementor-widget-text-editor" data-id="4b4a8fa7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>地段?/strong>愈靠近市中心的房屋，房價越高；愈靠近郊區或非都會區的房屋，房價則愈低?/li><li><strong>房屋新舊?/strong>新成屋最貴，中古屋次之，老屋最便宜，這也牽連到居住安全性?/li><li><strong>附近設施?/strong>附近若有加油站、殯葬相關產業、菜市場、廟宇等影響居住安寧、干擾生活品質的<a href="//danaherbertts.shop/not-in-my-backyard/" target="_blank" rel="noopener">嫌惡設施</a>，房價也會較低?/li><li><strong>生活機能?/strong>附近有超市、百貨公司、捷運站等，生活機能愈好，房屋估價愈高?/li><li><strong>抗性：</strong>和房屋相關的缺點，包含風水問題（如：無尾巷、壁刀煞、路衝等）、滲漏水、水電管路、通風、採光、產權糾紛等?/li><li><strong>房屋型態?/strong>包含透天、公寓、套房等，而銀行對套房的估價較保守，能貸款的成數通常較低?/li></ul> </div> </div> <div class="elementor-element elementor-element-e4aacdb elementor-widget elementor-widget-text-editor" data-id="e4aacdb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 另外要注意，<span class="f-point">若房子有重大瑕疵如事故屋、海砂屋、輻射屋等，基本上銀行也會拒絕核?/span>? </div> </div> <div class="elementor-element elementor-element-23350f4c elementor-widget elementor-widget-heading" data-id="23350f4c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">高雄房貸銀行申辦條件為何？</h2> </div> </div> <div class="elementor-element elementor-element-9d7c492 elementor-widget elementor-widget-text-editor" data-id="9d7c492" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 符合以下房貸條件，向銀行申請貸款較容易過件? </div> </div> <div class="elementor-element elementor-element-dfa4263 elementor-widget elementor-widget-text-editor" data-id="dfa4263" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li>非信用小白?/li><li>工作穩定，有收入證明?/li><li>貸款人年齡介?8?5歲?/li><li><a href="//www.jcic.org.tw/main_ch/docDetail.aspx?uid=170&pid=93&docid=412" target="_blank" rel="noopener">聯徵紀?/a>信用良好，無信用卡、貸款遲繳紀錄、無債務協商?/li></ol> </div> </div> <div class="elementor-element elementor-element-2d7659f elementor-widget elementor-widget-text-editor" data-id="2d7659f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><b>?延伸閱讀 ?br /><a href="//danaherbertts.shop/proof-of-income/">收入證明有哪些？有哪些管道可以申請？</a><br /><a href="//danaherbertts.shop/credit-novice-loan/">信用小白申請貸款一點也不難！用這方法就能輕鬆取得資?/a><br /><a href="//danaherbertts.shop/debt-negotiation/">債務協商與前置協商有什麼不同？需要準備哪些？</a><br /></b></p> </div> </div> <div class="elementor-element elementor-element-e5ac3e4 elementor-widget elementor-widget-image" data-id="e5ac3e4" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="640" src="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_bank_condition.png" class="attachment-large size-large wp-image-34274" alt="房貸銀行申?大條件－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_bank_condition.png 1000w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_bank_condition-300x240.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_bank_condition-768x614.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-f446a86 elementor-widget elementor-widget-heading" data-id="f446a86" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">高雄房貸銀行申辦須準備什麼資料？</h2> </div> </div> <div class="elementor-element elementor-element-b7169d5 elementor-widget elementor-widget-text-editor" data-id="b7169d5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 不論您找哪家銀行申辦高雄房貸，可先準備以下資料? </div> </div> <div class="elementor-element elementor-element-2e302b7 elementor-widget elementor-widget-text-editor" data-id="2e302b7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>身分證及第二證件</li><li>薪資轉帳證明，如6個月內的薪轉紀?/li><li>在職證明</li><li><a href="//www.ris.gov.tw/app/portal/16" target="_blank" rel="noopener">戶籍謄本</a></li><li>土地與建物所有權狀</li></ul> </div> </div> <div class="elementor-element elementor-element-e5434ad elementor-widget elementor-widget-heading" data-id="e5434ad" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">高雄房貸銀行辦理流程為何？</h2> </div> </div> <div class="elementor-element elementor-element-33ef77af elementor-widget elementor-widget-text-editor" data-id="33ef77af" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>申請?/strong>選擇銀行及方案，提出申請並檢附文件?/li><li><strong>估價?/strong>銀行對房屋進行估價，並進行房屋抵押貸款試算?/li><li><strong>審核?/strong>貸款案件審核，決定是否准予核貸?/li><li><strong>對保?/strong>當面<a href="//danaherbertts.shop/identity-verification/">對保</a>與簽訂合約?/li><li><strong>設定?/strong>至地政事務所做抵押權設定，並投保火險、地震險?/li><li><strong>撥款?/strong>確認手續完成，銀行依程序處理撥款事項?/li></ol> </div> </div> <div class="elementor-element elementor-element-7de0d644 elementor-widget elementor-widget-image" data-id="7de0d644" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="123" src="//danaherbertts.shop/wp-content/uploads/2021/08/土地貸款流程?png" class="attachment-large size-large wp-image-13545" alt="土地貸款流程?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/土地貸款流程?png 850w, //danaherbertts.shop/wp-content/uploads/2021/08/土地貸款流程?300x46.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/土地貸款流程?768x118.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-4193bd08 elementor-widget elementor-widget-heading" data-id="4193bd08" 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-7f688753 elementor-widget elementor-widget-text-editor" data-id="7f688753" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>買房是許多人的夢想，但在房價不斷上漲的年代，想擁有屬於自己的房產並非一件容易的事，大部分的人都需要向銀行貸款，然而各家銀行貸款方案有所不同，房貸又會跟隨貸款人很長一段時間，因此申辦前必須謹慎評估、多家銀行比較，找到最適合自己的貸款方式，才能成功圓夢?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-4281b2b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4281b2b3" 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-4108784b" data-id="4108784b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4777f5 elementor-widget elementor-widget-heading" data-id="4777f5" 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-1b379591 elementor-widget elementor-widget-text-editor" data-id="1b379591" 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-534f44b3" data-id="534f44b3" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1a9dd610 elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="1a9dd610" 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 elementor-social-icon-phone-alt elementor-animation-shrink elementor-repeater-item-72f6e4b" href="tel:0800-885-697" 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