關於所得證明是什?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E6%89%80%E5%BE%97%E8%AD%89%E6%98%8E%E6%98%AF%E4%BB%80%E9%BA%BC/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/所得證明是什?</link> <description></description> <lastBuildDate>Tue, 15 Oct 2024 02:22:03 +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>關於所得證明是什?的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/所得證明是什?</link> <width>32</width> <height>32</height> </image> <item> <title>收入證明有哪些種類？常見問題一次解?/title> <link>//danaherbertts.shop/proof-of-income/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 23 Jul 2021 02:45:19 +0000</pubDate> <category><![CDATA[生活理財]]></category> <category><![CDATA[個人所得證明申請]]></category> <category><![CDATA[所得證明是什麼]]></category> <category><![CDATA[收入證明文件]]></category> <category><![CDATA[收入證明申請]]></category> <category><![CDATA[薪資證明申請]]></category> <category><![CDATA[財力收入證明]]></category> <category><![CDATA[財力證明有哪些]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=10359</guid> <description><![CDATA[<p>收入證明有哪些種類？常見問題一次解?想要找銀行申辦貸款，各種可以證明收入或財力的文件是絕對不可少的，銀行通常 […]</p> <p>這篇文章 <a href="//danaherbertts.shop/proof-of-income/">收入證明有哪些種類？常見問題一次解?/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="10359" class="elementor elementor-10359" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-26ef11cc elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="26ef11cc" 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-11c23939" data-id="11c23939" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-65a88630 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="65a88630" 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-148c698f" data-id="148c698f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-390c2900 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="390c2900" 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">所得證明是什?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-212cdb24 elementor-widget elementor-widget-heading" data-id="212cdb24" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">收入證明有哪些種類？常見問題一次解?/h1> </div> </div> <div class="elementor-element elementor-element-76769fb9 elementor-widget elementor-widget-image" data-id="76769fb9" 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/2021/07/proof-of-income.webp" class="attachment-large size-large wp-image-50900" alt="收入證明有哪些種類？常見問題一次解答－大揚代書" /> </div> </div> <div class="elementor-element elementor-element-713b3e1b elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="713b3e1b" 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-666818b3 elementor-widget elementor-widget-text-editor" data-id="666818b3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>想要找銀行申辦貸款，各種可以證明收入或財力的文件是絕對不可少的，銀行通常會根據申貸人的收入狀況與財力條件，核准貸款額度及調整利率。然而收入證明是什麼呢？它的用途又有哪些？沒有收入證明的人到底該怎麼辦呢？以下將針對財力收入證明相關資訊進行深入介紹?/p> </div> </div> <div class="elementor-element elementor-element-12dcbf3 elementor-widget elementor-widget-video" data-id="12dcbf3" data-element_type="widget" data-settings="{"youtube_url":"https:\/\/www.youtube.com\/watch?v=ImiCRoscw1A","video_type":"youtube","controls":"yes"}" data-widget_type="video.default"> <div class="elementor-widget-container"> <div class="elementor-wrapper elementor-open-inline"> <div class="elementor-video"></div> </div> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-2ac793ff elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2ac793ff" 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-62bc45cb" data-id="62bc45cb" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7a1c4660 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="7a1c4660" 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-7fb504b8" data-id="7fb504b8" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-28d81cf7 elementor-widget elementor-widget-heading" data-id="28d81cf7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">收入證明是什麼呢?/h2> </div> </div> <div class="elementor-element elementor-element-40d98ae7 elementor-widget elementor-widget-text-editor" data-id="40d98ae7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>貸款人向銀行等金融機構申辦各項貸款時，必須提出自己的薪資狀況、收入來源等正式文件證明，讓銀行相信該貸款人具備還款能力，才能順利取得貸款資金。然而收入證明有很多種類，銀行對於每一種文件的接受度也不盡相同，所以貸款人可能會面臨因申辦條件不同、收入證明文件不足，導致被各家銀行拒絕申貸的狀況，因此了解收入證明有哪些種類，才能提高貸款的過件率?/p> </div> </div> <div class="elementor-element elementor-element-27882df3 elementor-widget elementor-widget-heading" data-id="27882df3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">收入證明有哪些？如何申請?/h2> </div> </div> <div class="elementor-element elementor-element-5d15eb4 elementor-widget elementor-widget-text-editor" data-id="5d15eb4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>收入證明可分為「薪資收入證明」、「扣繳憑單」、「所得清單」、「經常往來存摺?種，以下依其定義與申請方式分別說明之?/p> </div> </div> <div class="elementor-element elementor-element-32a06cef elementor-widget elementor-widget-heading" data-id="32a06cef" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">薪資收入證明</h3> </div> </div> <div class="elementor-element elementor-element-992e541 elementor-widget elementor-widget-text-editor" data-id="992e541" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>這是最基本也最直接的證明，所有銀行都能接受。這項證明係指每月薪資轉帳的收入證明文件，透過固定薪轉的薪資收入證明，便能準確判斷貸款人是否具有還款能力。正式的薪資收入證明包含薪資轉帳證明、薪轉存摺、銀行月結帳單、薪資明細，貸款人在申貸時，只要任選一項便足以證明?/p> </div> </div> <div class="elementor-element elementor-element-43d45c79 elementor-widget elementor-widget-text-editor" data-id="43d45c79" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>如何申請?/strong><br />薪資證明申請不會很難，貸款人只要攜帶薪轉存摺到銀行去刷到最新資料即可，申貸時至少要準備6個月的薪資紀錄，也可以補上銀行月結帳單、網路銀行查詢紀錄，或臨櫃申請存款紀錄來補齊?/p> </div> </div> <div class="elementor-element elementor-element-c1165b9 elementor-widget elementor-widget-heading" data-id="c1165b9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">扣繳憑單</h3> </div> </div> <div class="elementor-element elementor-element-8f531c1 elementor-widget elementor-widget-text-editor" data-id="8f531c1" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>扣繳憑單會清楚列出貸款人的年度收入狀況，因此這也是大部分銀行都認定的收入證明。目前扣繳憑單年度最低要求在30萬以上，而且銀行只會認定現職工作的收入，如果貸款人是用上一份工作或之前的扣繳憑單，就不具證明效益?/p> </div> </div> <div class="elementor-element elementor-element-38df104 elementor-widget elementor-widget-text-editor" data-id="38df104" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>如何申請?/strong><br />?a href="//www.gov.tw/News3_Content.aspx?n=2&s=513390" target="_blank" rel="noopener">國稅局</a>臨櫃申請，或向扣繳憑單單位申請（也就是貸款人直接向任職公司的人資或財務部門申請）?/p> </div> </div> <div class="elementor-element elementor-element-bbb8726 elementor-widget elementor-widget-text-editor" data-id="bbb8726" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/withholding-tax-statement/" target="_blank" rel="noopener">扣繳憑單是什麼？申請的管道有哪些?/a></b> </div> </div> <div class="elementor-element elementor-element-30aabc94 elementor-widget elementor-widget-heading" data-id="30aabc94" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">所得清?/h3> </div> </div> <div class="elementor-element elementor-element-fd3d570 elementor-widget elementor-widget-text-editor" data-id="fd3d570" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>所得清單即為所得證明，然而所得證明是什麼？其實它包含薪資所得、利息所得和股利收入等，銀行透過這項證明也能深入了解貸款人的收入狀況，確認貸款人未來能否按時償還貸款本利，而貸款人也能依此收入證明申請了解自己所有所得來源?/p> </div> </div> <div class="elementor-element elementor-element-731674ac elementor-widget elementor-widget-text-editor" data-id="731674ac" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>如何申請?/strong><br />個人所得證明申請必須攜帶身分證正本，至全台地方稅務局（稅捐稽徵處）或國稅局申請，或是備妥讀卡機、自然人憑證或健保卡?a href="//www.etax.nat.gov.tw/etwmain/front/ETW118W/VIEW/22" target="_blank" rel="noopener">財政部稅務入口網</a>線上申請?/p> </div> </div> <div class="elementor-element elementor-element-a8951ca elementor-widget elementor-widget-text-editor" data-id="a8951ca" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/apply-property-income-list/" target="_blank" rel="noopener">個人所得清單如何申請？6步驟完成看這裡?/a></b> </div> </div> <div class="elementor-element elementor-element-822bdf8 elementor-widget elementor-widget-heading" data-id="822bdf8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">經常往來存?/h3> </div> </div> <div class="elementor-element elementor-element-062d978 elementor-widget elementor-widget-text-editor" data-id="062d978" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如果是自由業者、SOHO族或自營商，無法提出以上3種收入證明文件，可以選擇附上經常往來的銀行存摺明細，且該存摺最好穩定使?年以上。除了往來銀行的存摺明細外，自由業者、SOHO族要能證明自己並非月光族，尚須提供薪資單、薪資條，倘若有定期匯入現金及存款，也有助於申請貸款，而自營商可準備進貨單、攤位許可證、攤位清潔費收據等來佐證，證明自己確實有收入可供支付各項費用?/p> </div> </div> <div class="elementor-element elementor-element-66d9cc1 elementor-widget elementor-widget-text-editor" data-id="66d9cc1" 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/open-an-bank-account/" target="_blank" rel="noopener">銀行開戶要帶什麼？3分鐘快速搞懂開戶規定！</a> </div> </div> <div class="elementor-element elementor-element-4cf33ea7 elementor-widget elementor-widget-heading" data-id="4cf33ea7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">沒有收入證明還有什麼可以佐證？</h2> </div> </div> <div class="elementor-element elementor-element-db5f6eb elementor-widget elementor-widget-text-editor" data-id="db5f6eb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>假如貸款人沒有收入證明，想要向銀行貸款，還有什麼可以用來作為證明？我們通常會建議貸款人使用其他的財力證明，但是財力證明有哪些呢？其實上述所提及的收入證明，只是財力證明的一種（即為收入型財力證明），另一種則是資產型財力證明，可分為以下4種：</p> </div> </div> <div class="elementor-element elementor-element-2358b010 elementor-widget elementor-widget-text-editor" data-id="2358b010" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>不動產所有權狀</strong><br />如果貸款人名下有房屋、土地等不動產，提供房屋、土地所有權狀的影本也可以當作財力證明，不過當貸款人無力償還款項時，銀行就有機會將不動產扣押、變賣，降低其借貸的損失?/li><li><strong>定期存款?/strong><br />無法提供收入證明的貸款人，如果定存總額達30萬且存滿6個月以上，也可以提供定期存款單作為相關財力證明?/li><li><strong>房屋稅單、地價稅?/strong><br />有些銀行也可以接受房屋稅單、地價稅單作為財力證明，這也是除了提供不動產所有權狀外，可以向銀行證明自己擁有不動產的方式?br />申請辦法：可至全台地方稅務局（稅捐稽徵處）申辦，或是至財政部稅務入口網線上申?/li><li><strong>股票持股明細、基金投?/strong><br />如果近期有股票、基金、債券等投資，可以直接列印股票和基金的持股明細，提供給銀行作為財力證明的參考，有助於銀行認定貸款人具備還款能力。值得注意的是，由於股價、基金波動幅度較大，所以有些銀行並不認定股票持股明細和基金投資可當作財力證明，申辦貸款前還是得先了解該銀行是否能接受此項作為財力證明?/li></ul> </div> </div> <div class="elementor-element elementor-element-6fe3c56d elementor-widget elementor-widget-heading" data-id="6fe3c56d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">哪種收入證明最常用？申請貸款或信用卡還需要什麼文件？</h2> </div> </div> <div class="elementor-element elementor-element-3f662377 elementor-widget elementor-widget-text-editor" data-id="3f662377" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>薪資收入證明和扣繳憑單可說是全部銀行都認定的正式收入證明，申請信用貸款和信用卡時，銀行最注重的就是貸款人是否有穩定的收入來源，一般都會要?種文件：工作證明、身分證明、財力證明，而申請信用卡是最簡單的，通常只要檢附身分證正反面影本?個月薪轉證明，而且大多數銀行都可以採用線上申請，但信貸和房貸就會相對要提供更多證明文件，且不一定可以線上申辦?/p> </div> </div> <div class="elementor-element elementor-element-f352984 elementor-widget elementor-widget-html" data-id="f352984" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th width="19%" style="vertical-align: middle; text-align: center;">　</th> <th width="27%" style="vertical-align: middle; text-align: center;">房貸</th> <th width="27%" style="vertical-align: middle; text-align: center;">信用貸款</th> <th width="27%" style="vertical-align: middle; text-align: center;">信用?/th> </tr> <tr> <th style="vertical-align: middle; text-align: center;">工作證明</th> <td style="vertical-align: middle; text-align: center;">名片／識別證，嚴格一點可能會要求在職證明</td> <td style="vertical-align: middle; text-align: center;">名片／識別證，嚴格一點可能會要求在職證明</td> <td style="vertical-align: middle; text-align: center;">申請書上填寫服務公司和統一編號即可</td> </tr> <tr> <th style="vertical-align: middle; text-align: center;">身分證明</th> <td style="vertical-align: middle; text-align: center;">身分證正反面影本，但很多會要求到雙證?/td> <td style="vertical-align: middle; text-align: center;">身分證正反面影本</td> <td style="vertical-align: middle; text-align: center;">身分證正反面影本</td> </tr> <tr> <th style="vertical-align: middle; text-align: center;">財力證明</th> <td style="vertical-align: middle; text-align: center;">6個月薪轉證明含封面影本，可能還會要求同時檢附扣繳憑單或收入證?/td> <td style="vertical-align: middle; text-align: center;">3?個月薪轉證明含封面影?/td> <td style="vertical-align: middle; text-align: center;">3個月薪轉證明含封面影?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;">是否支援線上申請</th> <td style="vertical-align: middle; text-align: center;">現場申請為主</td> <td style="vertical-align: middle; text-align: center;">部分銀行可</td> <td style="vertical-align: middle; text-align: center;">幾乎都可</td> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-4cdc9476 elementor-widget elementor-widget-heading" data-id="4cdc9476" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">提供收入證明有哪些好處？</h2> </div> </div> <div class="elementor-element elementor-element-419e51b elementor-widget elementor-widget-text-editor" data-id="419e51b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>銀行在審核貸款人資料的過程中，業者最在意的事情就是還款能力，如果擁有良好的收入證明不但可以輕鬆貸款，還可以獲得更好的貸款條件?/p> </div> </div> <div class="elementor-element elementor-element-452ac9e elementor-widget elementor-widget-text-editor" data-id="452ac9e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>申貸過件機率?/strong><br />在向銀行申貸時，如果可以提供詳細的收入證明文件，不但能提高銀行的信任度，確認您具備足夠的還款能力，連帶提高貸款意願與過件機率，所以想要提高申貸過件率，提供的資料愈詳細愈有幫助?/li><li><strong>較高的信貸額?/strong><br />由於不需要提供抵押品、擔保人就能申請信用貸款，因此在申請信貸時，還款能力會決定貸款上限，所以銀行會先調查貸款人所有信用紀錄，而且還會考量信用卡的刷卡額度、債務、房貸、總資產負債比及收入狀況等，都會是決定申貸額度的考量點?/li><li><strong>更好的還款利?/strong><br />當您有良好的收入證明，可以讓銀行相信您有好的還款能力，這也代表銀行放貸所需承擔的風險較低，就有機會為自己爭取到較低的貸款利率，並為自己減少利息上的負擔?/li></ul> </div> </div> <div class="elementor-element elementor-element-7ea06158 elementor-widget elementor-widget-heading" data-id="7ea06158" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">沒有收入證明也可以貸款嗎?/h2> </div> </div> <div class="elementor-element elementor-element-18418e61 elementor-widget elementor-widget-text-editor" data-id="18418e61" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 銀行等金融機構在審核信用貸款和信用卡時，最注重的就是貸款人的個人信用和還款能力，而銀行評估還款能力最簡單的方法，就是貸款人的收入證明，所以只要您沒有財力證明，不論是辦理信用貸款或是信用卡，成功過件的機率都非常低，以下分享5個方法幫助您提高過件機率? </div> </div> <div class="elementor-element elementor-element-1b37a29 elementor-widget elementor-widget-text-editor" data-id="1b37a29" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>提供財力證明</strong>（包含收入型財力證明、資產型財力證明）?/li><li><strong>培養收入證明</strong>?/li><li><strong>專業能力證明</strong>?/li><li><strong>是否有擔保品</strong>?/li><li><strong>提供擔保?/strong>?/li></ul> </div> </div> <div class="elementor-element elementor-element-8e28c89 elementor-widget elementor-widget-text-editor" data-id="8e28c89" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>雖然以上5個方法可以提高過件率，但還是要看各家銀行的放款標準去認定，例如以您的信用評分、收入狀況等條件去評估。如果和銀行借貸不順遂時，也可以選擇請專業的貸款顧問協助你，找到最適合自己的貸款方案，或是找民間代書借款，民間代書推?strong>大揚代書</strong>！信用條件不佳?a href="//danaherbertts.shop/debt-ratio/">負債?/a>過高、沒有收入證明皆可申辦貸款，也不用提供擔保人，只要您名下持有的不動產仍有殘值，即使持分也可借貸?/p> </div> </div> <div class="elementor-element elementor-element-a9e0afd elementor-widget elementor-widget-text-editor" data-id="a9e0afd" 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/no-financial-statement/" target="_blank" rel="noopener">無財力證明也能成功申貸的5個方?/a></b><b><br /><a href="//danaherbertts.shop/partial-property-house-loan/" target="_blank" rel="noopener">房屋持分無法貸款？可以變更為分別共有嗎？</a></b></p> </div> </div> <div class="elementor-element elementor-element-910ac80 elementor-widget elementor-widget-heading" data-id="910ac80" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">收入證明常見問題</h2> </div> </div> <div class="elementor-element elementor-element-8b0cd02 elementor-widget elementor-widget-accordion" data-id="8b0cd02" 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-1451" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1451" 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：提供哪一種財力證明最有效?/a> </div> <div id="elementor-tab-content-1451" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1451"><p>薪資收入證明（如：薪轉存摺）、扣繳憑單和所得清單能直接展現貸款人的還款能力，多數銀行都會接受這三類資料，其他類型的財力證明就不一定了。若您本身就能提出收入穩定的證明，再加上其他財力證明來加分，就能有效提高貸款過件率?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1452" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1452" 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：財力證明可以用網路銀行申請嗎?/a> </div> <div id="elementor-tab-content-1452" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1452"><p>目前有許多網銀app已開放線上申請存款明細，若您有網銀帳戶，就可以利用，不過銀行不一定會認同以存款明細當財力證明喔！</p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1453" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1453" 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：可以用網銀截圖作為財力證明嗎？</a> </div> <div id="elementor-tab-content-1453" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1453"><p>財力證明文件大多須檢附紙本，不過有些信用卡用網銀截圖畫面申請也能過關。但這並不是正式文件，銀行不一定會認可，除了申請信用卡，其他貸款業務通常無法使用?/p></div> </div> <script 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</div> </div> </div> <div class="elementor-element elementor-element-535aa7c1 elementor-widget elementor-widget-heading" data-id="535aa7c1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">收入證明相關問題找大揚代?/h2> </div> </div> <div class="elementor-element elementor-element-261d646 elementor-widget elementor-widget-text-editor" data-id="261d646" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>每家銀行對於收入證明所看重的部分都不一樣，相信大家都會煩惱應該如何準備，目前國家發展委員會已推?a href="//mydata.nat.gov.tw/" target="_blank" rel="noopener">數位服務個人化Mydata服務</a>，讓您在辦理時可以直接帶入所得資料，不必再另外準備，非常方便。若對收入證明有其他問題，也歡迎您找大揚代書，立即撥打免付費專線，或是線上填單，將由專人為您一對一服務?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-47918980 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="47918980" 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-ece928e" data-id="ece928e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-77eed058 elementor-widget elementor-widget-heading" data-id="77eed058" 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-6bdbd790 elementor-widget elementor-widget-text-editor" data-id="6bdbd790" 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> 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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 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