關於新北房屋貸款 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E6%96%B0%E5%8C%97%E6%88%BF%E5%B1%8B%E8%B2%B8%E6%AC%BE/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/新北房屋貸款/</link> <description></description> <lastBuildDate>Wed, 26 Feb 2025 07:09:25 +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>關於新北房屋貸款 的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/新北房屋貸款/</link> <width>32</width> <height>32</height> </image> <item> <title>新北房屋二胎｜透天70?/title> <link>//danaherbertts.shop/new-taipei-house-second-mortgage/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 24 Jun 2022 03:29:15 +0000</pubDate> <category><![CDATA[北部案例]]></category> <category><![CDATA[新北二胎房貸]]></category> <category><![CDATA[新北房地產借貸]]></category> <category><![CDATA[新北房屋二胎]]></category> <category><![CDATA[新北房屋借錢]]></category> <category><![CDATA[新北房屋貸款]]></category> <category><![CDATA[新北透天二胎]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=29461</guid> <description><![CDATA[<p>新北房屋二胎｜透天70?案件區域：新北貸款方案：透天借貸（房屋二胎貸款）貸款金額?0?說來我們家和日本的 […]</p> <p>這篇文章 <a href="//danaherbertts.shop/new-taipei-house-second-mortgage/">新北房屋二胎｜透天70?/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="29461" class="elementor elementor-29461" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-60e11451 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="60e11451" 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-5aa02a24" data-id="5aa02a24" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-34c229ca elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="34c229ca" 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-5232da14" data-id="5232da14" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-724efa20 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="724efa20" 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">新北房屋貸款</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-26a7a950 elementor-widget elementor-widget-heading" data-id="26a7a950" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">新北房屋二胎｜透天70?</h1> </div> </div> <div class="elementor-element elementor-element-4586f502 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="4586f502" 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-57e3c29d elementor-widget elementor-widget-image" data-id="57e3c29d" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img fetchpriority="high" decoding="async" width="500" height="500" src="//danaherbertts.shop/wp-content/uploads/2022/06/new-taipei-house-second-mortgage.png" class="attachment-large size-large wp-image-47687" alt="新北二胎透天 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2022/06/new-taipei-house-second-mortgage.png 500w, //danaherbertts.shop/wp-content/uploads/2022/06/new-taipei-house-second-mortgage-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2022/06/new-taipei-house-second-mortgage-150x150.png 150w" sizes="(max-width: 500px) 100vw, 500px" /> </div> </div> <div class="elementor-element elementor-element-7ac4b403 elementor-widget elementor-widget-text-editor" data-id="7ac4b403" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>案件區域：新北<br />貸款方案：透天借貸?a href="//danaherbertts.shop/new-taipei-mortgage/" target="_blank" rel="noopener">房屋二胎貸款</a>?br />貸款金額?0?/p><p>說來我們家和日本的緣分很深，我的父母經商多年，大部分都和日本貿易有所往來，長時間深受影響的我，大學也選擇日文系就讀，畢業後在父母幫助下，引進當地手工瓷器，當起了進口貿易商，並在北部經營一家實體店面，起初規模不大，但靠著顧客口耳相傳、網路介紹，托大家的福，生意越做越好?/p><p>這幾年網路發展速度遠遠超乎我的想像，很多顧客說他們是看到部落格或社群平台介紹才認識我的店面，讓我深深覺得投入電商就是未來的趨勀我做了一點功課，發現當時的存款還短少一點，暫時無法負擔電商發展成本，再加上?strong style="background: linear-gradient(rgba(0,0,0,0)40% ,#faf0e2 0);">過去有段時間為了資金周轉，和銀行借貸的過程中留下信用瑕疵紀錄，變得不太好跟銀行貸?/strong>。後來我在網路上找到大揚代書，和專員聯絡後說明自己的難處，經過一連串的評估後，他提供幾個方案給我參考，最後選擇以名下的房子申請貸?0萬，順利進行初步的電商基礎建設，感謝大揚代書在臨門一腳之時解決我的困難?/p> </div> </div> <div class="elementor-element elementor-element-4efacc14 elementor-widget elementor-widget-text-editor" data-id="4efacc14" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p style="text-align: right;">（新北／章小姐）</p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-4b1e564e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="4b1e564e" 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-7041167d" data-id="7041167d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1d0a6c81 elementor-widget elementor-widget-heading" data-id="1d0a6c81" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋二胎貸款優勢</h2> </div> </div> <div class="elementor-element elementor-element-5c31345a elementor-widget elementor-widget-text-editor" data-id="5c31345a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul style="list-style-type: none;"><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>貸款額度：依房屋市值估價為?/li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>貸款利率?.6%?/li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>還款方式：分期付款或按月繳息</li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>撥款方式：貸款本金一次核?/li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>急用錢，當日快速撥?/li></ul> </div> </div> </div> </div> <div class="elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-28cefbfa" data-id="28cefbfa" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4b3f4378 elementor-widget elementor-widget-heading" data-id="4b3f4378" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申辦條件</h2> </div> </div> <div class="elementor-element elementor-element-3beaba54 elementor-widget elementor-widget-text-editor" data-id="3beaba54" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul style="list-style-type: none;"><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>本人持有房屋所有權</li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>年齡18-85?/li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>產權持分、離島地區</li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>不限職業，無須薪資證?/li><li><img decoding="async" class="alignleft wp-image-11318" src="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png" alt="案例貸款項目符號 - 大揚代書事務所" width="31" height="31" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark.png 256w, //danaherbertts.shop/wp-content/uploads/2021/08/003-checkmark-150x150.png 150w" sizes="(max-width: 31px) 100vw, 31px" /></li><li>銀行拒絕往來?/li></ul> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-507dfefe elementor-widget elementor-widget-heading" data-id="507dfefe" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">看更多相關文?/h2> </div> </div> <div class="elementor-element elementor-element-4370fc5b elementor-widget elementor-widget-lae-posts-carousel" data-id="4370fc5b" data-element_type="widget" data-widget_type="lae-posts-carousel.default"> <div class="elementor-widget-container"> <div id="lae-posts-carousel-67c52a7d7834c" class="lae-posts-carousel lae-container lae-classic-skin" 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id="breadcrumbs"><span><span><a href="//danaherbertts.shop/">首頁</a></span> » <span class="breadcrumb_last" aria-current="page">新北房屋貸款</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-75bf5b30 elementor-widget elementor-widget-heading" data-id="75bf5b30" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">新北房貸申請推薦！安全又高額度的管道別錯?/h1> </div> </div> <div class="elementor-element elementor-element-4d03d061 elementor-widget elementor-widget-image" data-id="4d03d061" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="570" src="//danaherbertts.shop/wp-content/uploads/2021/08/new-taipei-mortgage-knowledge.webp" class="attachment-large size-large wp-image-57931" alt="新北房貸申請推薦！安全又高額度的管道別錯?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/new-taipei-mortgage-knowledge.webp 1024w, //danaherbertts.shop/wp-content/uploads/2021/08/new-taipei-mortgage-knowledge-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2021/08/new-taipei-mortgage-knowledge-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-4b690d7d elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="4b690d7d" 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-1bb282f4 elementor-widget elementor-widget-text-editor" data-id="1bb282f4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>由於新北鄰近台北、生活機能便利，許多人會計劃在新北市買房，但如果手中資金不足，可能就需要透過新北房貸來補足買房資金。新北房貸怎麼申請？以下是<strong>大揚代書</strong>整理的新北房貸大小事，一起往下看?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-5859d7c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5859d7c3" 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-34d0bc3e" data-id="34d0bc3e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2ed00bde elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="2ed00bde" 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-3d3a4cc8" data-id="3d3a4cc8" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-2abb7fef elementor-widget elementor-widget-heading" data-id="2abb7fef" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行新北房貸可以貸多少?/h2> </div> </div> <div class="elementor-element elementor-element-627220e6 elementor-widget elementor-widget-text-editor" data-id="627220e6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 若你決定要申請銀行新北房屋貸款，可以先上銀行網站輸入指定條件，系統會幫你算出適合的貸款方案?span class="f-point">通常理想的房貸月付金為不超過薪水?5%</span>，才不會使每月還款壓力太沉重，以下進行簡單的新北房貸試算： </div> </div> <div class="elementor-element elementor-element-62e1feb elementor-widget elementor-widget-text-editor" data-id="62e1feb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 一對月收入相加10萬元的夫妻想要買房，最理想的房貸月付金?0萬?5%?5000元。接著以35000元加上目前的銀行房貸利率（?%為計、還款年限設?0年），即可用這些條件選出適合的房貸方案? </div> </div> <div class="elementor-element elementor-element-5450778 elementor-widget elementor-widget-heading" data-id="5450778" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行新北房貸有什麼條件與限制?/h2> </div> </div> <div class="elementor-element elementor-element-d2c639f elementor-widget elementor-widget-text-editor" data-id="d2c639f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申請銀行貸款最大的優點便是房貸利率較低，大多落?.94?.94%左右，但銀行為了降低借貸風險，對申貸人設下數項房貸條件與限制?/p> </div> </div> <div class="elementor-element elementor-element-6eacaf0 elementor-widget elementor-widget-text-editor" data-id="6eacaf0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>年滿18?5歲：</strong>超過65歲者，銀行會懷疑其還款能力而婉拒貸款申請?/li><li><strong>信用評分良好</strong><strong>?/strong>銀行會從聯徵中心調閱申貸人的信用評分，若是申貸人有信用瑕疵?strong><a href="//danaherbertts.shop/debt-ratio/" target="_blank" rel="noopener">負債?/a></strong>過高等情況，申貸機率會降低許多！</li></ol> </div> </div> <div class="elementor-element elementor-element-8116cf5 example elementor-widget elementor-widget-text-editor" data-id="8116cf5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：</strong>想知道自己的信用評分多少，可向聯徵中心申?a href="//danaherbertts.shop/check-credit-score/" target="_blank" rel="noopener">信用分數查詢</a>喔！</span> </div> </div> <div class="elementor-element elementor-element-c26c1eb elementor-widget elementor-widget-text-editor" data-id="c26c1eb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol start="3"><li><b>提供收入證明?/b>為了確保申貸人的還款能力，銀行會要求提供薪資轉帳?a href="//danaherbertts.shop/proof-of-income/" target="_blank" rel="noopener">收入證明</a>，了解其收入情形，有穩定工作者銀行較容易核貸?/li><li><strong>房貸額度有限</strong>?span class="f-point">最高只能貸到鑑價金?成左?/span>，若房屋不是位於精華地段，可貸成數又會再少一些?/li><li><b>規定還款年限?/b><span class="f-point">一般房貸年限為20?0年、本利攤還方?/span>，銀行為了收取利息都會有不得提前償還的規定，若提前償還要注意會有違約金問題?/li></ol> </div> </div> <div class="elementor-element elementor-element-32b6507 elementor-widget elementor-widget-text-editor" data-id="32b6507" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?/b><strong><a href="//danaherbertts.shop/credit-blemish-loan/" target="_blank" rel="noopener">信用瑕疵別擔心！6大貸款祕訣就看這篇</a></strong> </div> </div> <div class="elementor-element elementor-element-24e0eaaf elementor-widget elementor-widget-heading" data-id="24e0eaaf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">新北房貸除了銀行還有什麼申請管道？</h2> </div> </div> <div class="elementor-element elementor-element-68800f2 elementor-widget elementor-widget-text-editor" data-id="68800f2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申請新北房貸除了找銀行詢問，還可以另尋民間借貸管道，只要是合法的民間貸款公司，都能多看多比較。以下是銀行與民間貸款的差異：</p> </div> </div> <div class="elementor-element elementor-element-c159d59 elementor-widget elementor-widget-html" data-id="c159d59" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th width="16%" style="background-color: #f7f2eb;vertical-align: middle; text-align: center;">項目</th> <th width="42%" style="background-color: #f7f2eb;vertical-align: middle; text-align: center;">銀行房?/th> <th width="42%" style="background-color: #f7f2eb;vertical-align: middle; text-align: center;">民間房貸</th> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">貸款條件</th> <td style=" vertical-align: middle; ">●年?8?0歲之國民<br> ●房屋坪?5坪以?br> ●信用狀況良好者，3年內無拒絕往來、呆帳、逾催，或半年內無強制停卡?/td> <td style="vertical-align: middle; ">●年?8?5歲之國民，不限任何職?br> ●房屋坪數不?br> ●信用狀況有瑕疵?/td> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">貸款利率</th> <td style=" vertical-align: middle; text-align: center;">年利?.94?.94%<br>（須視申貸人相關條件、貸款方案而定?/td> <td style="vertical-align: middle;text-align: center; ">月利?%?br>（依個人申貸條件而定?/td> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">貸款成數</th> <td style=" vertical-align: middle; text-align: center;">最高鑑價金額８?/td> <td style="vertical-align: middle; text-align: center; ">最高房屋市??/td> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">貸款期限</th> <td style=" vertical-align: middle; text-align: center;">最?0年，寬限期最??br>（依個人情況而定?/td> <td style="vertical-align: middle; text-align: center;">不須綁約，隨借隨?/td> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">還款方式</th> <td style=" vertical-align: middle; text-align: center;">本利攤還，寬限期內可只繳利息</td> <td style="vertical-align: middle; text-align: center;">可本利攤還，也可按月繳息</td> </tr> <tr> <th style=" vertical-align: middle; text-align: center;">辦理時間</th> <td style=" vertical-align: middle; text-align: center;">須耗費7?5個工作天</td> <td style="vertical-align: middle; text-align: center;">1?個工作天即可完成，最快可當日撥款</td> </tr> </tbody> </table> </div> </div> <div class="elementor-element elementor-element-5900fc8 elementor-widget elementor-widget-heading" data-id="5900fc8" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何辨識合法民間新北房貸管道?/h2> </div> </div> <div class="elementor-element elementor-element-a310089 elementor-widget elementor-widget-text-editor" data-id="a310089" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>市面上有許多民間貸款業者提供房貸服務，<strong>大揚代書</strong>提供5方法讓你能快速分辨合法民間借貸管道?/p> </div> </div> <div class="elementor-element elementor-element-011a65c elementor-widget elementor-widget-text-editor" data-id="011a65c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol> <li><strong>過件後才收取手續費：</strong>合法的民間貸款大多都會在審核過件後收取手續費，且只收取一次，若遇到事先就收手續費的，要格外注意！</li> <li><strong>利率不超出行情範圍：</strong><span class="f-point">合法新北民間房貸利率不超出月利率1?%</span>。如果你找的借款公司收取利息超出太多，趕快找別的機構申辦?/li> <li><strong>政府合法立案?/strong>政府機關對於貸款公司的審核相當嚴格，因此只要是政府立案且有營業登記，才是具備合法資格的保證！</li> <li><strong>開立實體店面?/strong>具有實體店面的貸款管道，資訊透明且公開才有保障！</li> <li><strong>免費諮詢服務?/strong>合法的民間貸款公司收件前，均會提供免費的諮詢服務，如果遇到收取諮詢費用的機構，建議你可以另尋他家?/li> </ol> </div> </div> <div class="elementor-element elementor-element-6a4e00c elementor-widget elementor-widget-heading" data-id="6a4e00c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">民間新北房貸特色有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-ffa30f5 elementor-widget elementor-widget-text-editor" data-id="ffa30f5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>民間房貸不像銀行那麼多規定與限制，若你有以下情況或需求，民間房貸會是你更好的選擇?strong>大揚代書</strong>作為合法的貸款公司，提供你最划算又有保障的新北房屋貸款方案：</p> </div> </div> <div class="elementor-element elementor-element-8952075 elementor-widget elementor-widget-text-editor" data-id="8952075" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>不看信用狀況：</strong>信用瑕疵、信用小白、銀行拒絕往來、呆帳、逾催?strong><a href="//danaherbertts.shop/debt-negotiation/" target="_blank" rel="noopener">債務協商</a></strong>、查封、跳票無法申請者皆可辦理?/li><li><strong>房貸額度高：</strong>依房屋市值估價為準，<span class="f-point">條件優良者最高可貸到房屋市價9成以?/span>?/li><li><strong>客製化方案：</strong>可根據貸款人的條件和需求規劃貸款方案?/li><li><strong>撥款速度快：</strong>審核到撥款只??個工作天?span class="f-point">最?天內即可撥款</span>，可解決急需要資金者的燃眉之急?/li></ul> </div> </div> <div class="elementor-element elementor-element-7d96732 elementor-widget elementor-widget-text-editor" data-id="7d96732" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/revoke-seizure/">房屋被法院貼封條了該怎麼辦？只要3招即可撤銷查封！</a></b> </div> </div> <div class="elementor-element elementor-element-be11f1f elementor-widget elementor-widget-image" data-id="be11f1f" 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/2021/08/people-house-loan-advantage-931x1024.png" class="attachment-large size-large wp-image-58019" alt="民間房貸4大特?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/people-house-loan-advantage-931x1024.png 931w, //danaherbertts.shop/wp-content/uploads/2021/08/people-house-loan-advantage-273x300.png 273w, //danaherbertts.shop/wp-content/uploads/2021/08/people-house-loan-advantage-768x845.png 768w, //danaherbertts.shop/wp-content/uploads/2021/08/people-house-loan-advantage.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-7a3d1de elementor-widget elementor-widget-heading" data-id="7a3d1de" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">民間新北房貸需要準備什麼文件？</h2> </div> </div> <div class="elementor-element elementor-element-c50b617 elementor-widget elementor-widget-text-editor" data-id="c50b617" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>雙證?/strong></li><li><a href="//www.ris.gov.tw/app/portal/16" target="_blank" rel="noopener">戶籍謄本</a></li><li><strong>土地及建物所有權狀</strong></li><li><strong>收入或在職證明（加分條件?/strong></li></ul> </div> </div> <div class="elementor-element elementor-element-4464736 example elementor-widget elementor-widget-text-editor" data-id="4464736" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：若信用不良也別擔心，大揚代書純看房屋市價，其餘銀行必備文件都是加分項目！</strong></span> </div> </div> <div class="elementor-element elementor-element-37324e4 elementor-widget elementor-widget-heading" data-id="37324e4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">民間新北房貸申請流程為何?/h2> </div> </div> <div class="elementor-element elementor-element-18e87191 elementor-widget elementor-widget-text-editor" data-id="18e87191" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol start="1"><li><b>申請?/b>歡迎<a href="tel:0800-885-697" target="_blank" rel="noopener">來電</a>、填?a href="//danaherbertts.shop/#Online" target="_blank" rel="noopener">線上表單</a>?/li><li><b>估價?/b>根據房屋的屋況、房屋現值?a href="//lvr.land.moi.gov.tw/" target="_blank" rel="noopener">實價登錄</a>等評估房屋價值，由專員做鑑價報告?/li></ol> </div> </div> <div class="elementor-element elementor-element-38b23b4 example elementor-widget elementor-widget-text-editor" data-id="38b23b4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <span style="color: #8c6c5b;"><strong>※貼心提醒：房屋現值可利用自然人憑證透過<a href="//netap.tax.nat.gov.tw/PEFLRX/Lrx201d01?StepNo=2" target="_blank" rel="noopener"><strong>地方稅網路申報系?/strong></a>，申請房屋稅籍證明即可查詀?/strong></span> </div> </div> <div class="elementor-element elementor-element-2793e82 elementor-widget elementor-widget-text-editor" data-id="2793e82" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol start="3"><li><b>審核?/b>根據鑑價報告，評估房貸額度、房貸利率?/li><li><b>對保?/b>專業代書和申貸人當面對保、確認方案內容並簽約?/li><li><b>設定?/b>借貸雙方共同至地政事務所辦理<a href="//danaherbertts.shop/mortgage-registration/" target="_blank" rel="noopener">抵押權設?/a>?/li><li><b>撥款?/b>上述流程都完成後，最?天內撥款至申貸人指定帳戶?/li></ol> </div> </div> <div class="elementor-element elementor-element-5b22ac17 elementor-widget elementor-widget-image" data-id="5b22ac17" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="800" src="//danaherbertts.shop/wp-content/uploads/2021/12/second-mortgage-process.png" class="attachment-large size-large wp-image-56075" alt="二胎房貸流程 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/12/second-mortgage-process.png 1000w, //danaherbertts.shop/wp-content/uploads/2021/12/second-mortgage-process-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/12/second-mortgage-process-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/12/second-mortgage-process-768x768.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-a17f2c7 elementor-widget elementor-widget-heading" data-id="a17f2c7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">新北房貸常見問題</h2> </div> </div> <div class="elementor-element elementor-element-2183341 elementor-widget elementor-widget-accordion" data-id="2183341" 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-3511" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-3511" 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：為什麼向銀行申請新北房貸會遭拒貸？</a> </div> <div id="elementor-tab-content-3511" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-3511"><p>並非所有人向銀行申請貸款時都能順利過件，常見的銀行房貸無法過件原因有以下5項：</p><ul><li><strong>年齡超過65歲以上?/strong></li><li><strong>不動產僅持分一部分，產權不完整?/strong></li><li><strong>屋齡超過40年以上，房屋殘值較低?/strong></li><li><strong>目前無收入，或是從事領現職業，無薪轉證明?/strong></li><li><strong>信用紀錄空白，或是負債比過高、有貸款遲繳紀錄等信用瑕疵狀況?/strong></li></ul></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-3512" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-3512" 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：如何提高新北房貸銀行貸款成數？</a> </div> <div id="elementor-tab-content-3512" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-3512"><ol><li><strong>房屋地段?/strong>若你持有的房產位於市區，銀行可貸成數會比較高?/li><li><strong>房屋屋齡?/strong>假如屋齡尚未?0年，銀行認為放款風險較低，較容易提高借款成數?/li><li><strong>財力收入?/strong>若你是軍公教人員或有公司勞保、薪資轉帳，銀行可貸成數會較高?/li><li><strong>還款來源?/strong>如果你的工作穩定也有固定收入?strong><a href="//danaherbertts.shop/withholding-tax-statement/" target="_blank" rel="noopener">扣繳憑單</a></strong>，或在百大企業工作，銀行會認定放款風險低，可貸成數會比較高?/li></ol></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-3513" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-3513" 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：新北房貸還不出來怎麼辦？</a> </div> <div id="elementor-tab-content-3513" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-3513"><p>其實只要4個方法就能解套：</p><ol><li><strong>降低月繳金額?/strong>盡可能降低每月應繳金額，以減輕負擔?/li><li><strong>降低貸款利率?/strong>降低利率就能降低月繳金額?/li><li><strong>延長還款期限?/strong>拉長還款年限的好處就是能夠降低月繳金額，為自己爭取多一點還款時間?/li><li><strong>申請增貸資金?/strong>可以考慮申辦<strong><a href="//danaherbertts.shop/new-taipei-second/" target="_blank" rel="noopener">二胎房貸</a></strong>、房貸增貸、轉貸?strong><a href="//danaherbertts.shop/remortgage/" target="_blank" rel="noopener">轉增?/a></strong>來增加周轉資金?/li></ol></div> </div> <script 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href=\"https:\/\/danaherbertts.shop\/new-taipei-second\/\" target=\"_blank\" rel=\"noopener\">\u4e8c\u80ce\u623f\u8cb8<\/a><\/strong>\u3001\u623f\u8cb8\u589e\u8cb8\u3001\u8f49\u8cb8\u3001<strong><a href=\"https:\/\/danaherbertts.shop\/remortgage\/\" target=\"_blank\" rel=\"noopener\">\u8f49\u589e\u8cb8<\/a><\/strong>\u4f86\u589e\u52a0\u5468\u8f49\u8cc7\u91d1\u3002<\/li><\/ol>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-23d1e9a7 elementor-widget elementor-widget-heading" data-id="23d1e9a7" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申辦新北房貸就找大揚代書</h2> </div> </div> <div class="elementor-element elementor-element-5cee6b9e elementor-widget elementor-widget-text-editor" data-id="5cee6b9e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>新北市除了有良好的生活機能以外，還與各大知名學區相近，若想在新北買房?strong>大揚代書</strong>有最可靠的新北房貸方案，讓你買屋負擔減輕，還能有多餘的資金去實現其他藍圖構想，有需要或有問題都<strong><a href="tel:0800-885-697" target="_blank" rel="noopener">歡迎來電諮詢</a></strong>?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-608efb3f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="608efb3f" 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-1f382ada" data-id="1f382ada" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-330fa74 elementor-widget elementor-widget-heading" data-id="330fa74" data-element_type="widget" data-widget_type="heading.default"> <div 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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/new-taipei-mortgage-knowledge/">新北房貸申請推薦！安全又高額度的管道別錯?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> </channel> </rss>