關於民間二胎房貸風險 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E6%B0%91%E9%96%93%E4%BA%8C%E8%83%8E%E6%88%BF%E8%B2%B8%E9%A2%A8%E9%9A%AA/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/民間二胎房貸風險/</link> <description></description> <lastBuildDate>Fri, 09 Aug 2024 06:42:44 +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>關於民間二胎房貸風險 的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/民間二胎房貸風險/</link> <width>32</width> <height>32</height> </image> <item> <title>民間二胎房貸風險有哪些？辨別合法貸款方法在這裡?/title> <link>//danaherbertts.shop/people-second-mortgage-risk/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Mon, 26 Apr 2021 03:32:53 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[二胎房貸經驗]]></category> <category><![CDATA[二胎房貸缺點]]></category> <category><![CDATA[房屋二胎詐騙]]></category> <category><![CDATA[民間二胎利率]]></category> <category><![CDATA[民間二胎房貸風險]]></category> <category><![CDATA[民間二胎是什麼]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=3820</guid> <description><![CDATA[<p>民間二胎房貸風險有哪些？辨別合法貸款方法在這裡?申請房貸後若有再次借款的需求，不少人會選擇申請二胎房貸，但?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/people-second-mortgage-risk/">民間二胎房貸風險有哪些？辨別合法貸款方法在這裡?/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="3820" class="elementor elementor-3820" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-3e78a26 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="3e78a26" 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-350b6d4f" data-id="350b6d4f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-1fa67886 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="1fa67886" 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-6e94499b" data-id="6e94499b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4da342f3 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="4da342f3" 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">民間二胎房貸風險</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-57ddf164 elementor-widget elementor-widget-heading" data-id="57ddf164" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">民間二胎房貸風險有哪些？辨別合法貸款方法在這裡?/h1> </div> </div> <div class="elementor-element elementor-element-46e0b1e0 elementor-widget elementor-widget-image" data-id="46e0b1e0" 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/2021/04/people-second-mortgage-risk.webp" class="attachment-large size-large wp-image-54262" alt="民間二胎房貸風險有哪些？辨別合法貸款方法在這裡！－大揚代書" /> </div> </div> <div class="elementor-element elementor-element-31bf0fce elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="31bf0fce" 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-4b2dd569 elementor-widget elementor-widget-text-editor" data-id="4b2dd569" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申請房貸後若有再次借款的需求，不少人會選擇申請二胎房貸，但因為銀行審核條件嚴格，也讓民間二胎逐漸成為有房貸者取得資金的另一種選擇。然而民間二胎房貸風險有哪些？該如何挑選合法又安全的民間貸款呢？歡迎來看大揚代書的介紹！</p> </div> </div> <div class="elementor-element elementor-element-440cd48 elementor-widget elementor-widget-text-editor" data-id="440cd48" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/people-second-mortgage-lending/" target="_blank" rel="noopener"><strong>民間二胎是什麼？了解8</strong><strong>大要點幫助您安心申貸?/strong></a></b> </div> </div> <div class="elementor-element elementor-element-77d59dc elementor-widget elementor-widget-video" data-id="77d59dc" data-element_type="widget" data-settings="{"youtube_url":"https:\/\/www.youtube.com\/watch?v=38EeMPNWbeI","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-78b79969 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="78b79969" 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-2415c522" data-id="2415c522" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-3f796b70 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="3f796b70" 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-685563a8" data-id="685563a8" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-38cd095a elementor-widget elementor-widget-heading" data-id="38cd095a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">什麼狀況會需要民間二胎房貸？</h2> </div> </div> <div class="elementor-element elementor-element-6e22f26f elementor-widget elementor-widget-text-editor" data-id="6e22f26f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>民間二胎是什麼呢？由於對銀行二胎來說，清償順位會在第二位，為了降低放款風險，銀行的審核標準會比購屋貸款更嚴格，讓許多民眾會改向代書貸款、租賃公司等民間管道申請二胎，這就是民間二胎房貸。若你有以下狀況，就會建議你改以申請民間二胎房貸為主：</p> </div> </div> <div class="elementor-element elementor-element-ac6916f elementor-widget elementor-widget-text-editor" data-id="ac6916f" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li>有大筆資金急用需?/li><li>本身沒有穩定的薪轉工?/li><li>本身年齡或是房屋屋齡較高</li><li>房屋剩餘價值較低，第一胎貸款還款期數少</li><li>?a href="//danaherbertts.shop/debt-ratio/" target="_blank" rel="noopener"><strong>負債?/strong></a>過高、貸款遲繳、債務協商等信用瑕疵</li></ul> </div> </div> <div class="elementor-element elementor-element-f74d22c elementor-widget elementor-widget-text-editor" data-id="f74d22c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?/b><a href="//danaherbertts.shop/credit-blemish-loan/" target="_blank" rel="noopener"><strong>信用瑕疵如何貸款?</strong><strong>重點一次看?/strong></a><b></b> </div> </div> <div class="elementor-element elementor-element-3872955 elementor-widget elementor-widget-text-editor" data-id="3872955" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 民間房屋二胎最大的優點為審核條件相當寬鬆，由於有房屋作為擔保，因此即使<span class="f-point">申貸人沒有穩定的收入，或是本身信用條件欠佳，都還是可以透過民間貸款辦理成功</span>? </div> </div> <div class="elementor-element elementor-element-07a3414 elementor-widget elementor-widget-heading" data-id="07a3414" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">5種常見的民間二胎房貸風險</h2> </div> </div> <div class="elementor-element elementor-element-b2672e4 elementor-widget elementor-widget-text-editor" data-id="b2672e4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 然而市面上有相當多的民間管道，申辦前一定要先了解以?種可能的風險，才能有效避開房屋二胎詐騙： </div> </div> <div class="elementor-element elementor-element-14624f30 elementor-widget elementor-widget-heading" data-id="14624f30" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">無登記立?/h3> </div> </div> <div class="elementor-element elementor-element-b6340a7 elementor-widget elementor-widget-text-editor" data-id="b6340a7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 民間二胎房貸最大的缺點為管道眾多，導致非法業者混在其中?span class="f-point">目前提供民間二胎的管道以代書事務所、融資公司、合法當舖為?/span>，然而非法地下錢莊會假藉合法民間二胎的名義進行借款，這類機構不僅不會登記立業，也沒有實體店面，導致申貸人後續往往找不到當初辦理的專員? </div> </div> <div class="elementor-element elementor-element-5e55185 elementor-widget elementor-widget-heading" data-id="5e55185" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">費用不透明</h3> </div> </div> <div class="elementor-element elementor-element-b14c47c elementor-widget elementor-widget-text-editor" data-id="b14c47c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>非法業者會在過件前就以各種名義不斷加收費用，也不會有明確的收據明細，客戶不僅最後沒有取得貸款資金，所繳交的費用也追討不回來?/p> </div> </div> <div class="elementor-element elementor-element-63431af elementor-widget elementor-widget-heading" data-id="63431af" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">收取高利?/h3> </div> </div> <div class="elementor-element elementor-element-a9f7a05 elementor-widget elementor-widget-text-editor" data-id="a9f7a05" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>許多民間貸款會收取超過月利率3%的利息，或是將高額利息以手續費等其他名目進行收費，也有非法機構會利用民眾急需用錢的劣勢迫使對方答應較高的民間二胎利率?/p> </div> </div> <div class="elementor-element elementor-element-0c1c49b elementor-widget elementor-widget-heading" data-id="0c1c49b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">更多擔保?/h3> </div> </div> <div class="elementor-element elementor-element-d497ea6 elementor-widget elementor-widget-text-editor" data-id="d497ea6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 有些二胎業者會?span class="f-point">提供的房屋價值不足為理由，要求借款人提供更多擔保品以提高貸款額?/span>，然而這樣不但會導致負債狀況複雜，後續的還款負擔也會過高? </div> </div> <div class="elementor-element elementor-element-987ac7e elementor-widget elementor-widget-heading" data-id="987ac7e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">資訊不對?/h3> </div> </div> <div class="elementor-element elementor-element-f6f7178 elementor-widget elementor-widget-text-editor" data-id="f6f7178" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>非法業者並不會?a href="//danaherbertts.shop/identity-verification/" target="_blank" rel="noopener">對保</a>流程，也不會詳細說明合約內容，等到客戶發現合約有疑慮已來不及爭取自身權益?/p> </div> </div> <div class="elementor-element elementor-element-6b3383b elementor-widget elementor-widget-image" data-id="6b3383b" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="946" src="//danaherbertts.shop/wp-content/uploads/2021/04/risk-second-mortgag-866x1024.png" class="attachment-large size-large wp-image-54463" alt="民間二胎房貸?種風險－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/04/risk-second-mortgag-866x1024.png 866w, //danaherbertts.shop/wp-content/uploads/2021/04/risk-second-mortgag-254x300.png 254w, //danaherbertts.shop/wp-content/uploads/2021/04/risk-second-mortgag-768x908.png 768w, //danaherbertts.shop/wp-content/uploads/2021/04/risk-second-mortgag.png 1000w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-14fa4561 elementor-widget elementor-widget-heading" data-id="14fa4561" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請二胎房貸要注意什麼？</h2> </div> </div> <div class="elementor-element elementor-element-1120a9b elementor-widget elementor-widget-text-editor" data-id="1120a9b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>了解民間二胎房貸風險後，我們建議你申請房屋二胎前先閱讀以下注意事項，也歡迎你向<strong>大揚代書</strong>諮詢辦理，我們不僅是合法立業的代書二胎，更保證不過件就不收費?/p> </div> </div> <div class="elementor-element elementor-element-e880e33 elementor-widget elementor-widget-heading" data-id="e880e33" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">評估自身貸款條件</h3> </div> </div> <div class="elementor-element elementor-element-2aca3a5 elementor-widget elementor-widget-text-editor" data-id="2aca3a5" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 申請二胎房貸前先評估好自身的財務狀況及申貸條件，才能選擇最合適的貸款管道，銀行二胎和民間二胎並無好壞，可以安全的解決財務問題最重要！也要提醒你，若是要<span class="f-point">向銀行提出申請，建議3個月內不要送件超過3?/span>，以免讓銀行認為有過高的資金需求，導致核貸率降低? </div> </div> <div class="elementor-element elementor-element-68753bc elementor-widget elementor-widget-heading" data-id="68753bc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">提前制訂還款計畫</h3> </div> </div> <div class="elementor-element elementor-element-e7d83b7 elementor-widget elementor-widget-text-editor" data-id="e7d83b7" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>在急需金錢周轉的情況下，取得足夠的資金固然重要，但同時也要注意自身的還款能力。在申請貸款之前建議先制定完整的還款計畫，確保貸款的金額能夠按時繳納，避免再次落入資金缺乏的窘境?/p> </div> </div> <div class="elementor-element elementor-element-d32c390 elementor-widget elementor-widget-heading" data-id="d32c390" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">注意其他支出費用</h3> </div> </div> <div class="elementor-element elementor-element-e1d7d1d elementor-widget elementor-widget-text-editor" data-id="e1d7d1d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>除了要選擇專業、合法的貸款機構之外，在簽訂合約時也要特別注意開辦費、手續費等收費方式，以免額外支出過多?/p> </div> </div> <div class="elementor-element elementor-element-69c24b42 elementor-widget elementor-widget-heading" data-id="69c24b42" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">避開民間二胎房貸風險就找大揚</h2> </div> </div> <div class="elementor-element elementor-element-712ff052 elementor-widget elementor-widget-text-editor" data-id="712ff052" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>民間二胎房貸推薦大揚代書，我們成功辦理的房屋二胎件數相當多，全台各地均有客戶，不論是貸款遲繳、負債比過高、信用不良、無薪轉證明、土地或房屋持分，都歡迎?strong>大揚代書</strong>申請二胎房貸?a href="//danaherbertts.shop/remortgage/" target="_blank" rel="noopener">房屋轉增?/a>等貸款項目，最後與你分享客戶與我們申辦的二胎房貸經驗，讓你更能安心辦理！</p> </div> </div> <div class="elementor-element elementor-element-3d8c395 elementor-widget elementor-widget-text-editor" data-id="3d8c395" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><a href="//danaherbertts.shop/new-taipei-pawnshop-balance/" target="_blank" rel="noopener"><strong>新北二胎房貸</strong></a><strong>?/strong>申貸額度120?/li><li><a href="//danaherbertts.shop/taichung-house-lend-money/" target="_blank" rel="noopener"><strong>台中二胎房貸</strong></a><strong>?/strong>申貸額度180?/li><li><a href="//danaherbertts.shop/kaohsiung-house-loan-balance/" target="_blank" rel="noopener"><strong>高雄二胎房貸</strong></a><strong>?/strong>申貸額度500?/li><li><a href="//danaherbertts.shop/people-high-interest-loan/" target="_blank" rel="noopener"><strong>花蓮二胎房貸</strong></a><strong>?/strong>申貸額度150?/li><li><a href="//danaherbertts.shop/penghu-house-loan-case/" target="_blank" rel="noopener"><strong>澎湖二胎房貸</strong></a><strong>?/strong>申貸額度230?/li></ul><p> </p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-150713bc elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="150713bc" 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-7e570ea3" data-id="7e570ea3" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-dec9b0d elementor-widget elementor-widget-heading" data-id="dec9b0d" 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-7b823c9d elementor-widget elementor-widget-text-editor" data-id="7b823c9d" 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 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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/people-second-mortgage-risk/">民間二胎房貸風險有哪些？辨別合法貸款方法在這裡?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> </channel> </rss>