關於資金用途說明書 的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E8%B3%87%E9%87%91%E7%94%A8%E9%80%94%E8%AA%AA%E6%98%8E%E6%9B%B8/feed/" rel="self" type="application/rss+xml" /> <link></link> <description></description> <lastBuildDate>Mon, 03 Mar 2025 06:36:35 +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>關於資金用途說明書 的大小事，大揚代書幫你一網打?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>貸款資金用途怎麼說？這樣回答就能輕鬆過關?/title> <link>//danaherbertts.shop/loan-application-purpose/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Thu, 27 Feb 2025 01:44:02 +0000</pubDate> <category><![CDATA[申貸須知]]></category> <category><![CDATA[信貸理由]]></category> <category><![CDATA[照會資金用途]]></category> <category><![CDATA[貸款資金用途不符]]></category> <category><![CDATA[資金用途怎麼說]]></category> <category><![CDATA[資金用途說明書]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=58845</guid> <description><![CDATA[<p>貸款資金用途怎麼說？這樣回答就能輕鬆過關?申請銀行貸款時，必定會被問到貸款的「資金用途」是什麼。這個問題到?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/loan-application-purpose/">貸款資金用途怎麼說？這樣回答就能輕鬆過關?/a> 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="58845" class="elementor elementor-58845" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-727b5584 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="727b5584" 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-473aee8f" data-id="473aee8f" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-23955f5f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="23955f5f" 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-2a10368a" data-id="2a10368a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-26505dab elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="26505dab" 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">資金用途說明書</span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-aaca587 elementor-widget elementor-widget-heading" data-id="aaca587" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">貸款資金用途怎麼說？這樣回答就能輕鬆過關?/h1> </div> </div> <div class="elementor-element elementor-element-25d117e0 elementor-widget elementor-widget-image" data-id="25d117e0" 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/2025/02/loan-application-purpose.webp" class="attachment-large size-large wp-image-58846" alt="貸款資金用途怎麼說？這樣回答就能輕鬆過關！－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose.webp 1024w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-300x214.webp 300w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-768x548.webp 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-19ed5460 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="19ed5460" 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-2fa41eb9 elementor-widget elementor-widget-text-editor" data-id="2fa41eb9" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>申請銀行貸款時，必定會被問到貸款的「資金用途」是什麼。這個問題到底要如何回答，才不會被銀行認定為資金用途不符，而婉拒申請呢？本文將帶你了解銀行照會資金用途的原因，並提供各種貸款情境的應對策略，一次通過審核?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-56382cba elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="56382cba" 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-6223518b" data-id="6223518b" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-5a742386 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="5a742386" 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-8beb0ea" data-id="8beb0ea" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-f2ef955 elementor-widget elementor-widget-heading" data-id="f2ef955" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">什麼時候會被問資金用途？</h2> </div> </div> <div class="elementor-element elementor-element-2eae85c4 elementor-widget elementor-widget-text-editor" data-id="2eae85c4" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>資金用途是銀行進行風險評估時，會使用的授信5P原則之一，目的是在了解申請人將如何運用這筆資金，以確保資金不會用來從事投機交易，例如股票槓桿或增貸買房等，讓銀行面臨借款無法回收的風險?/p> </div> </div> <div class="elementor-element elementor-element-56c49c75 elementor-widget elementor-widget-text-editor" data-id="56c49c75" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>此外，詢問資金用途也是銀行協助政府履行法規的一個環節，能夠有效防範洗錀詐騙等非法行為?/p> </div> </div> <div class="elementor-element elementor-element-8f26847 elementor-widget elementor-widget-text-editor" data-id="8f26847" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>因此，只要是跟銀行申請的貸款，不管是<span class="f-point">房屋貸款（包?a href="//danaherbertts.shop/mortgage-increase/" target="_blank" rel="noopener">房屋增貸</a>?a href="//danaherbertts.shop/second-house-lend-money/" target="_blank" rel="noopener">二胎貸款</a>），或是信用貸款，都會在審核照會的階段被詢問資金用?/span>?/p> </div> </div> <div class="elementor-element elementor-element-67c82451 example elementor-widget elementor-widget-text-editor" data-id="67c82451" 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>除了口頭詢問，不少銀行還會提供資金用途說明書請貸款人填寫，盡可能降低放款風險?/span> </div> </div> <div class="elementor-element elementor-element-62402092 elementor-widget elementor-widget-heading" data-id="62402092" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">資金用途怎麼說才能通過?/h2> </div> </div> <div class="elementor-element elementor-element-1bb29e36 elementor-widget elementor-widget-text-editor" data-id="1bb29e36" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 雖然資金用途並沒有標準的答案，基本上只要符合聯徵中心公告的5大正當理由，?span class="f-point">購置房屋（增貸、二胎不適用）、裝潢修繕、購買汽車、企業週轉、個人週轉</span>等，都是能夠通過的。但由於每種貸款的狀況都不大相同，下面我們特別整理了幾種常見的貸款情境，以及它們對應的資金用途? </div> </div> <div class="elementor-element elementor-element-6d94f1ba elementor-widget elementor-widget-heading" data-id="6d94f1ba" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">購屋貸款資金用?/h3> </div> </div> <div class="elementor-element elementor-element-2bb53b9a elementor-widget elementor-widget-text-editor" data-id="2bb53b9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>由於購屋貸款的申請目的非常明確，<span class="f-point">資金用途只能回答「購買自用住宅?/span>，而不能回答週轉，或是買車等其他消費行為?/p> </div> </div> <div class="elementor-element elementor-element-18ce703a elementor-widget elementor-widget-heading" data-id="18ce703a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">房屋增貸資金用?/h3> </div> </div> <div class="elementor-element elementor-element-4d85346b elementor-widget elementor-widget-text-editor" data-id="4d85346b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>房屋增貸是近年炒房的主要金源之一，為防堵此情形，銀行對資金用途的審查也越來越嚴。房屋增貸理由可以回答裝潢修繕、週轉、買車，<span class="f-point">唯獨不可回答「買房?/span>?/p> </div> </div> <div class="elementor-element elementor-element-2554168 elementor-widget elementor-widget-heading" data-id="2554168" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">信用貸款資金用?/h3> </div> </div> <div class="elementor-element elementor-element-cd9a09b elementor-widget elementor-widget-text-editor" data-id="cd9a09b" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>信貸理由千百種，不管是回答個人消費、投資理財或裝潢修繕，都能安全過關。但由於信貸屬於消費性貸款，不可投入房市?span class="f-point">因此一樣不能回答「買房?/span>?/p> </div> </div> <div class="elementor-element elementor-element-66f6a62 elementor-widget elementor-widget-heading" data-id="66f6a62" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">其他不能說的貸款理由</h3> </div> </div> <div class="elementor-element elementor-element-67b3281 elementor-widget elementor-widget-text-editor" data-id="67b3281" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>除了上述的各種情況外，其他可能會被婉拒的資金用途包括：</p><ul><li>將資金用於個人放款業務?/li><li>將資金拿來償還民間債務?/li><li>將資金投入非法產業，或是用來賭博、投機獲利等?/li></ul> </div> </div> <div class="elementor-element elementor-element-7c10471 elementor-widget elementor-widget-image" data-id="7c10471" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="706" height="1024" src="//danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-706x1024.png" class="attachment-large size-large wp-image-58857" alt="資金用途這樣答不會錯－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-706x1024.png 706w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-207x300.png 207w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-768x1114.png 768w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose.png 1000w" sizes="(max-width: 706px) 100vw, 706px" /> </div> </div> <div class="elementor-element elementor-element-32bf88bf elementor-widget elementor-widget-heading" data-id="32bf88bf" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">被銀行發現貸款資金用途不符會怎樣?/h2> </div> </div> <div class="elementor-element elementor-element-33f82c84 elementor-widget elementor-widget-text-editor" data-id="33f82c84" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>很多人會以為，照會資金用途只是走個過場，或只要貸款過水就可以避開銀行的審查。但萬一真的被查到貸款資金用途不符，銀行可是會祭出下面這些方式，來對你作出懲罰的！</p> </div> </div> <div class="elementor-element elementor-element-a5e38e9 elementor-widget elementor-widget-heading" data-id="a5e38e9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">提高貸款利率</h3> </div> </div> <div class="elementor-element elementor-element-86932ce elementor-widget elementor-widget-text-editor" data-id="86932ce" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>每種貸款的風險程度不同，對應的利率自然也不相同。因此，若有資金用途不符的情況?span class="f-point">銀行可能就會將貸款利率，調升到符合風險的水平，來平衡放貸成?/span>?/p> </div> </div> <div class="elementor-element elementor-element-14a7fb4 elementor-widget elementor-widget-heading" data-id="14a7fb4" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">縮短還款年限</h3> </div> </div> <div class="elementor-element elementor-element-a8799ae elementor-widget elementor-widget-text-editor" data-id="a8799ae" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>除了調升利率以外，銀行可能也會選?span class="f-point">以縮短還款年限的方式，要求申請人提前??年內清償款項</span>，以降低資金用途不符所產生的風險?/p> </div> </div> <div class="elementor-element elementor-element-e4f686e elementor-widget elementor-widget-heading" data-id="e4f686e" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">中止貸款合約</h3> </div> </div> <div class="elementor-element elementor-element-4ba8060 elementor-widget elementor-widget-text-editor" data-id="4ba8060" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>如果情況嚴重，銀行甚至會以資金用途不符的理由來中止合約，<span class="f-point">要求申請人提前清償貸款的所有款?/span>，例如近年常看到的信貸買房被追回，就是個例子?/p> </div> </div> <div class="elementor-element elementor-element-70d9d66 elementor-widget elementor-widget-image" data-id="70d9d66" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="706" height="1024" src="//danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-impact-706x1024.png" class="attachment-large size-large wp-image-58873" alt="資金用途不?影響－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-impact-706x1024.png 706w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-impact-207x300.png 207w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-impact-768x1114.png 768w, //danaherbertts.shop/wp-content/uploads/2025/02/loan-application-purpose-impact.png 1000w" sizes="(max-width: 706px) 100vw, 706px" /> </div> </div> <div class="elementor-element elementor-element-7d4fcc48 elementor-widget elementor-widget-heading" data-id="7d4fcc48" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">資金用途不符被婉拒，有其他貸款方式嗎？</h2> </div> </div> <div class="elementor-element elementor-element-275eb3ab elementor-widget elementor-widget-text-editor" data-id="275eb3ab" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 銀行受限於法規及風險管理等因素，審核相對嚴格，若因資金用途不符而遭銀行婉拒也別灰心，民間貸款或許是另一條可行之路? </div> </div> <div class="elementor-element elementor-element-fe93390 elementor-widget elementor-widget-heading" data-id="fe93390" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">民間貸款的優?/h3> </div> </div> <div class="elementor-element elementor-element-a51b356 elementor-widget elementor-widget-text-editor" data-id="a51b356" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>民間貸款對於資金用途的審核，沒有銀行那麼嚴格，基本上只要不是非法用途，過件機率都很高。它的優點包括：</p><ul><li><strong>審核標準寬鬆?/strong>民間貸款不看聯徵，只要職收穩定、具還款能力，皆可申辦?/li><li><strong>貸款方案多元?/strong>除了房地貸款與汽機車貸款，也有代書信貸等方案可以選擇?/li><li><strong>可貸額度較高?/strong>民間貸款的可貸額度比銀行來得高，運用上也會比較彈性?/li></ul> </div> </div> <div class="elementor-element elementor-element-c567212 elementor-widget elementor-widget-heading" data-id="c567212" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">民間貸款推薦大揚代書</h3> </div> </div> <div class="elementor-element elementor-element-f7b7283 elementor-widget elementor-widget-text-editor" data-id="f7b7283" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>大揚代書是合法專業的代書事務所，我們提供多元且專業的貸款服務，從房屋貸款、土地貸款、汽機車貸款到代書信貸，都能為你量身打造最合適的資金方案。無論你是信用瑕疵、無薪轉證明，或是需要大額週轉，就讓大揚代書幫助你安全快速的取得資金，解決急迫的財務困境！</p> </div> </div> <div class="elementor-element elementor-element-5e72f383 elementor-widget elementor-widget-text-editor" data-id="5e72f383" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/escrow-loan/" target="_blank" rel="noopener">代書貸款推薦！撥款快速、額度更高的管道在這裡</a></b> </div> </div> <div class="elementor-element elementor-element-2de30f9b elementor-widget elementor-widget-heading" data-id="2de30f9b" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">貸款資金用途常見問?/h2> </div> </div> <div class="elementor-element elementor-element-552e861d elementor-widget elementor-widget-accordion" data-id="552e861d" 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-1421" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1421" aria-expanded="false"> <span class="elementor-accordion-icon elementor-accordion-icon-right" aria-hidden="true"> <span class="elementor-accordion-icon-closed"><i class="fas fa-angle-down"></i></span> <span class="elementor-accordion-icon-opened"><i class="fas fa-angle-up"></i></span> </span> <a class="elementor-accordion-title" tabindex="0">Q：銀行會查貸款用途嗎?/a> </div> <div id="elementor-tab-content-1421" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1421"><p>會！銀行會在照會時詳細詢問你的貸款理由，還款期間也會不定期的抽查資金使用情況，以確保資金用途與當初申請時相符?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1422" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1422" 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：貸款過水後還會被查到資金用途不符嗎?/a> </div> <div id="elementor-tab-content-1422" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1422"><p>有些人會將貸款撥付的款項，匯到其他戶頭「過水」後再使用，以規避銀行的追查，但其實銀行還是會透過資金流向紀錄來進行追蹤，一旦發現資金用途與申請不符，就會展開調查?/p></div> </div> <div class="elementor-accordion-item"> <div id="elementor-tab-title-1423" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1423" 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：貸款沒過的原因有哪些？</a> </div> <div id="elementor-tab-content-1423" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1423"><p>貸款沒過的原因有很多種，資金用途不符只是其一，另外還有信用評分過低、職收不穩定、負債比過高等，也都是常見的銀行婉拒因素?/p><p><span style="color: #66593c; background: #F9F6F1;"><strong>延伸閱讀?/strong><a href="//danaherbertts.shop/debt-ratio/" target="_blank" rel="noopener">負債比是什麼？投資、申貸前必看?點！</a></span></p></div> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Q\uff1a\u9280\u884c\u6703\u67e5\u8cb8\u6b3e\u7528\u9014\u55ce\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u6703\uff01\u9280\u884c\u6703\u5728\u7167\u6703\u6642\u8a73\u7d30\u8a62\u554f\u4f60\u7684\u8cb8\u6b3e\u7406\u7531\uff0c\u9084\u6b3e\u671f\u9593\u4e5f\u6703\u4e0d\u5b9a\u671f\u7684\u62bd\u67e5\u8cc7\u91d1\u4f7f\u7528\u60c5\u6cc1\uff0c\u4ee5\u78ba\u4fdd\u8cc7\u91d1\u7528\u9014\u8207\u7576\u521d\u7533\u8acb\u6642\u76f8\u7b26\u3002<\/p>"}},{"@type":"Question","name":"Q\uff1a\u8cb8\u6b3e\u904e\u6c34\u5f8c\u9084\u6703\u88ab\u67e5\u5230\u8cc7\u91d1\u7528\u9014\u4e0d\u7b26\u55ce\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u6709\u4e9b\u4eba\u6703\u5c07\u8cb8\u6b3e\u64a5\u4ed8\u7684\u6b3e\u9805\uff0c\u532f\u5230\u5176\u4ed6\u6236\u982d\u300c\u904e\u6c34\u300d\u5f8c\u518d\u4f7f\u7528\uff0c\u4ee5\u898f\u907f\u9280\u884c\u7684\u8ffd\u67e5\uff0c\u4f46\u5176\u5be6\u9280\u884c\u9084\u662f\u6703\u900f\u904e\u8cc7\u91d1\u6d41\u5411\u7d00\u9304\u4f86\u9032\u884c\u8ffd\u8e64\uff0c\u4e00\u65e6\u767c\u73fe\u8cc7\u91d1\u7528\u9014\u8207\u7533\u8acb\u4e0d\u7b26\uff0c\u5c31\u6703\u5c55\u958b\u8abf\u67e5\u3002<\/p>"}},{"@type":"Question","name":"Q\uff1a\u8cb8\u6b3e\u6c92\u904e\u7684\u539f\u56e0\u6709\u54ea\u4e9b\uff1f","acceptedAnswer":{"@type":"Answer","text":"<p>\u8cb8\u6b3e\u6c92\u904e\u7684\u539f\u56e0\u6709\u5f88\u591a\u7a2e\uff0c\u8cc7\u91d1\u7528\u9014\u4e0d\u7b26\u53ea\u662f\u5176\u4e00\uff0c\u53e6\u5916\u9084\u6709\u4fe1\u7528\u8a55\u5206\u904e\u4f4e\u3001\u8077\u6536\u4e0d\u7a69\u5b9a\u3001\u8ca0\u50b5\u6bd4\u904e\u9ad8\u7b49\uff0c\u4e5f\u90fd\u662f\u5e38\u898b\u7684\u9280\u884c\u5a49\u62d2\u56e0\u7d20\u3002<\/p><p><span style=\"color: #66593c; background: #F9F6F1;\"><strong>\u5ef6\u4f38\u95b1\u8b80\uff1a<\/strong><a href=\"https:\/\/danaherbertts.shop\/debt-ratio\/\" target=\"_blank\" rel=\"noopener\">\u8ca0\u50b5\u6bd4\u662f\u4ec0\u9ebc\uff1f\u6295\u8cc7\u3001\u7533\u8cb8\u524d\u5fc5\u770b\u90195\u9ede\uff01<\/a><\/span><\/p>"}}]}</script> </div> </div> </div> <div class="elementor-element elementor-element-34c6837b elementor-widget elementor-widget-heading" data-id="34c6837b" 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-eb0d67c elementor-widget elementor-widget-text-editor" data-id="eb0d67c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>原來看似單純的照會資金用途，竟然藏著這麼多眉角，甚至會影響到貸款申請的成敗！希望這篇文章能幫助你看懂銀行的審核機制，並在關鍵時刻做出完美的資金用途回答，順利取得貸款?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-5328b639 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="5328b639" 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-1d3833c6" data-id="1d3833c6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-520b328c elementor-widget elementor-widget-heading" data-id="520b328c" 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-3385be93 elementor-widget elementor-widget-text-editor" data-id="3385be93" 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-dcd0a19" data-id="dcd0a19" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-619828e0 elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="619828e0" 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" 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