關於銀行房貸方?的大小事，大揚代書幫你一網打?/title> <atom:link href="//danaherbertts.shop/tag/%E9%8A%80%E8%A1%8C%E6%88%BF%E8%B2%B8%E6%96%B9%E6%A1%88/feed/" rel="self" type="application/rss+xml" /> <link>//danaherbertts.shop/tag/銀行房貸方?</link> <description></description> <lastBuildDate>Thu, 16 Jan 2025 02:53:56 +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>關於銀行房貸方?的大小事，大揚代書幫你一網打?/title> <link>//danaherbertts.shop/tag/銀行房貸方?</link> <width>32</width> <height>32</height> </image> <item> <title>銀行房屋貸?/title> <link>//danaherbertts.shop/bank-mortgage/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 03 Sep 2021 10:21:10 +0000</pubDate> <category><![CDATA[銀行貸款]]></category> <category><![CDATA[房屋貸款試算]]></category> <category><![CDATA[指數型房貸]]></category> <category><![CDATA[銀行房屋貸款]]></category> <category><![CDATA[銀行房屋貸款成數]]></category> <category><![CDATA[銀行房貸利率]]></category> <category><![CDATA[銀行房貸方案]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=13976</guid> <description><![CDATA[<p>銀行房屋貸?銀行房屋貸?大多數人們認為自辦貸款較為方便省錢，但若非從事金融相關行業，您對貸款方面能夠了解?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/bank-mortgage/">銀行房屋貸?/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="13976" class="elementor elementor-13976" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-2392b5fc elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle" data-id="2392b5fc" data-element_type="section" data-settings="{"background_background":"classic"}" data-e-bg-lazyload=""> <div class="elementor-background-overlay"></div> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2472208f" data-id="2472208f" data-element_type="column" data-settings="{"background_background":"classic"}"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-a310b4b elementor-widget elementor-widget-page-title" data-id="a310b4b" data-element_type="widget" data-settings="{"align":"center"}" data-widget_type="page-title.default"> <div class="elementor-widget-container"> <div class="hfe-page-title hfe-page-title-wrapper elementor-widget-heading"> <h1 class="elementor-heading-title elementor-size-xl"> 標籤: <span>銀行房貸方?/span> </h1 > </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-ae4f90a elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ae4f90a" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ad4bcb6" data-id="ad4bcb6" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-f1c59be elementor-widget elementor-widget-heading" data-id="f1c59be" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸?/h2> </div> </div> <div class="elementor-element elementor-element-958c839 elementor-widget elementor-widget-text-editor" data-id="958c839" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>大多數人們認為自辦貸款較為方便省錢，但若非從事金融相關行業，您對貸款方面能夠了解多少?br />這就是交由代書辦理的最大優勀?strong>大揚代書</strong>提供專業貸款顧問協助您爭取到更好更合適的貸款方案?/p> </div> </div> <div class="elementor-element elementor-element-e3a1e76 elementor-widget elementor-widget-html" data-id="e3a1e76" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="border-top:3px #b9a88e solid;border-left:3px #b9a88e solid;border-left:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: center;" width="20%">貸款特色</th> <td style="border-top:3px #b9a88e solid;border-right:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: left;" width="80%"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2714.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" />累積多家銀行配合經驗，過件率高 <img src="//s.w.org/images/core/emoji/15.0.3/72x72/2714.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /> 申辦銀行利率低，安全放心貸</td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">適用對象</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">年滿18歲且有還款能力者?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: center;">貸款年限</th> <td style="border-right:3px #bea57c solid; background-color:#f9f5ef; vertical-align: middle; text-align: left;">最長可?0?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款利率</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">依銀行當期利率核定?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: center;">檢附文件</th> <td style="border-right:3px #b9a88e solid; background-color:#f9f5ef; vertical-align: middle; text-align: left;">身份證、財力證明、戶籍謄本、土地及建物權狀、其他加分文件?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: center;">貸款額度</th> <td style="border-right:3px #b9a88e solid; background-color:#f0e7da;vertical-align: middle; text-align: left;">最高可達房?成?/td> </tr> <tr> <th style="border-left:3px #b9a88e solid; border-bottom:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: center;">寬限期限</th> <td style="border-bottom:3px #b9a88e solid;border-right:3px #b9a88e solid; background-color:#f9f5ef;vertical-align: middle; text-align: left;">最?年?/td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-eb8bf4f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="eb8bf4f" 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-100 elementor-top-column elementor-element elementor-element-f7f9f50" data-id="f7f9f50" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-01ce8c3 elementor-widget__width-inherit elementor-widget elementor-widget-heading" data-id="01ce8c3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行代?大好?/h2> </div> </div> <div class="elementor-element elementor-element-ee2e243 elementor-widget elementor-widget-lae-services" data-id="ee2e243" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="合適貸款方案 – 大揚代書" title="合適貸款方案 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/合適貸款方案.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">合適貸款方案</h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="低利高額?– 大揚代書" title="低利高額?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?1.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">低利高額?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="提高過件?– 大揚代書" title="提高過件?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/低利高額?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/低利高額?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">提高過件?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="申辦過程快?– 大揚代書" title="申辦過程快?- 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/申辦過程快?png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">申辦過程快?/h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="免費諮詢服務 – 大揚代書" title="免費諮詢服務 - 大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務-300x300.png 300w, //danaherbertts.shop/wp-content/uploads/2021/07/免費諮詢服務.png 512w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢服務</h3> <div class="lae-service-details"></div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> <div class="elementor-element elementor-element-b6354eb elementor-widget elementor-widget-html" data-id="b6354eb" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="background-color:#e8dccc; vertical-align: middle; text-align: center; font-size:20px;" colspan="3"><u>自辦貸款</u> vs <u>代辦貸款</u> <br>差別比較</th></tr> <tr> <th style="background-color:#f9f5ef; vertical-align: middle; text-align: center;" width="12%">項目</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">自辦貸款</th> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" width="44%">代辦貸款</th> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">利率額度</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >貸款資訊知識不足，較難貸到理想方?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >專業的貸款顧問協助爭取更好條?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">貸款方案</th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >只獲1家銀行方案（無法一次多家比較）</td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >多家銀行同時評估（快速找到適合自身的銀行方案）</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">審核時間</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較慢，不熟悉流程，且要自己請假去處理</td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;" >較快，因熟悉銀行作業流程，可縮短申請時?/td> </tr> <tr> <th style="background-color:#f9f5ef;vertical-align: middle; text-align: center;">過件?/th> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較低，信用不佳等因素容易退?/td> <td style="background-color:#f9f5ef;vertical-align: middle; text-align: center;" >核准率較高，量身規劃客製服務，並避免浪費聯徵次數</td> </tr> <tr> <th style="background-color:#f0e7da; vertical-align: middle; text-align: center;">適用對象</th> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">信用條件優良、受銀行喜愛職?/td> <td style="background-color:#f0e7da; vertical-align: middle; text-align: center;">急用錀信用瑕?小白、被銀行拒貸、想要有更好貸款條件</td> </tr> </tbody> </table> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-db5c4c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="db5c4c9" 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-100 elementor-top-column elementor-element elementor-element-11b757d" data-id="11b757d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-8572b49 elementor-widget elementor-widget-heading" data-id="8572b49" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default"><span style="border-bottom:#34324a 5px solid;padding-bottom:3px;">六大優勢</span></h2> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-040df56 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="040df56" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7f42da" data-id="e7f42da" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7f10753 elementor-widget elementor-widget-lae-services" data-id="7f10753" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" title="＜政府推薦＞擁有超過三十年實務經驗的優良店家，政府合法，專業經營" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/one-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/one.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">政府推薦</h3> <div class="lae-service-details">擁有近五十年實務經驗的優良店家，政府合法，專業經營?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? title="＜實體店面＞大揚是擁有實體店面的店家，讓您看的到，能夠借得更安? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/two-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/two.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">實體店面</h3> <div class="lae-service-details">大揚是擁有實體店面的店家，讓您看的到，能夠借得更安心?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? title="＜撥款快速＞貸款門檻低，利率低，額度高，而且急件最快就能當天撥? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/three-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/three.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">撥款快?/h3> <div class="lae-service-details">貸款門檻低，利率低，額度高，而且急件最快就能當天撥款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-fb0f921 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="fb0f921" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b596709" data-id="b596709" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-2b5b38c elementor-widget elementor-widget-lae-services" data-id="2b5b38c" data-element_type="widget" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-auto-column-layout" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? title="＜過件率高＞提供各式貸款項目，為您規劃最合適的專案，提高貸款過件? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/four-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/four.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">過件率高</h3> <div class="lae-service-details">提供各式貸款項目，為您規劃最合適的專案，提高貸款過件率！</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? title="＜專業諮詢＞大揚業務範圍不受限台南地區，全台經營，歡迎來電做免費諮? srcset="//danaherbertts.shop/wp-content/uploads/2021/02/five-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/five.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">全台服務</h3> <div class="lae-service-details">大揚服務範圍不受地區限制，全台經營，離島地區也能辦理?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="150" height="150" src="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png" class="lae-image attachment-thumbnail size-thumbnail" alt="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" title="＜專業諮詢＞24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款" srcset="//danaherbertts.shop/wp-content/uploads/2021/02/six-150x150.png 150w, //danaherbertts.shop/wp-content/uploads/2021/02/six.png 250w" sizes="(max-width: 150px) 100vw, 150px" /> </div> <div class="lae-service-text"> <h3 class="lae-title">專業諮詢</h3> <div class="lae-service-details">24小時專員服務及線上填寫申辦表單，讓您無須出門就能辦得貸款?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-2e7d211 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2e7d211" 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-100 elementor-top-column elementor-element elementor-element-5794b28" data-id="5794b28" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-adebf3a elementor-widget elementor-widget-heading" data-id="adebf3a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸款簡?步驟</h2> </div> </div> <div class="elementor-element elementor-element-60d6813 elementor-widget elementor-widget-text-editor" data-id="60d6813" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <h5 style="text-align: center;">專業快速、誠信保?/h5> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-aeb02b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="aeb02b1" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51cee37" data-id="51cee37" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-abf69ca elementor-widget elementor-widget-lae-services" data-id="abf69ca" data-element_type="widget" data-settings="{"per_line":"5","per_line_tablet":"2","per_line_mobile":"1"}" data-widget_type="lae-services.default"> <div class="elementor-widget-container"> <div class="lae-services lae-services-style1 lae-uber-grid-container lae-grid-desktop-5 lae-grid-tablet-2 lae-grid-mobile-1" > <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：提出申請 – 大揚代書" alt="申貸五步驟：提出申請 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">免費諮詢</h3> <div class="lae-service-details">貸款或債務上的問題，詳細了解申貸人的需求，提供申貸建議?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：準備文件 – 大揚代書" alt="申貸五步驟：準備文件 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">篩選方案</h3> <div class="lae-service-details">貸款顧問會先詢問蒐集你的資料及信用條件進行評估?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：審核評估 – 大揚代書" alt="申貸五步驟：審核評估 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">銀行審?/h3> <div class="lae-service-details">專員與銀行進行溝通，提高過件率，銀行會依據申貸人的條件進行審核?</div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/-1-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：簽約對保 – 大揚代書" alt="申貸五步驟：簽約對保 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">簽約對保</h3> <div class="lae-service-details">銀行貸款核准後，申貸人與銀行進行對保，確認核貸金額、還款利率、期限等規範?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> <div class="lae-service " > <div class="lae-image-wrapper"> <img decoding="async" width="120" height="120" src="//danaherbertts.shop/wp-content/uploads/elementor/thumbs/-pkx9kd1slv3c81iqnzwoe6oop0wq4scdr8mttwgxps.png" title="申貸五步驟：撥款入帳 – 大揚代書" alt="申貸五步驟：撥款入帳 - 大揚代書" class="lae-image" /> </div> <div class="lae-service-text"> <h3 class="lae-title">完成撥款</h3> <div class="lae-service-details">對保完成，待銀行撥款至帳戶，代辦公司向申貸人收取手續費?/div> </div><!-- .lae-service-text --> </div><!-- .lae-service --> </div><!-- .lae-services --> <div class="lae-clear"></div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-d1d7e69 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="d1d7e69" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6c040cf" data-id="6c040cf" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-121e3f5 elementor-widget-divider--separator-type-pattern elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="121e3f5" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider" style="--divider-pattern-url: url("data:image/svg+xml,%3Csvg xmlns='//www.w3.org/2000/svg' preserveAspectRatio='none' overflow='visible' height='100%' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1' stroke-linecap='square' stroke-miterlimit='10'%3E%3Cpath d='M0,6c6,0,0.9,11.1,6.9,11.1S18,6,24,6'/%3E%3C/svg%3E");"> <span class="elementor-divider-separator"> </span> </div> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-top-section elementor-element elementor-element-25be91c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="25be91c" data-element_type="section" data-settings="{"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d1adfc" data-id="7d1adfc" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-1f00ee3 elementor-widget elementor-widget-heading" data-id="1f00ee3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">銀行房屋貸款常見問?/h2> </div> </div> <div class="elementor-element elementor-element-7e4da1c elementor-widget elementor-widget-toggle" data-id="7e4da1c" data-element_type="widget" data-widget_type="toggle.default"> <div class="elementor-widget-container"> <div class="elementor-toggle"> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1321" class="elementor-tab-title" data-tab="1" role="button" aria-controls="elementor-tab-content-1321" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行房貸利率怎麼算？</a> </div> <div id="elementor-tab-content-1321" class="elementor-tab-content elementor-clearfix" data-tab="1" role="region" aria-labelledby="elementor-tab-title-1321"><p>銀行房貸利率多?span class="f-point">「指標利率」＋「加碼利率?/span>。指標利率又稱「定儲利率指數」，各家銀行計算方式不同，但通常會以5?家銀行一年期或兩年期定期儲蓄存款利率的平均數為基準；加碼利率則是銀行針對個人條件進行評估，考量承作成本、風險等因素後計算出的附加利率?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/mortgage-interest-rate-calculate/" target="_blank" rel="noopener">房貸利率怎麼算？攤還方式、利率浮動一次懂?/a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1322" class="elementor-tab-title" data-tab="2" role="button" aria-controls="elementor-tab-content-1322" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">哪家銀行房貸利率比較低?/a> </div> <div id="elementor-tab-content-1322" class="elementor-tab-content elementor-clearfix" data-tab="2" role="region" aria-labelledby="elementor-tab-title-1322"><p><span class="f-point">目前房貸最低利率為2.06％，有多家銀行利率都是從地板價起?/span>。要注意的是，銀行公告利率不代表最終核貸結果，利率高低主要是看個人條件，因?span class="f-point">在選擇房貸銀行時，不能只看利?/span>，還要考量手續費、專案優惠、還款期限等?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/bank-house-loan/" target="_blank" rel="noopener">銀行房屋貸款利率比較！首購房貸試算這樣?/a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1323" class="elementor-tab-title" data-tab="3" role="button" aria-controls="elementor-tab-content-1323" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行房屋貸款成數多少？</a> </div> <div id="elementor-tab-content-1323" class="elementor-tab-content elementor-clearfix" data-tab="3" role="region" aria-labelledby="elementor-tab-title-1323"><p>一般來說，<span class="f-point">銀行房貸成數介於房屋鑑??成之?/span>，而影響鑑價與房貸成數的因素包含房屋種類、屋齡、坪數、坐落地區等。若房屋貸款成數不足，可考慮再申辦民間二胎貸款增加週轉資金，或找代書代辦貸款，有機會爭取到更高的額度?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/mortgage-knowledge/" target="_blank" rel="noopener">房屋貸款成數不足怎麼辦？7大方法能提高?/a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1324" class="elementor-tab-title" data-tab="4" role="button" aria-controls="elementor-tab-content-1324" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">房貸怎麼還比較划算？</a> </div> <div id="elementor-tab-content-1324" class="elementor-tab-content elementor-clearfix" data-tab="4" role="region" aria-labelledby="elementor-tab-title-1324"><p>房貸還款方式可從<span class="f-point">「房貸總支出」、「房屋需求」和「財務規劃?/span>3個面向去評估?/p><p><strong>1. 房貸總支出：</strong>若追求最低房貸總繳金額，選擇<span class="f-point">「本金攤還?/span>會比「本息攤還」更划算?br /><strong>2. 房屋需求：</strong>若目前購買的房屋不會永久居住，建?span class="f-point">貸款年限選擇20?/span>，不但可以獲得前期低利率優惠，房貸總繳金額也較低?br /><strong>3. 財務規劃?/strong>若希望每月房貸支出不要太影響生活，而且有其他理財規劃，可以拉長房貸年限來降低月付金?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/repay-mortgage-in-advance/" target="_blank" rel="noopener">房貸提前還款划算嗎？5大優缺點完整分析?/a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1325" class="elementor-tab-title" data-tab="5" role="button" aria-controls="elementor-tab-content-1325" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">銀行房貸可以只還利息嗎?/a> </div> <div id="elementor-tab-content-1325" class="elementor-tab-content elementor-clearfix" data-tab="5" role="region" aria-labelledby="elementor-tab-title-1325"><p><span class="f-point">銀行房貸通常會提??年的寬限期，寬限期內就可以只還利息、不還本?/span>。這裡要提醒的是，使用寬限期雖然可以減輕前期的還款壓力，但會加重寬限期後的每月本息負擔，房貸總繳金額也會增加?/p><p><span style="color: #66593c; background: #F9F6F1;"><b>?延伸閱讀 ?a href="//danaherbertts.shop/grace-perio/" target="_blank" rel="noopener">寬限期越長越好嗎？申請前先注意?點！</a></b></span></p></div> </div> <div class="elementor-toggle-item"> <div id="elementor-tab-title-1326" class="elementor-tab-title" data-tab="6" role="button" aria-controls="elementor-tab-content-1326" aria-expanded="false"> <span class="elementor-toggle-icon elementor-toggle-icon-left" aria-hidden="true"> <span class="elementor-toggle-icon-closed"><i class="fas fa-caret-right"></i></span> <span class="elementor-toggle-icon-opened"><i class="elementor-toggle-icon-opened fas fa-caret-up"></i></span> </span> <a class="elementor-toggle-title" tabindex="0">申請銀行房貸資格不符怎麼辦？</a> </div> <div id="elementor-tab-content-1326" 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href="//danaherbertts.shop/mortgage-interest-rate-calculate/" target="_blank"> 房貸利率怎麼算？利率種類、計算方式一次懂? </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2022-03-28 </span> </div> <div class="elementor-post__excerpt"> <p>房貸利率怎麼算？利率種類、計算方式一次懂?如果你想要申請房屋貸款，除了搜尋各銀行的貸款方案，房貸利</p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/mortgage-interest-rate-calculate/" aria-label="Read more about 房貸利率怎麼算？利率種類、計算方式一次懂? target="_blank"> 《閱讀更多? </a> </div> </article> <article class="elementor-post elementor-grid-item post-18217 post type-post status-publish format-standard has-post-thumbnail hentry category-bank-loan-area tag-1882 tag-2401 tag-3860 tag-2397 tag-3857 tag-2398 tag-2400 tag-3858 tag-3856 tag-2402 tag-2403 tag-3859"> <a class="elementor-post__thumbnail__link" href="//danaherbertts.shop/young-farmers-loan/" target="_blank"> <div class="elementor-post__thumbnail"><img decoding="async" width="300" height="214" src="//danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-300x214.png" class="attachment-medium size-medium wp-image-34762" alt="青農貸款有哪些條件？申貸額度最高達1000萬！－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！-768x548.png 768w, //danaherbertts.shop/wp-content/uploads/2021/11/青農貸款有哪些條件？申貸額度最高達1000萬！.png 1024w" sizes="(max-width: 300px) 100vw, 300px" /></div> </a> <div class="elementor-post__text"> <h2 class="elementor-post__title"> <a href="//danaherbertts.shop/young-farmers-loan/" target="_blank"> 青農貸款有哪些條件？申貸額度最高達1000萬！ </a> </h2> <div class="elementor-post__meta-data"> <span class="elementor-post-date"> 2021-11-04 </span> </div> <div class="elementor-post__excerpt"> <p>青農貸款有哪些條件？申貸額度最高達1000萬！ 隨著網路時代跟疫情的關係，雲端、遠端、智能等行業在台</p> </div> <a class="elementor-post__read-more" href="//danaherbertts.shop/young-farmers-loan/" aria-label="Read more about 青農貸款有哪些條件？申貸額度最高達1000萬！" target="_blank"> 《閱讀更多? </a> </div> </article> </div> </div> </div> </div> </div> </div> </section> </div> <p>這篇文章 <a href="//danaherbertts.shop/bank-mortgage/">銀行房屋貸?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> <item> <title>房貸手續費比較：購屋前先?大重?/title> <link>//danaherbertts.shop/mortgage-fee-compare/</link> <dc:creator><![CDATA[danaherbertts.shop]]></dc:creator> <pubDate>Fri, 13 Aug 2021 05:40:06 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[銀行貸款]]></category> <category><![CDATA[2021房貸利率]]></category> <category><![CDATA[哪一家房貸利率最低]]></category> <category><![CDATA[房貸手續費有哪些]]></category> <category><![CDATA[房貸試算]]></category> <category><![CDATA[房貸開辦費減免]]></category> <category><![CDATA[銀行房貸方案]]></category> <category><![CDATA[首購房貸試算]]></category> <guid isPermaLink="false">//danaherbertts.shop/?p=12248</guid> <description><![CDATA[<p>房貸手續費比較：購屋前先?大重?目前金融市場上推出的房貸專案種類繁多，不僅是在房貸利率及可貸成數上各有所?[…]</p> <p>這篇文章 <a href="//danaherbertts.shop/mortgage-fee-compare/">房貸手續費比較：購屋前先?大重?/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="12248" class="elementor elementor-12248" data-elementor-post-type="post"> <section class="elementor-section elementor-top-section elementor-element elementor-element-15c22c7e elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="15c22c7e" 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-322d2c9c" data-id="322d2c9c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <section class="elementor-section elementor-inner-section elementor-element elementor-element-57b43322 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="57b43322" 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-21612dbc" data-id="21612dbc" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-60b1ec55 elementor-widget elementor-widget-global elementor-global-2793 elementor-widget-breadcrumbs" data-id="60b1ec55" 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">銀行房貸方?/span></span></p> </div> </div> </div> </div> </div> </section> <div class="elementor-element elementor-element-2ea9b940 elementor-widget elementor-widget-heading" data-id="2ea9b940" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default">房貸手續費比較：購屋前先?大重?</h1> </div> </div> <div class="elementor-element elementor-element-35c3dcfa elementor-widget elementor-widget-image" data-id="35c3dcfa" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="571" src="//danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1.png" class="attachment-large size-large wp-image-33050" alt="房貸手續費比較：購屋前先?大重點－大揚代書" srcset="//danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1.png 1024w, //danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1-300x214.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/房貸手續費比較：購屋前先?大重?1-768x548.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-68d33865 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="68d33865" 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-1360262 elementor-widget elementor-widget-text-editor" data-id="1360262" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>目前金融市場上推出的房貸專案種類繁多，不僅是在房貸利率及可貸成數上各有所異，辦理房貸時所需的相關手續費用、首購房貸試算，亦是影響您是否挑選到最划算的貸款關鍵。房貸不能只挑選哪一家房貸利率最低，還需考量其他手續費和成本。本篇文章將告訴您房貸銀行怎麼選擇，並帶您一次了解辦理貸款需負擔的房貸費用有哪些，避免因小失大?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7813b4e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7813b4e4" 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-449de710" data-id="449de710" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-6a0f2173 elementor-widget elementor-widget-global elementor-global-7811 elementor-widget-table-of-contents" data-id="6a0f2173" 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-281470ca" data-id="281470ca" data-element_type="column"> <div class="elementor-widget-wrap"> </div> </div> </div> </section> <div class="elementor-element elementor-element-651938f1 elementor-widget elementor-widget-heading" data-id="651938f1" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">各家銀行房貸手續費比較</h2> </div> </div> <div class="elementor-element elementor-element-8b7f976 elementor-widget elementor-widget-html" data-id="8b7f976" data-element_type="widget" data-widget_type="html.default"> <div class="elementor-widget-container"> <table> <tbody> <tr> <th style="vertical-align: middle;text-align:center;"width="20%"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/中國信託logo-1.png" alt="中國信託logo"></th> <td style="vertical-align: middle;text-align:left;"width="80%"><a href="//www.ctbcbank.com/content/dam/minisite/long/loan/mortgage/product01.html" target="_blank">一般購屋房?/a>，開辦費8000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/國泰世華銀行logo.png" alt="國泰世華銀行logo"></th> <td style="vertical-align: middle; text-align: left;"> <a href="//www.cathaybk.com.tw/cathaybk/personal/loan/product/mortgage/" target="_blank"> 一般購屋貸?/a>，各項相關費用總金額5000?0000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center;"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/台新銀行logo.png" alt="台新銀行logo"></th> <td style="vertical-align: middle; text-align: left;"> <a href="//mkp.taishinbank.com.tw/TsCms/marketing/expose/WM_20190325132043672/buy-house-detail.html" target="_blank"> 購屋貸款</a>，各項相關費用總金額8000?0000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align: center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/永豐銀行logo-1.png" alt="永豐銀行logo"></th> <td style="vertical-align: middle; text-align: left"> <a href="//bank.sinopac.com/sinopacBT/personal/loan/mortgage/first-mortgage.html" target="_blank">首購房貸</a>，各項相關費用總金額5000?2000元?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/新光銀行logo-1.png" alt="新光銀行logo"></th> <td style="vertical-align: middle; text-align:left"><a href="//www.skbank.com.tw/loan/HL/114" target="_blank">一般優惠房?/a>，開辦手續費6000元起?/td> </tr> <tr> <th style="vertical-align: middle; text-align:center"><img decoding="async" src="//danaherbertts.shop/wp-content/uploads/2021/09/台北富邦銀行logo.png" alt="台北富邦銀行logo"></th> <td style="vertical-align: middle; text-align:left"><a href="//www.fubon.com/banking/personal/mortgage/home_loan/home_loan.htm" target="_blank">富邦購屋房貸</a>，帳戶管理費5000元?/td> </tr> </table> </tbody> </div> </div> <div class="elementor-element elementor-element-5aba6bc9 elementor-widget elementor-widget-heading" data-id="5aba6bc9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">如何選擇房貸銀行？</h2> </div> </div> <div class="elementor-element elementor-element-31539f1c elementor-widget elementor-widget-text-editor" data-id="31539f1c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 選擇最低利率的房貸產品不見得是最正確的選擇，考量其他面向也相當重要。市面上推出的房貸專案多如繁星，民眾在挑選房貸銀行時，可以從三大面向著手?span class="f-point">貸款利率、貸款成數、額外負擔手續費用（如帳管費、鑑價費、開辦費、徵信費、手續費等），進行交叉評估</span>。而多數人會問「房貸開辦費是什麼」，這項費用是給承辦房貸銀行的費用，只會收取一次，各家銀行收取標準不同，建議申請房貸前先詢問清楚? </div> </div> <div class="elementor-element elementor-element-f987590 elementor-widget elementor-widget-text-editor" data-id="f987590" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 了解辦理房貸需負擔的各項手續費用後，在貸款成數方面，手頭上一定要有足夠的自備款，並保持優良的信用紀錄，與銀行維持良好往來，方能有機會爭取到較高的貸款條件? </div> </div> <div class="elementor-element elementor-element-660fcd6 elementor-widget elementor-widget-text-editor" data-id="660fcd6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>因此在選擇辦理房屋貸款的銀行之前，先了解辦理房貸可能產生的費用有哪些，並多詢問幾間銀行，避免產生看似搶到較低的房貸利率，卻被一些辦理房貸額外收取的手續費用墊高之疑慮，得不償失?/p> </div> </div> <div class="elementor-element elementor-element-ae4bfa3 elementor-widget elementor-widget-heading" data-id="ae4bfa3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">申請房貸所需費用有哪些？</h2> </div> </div> <div class="elementor-element elementor-element-77ac60d9 elementor-widget elementor-widget-text-editor" data-id="77ac60d9" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ol><li><strong>帳務管理費：</strong>包含每月簡訊通知、管理帳戶的費用，約2000元起跳，視各銀行而定?/li><li><strong>鑑價費：</strong>銀行要經過鑑價後，才能審核房貸成數，通常一般住宅鑑價費約數千元，店面鑑價費約數萬元?/li><li><strong>開辦費：</strong>銀行作為承辦貸款人的獎金，只會收取一次，價錢會根據不同方案而有所改變，大??500元?/li><li><strong>徵信作業手續費：</strong>2000?0000元不等，視各銀行而定?/li><li><strong>轉貸代償費：</strong>若前屋主有未繳清的貸款才會需要繳納，費用差距較大，須視各銀行而定，申貸前要詢問清楚?/li><li><strong>轉貸塗銷費：</strong>將原房貸轉到其他銀行時會收取的轉貸費用，大?200?500元，依據貸款需求評估?/li><li><strong>抵押權設定費?/strong>?a href="//danaherbertts.shop/identity-verification/">對保</a>簽約後，要去地政機關辦理不動產抵押權設定，費用為設定金額?/1000?/li><li><strong>代書費：</strong>由專業地政士（代書）協助辦理房貸申請流程的服務費，約2500?5000元不等?/li><li><strong>書狀費：</strong>屬於房貸政府規費，每?0元?/li><li><strong>謄本費：</strong>屬於房貸政府規費，每?0元?/li><li><strong>火險（住宅保險費）：</strong>屬於強制性保險，每年投保一次，依各保險公司費率計收，各家費用差不多，若提前償還貸款，可要求退還預繳之保險費?/li><li><strong>地震險（住宅保險費）?/strong>屬於強制性保險，每年投保一次，依目前費率每年保?350元，若提前償還貸款，可要求退還預繳之保險費?/li></ol> </div> </div> <div class="elementor-element elementor-element-6df1a5e elementor-widget elementor-widget-text-editor" data-id="6df1a5e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <b>?延伸閱讀 ?a href="//danaherbertts.shop/what-is-escrow/">代書日常大公開！您所不知道的工作內容及承辦項?/a></b> </div> </div> <div class="elementor-element elementor-element-14eae1f elementor-widget elementor-widget-image" data-id="14eae1f" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img decoding="async" width="800" height="639" src="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees.png" class="attachment-large size-large wp-image-34236" alt="申請房貸所需費用－大揚代? srcset="//danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees.png 1001w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees-300x240.png 300w, //danaherbertts.shop/wp-content/uploads/2021/08/mortgage_fees-768x614.png 768w" sizes="(max-width: 800px) 100vw, 800px" /> </div> </div> <div class="elementor-element elementor-element-ce7493d elementor-widget elementor-widget-heading" data-id="ce7493d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房貸方案中的總費用年百分率是什麼？</h2> </div> </div> <div class="elementor-element elementor-element-c0aafb6 elementor-widget elementor-widget-text-editor" data-id="c0aafb6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>總費用年百分率（<em><strong>APR，Annual Percentage Rate</strong></em>）意指包含計算一切申請房屋貸款的<strong>開辦?/strong>?strong>服務?/strong>?strong>徵信?/strong>?strong>利息支出</strong>等所有費用後所算出來的真實貸款年利率，也就是說，總費用年百分率就是貸款方案的總成本利率?/p> </div> </div> <div class="elementor-element elementor-element-c62b369 elementor-widget elementor-widget-text-editor" data-id="c62b369" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 計算方式?span class="f-point">總費用年百分率＝房貸利率＋申辦費?/span>，畢竟申請房貸時銀行會向申貸人收取上述各項林林總總的手續費，這些費用都應該列入房屋貸款的支出成本裡，不能只看房貸利率，因此申請時務必要把總費用年百分率納入房貸方案比較項目，才不會功敗垂成? </div> </div> <div class="elementor-element elementor-element-302aeb9 elementor-widget elementor-widget-heading" data-id="302aeb9" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">房屋買賣雙方應負擔費用有哪些?/h2> </div> </div> <div class="elementor-element elementor-element-78418223 elementor-widget elementor-widget-heading" data-id="78418223" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">買方</h3> </div> </div> <div class="elementor-element elementor-element-738dad81 elementor-widget elementor-widget-text-editor" data-id="738dad81" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><strong>買賣<a href="//www.etax.nat.gov.tw/etwmain/etw158w/53" target="_blank" rel="noopener">契稅</a>?/strong></li><li><strong><a href="//www.tntb.gov.tw/core/service/stamptax.php?lmenuid=61&smenuid=144" target="_blank" rel="noopener">印花?/a>?/strong></li><li><strong>地政規費?/strong></li><li><strong>土地及建物登記謄本費?/strong></li><li><strong>銀行貸款查詢費?/strong></li><li><strong>代書費，含過戶?a href="//danaherbertts.shop/superficies-registration/" target="_blank" rel="noopener">設定</a>及簽約金?/strong></li><li><strong>履約保證費?/strong></li></ul> </div> </div> <div class="elementor-element elementor-element-79c29ae6 elementor-widget elementor-widget-heading" data-id="79c29ae6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h3 class="elementor-heading-title elementor-size-default">賣方</h3> </div> </div> <div class="elementor-element elementor-element-5c949d6 elementor-widget elementor-widget-text-editor" data-id="5c949d6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul><li><a href="//www.etax.nat.gov.tw/etwmain/etw158w/51" target="_blank" rel="noopener">土地增值稅</a>?/li><li>交屋日前?a href="//www.tntb.gov.tw/showpage.php?lmenuid=4&smenuid=39&tmenuid=92&pagetype=0#top" target="_blank" rel="noopener">房屋?/a>?a href="//www.tntb.gov.tw/core/service/landtax.php?lmenuid=61&smenuid=150" target="_blank" rel="noopener">地價?/a>?/li><li>屋日前的水電、瓦斯、管理費?/li><li>代書費，過戶?a href="//danaherbertts.shop/mortgage-cancellation/" target="_blank" rel="noopener"><strong>塗銷</strong></a>及簽約金?/li><li>履保費?/li></ul> </div> </div> <div class="elementor-element elementor-element-5cfe9de2 elementor-widget elementor-widget-text-editor" data-id="5cfe9de2" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> 房屋稅及地價稅是以年度課稅，以交屋日為分界點，買賣雙方再按比例分擔，一般交屋日前的費用為賣方負擔，交屋日後的費用則由買方負擔，代書費為有請代書才需支付的費用? </div> </div> <div class="elementor-element elementor-element-4e634b83 elementor-widget elementor-widget-heading" data-id="4e634b83" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">關於房貸手續費比較要注意什麼？</h2> </div> </div> <div class="elementor-element elementor-element-4962dad elementor-widget elementor-widget-text-editor" data-id="4962dad" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>在申請房屋貸款前，不只要注意貸款總金額，一些內含的必要成本也要計算進去，同時也應該多家比較，例如房貸開辦費減免，並<span class="f-point">務必留意合約上的細節，在合約審閱期裡，建議找專業法律人士幫忙審閱，免得在日後產生糾紛?/span></p><ul><li><strong>每家銀行房貸手續費有哪些？收費金額標準不一，宜多方比較?/strong></li><li><strong>房貸利率低不一定如表面看起來那麼好?/strong></li><li><strong>注意合約內容，留意所有細項規範?/strong></li></ul><p>尤其是利率的部分，有些銀行在利率上會有階段性的調整，在貸款前期可能會是較低的利率，但到了中後期會依階段提高，因?span class="f-point">不要看利率低就急於申辦貸款，一定要把所有的條款看清?/span>?/p> </div> </div> <div class="elementor-element elementor-element-69c7034 elementor-widget elementor-widget-heading" data-id="69c7034" 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-edcafbe elementor-widget elementor-widget-text-editor" data-id="edcafbe" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>一般人在挑選房屋貸款銀行時，往往只比較各家利率後，選擇相對最低利率的銀行，其實市面上房貸專案種類繁多，利率不會相差太遠，有時甚至只有些微的差距。然而，可能影響房貸是否划算的因素卻不只房貸利率，貸款年限、寬限期、手續費、適用條件、房貸手續費比較等因素，都是在房貸銀行選擇上應一併納入考量的因素。若有任何關於房貸方案選擇的問題，歡?a href="//lihi3.cc/me7pL">免費來電</a><strong>大揚代書</strong>，我們能為您做最詳盡的諮詢及規劃，並進行房貸試算?/p> </div> </div> <section class="elementor-section elementor-inner-section elementor-element elementor-element-7f5a7a42 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="7f5a7a42" 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-2ebb998e" data-id="2ebb998e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7f19f96f elementor-widget elementor-widget-heading" 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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/mortgage-fee-compare/">房貸手續費比較：購屋前先?大重?/a> 最早出現於 <a href="//danaherbertts.shop">大揚代書</a>?/p> ]]></content:encoded> </item> </channel> </rss>