lbkȫJurX򞡢I\LDx //danaherbertts.shop/taichung-mortgage-knowledge/ Fri, 27 Aug 2021 05:47:48 +0000 //danaherbertts.shop/?p=13561 台中房貸:銀行以外更佳的選擇?條件就能申請 和雙北或桃園地區相比,台中房價負擔相較之下沒那麼大,無論自住或投 […]

這篇文章 台中房貸:銀行以外更佳的選擇?條件就能申請 最早出現於 大揚代書?/p> ]]>

台中房貸:銀行以外更佳的選擇?條件就能申請

台中房貸:銀行以外更佳的選擇?條件就能申請 - 大揚代書

和雙北或桃園地區相比,台中房價負擔相較之下沒那麼大,無論自住或投資都會是很好的選擇,然而台中房貸應該怎麼申請才划算?哪種申請管道的可貸成數更高、方案更優惠呢?比銀行更棒的選擇本文一次告訴你?/p>

內容目錄

申請銀行台中房貸條件為何?

申請房貸想必大家一開始一定是想到銀行,但銀行貸款的審核條件一直都很嚴苛,本文?a href="//www.tcbbank.com.tw/PF/home_loans1.html" target="_blank" rel="noopener">台中銀行房?/a>為例,其房貸條件與購屋能力限制如下所列:

  • 借款人年?/li>
  • 借款人職?/li>
  • 房屋型態與屋?/li>
  • 房屋是否有附車位
  • 不動產權狀影本或謄本影?/li>
  • 借款人及保證人的身分證明文件、所得證明(如扣繳憑單、報稅證明、薪資單、薪轉存摺及主要往來銀行存摺等?/li>
除了以上條件,向銀行申請台中房貸成數最多只可貸到市?成,這還得在地點好、屋齡低、申貸人條件優秀的前提下,要是房屋位於較偏遠的地區,如海線的清水區、龍井區,和其他區域相較成數又會更低。另外要提醒你,在申請銀行房貸時,比起追求更高的房貸成數,也要兼顧生活品質?strong style="background: linear-gradient(rgba(0,0,0,0)40% ,#faf0e2 0);">每個月的房貸支出以不超過整個家庭月收入?5%為優?/strong>,否則有固定貸款年限的銀行房貸,到最後可能繳到你心累?

台中房貸除了銀行還有什麼選擇?

申請房屋貸款除了找銀行詢問,還可以另覓民間借貸管道,只要是合法的民間貸款公司,其實都能多看多比較。以下是銀行與民間貸款的差異:
項目 銀行台中房?/th> 民間台中房貸
貸款條件 ●年?8?5歲之國民
●有正當職業與穩定收?br> ●屋齡低、房屋產權完?br> ●信用狀況良好、無瑕疵?/td>
●年?8?5歲之國民,不限任何職?br> ●不限職業、不看收入條?br> ●不限屋齡、產權完整與?br> ●不看信用條件,瑕疵亦可
貸款利率 1. 分段式:?年最低+0.82%機動計息,第2年起最低+0.97%機動計息
2. 一段式:第1年起最低+0.96%機動計息
(依該行定儲利率指數加碼機動計息?
月利?.6%?br>(依個人申貸條件而定?/td>
貸款成數 視房屋鑑價而定,最高可貸至8?/td> 依房屋市值估價為準,
條件優良者最高可達市值之9成以?/td>
貸款期限 依該行相關規定辦?/td> 不須綁約,隨借隨?/td>
還款方式 本利攤還/按月繳?/td> 本利攤還/按月繳?/td>
辦理時間 須耗費7?5個工作天 1?個工作天即可完成,最快可當日撥款

若想知道台中銀行貸款評價如何,也可以在網路上搜尋其他網友的評論哦!

?延伸閱讀 ?a href="//danaherbertts.shop/taichung-mortgage/" target="_blank" rel="noopener">民間台中房屋貸款是銀行以外的最佳選擇!

民間台中房貸特色有哪些?

每次申請銀行貸款總是膽戰心驚,等待審核的煎熬過程讓你很不自在嗎?那麼台中民間房貸也是另一種選擇喔!不僅條件寬鬆,還具備許多銀行沒有的特色和優點:

  • 年滿18?5?/li>
  • 不看信用與收入條?/li>
  • 房貸成數可達市價9?/li>
  • 房貸利率0.6%起,且不綁約
  • 審核撥款比銀行快,最快當日可撥款
  • 資金用途靈活,可協助貸款人整合負債
  • 不限房屋型態與屋齡,持分房屋也可辦理
民間房貸7大特色-大揚代書

民間台中房貸申請文件

  • 雙證?/li>
  • 戶籍謄本
  • 土地及建物所有權狀
  • 房貸近一年繳款明?/li>
  • 收入或在職證明(加分條件?/li>

民間台中房貸申請流程

  1. 申請?/strong>歡迎來電大揚代書?a href="//danaherbertts.shop/#Online" target="_blank" rel="noopener">填寫線上表單,我們會在上班時間立刻接洽?/li>
  2. 估價?/strong>根據申貸人提供房屋的屋況、市價?a href="//lvr.land.moi.gov.tw/" target="_blank" rel="noopener">實價登錄?a href="//www.land.moi.gov.tw/chhtml/landvalue/42" target="_blank" rel="noopener">公告現?/a>等,由專員進行房貸條件查詢,並做成鑑價報告?/li>
  3. 審核?/strong>根據鑑價報告,評估房貸成數、房貸利率?/li>
  4. 對保?/strong>專業代書和申貸人當面對保、核對方案內容,並進行簽約流程?/li>
  5. 設定?/strong>雙方至地政事務所辦理抵押權設定?/li>
  6. 撥款?/strong>上述流程完成後,最?天內撥款至申貸人指定帳戶?/li>
土地貸款流程?- 大揚代書

台中房貸常見問題

台中房貸問題就找大揚代書

台中建設與交通日漸發達,已有多項公共建設進行中,現在不在台中置產更待何時?希望這篇文章的介紹能讓你對台中房貸成數、房貸利率、房貸試算等所有問題都茅塞頓開,申貸更得心應手。有任何台中房貸問題都歡迎來大揚代書詢問,我們有最專業的專員提供一對一的熱心服務,只要在台中有房產都歡迎你來申請!

大揚代書24H免費諮詢

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>

這篇文章 台中房貸:銀行以外更佳的選擇?條件就能申請 最早出現於 大揚代書?/p> ]]> 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">首購房貸試算</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" data-id="7f19f96f" 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-35ccbad8 elementor-widget elementor-widget-text-editor" data-id="35ccbad8" 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-47ff4d9d" data-id="47ff4d9d" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-43ce68d elementor-shape-square elementor-grid-mobile-0 elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons" data-id="43ce68d" 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" href="tel:0800-885-697" target="_blank"> <span class="elementor-screen-only">Phone-alt</span> <i class="fas fa-phone-alt"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-envelope elementor-animation-shrink elementor-repeater-item-09c7b15" href="//danaherbertts.shop/contact/#online"> <span class="elementor-screen-only">Envelope</span> <i class="fas fa-envelope"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-line elementor-animation-shrink elementor-repeater-item-73f8653" href="//line.me/R/ti/p/@bigyang" target="_blank"> <span class="elementor-screen-only">Line</span> <i class="fab fa-line"></i> </a> </span> <span class="elementor-grid-item"> <a class="elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-animation-shrink elementor-repeater-item-7923573" href="//www.facebook.com/%E5%A4%A7%E6%8F%9A%E5%9C%B0%E6%94%BF%E5%A3%AB%E4%BA%8B%E5%8B%99%E6%89%80-263936910644467" target="_blank"> <span class="elementor-screen-only">Facebook-f</span> <i class="fab fa-facebook-f"></i> </a> </span> </div> </div> </div> </div> </div> </div> </section> </div> </div> <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a17bef0" data-id="5a17bef0" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-4d0af3c4 hfe-search-layout-icon_text elementor-widget elementor-widget-hfe-search-button" data-id="4d0af3c4" data-element_type="widget" data-settings="{"size":{"unit":"px","size":50,"sizes":[]},"size_tablet":{"unit":"px","size":"","sizes":[]},"size_mobile":{"unit":"px","size":"","sizes":[]},"icon_size":{"unit":"px","size":"16","sizes":[]},"icon_size_tablet":{"unit":"px","size":"","sizes":[]},"icon_size_mobile":{"unit":"px","size":"","sizes":[]},"button_width":{"unit":"px","size":"","sizes":[]},"button_width_tablet":{"unit":"px","size":"","sizes":[]},"button_width_mobile":{"unit":"px","size":"","sizes":[]},"close_icon_size":{"unit":"px","size":"20","sizes":[]},"close_icon_size_tablet":{"unit":"px","size":"","sizes":[]},"close_icon_size_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="hfe-search-button.default"> <div class="elementor-widget-container"> <form class="hfe-search-button-wrapper" role="search" action="//danaherbertts.shop/" method="get"> <div class="hfe-search-form__container" role="tablist"> <input placeholder="要找什麼服務?" class="hfe-search-form__input" type="search" name="s" title="Search" value=""> <button id="clear-with-button" type="reset"> <i class="fas fa-times" aria-hidden="true"></i> </button> <button class="hfe-search-submit" type="submit"> <i class="fas fa-search" aria-hidden="true"></i> </button> </div> </form> </div> </div> <div class="elementor-element elementor-element-35eef080 elementor-widget elementor-widget-wp-widget-recent-posts" data-id="35eef080" data-element_type="widget" id="Sidebar" data-widget_type="wp-widget-recent-posts.default"> <div class="elementor-widget-container"> <h5>最新文?/h5> <ul> <li> <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> </li> <li> <a href="//danaherbertts.shop/court-notarize/">【法院公證須知】辦理流程、費用看這篇就懂?/a> </li> <li> <a href="//danaherbertts.shop/buy-and-sell-house-step/">房屋買賣流程4步驟!一篇為你詳細說?/a> </li> <li> <a href="//danaherbertts.shop/store-loan/">店面貸款如何申請?要點幫助你申貸及投資更順?/a> </li> <li> <a href="//danaherbertts.shop/stock-replace-pay/">股票代墊怎麼辦理?一篇條件、流程帶你取得資?/a> </li> <li> <a href="//danaherbertts.shop/credit-guarantee-fund/">信保基金是什麼?你絕不可錯過的申請須知快來看?/a> </li> </ul> </div> </div> <div class="elementor-element elementor-element-6ebce5c elementor-widget elementor-widget-heading" data-id="6ebce5c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-default">追蹤粉絲專頁獲得最新資?/h5> </div> </div> <div class="elementor-element elementor-element-9f15557 elementor-widget elementor-widget-facebook-page" data-id="9f15557" data-element_type="widget" data-widget_type="facebook-page.default"> <div class="elementor-widget-container"> <div class="elementor-facebook-widget fb-page" data-href="//www.facebook.com/profile.php?id=100063756952206" data-tabs="timeline" data-height="300px" data-width="500px" data-small-header="false" data-hide-cover="false" data-show-facepile="true" data-hide-cta="false" style="min-height: 1px;height:300px"></div> </div> </div> <div class="elementor-element elementor-element-d76d495 elementor-widget elementor-widget-heading" data-id="d76d495" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h5 class="elementor-heading-title elementor-size-large">精選文章</h5> </div> </div> <div class="elementor-element elementor-element-91b5e3a elementor-widget elementor-widget-text-editor" data-id="91b5e3a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <ul class="slider-a"><li><a href="//danaherbertts.shop/taichung-second-mortgage/">台中二胎房貸?分鐘學會活化房產讓資金入?/a></li><li><a href="//danaherbertts.shop/kaohsiung-house-second-mortgage/">高雄房屋二胎怎麼貸最划算?招取得優惠利率!</a></li><li><a href="//danaherbertts.shop/new-taipei-second/">新北二胎怎麼貸?超完整介紹讓你申貸無煩惱</a></li><li><a href="//danaherbertts.shop/taipei-house-land-mortgage/">台北房地二胎申辦超簡單!6步驟就能取得資金?/a></li><li><a href="//danaherbertts.shop/tainan-mortgage-knowledge/">台南房貸3分鐘解析!古都置產不是夢?/a></li><li><a href="//danaherbertts.shop/taoyuan-farmland-loan/">桃園農地貸款只要找對申貸管道,再也不怕被拒貸?/a></li></ul> </div> </div> <div class="elementor-element elementor-element-2c3c4489 elementor-widget elementor-widget-wp-widget-categories" data-id="2c3c4489" data-element_type="widget" id="Sidebar" data-widget_type="wp-widget-categories.default"> <div class="elementor-widget-container"> <h5>文章分類</h5> <ul> <li class="cat-item cat-item-8"><a href="//danaherbertts.shop/category/escrow-business-area/">代書業務</a> </li> <li class="cat-item cat-item-4711"><a href="//danaherbertts.shop/category/share-loan/">案例分享</a> <ul class='children'> <li class="cat-item cat-item-4672"><a href="//danaherbertts.shop/category/share-loan/central-area-cases/">中部案例</a> </li> <li class="cat-item cat-item-4671"><a href="//danaherbertts.shop/category/share-loan/northern-area-cases/">北部案例</a> </li> <li class="cat-item cat-item-4673"><a href="//danaherbertts.shop/category/share-loan/southern-area-cases/">南部案例</a> </li> <li class="cat-item cat-item-4674"><a href="//danaherbertts.shop/category/share-loan/eastern-area-cases/">東部案例</a> </li> <li class="cat-item cat-item-4675"><a href="//danaherbertts.shop/category/share-loan/offshore-islands-cases/">離島案例</a> </li> </ul> </li> <li class="cat-item cat-item-3771"><a href="//danaherbertts.shop/category/law-knowledge-area/">法律知識</a> </li> <li class="cat-item cat-item-4713"><a href="//danaherbertts.shop/category/financial-knowledge/">認識理財</a> <ul class='children'> <li class="cat-item cat-item-4610"><a href="//danaherbertts.shop/category/financial-knowledge/house-knowledge/">房產知識</a> </li> <li class="cat-item cat-item-2992"><a href="//danaherbertts.shop/category/financial-knowledge/topical-fields/">時事話題</a> </li> <li class="cat-item cat-item-4611"><a href="//danaherbertts.shop/category/financial-knowledge/daily-money-management/">生活理財</a> </li> <li class="cat-item cat-item-4609"><a href="//danaherbertts.shop/category/financial-knowledge/apply-loan-notice/">申貸須知</a> </li> </ul> </li> <li class="cat-item cat-item-4712"><a href="//danaherbertts.shop/category/loan-guide/">貸款指南</a> <ul class='children'> <li class="cat-item cat-item-6"><a href="//danaherbertts.shop/category/loan-guide/personal-credit-loan-area/">個人信貸</a> </li> <li class="cat-item cat-item-1959"><a href="//danaherbertts.shop/category/loan-guide/other-loan-area/">其他貸款</a> </li> <li class="cat-item cat-item-2310"><a href="//danaherbertts.shop/category/loan-guide/movable-property-loan-area/">動產貸款</a> </li> <li class="cat-item cat-item-456"><a href="//danaherbertts.shop/category/loan-guide/land-loan-area/">土地貸款</a> </li> <li class="cat-item cat-item-4"><a href="//danaherbertts.shop/category/loan-guide/house-loan-area/">房屋貸款</a> </li> <li class="cat-item cat-item-5"><a href="//danaherbertts.shop/category/loan-guide/civil-servants-loan-area/">軍公教貸?/a> </li> <li class="cat-item cat-item-7"><a 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>