Tensions Escalate as Both Sides Aim for Strategic Strikes Against Key Infrastructure The already devastating conflict in Ukraine took an even darker turn this week as Russia unleashed a barrage of missile strikes against power plants across the country, triggering widespread blackouts. In a daring counter-move,...
Read more二胎房貸 作為許多屋主資金周轉的工具,常常伴隨各種疑問與不確定性。本文整理了申請過程中常見的問題與專業解答,幫助你更清楚掌握貸款細節,安心申貸。 問題1:二胎房貸與增貸有什麼不同? 解答: 二胎房貸是設定第二順位抵押權,與原第一順位房貸並存;增貸則是向原銀行申請增加第一順位貸款金額。利率、流程及風險均有所差異,選擇視個人狀況而定。 問題2:申請二胎房貸需要什麼資格? 解答: 基本資格包括擁有合法產權房屋、第一順位貸款尚未清償、房屋淨值充足、信用良好及穩定收入。 問題3:二胎房貸利率通常是多少? 解答: 二胎房貸利率高於第一順位貸款,一般約5%起,但依銀行及借款人信用條件有所不同。 問題4:申請二胎房貸流程繁瑣嗎? 解答: 流程較第一順位房貸複雜,需進行房屋鑑價及信用評估,但可利用 ibank.tw 一站式平台簡化比較與申請流程。 問題5:可以提前還款嗎?會有違約金嗎? 解答: 大部分銀行允許提前還款,但有些會收取違約金,需仔細閱讀合約條款。 問題6:如果逾期不還會怎樣?...
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