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2023 房屋貸款比較

Money101為你提供最新、最即時的房屋借貸資訊,包括台灣各家銀行房屋貸款方案、利率及利息試算、手續費等資訊,無論是房屋抵押貸款,還是增貸或轉貸,我們都能助你預計房貸金額與預估期限,同時輕鬆計算出每月最低還款金額,讓你快速比較各家銀行的房子貸款條件,讓買房變得更輕鬆。

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房屋貸款方案推薦

中國信託 房貸轉增貸

中國信託 房貸轉增貸

最低貸款利率

2.12
%

最高貸款額度

最高可達房屋鑑價價值85%起

手續費

NT $6,500元

優惠

貸款年利率2.12%起(機動計息),貸款額度最高可達房屋鑑價價值85%
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中國信託 公教優利房屋貸款

中國信託 公教優利房屋貸款

最低貸款利率

2.06
%

最高貸款額度

最高可達房屋鑑價價值85%起

手續費

NT $0元

優惠

貸款年利率2.06% (機動計息),免開辦費!
更多資訊
隱藏資訊
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彰化銀行 增優貸(線上房貸)

彰化銀行 增優貸(線上房貸)

最低貸款利率

2.13
%

最高貸款額度

最高可達房屋鑑價價值85%起

手續費

NT $3,300元
更多資訊
隱藏資訊
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彰化銀行 青年首次購屋優惠貸款

彰化銀行 青年首次購屋優惠貸款

最低貸款利率

1.565
%

最高貸款額度

1,000 萬

手續費

NT $5,300元起
更多資訊
隱藏資訊
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彰化銀行 公教人員房屋貸款

彰化銀行 公教人員房屋貸款

最低貸款利率

2.06
%

最高貸款額度

最高可達房屋鑑價價值85%起

手續費

NT $100元
更多資訊
隱藏資訊
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其他人也看了以下熱門最低利率貸款方案

最低貸款利率

手續費

參考核貸時間

最低每月還款額

渣打銀行 Money101 限定專案
渣打銀行 Money101 限定專案
0.01 %
NT$ 0

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NT$5,001
王道銀行 信貸優惠專案
王道銀行 信貸優惠專案
1.96 %
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NT$ 5,253
滙豐銀行 信用貸款
滙豐銀行 信用貸款
0.01 %
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NT$ 5,001
台北富邦 Money101限定專案
台北富邦 Money101限定專案
0.01 %
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最快30分鐘

NT$ 5,001
永豐銀行 數時貸
永豐銀行 數時貸
0.01 %
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樂天國際銀行 樂天貸(分期型) - 感謝祭
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凱基銀行 Money101限時專案
凱基銀行 Money101限時專案
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NT$ 5,001
台新銀行 Richart大口貸
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1. 比較貸款擁有 最短 2 個月至最長 7 年的各種貸款方案。
2. 比較項目中的利率,是採用銀行在該貸款方案中提供的最低利率;每月還款額則是以該利率計算出的還款額。請您注意,因銀行利率在還款前後期間有所不同,因此Money 101是以該貸款方案期間最低利率計算得出最低每月還款額。
3. 根據每個人的狀況不同,總費用年百分率可能從 1% 至 20% 不等。以下為借貸成本計算的參考案例:假設你貸一筆新台幣 300,000 元的款項,還款期為 60 個月,貸款利率前二期0.1%,第三期起2.99%~17.99%,帳戶管理費及票查費NT$3100~NT$6100,每月還款額為新台幣為5,013,而總費用年百分率則為3.22%~17.59%。

房屋貸款比較2023

房屋貸款銀行 房屋貸款產品 最低貸款利率 總費用年百分率 最低還款總額(本金攤還)
凱基銀行 指數型房貸-123自由選 1.54% 1.54% NT$11,625,360 元
渣打銀行 指數型房屋貸款 2.10% 2.13% NT$12,146,880 元
國泰世華 A+尊榮房屋貸款 1.61% 1.64% NT$11,736,240 元
滙豐銀行 一般型房貸 2.06% 2.10% NT$12,255,120 元
滙豐銀行 抵利型房貸 2.23% 2.10% NT$12,255,120 元
王道銀行 一般房貸 2.06% 2.02% NT$12,163,920元
台新銀行 購屋貸款 2.14% 2.11% NT$12,266,640元
永豐銀行 豐雲貸款 1.74% 1.77% NT$11,881,440元
新光銀行 輕鬆貸房屋貸款 1.76% 2.22% NT$12,392,880元
台北富邦 購屋房貸 2.17% 2.20% NT$12,369,840元
 
(以貸款金額10,000,000元 還款期240期為範例)

1. 比較貸款擁有 最短 2 個月至最長 7 年的各種貸款方案。
2. 比較項目中的利率,是採用銀行在該貸款方案中提供的最低利率;每月還款額則是以該利率計算出的還款額。請您注意,因銀行利率在還款前後期間有所不同,因此 Money 101是以該貸款方案期間最低利率計算得出最低每月還款額。
3. 根據每個人的狀況不同,總費用年百分率可能從 1% 至 20% 不等。以下為借貸成本計算的參考案例:假設你貸一筆新台幣 300,000 元的款項,還款期為 60 個月,貸款利率前二期 0.1%,第三期起2.99%~17.99%,帳戶管理費及票查費 NT$3100~NT$6100,每月還款額為新台幣為 5,013,而總費用年百分率則為 3.22%~17.59%。

 

房屋貸款資訊

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房屋貸款申請管道

一般而言,有幾個途徑可以申請房貸,包括:銀行、郵局、農會和壽險公司等。

公營銀行都是根據政府的政策來設計其貸款方案,通常提供的貸款額度比較高且利率較為有利,但貸款成數比較低。如果你和某家銀行有長期的交易來往,可以考慮直接向這家銀行申請貸款。如果你的信用良好,有可能會得到更優惠的貸款條件。此外,壽險公司也是一個申請房貸的選擇,如果你是他們的保戶,就有可能會獲得比較低的利率。

此外,房地產中介通常也會提供協助買家申請房貸的服務。由於他們和多家銀行有緊密的合作關係,往往可以為買家爭取到比較好的貸款條件。如果你是正在考慮購房,可以考慮聯繫住商不動產,並咨詢相關的貸款資訊。

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提高房屋貸款成數

想要爭取較高的房屋貸款成數,你可以參考以下3種方式:

  1. 財力證明
    如果你是上班族,建議提供薪資單或報稅單作為收入證明。若薪資較低,也可以提供自己或家人的資產證明來增加信用度,如:銀行存摺、定期存單、基金投資、不動產財產等等。
  2. 保證人
    目前銀行已不強制要求借款人必須提供保證人。但如果借款人自願提供保證人,銀行會根據保證人的還款能力進行評估,這可能有助於提高房屋貸款的成數。
  3. 擔保品
    若以其他不動產作為抵押品,抵押品的價值若較高,則有可能提高房屋貸款的成數。
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房屋貸款試算

一般在申請房貸時,需要計算每個月的負擔是否能承受,但光是聽到「每月還款額」、「利息試算」、「本息平均攤還」等已經感到頭痛,加上各家銀行的貸款利率都不一樣,想精準計算每月還款金額及總利息並不簡單。想輕鬆進行房屋貸款試算,你可利用Money101免費貸款試算工具,只要簡單輸入貸款金額、還款期(月)及利率,即可為你輕鬆計算出每月最低還款額、總還款額及總利息。

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房貸利率怎麼算?

如上所述,房貸還款主要分為「本金攤還」及「本息攤還」。「本金攤還」的話,每月固定還相同的本金,而利息則是按照剩餘本金x利率計算。本金高時,應付的利息也較多,但隨著本金越還越少,利息也會降低。另外,「本息攤還」就是將全部的本金、利息平均分攤在還款年限中,房貸利息試算可參考以下公式:月付金額一樣(本金 + 利息 = 固定金額)。隨著還款期數屆滿,本金與利息都會降低。

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首購貸款

首購房貸,即是青年安心成家購屋貸款,是目前市場房貸利率最優惠的方案。申辦者必須是成年人,不論是單身或已婚,貸款人及子女名下需要沒有買過房子,若曾經擁有房子但已售出或轉讓者也可以申請此貸款。根據財政部定案,青安房貸利率將維持於1.525%。現時全台有 8 家銀行與政府合作,分別是台銀、土銀、合庫、一銀、華南、彰銀、兆豐及中小企銀。想知道首購貸款試算及更多有關首購貸款的最新資訊,可詳細閱讀此文章:2023 青年首購安心成家優惠貸款申辦銀行、條件、一段式利率一次看

除此之外,申請房貸前您必須知道的事

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頭期款需要準備多少錢?

一般頭期款需準備2~3成,隨著物件座落地點和地段會有所不同。此外,房屋交易需要負擔仲介費、代書費、政府規費等等,再加上裝潢費大體上需要再多準備一成隱形成本。套房雖然總價比較低,但最高只能貸6成,因此頭期款金額不一定比較低。如果買的是預售屋,最初的頭期款平均只要負擔一成五,剩下的一成五則隨著工程進度支付。想知道頭期款試算及更多有關首購貸款的最新資訊,可詳細閱讀此文章:頭期款要準備多少錢?頭期款不夠怎麼辦?首購族必知的購屋策略

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房屋鑑價

房地鑑價,通常是由鑑價人員親自到場勘查,但在還沒確定成交之前,相關工作人員無法到場鑑價,建議可以先打電話跟銀行或透過email 或簡訊提供詳細資料作簡單諮詢估價。此外,也可以先申請物件謄本,提供詳細的物件資訊,也有助於銀行房貸人員正確評估。由於銀行的貸款成數核定,是由「實際成交價」與「銀行鑑價結果」取其低者,所以,物件的實際成交資訊,是銀行決定的另一個重要參數,建議購屋客如果已經簽約,當然可以直接提供合約價格給銀行;如果還沒有簽約,也可以告知「擬成交價」,讓鑑價人員參考。如果是買中古屋,建議盡量跟房貸銀行先進行討論,是否能做「房貸信貸」,簡而言之,就是直接拿房子再當抵押品的信貸。想知道房地鑑價相關資料,可詳細閱讀此文章:【買房須知】銀行鑑價低於成交價 導致房貸成數不足怎麼辦

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房屋抵押貸款

房屋抵押貸款即是將自己名下的房子,抵押給銀行、融資公司、貸款公司等從而取得資金,以房子作為抵押物擔保,一般而言,貸款利率也會較低。房屋抵押貸款有很多不同種類,如房屋融資貸款、理財型房貸、房屋增貸、房屋轉增貸、二胎房貸等,都屬於房屋抵押貸款。想知道房屋抵押貸款試算及更多相關資訊,可詳細閱讀此文章:房屋抵押貸款是什麼?可以貸到多少錢?銀行房屋抵押貸款利率比一比

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申請房貸需要哪些文件?

申請房貸通常需要下面這7項文件:

  1. 借款人及保證人的身分證影本
  2. 職業文件(如員工名片、識別證等)
  3. 所得證明(如扣繳憑單、薪轉存摺、銀行對帳單、營業人銷售額及稅額申報書等)
  4. 土地與建物謄本影本或不動產權狀
  5. 買賣契約書影本(適用購屋案件)
  6. 前貸銀行繳息記錄證明(適用轉貸案件)
  7. 若申請政策性房貸需檢附主管機關核發貸款利息補貼證明
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什麼是房貸寬限期?

貸款期限一般為20年或30年,拉長貸款年限能降低每月還款金額,增加每月可支配金額,但所支付的貸款利息相對也會增加,因此建議還是依你的資金規劃而決定。

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什麼是指數型房貸?

指數型房貸ARMs(Adjustable Rate Mortgages)是一種依據約定利率做為房貸訂價的基礎,也就是先訂定「指標利率」,做為調整房貸利率的標準,然後再「加減碼」的房屋貸款。玉山銀行的指標利率,是以國內十家銀行之「一年期定期儲蓄存款固定利率」平均值為基準,亦稱之為「定儲利率指數」。

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房屋估價公式是什麼?

不少人在買房時都希望先計算房屋的價格再決定,以免買貴屋。坊間有很多房屋估價的方式,以下是最簡單的公式。
房屋價格 = 土地價值 + 建物價值
但由於有很多因素都會影響房屋的價格,如屋齡、地段、樓層、房型、投報率及未來發展方向等,要自行估價會比較複雜,建議大家找合資格的估價師為你理想的家作最準確的估價,避免買貴屋的情況。

房屋貸款常見問題

申請房貸需要哪些文件?
通常需要下面這7項文件
  1. 借款人及保證人的身分證影本
  2. 職業文件(如員工名片、識別證等)
  3. 所得證明(如扣繳憑單、薪轉存摺、銀行對帳單、營業人銷售額及稅額申報書等)
  4. 土地與建物謄本影本或不動產權狀
  5. 買賣契約書影本(適用購屋案件)
  6. 前貸銀行繳息記錄證明(適用轉貸案件)
  7. 若申請政策性房貸需檢附主管機關核發貸款利息補貼證明
什麼是房貸寬限期?

寬限期內可以只還利息不還本金,所以可減輕借款初期的還款壓力,但是房貸本金就會擠壓在剩下的貸款期限內攤還,負擔因此增加。建議應衡量資金運用狀況,並計算寬限期滿之後月付金,留意還款能力,再評估是否選擇寬限期。

貸款期限通常幾年?期限越長越好嗎?

貸款期限一般為20年或30年,拉長貸款年限能降低每月還款金額,增加每月可支配金額,但所支付的貸款利息相對也會增加,因此建議還是依你的資金規劃而決定。

什麼是指數型房貸?

指數型房貸ARMs(Adjustable Rate Mortgages)是一種依據約定利率做為房貸訂價的基礎,也就是先訂定「指標利率」,做為調整房貸利率的標準,然後再「加減碼」的房屋貸款。玉山銀行的指標利率,是以國內十家銀行之「一年期定期儲蓄存款固定利率」平均值為基準,亦稱之為「定儲利率指數」。