中國信託 房貸轉增貸
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最後更新於2023年10月19日
無論是首購族購屋,還是想為老屋修繕,都需要一筆資金解決家具和裝潢需求。其實最直接的方式就是向銀行申請裝潢貸款,但需要提供相關證明。除了銀行方案外,政府也有「住宅修繕貸款」供民眾申請,不過又是需要符合指定條件才能申請。另外,如果這些方案都不符合資格,可以申請房屋轉增貸、信用貸款來填補資金缺口。想到PPT了解更多有裝潢貸款及老屋修繕貸款的資訊,但資料散亂。有見及此,Money101為你整理出房屋裝潢貸款及修繕貸款懶人包及推薦貸款,讓你快速掌握裝潢貸款的資訊,不論是青年裝潢貸款還是老屋翻新裝潢貸款都沒有問題。
最低每月還款額 |
最低貸款利率 |
最低總費用年百分率 |
手續費 |
||
---|---|---|---|---|---|
![]() 中國信託 房貸轉增貸
|
37,565元
|
2.12
%
|
2.17%
|
NT$
6,500
|
|
![]() 中國信託 公教優利房屋貸款
|
37,263元
|
2.06
%
|
2.06%
|
NT$
0
|
|
不論是買新屋裝潢還是老屋翻新,或是單純局部翻新,隨便都要動輒數十萬元。想要補足這塊金錢缺口,靠的就是裝潢貸款。裝潢貸款資金來源分成四種。
閱讀更多:【內政部房屋修繕住宅貸款懶人包】
銀行裝潢貸款其實就是信用貸款的一種,是銀行為了支持客戶進行房屋裝潢或翻新的需求所提供的貸款服務,因此又稱裝修貸款。各家銀行提供的貸款額度不同,目前台灣分別有5家銀行推出裝潢修繕貸款:富邦、玉山、遠東、土地、凱基銀行,多以房屋鑑價的結果,來決定裝潢貸款額度。各家銀行裝潢貸款方案差異較大,詳細內容可參閱下方表格:
銀行裝潢貸款比較 |
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裝潢貸款銀行 | 利率 | 額度 | 貸款期限 | 手續費 |
富邦銀行 裝潢金房貸 |
目前為2.45%起機動計息 (指數利率一段式I+0.86%) |
裝潢金最高 本行鑑價金額X5% |
最長 20 年 | 5,000元 |
玉山銀行 裝修房屋 |
前 3 個月 1.88%~5.88% 第 4 個月起 5.88%~14.88% |
最高 250 萬元 | 最長 7 年 | 5,000元 |
遠東銀行 新省息時貸 |
依本行定儲指數利率 加碼浮動計息 |
依銀行鑑價 | 20 年為原則 最長不逾 30 年 |
5,000元 |
土地銀行 一般修繕貸款 |
目前為2.45%~3.75% 依本行公告「指數型房貸指標利率」(月調)加0.86~2.16%起 |
200 萬元 | 20年 | 5,300-5,600 元 |
凱基銀行 加值金貸款 |
2.41%起
|
貸款金額5% | 最長15年 | 5,000元 |
資料更新時間:2023/04/27 | ||||
製表:Money101 |
以下將以富邦銀行為例,對比裝潢貸款、內政部房屋修繕貸款、房屋轉增貸及一般信貸的貸款額度、年限、利率及手續費等資訊。
貸款 | 富邦裝潢金房貸 | 內政部自購及修繕住宅貸款 | 富邦理財家分期型房貸 | 富邦上班族信貸 |
對象 | 需要為新購屋裝潢或翻修房子的人士 | 經直轄市、縣主管機關審查核定符合規定條件並發予「自購住宅貸款利息補貼證明」或「修繕住宅貸款利息補貼證明」,且並未超逾規定的申貸及撥款期限者 | 想透過原屋貸款、轉貸或增貸獲得資金,滿足房屋修繕及其他需求的人士 | 20~60歲信用良好之上班族 |
貸款額度 | 最高富邦銀行鑑價金額X5% |
|
最高依富邦銀行鑑價金額之80% | 最高300萬 |
貸款利率 | 目前為2.45%起機動計息 (指數利率一段式I+0.86%) |
|
目前為2.50%起機動計息 (指數利率一段式I+0.91%) |
目前為3.88%~14.98% 優惠年利率I+2.29%~13.39%即時機動計息 |
貸款期限 | 最長20年 |
|
最長20年 |
最長7年 |
帳戶管理費 | 5,000元 | 5,000元 | 5,000元 | 9,000元 |
資料更新時間:2023/04/27 | ||||
製表:Money101 |
房屋的裝潢費用,根據房屋結構、自身需求、施工材質用料有所不同。不過可依下列數字,粗估單坪所需費用。
銀行裝潢貸款的門檻不太高,只要是年滿20歲、是中華民國國民、有工作及財力證明及有良好的個人信用記錄、房屋土地所有權狀,即可申請。另外,有些銀行需要提供工程修繕合約及施工前房屋室內照片。
裝潢貸款申請方式一般可透過親身到銀行櫃台或銀行網站提出申請,並提交所需的資料即可。接著銀行照會、進行內部審核,通過審核後進行對保,申請便完成。
貸款期限方面,一般銀行都是7至10年,有些銀行是最長20年,通常是綁約制,合約綁約期限大多是1至2年。至於利率,各銀行都有所不同,利率約在房貸與信貸之間,額度和年限各家銀行方案差異較大。但在評估信貸的利率時,還是要看APR(總費用年百分率),而裝潢信用貸款,總費用年百分率大概是在3.7~15%左右。
例如房屋鑑價若為 1000 萬,貸款額度為 10%,則可申請 100 萬的裝潢貸款。而銀行的裝潢貸款平均還款期限約在 20 年左右。如裝潢貸款為75萬元,每月只需多付約3,909 元。(貸款試算:裝潢金90萬元、貸款期限20年、貸款利率2.32%)
其實有部份申請裝潢貸款的需求,主要是因為自備款不足。假如手中已有房產,而且房貸繳納正常且房價有增值的情況下,申請房屋轉增貸會更為合適,詳細內容可參考【房貸變成活資產!轉貸、轉增貸是什麼?利率多少?如何申請?】。倘若不符合增轉貸資格,也無法提出裝潢修繕相關證明文件,其實還是可以透過信用貸款來補足資金缺口。最新信用貸款方案如下:
精選熱門貸款推薦 |
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貸款產品 | 最低總費用年百分率 | 手續費 |
台北富邦 Money101限定專案![]() |
2.5% | 0元 |
🌟市場最佳優惠🌟 渣打銀行 Money101 限定專案 ![]() |
2.9% | 0元 |
🎁申請優惠:即日起至12/31,透過Money101官網或指定活動頁面連結至渣打銀行申貸平台,成功撥貸(須於2024/1/31前完成撥貸)且連續正常繳款達三個月(含)以上且未提前清償者: 👉撥款金額30萬以上享「宜睿3,000元多選一福利即享券」 👉撥款金額100 萬以上享 「宜睿6,000元多選一福利即享券」或「Apple Airpods Pro 2」二選一 👉他行轉貸再另享「宜睿1,000元多選一福利即享券」 |
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樂天銀行 樂天貸(分期型)![]() |
1.95% | 168元 |
🎁申請優惠:即日起至12/20,未持有樂天國際銀行存款帳戶及貸款帳戶之新戶,透過Money101申請頁面並輸入推薦碼「MONEY666」,成功申貸並正常繳款達三個月(含)以上且未提前清償者(須於2023/12/31前完成撥貸) ,享 Money101會員限定好禮「現金回饋NT$2,000元」 | ||
凱基銀行 Money101限時專案 ![]() |
1.91% | 0元 |
中國信託 Online貸![]() |
3.21% | 3,000元 |
🎁申請優惠:即日起至12/31(含),透過Money101官網成功撥貸(須於2024/1/31前完成撥貸)且撥款金額達50萬(含)以上並符合資格者,享 Money101會員限定好禮「LaPO無線充行動電源」,申貸就抽NT18,888元家樂福禮物卡,線上自行完成申請+撥款再抽NT9,000元 | ||
滙豐銀行 信用貸款![]() |
2.46% | 0元 |
元大銀行 Money101限定圓夢方案![]() |
2.3% | 1元 |
🎁申請優惠:正常繳款三個月即贈1,000宜睿福利即享券 | ||
永豐銀行 數時貸![]() |
2.19% | 0元 |
王道銀行 信貸優惠專案![]() |
1.96% | 0元 |
永豐銀行 軍公教貸![]() |
2.07% | 0元 |
遠東商銀 Online隨時貸信貸![]() |
2.1% | 0元 |
台新銀行 大口貸![]() |
1.85% | 0元 |
製表:Money101 |
不符合補助資格或找不到理想貸款方案嗎?建議大家可以參考貸款商品中的「總費用年百分率」,總費用年百分率英文縮寫為 APR,是將貸款所有需繳交的費用加總計算後所得出的百分率。這項數值可以真實反應貸款的「實際負擔」。我們也在下方整理出幾個低總費用年百分率貸款方案,供大家參考:
低 APR (總費用年百分率) 貸款推薦 |
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貸款產品 | 最低APR | 年利率 |
凱基銀行 Money101限時專案 ![]() |
1.91% | 0.01%起 |
樂天銀行 樂天貸![]() |
1.95% | 1.95%起 |
王道銀行 信貸優惠專案![]() |
1.96% | 1.88%起 |
永豐銀行 醫護貸![]() |
1.97% | 1.97%起 |
永豐銀行 軍公教貸![]() |
2.07% | 2.07%起 |
遠東商銀 Online隨時貸信貸![]() |
2.1% | 2.1%起 |
永豐銀行 數時貸![]() |
2.19% | 0.01%起 |
元大銀行 Money101限定圓夢方案![]() |
2.3% | 0.1%起 |
滙豐銀行 信用貸款![]() |
2.46% | 0.01%起 |
富邦銀行 Money101限定專案![]() |
2.49% | 0.01%起 |
渣打銀行 Money101 限定專案![]() |
2.9% | 0.01%起 |
中國信託 Online貸![]() |
3.21% | 0.01%起 |
製表:Money101 |
{"__typename":"PersonalLoan","applicationProcess":[],"apr":null,"comparables":[{"__typename":"CompareElementWithSubValue","description":"","displayValue":"2.12","prefix":"","sortValue":2120,"suffix":"%","title":{"display":"最低貸款利率","key":"INTEREST_RATE_WITH_APR"},"tooltip":null},{"__typename":"CompareElementSimple","description":"","displayValue":"6,500","prefix":"NT$","sortValue":6500000,"suffix":"","title":{"display":"手續費","key":"HANDLING_FEES"},"tooltip":null},{"__typename":"CompareElementSimple","description":"","displayValue":"51,159","prefix":"NT$","sortValue":51158608,"suffix":"","title":{"display":"最低每月還款額","key":"REPAYMENT"},"tooltip":null}],"ctaButton":{"isNoDealCTA":false,"label":"立即申請","link":{"linkClass":"EXTERNAL","url":"https://www.money101.com.tw/api/redirect?dest=eyJraWQiOiJTNzhWZklaZF9rcVd0V1YxUmtBbEs2QnUtY1dkMS1RU2Znc3FKaW1pSmxjIiwiYWxnIjoiRWREU0EifQ.CAEawAFodHRwczovL2FkLmRvdWJsZWNsaWNrLm5ldC9kZG0vdHJhY2tjbGsvTjE5NTAwMi4yMTM4MzAzTU9ORVkxMDEuQ09NLlRXL0I5OTY2NDQ3LjEzOTM3OTcxMztkY190cmtfYWlkPTUzNDc0Mjk3MjtkY190cmtfY2lkPTcxOTQ3ODQzO2RjX2xhdD07ZGNfcmRpZD07dGFnX2Zvcl9jaGlsZF9kaXJlY3RlZF90cmVhdG1lbnQ9O3RmdWE9O2x0ZD0.yTGwat6PPYI5A_HQBERPKJlAq1ynH2Nhsp48WN6cXki_Rk9uOFPYpjyNdgbt9kTUqqASYZm58LI9sbrAtVubBA"},"show":true},"description":{"shortDescription":[]},"disclaimer":null,"eligibility":[],"enableCountdown":false,"enableFlipBanner":false,"featured":true,"features":{"cons":["身份條件:1. 他行房貸戶 2. 以房屋為擔保品並設定中國信託銀行為第一順位抵押權人"],"pros":["活動期間:即日起~2023.12.31","貸款年利率:2.12%起(機動計息)","開辦費:6,500元、代償費:2,000元","貸款額度:最高可達房屋鑑價價值85%","貸款期間:最長30年(非購屋目的最長20年)","即刻預約免費房貸健診,專人快速聯絡"],"title":"Features"},"functional":{"defaults":{"loanAmount":300000,"loanTenure":84},"fees":[],"metaData":{"alias":"中國信託房貸轉增貸"},"rateTableEntries":[{"apr":2.12,"eir":null,"fees":[{"description":{"longDescription":"","shortDescription":"","tooltip":""},"type":{"display":"開辦費","key":"PL_HANDLING_FEE"},"value":"6500"}],"interestRate":2.12,"loanAmountMax":5.0E7,"loanAmountMin":0.0,"loanTenureMax":360,"loanTenureMin":12}]},"id":"blt3c2b4eb1eb920bfe_16_zh-tw","image":{"description":"TODO","dimension":null,"url":"https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blt3a9375de2a3eb13b/637734165834861044c1f9a2/AnyConv.com_台灣中英文組合(綠底白底)-01.webp"},"imageOrientation":"LANDSCAPE","interestRate":null,"monthlyRepayment":null,"needCategories":[],"offers":null,"offersFaq":null,"productName":"中國信託 房貸轉增貸","promotional":{"bannerImage":null,"bannerText":"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%","countdown":{"date":{"endDate":null,"startDate":null},"displayProductPage":false,"text":""},"flipBanner":{"date":{"endDate":null,"startDate":null},"imageForDesktop":null,"imageForMobile":null,"period":1,"timeDelay":0},"type":[{"display":"優惠","key":"EXCLUSIVE"}]},"provider":{"alias":"中國信託","providerName":"中國信託"},"rawFunctionalPl":{"defaults":{"loanAmount":300000,"loanTenure":84},"fees":[],"interestRateInterval":"YEARLY","loanType":"PRINCIPAL_REDUCING","paymentInterval":"MONTHLY","rateTableEntries":[{"apr":2.12,"eir":null,"fees":[{"calculationMethod":"FIXED","description":{"longDescription":"","shortDescription":"","tooltip":""},"feeInterval":"ONCE","paymentMethod":"IGNORE","type":{"display":"開辦費","key":"PL_HANDLING_FEE"},"value":6500}],"interestRate":2.12,"loanAmountMax":5.0E7,"loanAmountMin":0.0,"loanTenureMax":360,"loanTenureMin":12,"transferRate":null}],"repayment":{"minimumRepaymentFixed":null,"minimumRepaymentPercentage":null}},"requirements":{"applicationConfirmationEmail":"","businessPriority":false,"citizenship":[],"criteriaDetails":[],"eligibleOccupations":[],"employmentType":null,"productPrescore":0.0},"termsAndConditions":"1. 如實際資金用途屬「中央銀行對金融機構辦理不動產抵押貸款業務規定」或中國信託銀行定義「投資客」控管範圍者,不適用本專案條件,詳洽中國信託銀行貸款專員。\n
\n2. 詳細承作對象、承作條件、不同用途個別貸款規格等,請洽中國信託銀行貸款專員或各營業分行。\n
\n3. 借款人若提前全部清償且要求領取清償證明或塗銷擔保品抵押權時,中國信託銀行收取提前清償違約金:自撥貸日起12個月以內,按提前償還本金之1%計付違約金。第13~24個月提前清償計收0.75%之違約金。第25~36個月提前清償計收0.5%之違約金。詳依「借據暨約定書」規定辦理。\n
\n4. 利率係按中國信託銀行ARMs定儲利率指數加碼機動調整。總費用年百分率2.17%起,總費用年百分率係以貸款金額200萬元,貸款期間20年,貸款年利率2.12%起(機動計息),開辦費6,500元、代償費2,000元計算而得;計算基準日為2023.4.24。
\n5.最低每月還款金額係以貸款金額1000萬元,貸款期間20年,貸款利率2.12%計算而得\n
\n6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。\n
\n7. 上述機動計息係指定儲利率指數(月)加碼機動調整,定儲利率訂價指數係參考臺銀、合庫、土銀、一銀、彰銀、華銀、臺灣企銀、國泰世華、兆豐國際商銀、台北富邦等十家本國銀行之一年期固定利率定儲平均利率為訂價指數,每次取樣時,排除最高及最低各兩家銀行,以剩餘之六家銀行為取樣銀行,指數調整頻率為每月定期調整一次,其生效日各為每月23日。如生效日遇假日以次一營業日為生效日。詳依「個金擔保貸款總約定書」、「借據暨約定書」之約定。\n
\n8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。\n
\n9..提醒您,中國信託銀行無任何委外行銷或代辦單位,消費者如有貸款需求宜透過銀行洽詢,確保自身權益受到相關金融法規保護,請勿透過代辦公司申辦。購置不動產時,請審慎斟酌自身不動產需求與財務負擔能力,避免受第三人之不當勸誘而損害自身權益。\n
\n10. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。\n
\n11. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。\n
\n12. 以上廣宣內容及注意事項皆以新臺幣計算。\n","title":"TW.ML.CTBC0004.中國信託 房貸轉增貸","totalRepayment":null}
(SizeLimitingPyMap: {__typename=PersonalLoan, id=blt3c2b4eb1eb920bfe_16_zh-tw, image={url=https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blt3a9375de2a3eb13b/637734165834861044c1f9a2/AnyConv.com_台灣中英文組合(綠底白底)-01.webp, description=TODO, dimension=null}, featured=true, imageOrientation=LANDSCAPE, promotional={bannerText=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%, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=優惠}]}, comparables=[{__typename=CompareElementWithSubValue, title={key=INTEREST_RATE_WITH_APR, display=最低貸款利率}, sortValue=2120, displayValue=2.12, tooltip=null, description=, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=HANDLING_FEES, display=手續費}, sortValue=6500000, displayValue=6,500, tooltip=null, description=, prefix=NT$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=最低每月還款額}, sortValue=51158608, displayValue=51,159, tooltip=null, description=, prefix=NT$, suffix=}], ctaButton={label=立即申請, link={url=https://www.money101.com.tw/api/redirect?dest=eyJraWQiOiJTNzhWZklaZF9rcVd0V1YxUmtBbEs2QnUtY1dkMS1RU2Znc3FKaW1pSmxjIiwiYWxnIjoiRWREU0EifQ.CAEawAFodHRwczovL2FkLmRvdWJsZWNsaWNrLm5ldC9kZG0vdHJhY2tjbGsvTjE5NTAwMi4yMTM4MzAzTU9ORVkxMDEuQ09NLlRXL0I5OTY2NDQ3LjEzOTM3OTcxMztkY190cmtfYWlkPTUzNDc0Mjk3MjtkY190cmtfY2lkPTcxOTQ3ODQzO2RjX2xhdD07ZGNfcmRpZD07dGFnX2Zvcl9jaGlsZF9kaXJlY3RlZF90cmVhdG1lbnQ9O3RmdWE9O2x0ZD0.yTGwat6PPYI5A_HQBERPKJlAq1ynH2Nhsp48WN6cXki_Rk9uOFPYpjyNdgbt9kTUqqASYZm58LI9sbrAtVubBA, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=中國信託房貸轉增貸}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=360, loanAmountMin=0.0, loanAmountMax=5.0E7, apr=2.12, eir=null, interestRate=2.12, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, value=6500, description={shortDescription=, longDescription=, tooltip=}}]}], fees=[], defaults={loanTenure=84, loanAmount=300000}}, provider={alias=中國信託, providerName=中國信託}, description={shortDescription=[]}, productName=中國信託 房貸轉增貸, title=TW.ML.CTBC0004.中國信託 房貸轉增貸, features={title=Features, pros=[活動期間:即日起~2023.12.31, 貸款年利率:2.12%起(機動計息), 開辦費:6,500元、代償費:2,000元, 貸款額度:最高可達房屋鑑價價值85%, 貸款期間:最長30年(非購屋目的最長20年), 即刻預約免費房貸健診,專人快速聯絡], cons=[身份條件:1. 他行房貸戶 2. 以房屋為擔保品並設定中國信託銀行為第一順位抵押權人]}, eligibility=[], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=1. 如實際資金用途屬「中央銀行對金融機構辦理不動產抵押貸款業務規定」或中國信託銀行定義「投資客」控管範圍者,不適用本專案條件,詳洽中國信託銀行貸款專員。
<br>
2. 詳細承作對象、承作條件、不同用途個別貸款規格等,請洽中國信託銀行貸款專員或各營業分行。
<br>
3. 借款人若提前全部清償且要求領取清償證明或塗銷擔保品抵押權時,中國信託銀行收取提前清償違約金:自撥貸日起12個月以內,按提前償還本金之1%計付違約金。第13~24個月提前清償計收0.75%之違約金。第25~36個月提前清償計收0.5%之違約金。詳依「借據暨約定書」規定辦理。
<br>
4. 利率係按中國信託銀行ARMs定儲利率指數加碼機動調整。總費用年百分率2.17%起,總費用年百分率係以貸款金額200萬元,貸款期間20年,貸款年利率2.12%起(機動計息),開辦費6,500元、代償費2,000元計算而得;計算基準日為2023.4.24。<br>
5.最低每月還款金額係以貸款金額1000萬元,貸款期間20年,貸款利率2.12%計算而得
<br>
6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。
<br>
7. 上述機動計息係指定儲利率指數(月)加碼機動調整,定儲利率訂價指數係參考臺銀、合庫、土銀、一銀、彰銀、華銀、臺灣企銀、國泰世華、兆豐國際商銀、台北富邦等十家本國銀行之一年期固定利率定儲平均利率為訂價指數,每次取樣時,排除最高及最低各兩家銀行,以剩餘之六家銀行為取樣銀行,指數調整頻率為每月定期調整一次,其生效日各為每月23日。如生效日遇假日以次一營業日為生效日。詳依「個金擔保貸款總約定書」、「借據暨約定書」之約定。
<br>
8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。
<br>
9..提醒您,中國信託銀行無任何委外行銷或代辦單位,消費者如有貸款需求宜透過銀行洽詢,確保自身權益受到相關金融法規保護,請勿透過代辦公司申辦。購置不動產時,請審慎斟酌自身不動產需求與財務負擔能力,避免受第三人之不當勸誘而損害自身權益。
<br>
10. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
<br>
11. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
<br>
12. 以上廣宣內容及注意事項皆以新臺幣計算。
, disclaimer=null, requirements={criteriaDetails=[], citizenship=[], employmentType=null, applicationConfirmationEmail=, eligibleOccupations=[], businessPriority=false, productPrescore=0.0}, applicationProcess=[], needCategories=[], offersFaq=null, interestRate=null, apr=null, totalRepayment=null, monthlyRepayment=null, rawFunctionalPl={rateTableEntries=[{loanTenureMin=12, loanTenureMax=360, loanAmountMin=0.0, loanAmountMax=5.0E7, apr=2.12, eir=null, interestRate=2.12, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, feeInterval=ONCE, value=6500, calculationMethod=FIXED, paymentMethod=IGNORE, description={shortDescription=, longDescription=, tooltip=}}], transferRate=null}], fees=[], defaults={loanTenure=84, loanAmount=300000}, loanType=PRINCIPAL_REDUCING, repayment={minimumRepaymentFixed=null, minimumRepaymentPercentage=null}, interestRateInterval=YEARLY, paymentInterval=MONTHLY}})
{__typename=PersonalLoan, id=blt3c2b4eb1eb920bfe_16_zh-tw, image={url=https://images.contentstack.io/v3/assets/blt4ca32b8be67c85f8/blt3a9375de2a3eb13b/637734165834861044c1f9a2/AnyConv.com_台灣中英文組合(綠底白底)-01.webp, description=TODO, dimension=null}, featured=true, imageOrientation=LANDSCAPE, promotional={bannerText=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%, bannerImage=null, countdown={text=, displayProductPage=false, date={startDate=null, endDate=null}}, flipBanner={imageForDesktop=null, imageForMobile=null, period=1, timeDelay=0, date={startDate=null, endDate=null}}, type=[{key=EXCLUSIVE, display=優惠}]}, comparables=[{__typename=CompareElementWithSubValue, title={key=INTEREST_RATE_WITH_APR, display=最低貸款利率}, sortValue=2120, displayValue=2.12, tooltip=null, description=, prefix=, suffix=%}, {__typename=CompareElementSimple, title={key=HANDLING_FEES, display=手續費}, sortValue=6500000, displayValue=6,500, tooltip=null, description=, prefix=NT$, suffix=}, {__typename=CompareElementSimple, title={key=REPAYMENT, display=最低每月還款額}, sortValue=51158608, displayValue=51,159, tooltip=null, description=, prefix=NT$, suffix=}], ctaButton={label=立即申請, link={url=https://www.money101.com.tw/api/redirect?dest=eyJraWQiOiJTNzhWZklaZF9rcVd0V1YxUmtBbEs2QnUtY1dkMS1RU2Znc3FKaW1pSmxjIiwiYWxnIjoiRWREU0EifQ.CAEawAFodHRwczovL2FkLmRvdWJsZWNsaWNrLm5ldC9kZG0vdHJhY2tjbGsvTjE5NTAwMi4yMTM4MzAzTU9ORVkxMDEuQ09NLlRXL0I5OTY2NDQ3LjEzOTM3OTcxMztkY190cmtfYWlkPTUzNDc0Mjk3MjtkY190cmtfY2lkPTcxOTQ3ODQzO2RjX2xhdD07ZGNfcmRpZD07dGFnX2Zvcl9jaGlsZF9kaXJlY3RlZF90cmVhdG1lbnQ9O3RmdWE9O2x0ZD0.yTGwat6PPYI5A_HQBERPKJlAq1ynH2Nhsp48WN6cXki_Rk9uOFPYpjyNdgbt9kTUqqASYZm58LI9sbrAtVubBA, linkClass=EXTERNAL}, show=true, isNoDealCTA=false}, functional={metaData={alias=中國信託房貸轉增貸}, rateTableEntries=[{loanTenureMin=12, loanTenureMax=360, loanAmountMin=0.0, loanAmountMax=5.0E7, apr=2.12, eir=null, interestRate=2.12, fees=[{type={key=PL_HANDLING_FEE, display=開辦費}, value=6500, description={shortDescription=, longDescription=, tooltip=}}]}], fees=[], defaults={loanTenure=84, loanAmount=300000}}, provider={alias=中國信託, providerName=中國信託}, description={shortDescription=[]}, productName=中國信託 房貸轉增貸, title=TW.ML.CTBC0004.中國信託 房貸轉增貸, features={title=Features, pros=[活動期間:即日起~2023.12.31, 貸款年利率:2.12%起(機動計息), 開辦費:6,500元、代償費:2,000元, 貸款額度:最高可達房屋鑑價價值85%, 貸款期間:最長30年(非購屋目的最長20年), 即刻預約免費房貸健診,專人快速聯絡], cons=[身份條件:1. 他行房貸戶 2. 以房屋為擔保品並設定中國信託銀行為第一順位抵押權人]}, eligibility=[], offers=null, enableCountdown=false, enableFlipBanner=false, termsAndConditions=1. 如實際資金用途屬「中央銀行對金融機構辦理不動產抵押貸款業務規定」或中國信託銀行定義「投資客」控管範圍者,不適用本專案條件,詳洽中國信託銀行貸款專員。
2. 詳細承作對象、承作條件、不同用途個別貸款規格等,請洽中國信託銀行貸款專員或各營業分行。
3. 借款人若提前全部清償且要求領取清償證明或塗銷擔保品抵押權時,中國信託銀行收取提前清償違約金:自撥貸日起12個月以內,按提前償還本金之1%計付違約金。第13~24個月提前清償計收0.75%之違約金。第25~36個月提前清償計收0.5%之違約金。詳依「借據暨約定書」規定辦理。
4. 利率係按中國信託銀行ARMs定儲利率指數加碼機動調整。總費用年百分率2.17%起,總費用年百分率係以貸款金額200萬元,貸款期間20年,貸款年利率2.12%起(機動計息),開辦費6,500元、代償費2,000元計算而得;計算基準日為2023.4.24。
5.最低每月還款金額係以貸款金額1000萬元,貸款期間20年,貸款利率2.12%計算而得
6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。
7. 上述機動計息係指定儲利率指數(月)加碼機動調整,定儲利率訂價指數係參考臺銀、合庫、土銀、一銀、彰銀、華銀、臺灣企銀、國泰世華、兆豐國際商銀、台北富邦等十家本國銀行之一年期固定利率定儲平均利率為訂價指數,每次取樣時,排除最高及最低各兩家銀行,以剩餘之六家銀行為取樣銀行,指數調整頻率為每月定期調整一次,其生效日各為每月23日。如生效日遇假日以次一營業日為生效日。詳依「個金擔保貸款總約定書」、「借據暨約定書」之約定。
8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。
9..提醒您,中國信託銀行無任何委外行銷或代辦單位,消費者如有貸款需求宜透過銀行洽詢,確保自身權益受到相關金融法規保護,請勿透過代辦公司申辦。購置不動產時,請審慎斟酌自身不動產需求與財務負擔能力,避免受第三人之不當勸誘而損害自身權益。
10. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
11. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
12. 以上廣宣內容及注意事項皆以新臺幣計算。
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\n2. 中央銀行或金融監督管理委員會規定應受信用管制之對象或擔保品不適用本貸款。 \n
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\n 5. 檢附文件: (1)申請書 (2)正反面身分證影本 (3)買賣取得者檢附買賣契約書影本,法拍取得者檢附權利移轉證書影本(限登記日期一個月內) (4)本次申貸若為他行轉貸者,檢附近六個月繳息證明(非他行轉貸者免附) (5)借款人本人之近一個月在職證明正本 (6)借款人本人及配偶(如房屋所有權人為配偶時)之近一個月「全國財產稅總歸戶財產查詢清單」正本 (7)最近1年繳納綜合所得稅資料(或薪資單、薪資所得證明)文件影本。 \n
\n6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。 \n
\n7. 詳細承作對象、承作條件、及其他貸款條件等,請洽中國信託銀行貸款專員或全國各分行。 \n
\n8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。 \n
\n9. 參考案例為個案內容,實際貸款條件以中國信託銀行核准內容為準。 \n
\n10. 本公司(走著瞧股份有限公司)係提供各銀行貸款優惠比較資訊,並非接受各銀行委外行銷, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。 \n
\n11. 本公司(走著瞧股份有限公司)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以各銀行提供為準。\n
\n12. 以上廣宣內容及注意事項皆以新臺幣計算。\n
\n13. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。\n
\n14. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。\n","title":"TW.PL.CTBC0003.中國信託 公教優利房屋貸款","totalRepayment":null}
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<br>
2. 中央銀行或金融監督管理委員會規定應受信用管制之對象或擔保品不適用本貸款。
<br>
3. 利率係按中華郵政股份有限公司二年期定期儲金機動利率加碼0.465%機動調整。
<br>
4. 總費用年百分率2.06%。上述總費用年百分率係以貸款金額200萬元,貸款期間20年,貸款年利率2.06%(機動計息)計算而得。計算基準日為民國112/3/29。詳依「個金擔保貸款總約定書」、「借據暨約定書」之約定。
<br>
5. 檢附文件: (1)申請書 (2)正反面身分證影本 (3)買賣取得者檢附買賣契約書影本,法拍取得者檢附權利移轉證書影本(限登記日期一個月內) (4)本次申貸若為他行轉貸者,檢附近六個月繳息證明(非他行轉貸者免附) (5)借款人本人之近一個月在職證明正本 (6)借款人本人及配偶(如房屋所有權人為配偶時)之近一個月「全國財產稅總歸戶財產查詢清單」正本 (7)最近1年繳納綜合所得稅資料(或薪資單、薪資所得證明)文件影本。
<br>
6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。
<br>
7. 詳細承作對象、承作條件、及其他貸款條件等,請洽中國信託銀行貸款專員或全國各分行。
<br>
8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。
<br>
9. 參考案例為個案內容,實際貸款條件以中國信託銀行核准內容為準。
<br>
10. 本公司(走著瞧股份有限公司)係提供各銀行貸款優惠比較資訊,並非接受各銀行委外行銷, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
<br>
11. 本公司(走著瞧股份有限公司)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以各銀行提供為準。
<br>
12. 以上廣宣內容及注意事項皆以新臺幣計算。
<br>
13. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
<br>
14. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
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2. 中央銀行或金融監督管理委員會規定應受信用管制之對象或擔保品不適用本貸款。
3. 利率係按中華郵政股份有限公司二年期定期儲金機動利率加碼0.465%機動調整。
4. 總費用年百分率2.06%。上述總費用年百分率係以貸款金額200萬元,貸款期間20年,貸款年利率2.06%(機動計息)計算而得。計算基準日為民國112/3/29。詳依「個金擔保貸款總約定書」、「借據暨約定書」之約定。
5. 檢附文件: (1)申請書 (2)正反面身分證影本 (3)買賣取得者檢附買賣契約書影本,法拍取得者檢附權利移轉證書影本(限登記日期一個月內) (4)本次申貸若為他行轉貸者,檢附近六個月繳息證明(非他行轉貸者免附) (5)借款人本人之近一個月在職證明正本 (6)借款人本人及配偶(如房屋所有權人為配偶時)之近一個月「全國財產稅總歸戶財產查詢清單」正本 (7)最近1年繳納綜合所得稅資料(或薪資單、薪資所得證明)文件影本。
6. 本廣告揭露之年百分率係按主管機關備查之標準計算範例予以計算,實際貸款條件,仍以銀行提供之產品為準。且每一客戶實際之年百分率仍視其個別貸款產品及授信條件而有所不同。總費用年百分率不等於貸款利率。
7. 詳細承作對象、承作條件、及其他貸款條件等,請洽中國信託銀行貸款專員或全國各分行。
8. 中國信託銀行保留核貸與否及核決貸放金額、利率之權利,同時保留調整產品規格、申貸期限及其他相關規定之權利,實際內容以中國信託銀行網站(www.ctbcbank.com)最新公告為準。
9. 參考案例為個案內容,實際貸款條件以中國信託銀行核准內容為準。
10. 本公司(走著瞧股份有限公司)係提供各銀行貸款優惠比較資訊,並非接受各銀行委外行銷, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
11. 本公司(走著瞧股份有限公司)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以各銀行提供為準。
12. 以上廣宣內容及注意事項皆以新臺幣計算。
13. 本公司(Money101.com.tw)係提供各銀行貸款優惠比較資訊, 恕不提供代辦服務, 所有貸款申辦事宜請逕洽各銀行辦理。
14. 本公司(Money101.com.tw)不定期更新銀行貸款產品資訊,惟實際內容與申貸條件,以銀行提供為準。
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