小套房貸款銀?最新資訊，貸款就找我帶你一起看?/title> <atom:link href="//nanamaacs.shop/tag/%E5%B0%8F%E5%A5%97%E6%88%BF%E8%B2%B8%E6%AC%BE%E9%8A%80%E8%A1%8C/feed/" rel="self" type="application/rss+xml" /> <link></link> <description>全台申辦．專業服?/description> <lastBuildDate>Mon, 09 Sep 2024 08:13:01 +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>//nanamaacs.shop/wp-content/uploads/2020/12/cropped-logo-4-32x32.png</url> <title>小套房貸款銀?最新資訊，貸款就找我帶你一起看?/title> <link></link> <width>32</width> <height>32</height> </image> <item> <title>套房貸款好申請嗎？條件、利率、成數一次看?/title> <link>//nanamaacs.shop/artical/suite-loan/</link> <dc:creator><![CDATA[]]></dc:creator> <pubDate>Tue, 08 Nov 2022 02:38:20 +0000</pubDate> <category><![CDATA[房屋貸款]]></category> <category><![CDATA[套房可以貸款嗎]]></category> <category><![CDATA[套房貸款利率]]></category> <category><![CDATA[套房貸款年限]]></category> <category><![CDATA[套房貸款幾成]]></category> <category><![CDATA[套房貸款成數]]></category> <category><![CDATA[小套房貸款銀行]]></category> <category><![CDATA[首購套房貸款]]></category> <guid isPermaLink="false">//nanamaacs.shop/?p=9127</guid> <description><![CDATA[<p>現在有許多小資族選擇購入小坪數套房自住，不過仍需要套房貸款來輔助購屋。套房貸款利… <a class="di-continue-reading" href="//nanamaacs.shop/artical/suite-loan/"> 繼續閱讀…</a></p> <p>這篇文章 <a href="//nanamaacs.shop/artical/suite-loan/">套房貸款好申請嗎？條件、利率、成數一次看?/a> 最早出現於 <a href="//nanamaacs.shop">貸款就找?/a>?/p> ]]></description> <content:encoded><![CDATA[ <p>現在有許多小資族選擇購入小坪數套房自住，不過仍需要套房貸款來輔助購屋。套房貸款利率與成數是多少？有哪些限制嗎？讓我們來為你介紹?/p> <h2 class="wp-block-heading h222">套房是什麼？</h2> <p><span class="point">套房指客廳、臥室和衛浴等設施都在同一空間內的房型</span>，但並不是房子符合這個條件就可以辦套房貸款，<span class="point">套房貸款對於物件的認定是看「坪數?/span>，而小套房貸款銀行常見的小坪數定義如下：</p> <ul class="wp-block-list"> <li>減去公設坪數小於8?/li> <li>建物權狀坪數小於15?/li> <li>主建物＋附屬建物坪數小於12?/li> </ul> <h2 class="wp-block-heading h222">套房可以貸款嗎？</h2> <p><span class="point">小套房轉手較困難、抗跌性較弱、增值性不強，還常被投資客拿來炒作，所以過去貸款很不容?/span>，不過隨著都市區域的小坪數住宅需求增加，銀行也開始放寬套房貸款限制。另外除了銀行，民間也可辦理小套房貸款喔?/p> <h3 class="wp-block-heading h333">銀行套房貸?/h3> <ul class="wp-block-list"> <li><strong>利率?/strong>年利率約2?.5％?/li> <li><strong>成數?/strong>平均?成，條件良好可能貸到8成?/li> <li><strong>優點?/strong><span class="point">利率較低</span>，部分銀行還有首購套房貸款優惠?/li> <li><strong>缺點?/strong>審核嚴格，適合信用良好者申請；另外，成數不一定能滿足需求?/li> </ul> <h3 class="wp-block-heading h333">民間套房貸款</h3> <ul class="wp-block-list"> <li><strong>利率?/strong>月利?％起（依條件有機會再降低）?/li> <li><strong>成數?/strong>最高可貸到套房鑑價?成?/li> <li><strong>優點?/strong><span class="point">審核寬鬆、撥款快速、額度更?/span>，適合信用狀況較差或急需資金的民眾?/li> <li><strong>缺點?/strong>利率較高、坊間業者品質不一?/li> </ul> <p><strong><mark style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">?nbsp;?/mark><span style="font-size: revert; color: initial;"> </span>延伸閱讀?/strong><a href="//nanamaacs.shop/artical/legal-loan-company/" target="_blank" rel="noreferrer noopener">合法貸款公司怎麼選？只要3招就能成功分辨！</a></p> <h2 class="wp-block-heading h222">套房貸款成數及過件率如何提高?/h2> <p>套房貸款幾成和過件率都取決於房屋及個人條件，若能達成以下條件，想要小坪數銀行貸?成也是有可能的！</p> <h3 class="wp-block-heading h333"><strong>套房條件</strong><strong></strong></h3> <ul class="wp-block-list"> <li><strong>屋況良好?/strong>?span class="point">屋齡小且裝潢、家具、家電等設備都很完善</span>，就有機會提高貸款成數。另外，位於電梯大樓的套房也會比老公寓裡的套房價值高?/li> <li><strong>生活機能良好?/strong>小套房越靠近市中心、大眾運輸、百貨商圈、明星學區等，貸款成數越高?/li> </ul> <h3 class="wp-block-heading h333">貸款人條?/h3> <ul class="wp-block-list"> <li><strong>信用狀況良好：</strong>過去信用卡及貸款繳款皆正常，無呆帳、退票、債務協商、卡循過高等不良紀錄?/li> <li><strong>有足夠財力證明：</strong>任職公司具有一定規模、工作滿1年以上且有勞健保及薪轉、收入穩定並具備還款能力，比方說軍公教人員或百大企業員工等客群?/li> </ul> <p><strong><mark style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">?nbsp;?/mark><span style="font-size: revert; color: initial;"> </span>延伸閱讀?/strong><a href="//nanamaacs.shop/artical/mortgage-requirements/" target="_blank" rel="noreferrer noopener">房屋貸款條件嚴格嗎？4限制?地雷不可不知?/a></p> <h2 class="wp-block-heading h222">套房貸款所需文件?/h2> <ul class="wp-block-list"> <li>在職證明</li> <li>全戶戶籍謄本</li> <li>不動產所有權狀</li> <li>印鑑章、印鑑證?/li> <li>雙證件（正本＋影本，正本僅供核對身分?/li> <li>財力證明（薪資單、扣繳憑單或薪轉存摺影本等）</li> </ul> <h2 class="wp-block-heading h222">套房貸款申請流程?/h2> <ol class="wp-block-list"> <li><strong>提出申請?/strong>準備相關資料並提出申請?/li> <li><strong>評估審核?/strong>貸款機構為套房鑑價，並根據資料評估套房貸款利率及額度?/li> <li><strong>對保簽約?/strong>雙方約定對保時間，確認合約內容無誤後簽約?/li> <li><strong>抵押設定?/strong>至地政事務所設定抵押權?/li> <li><strong>撥款入帳?/strong>手續完成，款項匯入指定帳戶?/li> </ol> <figure class="wp-block-image size-full"><img fetchpriority="high" decoding="async" width="1001" height="696" src="//nanamaacs.shop/wp-content/uploads/2022/11/套房貸款申請流程【貸款就找我?png" alt="套房貸款申請流程【貸款就找我? class="wp-image-16448" srcset="//nanamaacs.shop/wp-content/uploads/2022/11/套房貸款申請流程【貸款就找我?png 1001w, //nanamaacs.shop/wp-content/uploads/2022/11/套房貸款申請流程【貸款就找我?300x209.png 300w, //nanamaacs.shop/wp-content/uploads/2022/11/套房貸款申請流程【貸款就找我?768x534.png 768w" sizes="(max-width: 1001px) 100vw, 1001px" /></figure> <h2 class="wp-block-heading h222">套房貸款常見問題</h2> <div class="schema-faq wp-block-yoast-faq-block"><div class="schema-faq-section" id="faq-question-1667873723235"><strong class="schema-faq-question">Q. 可以買兩間套房打通來提升貸款成數嗎？</strong> <p class="schema-faq-answer">不建議這麼做，打通隔間牆或加蓋夾層都屬於二次加工?span class="point">未經許可更改房屋結構是違法的</span>，不僅要花一筆錢財，<span class="point">還可能被銀行誤以為是投資客</span>，反而不能拿到更好的貸款條件?/p> </div> <div class="schema-faq-section" id="faq-question-1667873910781"><strong class="schema-faq-question">Q. 小套房貸款銀行可以申請寬限期嗎？</strong> <p class="schema-faq-answer">小坪數物件因為主建物小，容易被拿來炒作轉售，所?span class="point">通常難以申請寬限?/span>?br/><strong><mark style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">❯ ❯</mark><span style="font-size: revert; color: initial;"> </span>延伸閱讀?/strong><a href="//nanamaacs.shop/artical/grace-period/">寬限期缺點有哪些？申請寬限期前先知道?點！</a></p> </div> <div class="schema-faq-section" id="faq-question-1695456722983"><strong class="schema-faq-question">Q. 套房貸款年限有多久？</strong> <p class="schema-faq-answer">銀行套房貸款年限為20?0年，但實際審核結果可能會比一般房屋貸款短一點；民間套房貸款年限則依個人需求規劃，彈性更高?br/><strong><mark style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color">❯ ❯</mark><span style="font-size: revert; color: initial;"> </span>延伸閱讀?/strong><a href="//nanamaacs.shop/artical/mortgage-term/">房貸年限差別?大挑選重點讓你貸得漂亮！</a></p> </div> </div> <h2 class="wp-block-heading h222">結語</h2> <p>套房因為價格較低，成為多數民眾的入手首選，然而銀行對於套房貸款的審核還是偏向保守，若民眾想申辦套房貸款但被銀行拒貸，歡迎諮詢<strong>貸款就找?/strong>，讓我們為你解決困難！</p> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow"> <p><img decoding="async" width="30" height="26" class="wp-image-2988" style="width: 30px;" src="//nanamaacs.shop/wp-content/uploads/2021/01/phone.png" alt="聯絡"> 撥打公司專線<a href="tel:0987-309696" target="_blank" rel="noreferrer noopener">0987-309696</a>，立即為您服?br><img decoding="async" width="28" height="33" class="wp-image-2990" style="width: 28px;" src="//nanamaacs.shop/wp-content/uploads/2021/01/contact.png" alt="洽詢"> 填寫<a href="//nanamaacs.shop/contact/#online" target="_blank" rel="noreferrer noopener">線上申辦表單</a>，由專人與您聯繫</p> <div style="height:30px" aria-hidden="true" class="wp-block-spacer"></div> </div></div> <p>這篇文章 <a href="//nanamaacs.shop/artical/suite-loan/">套房貸款好申請嗎？條件、利率、成數一次看?/a> 最早出現於 <a href="//nanamaacs.shop">貸款就找?/a>?/p> ]]></content:encoded> </item> </channel> </rss>