股票質借心?最新資訊，貸款就找我帶你一起看?/title> <atom:link href="//nanamaacs.shop/tag/%E8%82%A1%E7%A5%A8%E8%B3%AA%E5%80%9F%E5%BF%83%E5%BE%97/feed/" rel="self" type="application/rss+xml" /> <link></link> <description>全台申辦．專業服?/description> <lastBuildDate>Wed, 17 Jul 2024 09:49:39 +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>股票質借心?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>質借意思是什麼？手邊有這３樣就可以取得貸款資金?/title> <link>//nanamaacs.shop/artical/pledging-loan/</link> <dc:creator><![CDATA[]]></dc:creator> <pubDate>Mon, 14 Mar 2022 02:54:50 +0000</pubDate> <category><![CDATA[其他貸款]]></category> <category><![CDATA[定存質借好處]]></category> <category><![CDATA[定存質借郵局]]></category> <category><![CDATA[股票質借心得]]></category> <category><![CDATA[股票質借意思]]></category> <category><![CDATA[質借意思]]></category> <category><![CDATA[質押質借]]></category> <guid isPermaLink="false">//nanamaacs.shop/?p=7819</guid> <description><![CDATA[<p>網路上有不少人分享了自身靠定存、保單、股票質借的心得，究竟質借意思是什麼？如何?#8230; <a class="di-continue-reading" href="//nanamaacs.shop/artical/pledging-loan/"> 繼續閱讀…</a></p> <p>這篇文章 <a href="//nanamaacs.shop/artical/pledging-loan/">質借意思是什麼？手邊有這３樣就可以取得貸款資金?/a> 最早出現於 <a href="//nanamaacs.shop">貸款就找?/a>?/p> ]]></description> <content:encoded><![CDATA[ <p>網路上有不少人分享了自身靠定存、保單、股票質借的心得，究竟質借意思是什麼？如何透過質借取得周轉資金呢？本篇教你透過定存、保單、股票來質借貸款，只要有這三樣不怕資金沒著落?/p> <figure class="wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio"><div class="wp-block-embed__wrapper"> <iframe title="質借的意思是什麼？" width="730" height="411" src="//www.youtube.com/embed/NevX2cB8udk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe> </div></figure> <h2 class="wp-block-heading h222">質借意思是什麼？有哪些種類？</h2> <p>「質借」即質押借款，意思就是以你的動產，包括定存、股票、保單這類變現率比較快的財物作為擔保去貸款?/p> <h3 class="wp-block-heading h333"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />定存質?/h3> <p>定存質借的意思是客戶用自己的「定期存款」當作抵押品，向存款所在的銀行借錢?span class="has-inline-color has-luminous-vivid-orange-color">每家商業銀行都有定存質借的業務，可以根據你定存的金額貸到九成以?/span>，白話來說假如你在該銀行有100萬元的定存，即可透過定存質借來取得90~95萬元的資金運用。而定存質借的利息會按照定存單上的利率再加?~1.5%?/p> <p><span style="background-color:rgba(0, 0, 0, 0);color:#ffdb77" class="has-inline-color"><strong>?nbsp;?/strong></span><span style="font-size: revert; color: initial;"><strong> 延伸閱讀?/strong></span><a href="//nanamaacs.shop/artical/loan-without-employment-certificate/" target="_blank" rel="noreferrer noopener">沒工作可以貸款嗎?分鐘了解免工作證明貸款！</a></p> <h3 class="wp-block-heading h333"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />股票質?/h3> <p>股票質借意思是使用自己持有的股票，當作抵押品向金融機構抵押借款，優點是<span class="has-inline-color has-luminous-vivid-orange-color">不需要將股票賣出，就能有一筆資金靈活運?/span>，但因為股票在開盤時，股價都會浮動，所以在進行股票質借時?span class="has-inline-color has-luminous-vivid-orange-color">借款額度通常只有股票市值的六成</span>，且維持率必須在130%以上，若低於130%質借的股票就會被賣出?/p> <h3 class="wp-block-heading h333"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />保單質?/h3> <p><span style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-luminous-vivid-orange-color">保單只要含有現金價值且繳交一段時間的保費後，就能辦理質借質押，通常可以貸到保單價值的九成?/span>保單質借只要拿保單、印章、身分證，去當初核保的保險公司填寫保單借款合約書辦理，就能拿到款項。至於利率，一般多為保單預定利率加2%不等，沒有償還期限等，只要借款人準時繳交保費和貸款利息，就能持續質借?/p> <figure class="wp-block-image size-full"><img fetchpriority="high" decoding="async" width="1000" height="550" src="//nanamaacs.shop/wp-content/uploads/2022/03/質借分3大種?貸款945.png" alt="質借意思是什麼？有哪些種類？" class="wp-image-7821" srcset="//nanamaacs.shop/wp-content/uploads/2022/03/質借分3大種?貸款945.png 1000w, //nanamaacs.shop/wp-content/uploads/2022/03/質借分3大種?貸款945-300x165.png 300w, //nanamaacs.shop/wp-content/uploads/2022/03/質借分3大種?貸款945-768x422.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></figure> <h2 class="wp-block-heading h222">質借有哪些優點?/h2> <h3 class="wp-block-heading h333"><img decoding="async" width="35" height="35" class="wp-image-191" style="width: 35px;" src="//nanamaacs.shop/wp-content/uploads/2020/09/check.png" alt="打勾">適合短期周轉</h3> <p>在低利率時代可以保本情況下借款，雖然借款期限相對較短，但假如是應付短期週轉需求的話，透過股票、定存、保單來質借非常適合?/p> <h3 class="wp-block-heading h333"><img decoding="async" width="35" height="35" class="wp-image-191" style="width: 35px;" src="//nanamaacs.shop/wp-content/uploads/2020/09/check.png" alt="打勾">比活存多功能</h3> <p>定存質借好處是把錢先放一年以上的定儲，再開啟質借功能，會比單純預留活存預備金較好?/p> <h3 class="wp-block-heading h333"><img decoding="async" width="35" height="35" class="wp-image-191" style="width: 35px;" src="//nanamaacs.shop/wp-content/uploads/2020/09/check.png" alt="打勾">借款金額少可拉長還款?/h3> <p>若沒有借款滿九成，或是成數越少，可以借款日期就可以拉愈長?/p> <h3 class="wp-block-heading h333"><img decoding="async" width="35" height="35" class="wp-image-191" style="width: 35px;" src="//nanamaacs.shop/wp-content/uploads/2020/09/check.png" alt="打勾">還款簡單方便</h3> <p>不須解約定存，直接把錢存回帳戶即可?/p> <h2 class="wp-block-heading h222">定存解約和定存質借哪個比較划算？</h2> <p>有些人因為出現臨時周轉的需求，會考慮將放在銀行的定存解約，然而定存解約會損失一部分利息，而定存質借則要負擔貸款利息，所以究竟是質借還是解約比較划算，得看借款的時間長短?/p> <p><span style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-luminous-vivid-orange-color">如果借款時間比較長，或定存期間比較短，解約定存可能會比較划算?/span>即使做了定存質借，原先的定存也會持續計息。但如果將定存設定「到期續存」功能，可是到期前又無法還款，銀行則有權拒絕「到期續存」，甚至，將活存或定存到期金額抵扣，用來繳交貸款債務，如：借款金額及應付利息、違約金等?/p> <h2 class="wp-block-heading h222">保單質借需要注意什麼？</h2> <h3 class="wp-block-heading h333">注意本息還款期限</h3> <p>保單質借最重要的是留意本息還款期限，如?span class="has-inline-color has-luminous-vivid-orange-color">沒有在時間內將本息還清，是有可能讓保單失效?/span></p> <h3 class="wp-block-heading h333">評估事故發生風險</h3> <p>一旦發生理賠事件，會先扣掉保單質借的部分，保險公司僅給付剩餘的保險金，這樣難免影響保障，所以借款前還是得先評估必要性，有急用再借為佳?/p> <h3 class="wp-block-heading h333">保單借款按月計息</h3> <p>通常申請保單質借是不需要手續費、不規定還款期限，但要注意的是，保單貸款採按月計息，如果保戶沒繳利息，那麼沒繳的利息就會計入本金中，造成借款利息變多，默默增加了負債率?/p> <figure class="wp-block-image size-full"><img decoding="async" width="1000" height="650" src="//nanamaacs.shop/wp-content/uploads/2022/04/保單借款注意3件事-貸款945.png" alt="保單借款注意3件事【貸款就找我? class="wp-image-7994" srcset="//nanamaacs.shop/wp-content/uploads/2022/04/保單借款注意3件事-貸款945.png 1000w, //nanamaacs.shop/wp-content/uploads/2022/04/保單借款注意3件事-貸款945-300x195.png 300w, //nanamaacs.shop/wp-content/uploads/2022/04/保單借款注意3件事-貸款945-768x499.png 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></figure> <h2 class="wp-block-heading h222">質借常見QA</h2> <div class="schema-faq wp-block-yoast-faq-block"><div class="schema-faq-section" id="faq-question-1647225742979"><strong class="schema-faq-question">Q：定存質借郵局有承作嗎?/strong> <p class="schema-faq-answer">有的！儲戶本人可以攜帶國民身分證、原留印鑑、定期存單及郵政存簿儲金簿，至立帳郵局填寫「質押借款申請書」辦理。質押借款金額最高可為存單「本金」之9成，質押借款「利息」可由儲戶持「質押借款存單收條」按月來局繳付，或申請自本人存?劃撥儲金帳戶轉帳繳付，亦可於還款時一併還清?/p> </div> <div class="schema-faq-section" id="faq-question-1708934424268"><strong class="schema-faq-question">Q：所有股票都可以質借嗎?/strong> <p class="schema-faq-answer">並非所有股票都可以質借，像是全額交割的股票、上一年虧錢的股票、流通性太小、股票信用不佳、股價大漲大跌等，這些都會影響銀行審核股票質押是否要過件的條件，畢竟，銀行非慈善機構，是要營利賺錢的，如果你抵押的股票條件本身不好，銀行也會婉拒受理業務?/p> </div> </div> <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> <div class="wp-block-group h3333"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <p><sup><img decoding="async" width="66" height="38" class="wp-image-15457" style="width: 66px;" src="//nanamaacs.shop/wp-content/uploads/2021/07/reading.png" alt="reading" srcset="//nanamaacs.shop/wp-content/uploads/2021/07/reading.png 700w, //nanamaacs.shop/wp-content/uploads/2021/07/reading-300x171.png 300w" sizes="(max-width: 66px) 100vw, 66px" /></sup><font size="5"><strong>更多知識分享</strong></font></p> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <p><img decoding="async" width="35" height="20" 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