How 新北房屋二胎貸款 can Save You Time, Stress, and Money.
不一定!新竹房屋貸款有房屋作為擔保品,所以一般不用再提供保證人,但若申請人條件不夠好,也可以找信用及財力條件佳的保人來讓房貸更好通過,並爭取更好的利率和額度。
身份證、收入證明、在職證明、戶籍謄本、土地建物謄本、房貸最近一年繳款明細。
● 二胎增貸可貸額度有所差異,二胎通常為固定數額,增貸則受房屋殘值影響大。
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。
▶申辦速度快:只需三個工作天,最慢三天,最快當天設定完成就會立即撥款。
不需要。申請新竹房屋二胎不需要保人,新竹房屋二胎僅需要本人持有房地產或土地即可評估。
房屋持有一年以上且在其他金融機構已辦理半年以上房屋抵押貸款之自住型客戶
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目前新竹市可以協助申請房屋貸款的地區如下:竹北市、竹東鎮、新埔鎮、關西鎮、新豐鄉、峨眉鄉、寶山鄉、五峰鄉、橫山鄉、北埔鄉、尖石鄉、芎林鄉、湖口鄉等區域。
�?申貸人條件:平時維持好信用分數,若本身有其他副業收入或投資,也可一併附上,增加提高貸款成數機會。
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