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小夫妻搞懂房貸 - 修訂紀錄
2026-07-26T09:11:11Z
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123.194.225.11 於 2009年3月31日 (二) 00:37
2009-03-31T00:37:59Z
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">←上個修訂</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">2009年3月31日 (二) 08:37的版本</td>
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<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><table border="<del style="font-weight: bold; text-decoration: none;">1</del>"></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><table border="<ins style="font-weight: bold; text-decoration: none;">0" style="width:100%;margin-top: 5px;border-bottom: 1px dotted #6699CC;</ins>"></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td><del style="font-weight: bold; text-decoration: none;">新婚小夫妻</del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>><ins style="font-weight: bold; text-decoration: none;">預估兩人月收入近8萬元，扣除生活開銷等支出，每個月還能存下4萬元。為了購屋，雅婷預計向銀行貸款300萬元，身邊留20萬元週轉金。不過，[[房貸]]壓力卻讓雅婷擔心，是否會影響原本預計兩年後生寶寶的計畫。</ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買間屬於自己的愛的</del>小<del style="font-weight: bold; text-decoration: none;">窩。預估兩人月收入近8萬元，扣除生活開銷等支出，每個月還能存下4萬元。為了購屋，雅婷預計向銀行貸款300萬元，身邊留20萬元週轉金。不過，</del>房貸<del style="font-weight: bold; text-decoration: none;">壓力卻讓雅婷擔心，是否會影響原本預計兩年後生寶寶的計畫。</del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>小<ins style="font-weight: bold; text-decoration: none;">夫妻一步步搞懂[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">小夫妻一步步搞懂</del>房貸</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]銀行的選擇不僅考量利率與成數，更須配合本身的理財規劃，並藉由理財顧問評估個人財務能力，亦可透過銀行的其他金融理財產品搭配，增加貸款靈活的運用，加速[[房貸]]清償時間、減少利息支出。</ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>房貸銀行的<del style="font-weight: bold; text-decoration: none;">選擇不僅考量利率與成數，更須配合本身的理財規劃，並藉由理財顧問評估個人財務能力，亦可透過銀行的其他金融理財產品搭配，增加貸款靈活的運用，加速房貸清償時間、減少利息支出。</del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">優質[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>銀行的<ins style="font-weight: bold; text-decoration: none;">四大先決條件：</ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">優質房</del>貸<del style="font-weight: bold; text-decoration: none;">銀行的四大先決條</del>件<del style="font-weight: bold; text-decoration: none;">：</del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">* 1.完整且充分告知</ins>貸<ins style="font-weight: bold; text-decoration: none;">款過程及費用；貸款書面文</ins>件<ins style="font-weight: bold; text-decoration: none;">記載詳細。</ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">1</del>.<del style="font-weight: bold; text-decoration: none;">完整且充分告知貸款過程及費用；貸款書面文件記載詳細</del>。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">* 2</ins>.<ins style="font-weight: bold; text-decoration: none;">金融理財產品多元化</ins>。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">2</del>.<del style="font-weight: bold; text-decoration: none;">金融理財產品多元化</del>。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">* 3</ins>.<ins style="font-weight: bold; text-decoration: none;">[[房貸]]專員專業能力強，並有[[房貸]]撥貸後的服務</ins>。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">3</del>.<del style="font-weight: bold; text-decoration: none;">房貸專員專業能力強，並有房貸撥貸後的服務</del>。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">* 4</ins>.<ins style="font-weight: bold; text-decoration: none;">銀行經營穩定、形象好</ins>。<ins style="font-weight: bold; text-decoration: none;"></td></tr></table></ins></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">4.銀行經營穩定、形象好。</td></tr></table></del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><table border="<ins style="font-weight: bold; text-decoration: none;">0" style="width:100%;margin-top: 5px;border-bottom: 1px dotted #6699CC;</ins>"></div></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div> </div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><table border="<del style="font-weight: bold; text-decoration: none;">1</del>"></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>Tips挑選房貸銀行以服務熱忱、重視行員專業訓練、替客戶著想的優質銀行為先。</td></tr></table></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>Tips挑選<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>銀行以服務熱忱、重視行員專業訓練、替客戶著想的優質銀行為先。</td></tr></table></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><table border="<del style="font-weight: bold; text-decoration: none;">1</del>"></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><table border="<ins style="font-weight: bold; text-decoration: none;">0" style="width:100%;margin-top: 5px;border-bottom: 1px dotted #6699CC;</ins>"></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>1.指數型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>1.指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>指數型房貸利率＝定儲利率指數＋加碼利率。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>利率＝定儲利率指數＋加碼利率。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>指數型房貸的指標利率可隨市場利率變動而機動調整，使利率定價公平而透明，為合理貼近市場的利率，但須留意提前還款的違約金問題。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>的指標利率可隨市場利率變動而機動調整，使利率定價公平而透明，為合理貼近市場的利率，但須留意提前還款的違約金問題。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：規律薪水族。</td></tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：規律薪水族。</td></tr></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l41">第41行：</td>
<td colspan="2" class="diff-lineno">第39行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>2.理財型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>2.<ins style="font-weight: bold; text-decoration: none;">[[</ins>理財型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>可讓房貸價值靈活運用的理財方式，其與一般房貸的主要差異在於一般房貸還款後的本金部分不能再動用，而理財型房貸的還款本金(包括每月攤還之本金及提前部分還款之本金)會轉換為循環額度，可隨時動用、隨借隨還按日計息，讓房貸變成靈活使用的資金。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>可讓<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>價值靈活運用的理財方式，其與一般<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>的主要差異在於一般<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>還款後的本金部分不能再動用，而<ins style="font-weight: bold; text-decoration: none;">[[</ins>理財型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>的還款本金(包括每月攤還之本金及提前部分還款之本金)會轉換為循環額度，可隨時動用、隨借隨還按日計息，讓<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>變成靈活使用的資金。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：有理財規劃、短期投資、房屋修繕及備用金需求者，或者中小型企業人士。</td></tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：有理財規劃、短期投資、房屋修繕及備用金需求者，或者中小型企業人士。</td></tr></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l49">第49行：</td>
<td colspan="2" class="diff-lineno">第47行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>3.抵利型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>3.<ins style="font-weight: bold; text-decoration: none;">[[</ins>抵利型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>房貸戶拿存款來折抵房貸本金，以減少利息支出，達到降低每月攤還金額或縮短還款年限的效果。如果在使用抵利型房貸時，臨時面臨資金需求，還是可以動用該筆存款。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>><ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>戶拿存款來折抵<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>本金，以減少利息支出，達到降低每月攤還金額或縮短還款年限的效果。如果在使用<ins style="font-weight: bold; text-decoration: none;">[[</ins>抵利型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>時，臨時面臨資金需求，還是可以動用該筆存款。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>誰適合：資金應急者、理財者、不想提前還款且希望降低房貸負擔者。</td></tr></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>誰適合：資金應急者、理財者、不想提前還款且希望降低<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>負擔者。</td></tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>4.利率遞減型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>4.利率遞減型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>一種依據顧客繳息情形提供利率回饋的房貸產品。房貸利率依指數型房貸計息，若顧客每月按時繳息，利率即享有減碼優惠。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>一種依據顧客繳息情形提供利率回饋的<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>產品。<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>利率依指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>計息，若顧客每月按時繳息，利率即享有減碼優惠。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：雙薪家庭者、有固定還款來源者，或是對利率敏感度較高的上班族或避險族等。</td></tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：雙薪家庭者、有固定還款來源者，或是對利率敏感度較高的上班族或避險族等。</td></tr></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l65">第65行：</td>
<td colspan="2" class="diff-lineno">第63行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>5.保障型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>5.保障型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>須支付一筆權利金（約貸款金額的0.5％），房貸利率保障不超過一個議定利率的權利，在N年內利率若是超過上限，則房貸利率等於上限；若低於上限，則以指數型房貸計算利率。不用擔心利率快速上升導致利息負擔增加。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>須支付一筆權利金（約貸款金額的0.5％），<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>利率保障不超過一個議定利率的權利，在N年內利率若是超過上限，則<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>利率等於上限；若低於上限，則以指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>計算利率。不用擔心利率快速上升導致利息負擔增加。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：適合年輕的首購族、新婚小夫妻、固定收入的上班族且認為未來利率可能走升者。</td></tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：適合年輕的首購族、新婚小夫妻、固定收入的上班族且認為未來利率可能走升者。</td></tr></div></td></tr>
<tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l73">第73行：</td>
<td colspan="2" class="diff-lineno">第71行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>6.固定型房貸：</td></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>6.固定型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>：</td></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>銀行提供前幾年固定利率，期滿後恢復為指數型房貸，運用每月繳款金額固定的特性，妥善安排家庭財務分配，每月支出不會因為利率波動而臨時更動，可確保家庭生活品質。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>銀行提供前幾年固定利率，期滿後恢復為指數型<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>，運用每月繳款金額固定的特性，妥善安排家庭財務分配，每月支出不會因為利率波動而臨時更動，可確保家庭生活品質。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：固定收入的上班族、雙薪家庭者、預期未來利率可能走升者。</td></tr></table></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>誰適合：固定收入的上班族、雙薪家庭者、預期未來利率可能走升者。</td></tr></table></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><table border="<del style="font-weight: bold; text-decoration: none;">1</del>"></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><table border="<ins style="font-weight: bold; text-decoration: none;">0" style="width:100%;margin-top: 5px;border-bottom: 1px dotted #6699CC;</ins>"></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><tr></div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><td>Tips了解各式房貸還款方式，比較後，再取有利個人者。</td></tr></table></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><td <ins style="font-weight: bold; text-decoration: none;">valign="top" style="margin: 5px;padding: 3px;font-size:11pt;"</ins>>Tips了解各式<ins style="font-weight: bold; text-decoration: none;">[[</ins>房貸<ins style="font-weight: bold; text-decoration: none;">]]</ins>還款方式，比較後，再取有利個人者。</td></tr></table>[[Category:購屋常識]]</div></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>[[Category:購屋常識<del style="font-weight: bold; text-decoration: none;">]]</del></div></td><td colspan="2" class="diff-side-added"></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">[[Category:貸款規劃</del>]]</div></td><td colspan="2" class="diff-side-added"></td></tr>
</table>
123.194.225.11
https://wiki.uleader.com/index.php?title=%E5%B0%8F%E5%A4%AB%E5%A6%BB%E6%90%9E%E6%87%82%E6%88%BF%E8%B2%B8&diff=2392&oldid=prev
123.194.225.11 於 2009年3月29日 (日) 06:33
2009-03-29T06:33:17Z
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">←上個修訂</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">2009年3月29日 (日) 14:33的版本</td>
</tr><tr><td colspan="2" class="diff-lineno" id="mw-diff-left-l5">第5行：</td>
<td colspan="2" class="diff-lineno">第5行：</td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><td>新婚小夫妻</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div><td>新婚小夫妻</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">[[Image:images/buy/buyer-guide-p1-2-21.jpg|thumb|left|180px]]</del>從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買間屬於自己的愛的小窩。預估兩人月收入近8萬元，扣除生活開銷等支出，每個月還能存下4萬元。為了購屋，雅婷預計向銀行貸款300萬元，身邊留20萬元週轉金。不過，房貸壓力卻讓雅婷擔心，是否會影響原本預計兩年後生寶寶的計畫。</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;"></ins>從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買間屬於自己的愛的小窩。預估兩人月收入近8萬元，扣除生活開銷等支出，每個月還能存下4萬元。為了購屋，雅婷預計向銀行貸款300萬元，身邊留20萬元週轉金。不過，房貸壓力卻讓雅婷擔心，是否會影響原本預計兩年後生寶寶的計畫。</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>小夫妻一步步搞懂房貸</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>小夫妻一步步搞懂房貸</div></td></tr>
</table>
123.194.225.11
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123.194.225.11：新页面: <table border="1"> <tr> <td>新婚小夫妻 180px從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買...
2009-03-29T06:32:41Z
<p>新页面: <table border="1"> <tr> <td>新婚小夫妻 <a href="/index.php?title=%E6%AA%94%E6%A1%88:Images/buy/buyer-guide-p1-2-21.jpg&action=edit&redlink=1" class="new" title="檔案:Images/buy/buyer-guide-p1-2-21.jpg（頁面不存在）">thumb|left|180px</a>從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買...</p>
<p><b>新頁面</b></p><div><table border="1"><br />
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<tr><br />
<br />
<td>新婚小夫妻<br />
<br />
[[Image:images/buy/buyer-guide-p1-2-21.jpg|thumb|left|180px]]從事教職的雅婷和任職於旅遊業的達康結婚半年後，決定買間屬於自己的愛的小窩。預估兩人月收入近8萬元，扣除生活開銷等支出，每個月還能存下4萬元。為了購屋，雅婷預計向銀行貸款300萬元，身邊留20萬元週轉金。不過，房貸壓力卻讓雅婷擔心，是否會影響原本預計兩年後生寶寶的計畫。<br />
<br />
小夫妻一步步搞懂房貸<br />
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房貸銀行的選擇不僅考量利率與成數，更須配合本身的理財規劃，並藉由理財顧問評估個人財務能力，亦可透過銀行的其他金融理財產品搭配，增加貸款靈活的運用，加速房貸清償時間、減少利息支出。<br />
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優質房貸銀行的四大先決條件：<br />
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1.完整且充分告知貸款過程及費用；貸款書面文件記載詳細。<br />
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2.金融理財產品多元化。<br />
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3.房貸專員專業能力強，並有房貸撥貸後的服務。<br />
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4.銀行經營穩定、形象好。</td></tr></table><br />
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<table border="1"><br />
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<tr><br />
<br />
<td>Tips挑選房貸銀行以服務熱忱、重視行員專業訓練、替客戶著想的優質銀行為先。</td></tr></table><br />
<br />
<table border="1"><br />
<br />
<tr><br />
<br />
<td>1.指數型房貸：</td><br />
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<td>指數型房貸利率＝定儲利率指數＋加碼利率。<br />
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指數型房貸的指標利率可隨市場利率變動而機動調整，使利率定價公平而透明，為合理貼近市場的利率，但須留意提前還款的違約金問題。<br />
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誰適合：規律薪水族。</td></tr><br />
<br />
<tr><br />
<br />
<td>2.理財型房貸：</td><br />
<br />
<td>可讓房貸價值靈活運用的理財方式，其與一般房貸的主要差異在於一般房貸還款後的本金部分不能再動用，而理財型房貸的還款本金(包括每月攤還之本金及提前部分還款之本金)會轉換為循環額度，可隨時動用、隨借隨還按日計息，讓房貸變成靈活使用的資金。<br />
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誰適合：有理財規劃、短期投資、房屋修繕及備用金需求者，或者中小型企業人士。</td></tr><br />
<br />
<tr><br />
<br />
<td>3.抵利型房貸：</td><br />
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<td>房貸戶拿存款來折抵房貸本金，以減少利息支出，達到降低每月攤還金額或縮短還款年限的效果。如果在使用抵利型房貸時，臨時面臨資金需求，還是可以動用該筆存款。<br />
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誰適合：資金應急者、理財者、不想提前還款且希望降低房貸負擔者。</td></tr><br />
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<tr><br />
<br />
<td>4.利率遞減型房貸：</td><br />
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<td>一種依據顧客繳息情形提供利率回饋的房貸產品。房貸利率依指數型房貸計息，若顧客每月按時繳息，利率即享有減碼優惠。<br />
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誰適合：雙薪家庭者、有固定還款來源者，或是對利率敏感度較高的上班族或避險族等。</td></tr><br />
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<tr><br />
<br />
<td>5.保障型房貸：</td><br />
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<td>須支付一筆權利金（約貸款金額的0.5％），房貸利率保障不超過一個議定利率的權利，在N年內利率若是超過上限，則房貸利率等於上限；若低於上限，則以指數型房貸計算利率。不用擔心利率快速上升導致利息負擔增加。<br />
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誰適合：適合年輕的首購族、新婚小夫妻、固定收入的上班族且認為未來利率可能走升者。</td></tr><br />
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<tr><br />
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<td>6.固定型房貸：</td><br />
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<td>銀行提供前幾年固定利率，期滿後恢復為指數型房貸，運用每月繳款金額固定的特性，妥善安排家庭財務分配，每月支出不會因為利率波動而臨時更動，可確保家庭生活品質。<br />
<br />
誰適合：固定收入的上班族、雙薪家庭者、預期未來利率可能走升者。</td></tr></table><br />
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<table border="1"><br />
<br />
<tr><br />
<br />
<td>Tips了解各式房貸還款方式，比較後，再取有利個人者。</td></tr></table><br />
[[Category:購屋常識]]<br />
[[Category:貸款規劃]]</div>
123.194.225.11