<div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="html_free_layout" style="display: block;"><div class="row" style="margin-left:0px;margin-right:0px;height: 45px;"> <div style="" class="col-xs-12 col-md-12"><h1 style=" border-bottom: 2px solid #D0D0D4; font-size: 32px; margin-bottom: 10px; ">房屋貸款專區</h1></div> </div> <div class="row" style=" height: 16%; max-height: 265px; "> <div style="" class="col-xs-12 col-md-12"> <div id="carousel-example-generic" class="carousel slide" data-ride="carousel" style=""> <!-- Indicators --> <ol class="carousel-indicators" style=" bottom: -12px; "> <li data-target="#carousel-example-generic" data-slide-to="0" class=""></li> <li data-target="#carousel-example-generic" data-slide-to="1" class=""></li> <li data-target="#carousel-example-generic" data-slide-to="2" class="active"></li> </ol> <!-- Wrapper for slides --> <div class="carousel-inner" role="listbox" style=" border-radius: 10px; "> <div class="item"> <a href="https://www.skbank.com.tw/117f803f15.html?"><img src="/skbank_resource/leap_do/gallery/0315/1655255612357/房貸L2_BANNER (3).jpg" alt="超低利房貸" width="920" height="200"> </a> </div> <div class="item"> <a href="https://www.skbank.com.tw/6bf52dc616.html?"><img src="/skbank_resource/leap_do/gallery/0315/1655255612229/房貸L2_BANNER (2).jpg" alt="低月付金輕鬆貸" width="920" height="200"> </a> </div> <div class="item active"> <a href="https://www.skbank.com.tw/ppp-1.html?"><img src="/skbank_resource/leap_do/gallery/0315/1655255612054/房貸L2_BANNER (1).jpg" alt="二順位貸款" width="920" height="200"> </a> </div> <!-- Controls --> <a class="left carousel-control" href="#carousel-example-generic" role="button" data-slide="prev" style="opacity: 0.5;background: rgb(255 255 255 / 15%);color: black;width: 10%;"> <span class="glyphicon glyphicon-chevron-left" aria-hidden="true"></span> <span class="sr-only">Previous</span> </a> <a class="right carousel-control" href="#carousel-example-generic" role="button" data-slide="next" style="opacity: 0.5;background: rgb(255 255 255 / 15%);color: black;width: 10%;"> <span class="glyphicon glyphicon-chevron-right" aria-hidden="true"></span> <span class="sr-only">Next</span> </a> </div> </div> </div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 60px;margin-top: 10px;"> <div style="" class="col-xs-12 col-md-12"><h2 style=" border-bottom: 2px solid #D0D0D4; font-size: 28px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 10px; margin-left: 0px; margin-right: 0px; ">常用服務</h2></div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 140px;margin-top: 5px;"> <div class="col-xs-3 col-md-3" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/skbank_resource/leap_do/gallery/0315/1633587253283/%E5%80%8B%E4%BA%BA%E8%B2%B8%E6%AC%BE%E6%A5%AD%E5%8B%99%E6%94%B6%E8%B2%BB%E4%B8%80%E8%A6%BD%E8%A1%A8.pdf" class="thumbnail" style=" font-size: 14px; height: 135px; border: none; "> <img src="/skbank_resource/leap_do/gallery/0315/1655255612371/房貸L2 icon-1.jpg" alt="房貸業務收費一覽表">貸款業務收費一覽表<br></a> </div> <div class="col-xs-3 col-md-3" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/homeloan/" class="thumbnail" style=" font-size: 14px; height: 135px; border: none; "> <img src="/skbank_resource/leap_do/gallery/0315/1655255612434/房貸L2 icon-2.jpg" alt="房貸額度試算">房貸額度<br>試算</a> </div> <div class="col-xs-3 col-md-3" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/76cd535916.html?" class="thumbnail" style=" font-size: 14px; height: 135px; border: none; border-bottom: 1 px solid rgba(86,61,124,.2); "> <img src="/skbank_resource/leap_do/gallery/0315/1655255612448/房貸L2 icon-3.jpg" alt="房貸月付金試算">房貸月付金<br>試算</a> </div><div class="col-xs-3 col-md-3" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/HouseLoan_QA.html?" class="thumbnail" style=" font-size: 14px; height: 135px; border: navajowhite; "> <img src="/skbank_resource/leap_do/gallery/0315/1655255612454/房貸L2 icon-4.jpg" alt="房貸常見問題">常見問題</a> </div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 110px;margin-top: 25px;"> <div class="col-xs-8 col-xs-offset-2" style=" text-align: center; font-weight: bold; "> <a class="btn btn-primary btn-lg" href="https://www.skbank.com.tw/6bf52dc616.html?" role="button" style=" width:100%; background: #ff9a45; border-color: #ff9a45; color: #ffffff; font-weight: bold; font-size: 20px; border-radius: 10px; ">立即留言諮詢</a>留下電話,專員於次一營業日與您聯繫 </div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 60px;margin-top: 10px;"> <div style="" class="col-xs-12 col-md-12"><h2 style=" border-bottom: 2px solid #D0D0D4; font-size: 28px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 10px; margin-left: 0px; margin-right: 0px; ">購屋或增轉貸</h2></div> </div><div class="row" style=" margin-left: 5px; margin-right: 5px; height: 330px; "> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/24e17cfa14.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe;background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">一般優惠房貸</h4> <p style=" font-weight: 400; ">優惠利率最低1.60%起<br>輕鬆還款無負擔</p> </div> </div> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/e0107f6615.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">優客族群房貸</h4> <p style=" font-weight: 400; ">優惠利率最低1.80%起<br>薪轉或年收60萬客戶</p> </div> </div> </a></div><div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/117f803f15.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">菁英族群房貸</h4> <p style=" font-weight: 400; ">優惠利率最低1.76%起<br>公職或年收100萬客戶</p> </div> </div> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/campaign/loanpage2022/"> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/campaign/loanpage2022/"> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/08595a7114.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">政府政策性房貸</h4> <p style=" font-weight: 400; ">取得補貼資格客戶<br>可搭配本行其他專案</p> </div> </div> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/91617d9715.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">VIP貴賓房貸</h4> <p style=" font-weight: 400; ">本行VIP貴賓專屬<br>優惠方案尊榮禮遇</p> <p></p> </div> </div> </a></div><div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/7e5e257a15.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">高資產族群房貸</h4> <p style=" font-weight: 400; ">高資產客戶專屬<br>資產達三仟萬客戶</p> </div> </div> </a></div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 60px;margin-top: 10px;"> <div style="" class="col-xs-12 col-md-12"><h2 style=" border-bottom: 2px solid #D0D0D4; font-size: 28px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 10px; margin-left: 0px; margin-right: 0px; ">資金週轉靈活加值</h2></div> </div> <div class="row" style=" margin-left: 5px; margin-right: 5px; height: 120px; "> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/ppp-1.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe;background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">二順位房貸 <span class="badge" style=" background-color: red; ">HOT</span></h4> <p style=" font-weight: 400; ">額度最高600萬元<br>貸款期間最長15年</p> </div> </div> </a></div> <div class="col-xs-6" style=" padding-left: 5px; padding-right: 5px; "> <a href="https://www.skbank.com.tw/a1832ec714.html?"> <div class="thumbnail" style=" border: 1px solid #fefefe; background-color: #f7f7f7;margin-bottom: 10px;border-radius: 10px;"> <div class="caption" style=""> <h4 style=" font-weight: 600; padding-bottom: 5px;color: #cd9b1d;">靈活回復理財房貸</h4> <p style=" font-weight: 400; ">已還款本金可隨時動用<br>活用資金超方便</p> </div> </div> </a></div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 110px;margin-top: 25px;"> <div class="col-xs-8 col-xs-offset-2" style=" text-align: center; font-weight: bold; "> <a class="btn btn-primary btn-lg" href="https://www.skbank.com.tw/9ede721114.html?" role="button" style=" width:100%; background: #ff9a45; border-color: #ff9a45; color: #ffffff; font-weight: bold; font-size: 20px; border-radius: 10px;">立即留言諮詢</a>留下電話,專員於次一營業日與您聯繫 </div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 60px;margin-top: 10px;"> <div style="" class="col-xs-12 col-md-12"><h2 style=" border-bottom: 2px solid #D0D0D4; font-size: 28px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 10px; margin-left: 0px; margin-right: 0px; ">更多貸款方案在這!</h2></div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 160px;"> <div class="col-xs-4 col-md-4" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/Cr.html?&_ga=2.20206840.1338520170.1655255398-892176117.1654746437&_gac=1.82631012.1654478748.Cj0KCQjwqPGUBhDwARIsANNwjV6jepoN322ai3JdyYyb8Qb6f1g-8nTaUXKz6NZ1W7-IEWyiWx4R5RIaAlSNEALw_wcB" class="thumbnail" style=" font-size: 16px; height: 125px; border-radius: 10px;"> <img src="/skbank_resource/leap_do/gallery/0315/1655256672767/信用貸款L2.png" alt="信用貸款">信用貸款</a> </div> <div class="col-xs-4 col-md-4" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/ppp-1.html?" class="thumbnail" style=" font-size: 16px; height: 125px; border-radius: 10px;"> <img src="/skbank_resource/leap_do/gallery/0315/1645579471503/sec.png" alt="二順位副擔保貸款" style="width: 64px;">有巢氏<br>(二順位貸款)</a> </div> <div class="col-xs-4 col-md-4" style=" padding-left: 2px; padding-right: 2px; text-align: center; "> <a href="https://www.skbank.com.tw/Carl.html?" class="thumbnail" style=" font-size: 16px; height: 125px; border-radius: 10px;"> <img src="/skbank_resource/leap_do/gallery/0315/1645579471222/car.png" alt="車貸" style=" width: 64px;">汽機車貸款</a> </div> </div> <div class="row" style="margin-left:0px;margin-right:0px;height: 60px;margin-top: 10px;"> <div style="" class="col-xs-12 col-md-12"><h2 style=" border-bottom: 2px solid #D0D0D4; font-size: 28px; font-weight: 500; line-height: 1.1; margin-bottom: 10px; margin-top: 10px; margin-left: 0px; margin-right: 0px; ">常見問題</h2></div> </div><div class="panel-group" id="accordion" role="tablist" aria-multiselectable="true" style=" padding-left: 10px; padding-right: 10px; "> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading1" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse1" aria-expanded="false" aria-controls="collapse1" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q1 新光銀行房貸的申辦流程為何?</h4> </a> </div> <div id="collapse1" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading1" aria-expanded="false" style="height: 0px;"> <div class="panel-body">Step1:申請<br> 與新光貸款專員聯繫,將由房貸專員為您詳細介紹房貸產品及申辦應準備的文件,您可以根據個人或家庭的財務規劃與需求,選擇適合自己的房貸商品組合。<br> Step2:估價<br> 新光會依據房屋坪數、座落區域及周邊生活機能等因素進行不動產估價。<br> Step3:審核<br> 新光會根據客戶基本條件、信用狀況、還款來源、負債比、不動產估價等因素來審核貸款案件。<br> Step4:簽約對保<br> 當房貸申請經銀行核准後,新光銀行會與借款人簽訂貸款契約,並由房貸專員協助借款人辦理開戶手續,該帳戶將作為日後撥款與繳款使用。<br> Step5:設定不動產<br> 對保完成至撥款前還需經過抵押權設定之程序。為確保債權,新光會進行不動產抵押權設定,地政事務所會依設定金額收取設定登記規費、書狀費及謄本費,這些費用須由借款人負擔。<br> Step6:撥款<br> 抵押權設定完成後即可準備撥款。撥款後借款人與銀行的貸款契約開始生效,借款人需每月於繳款日前將應繳金額存入帳戶中,銀行會自動將貸款本息從借款人帳戶中扣繳。<br></div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading2" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse2" aria-expanded="false" aria-controls="collapse2" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q2 辦房貸需要哪些資料?</h4> </a> </div> <div id="collapse2" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading2" aria-expanded="false" style="height: 0px;"> <div class="panel-body">備妥申請書、身分證影本(外國人則需護照、居留證(ARC)及工作證)、土地及建物所有權狀、財力證明、買賣合約。<br> *若能提供其他附加文件,將更有助於新光專員為您量身打造貸款商品<br> </div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading3" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse3" aria-expanded="false" aria-controls="collapse3" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q3 新光銀行申辦房貸需要多久時間? </h4> </a> </div> <div id="collapse3" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading3" aria-expanded="false" style="height: 0px;"> <div class="panel-body">資料準備齊全後,大約 7 個工作天左右。</div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading4" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse4" aria-expanded="false" aria-controls="collapse4" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q4 請問應如何繳付每月房貸還款金額?</h4> </a> </div> <div id="collapse4" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading4" aria-expanded="false" style="height: 0px;"> <div class="panel-body">1. 至各銀行ATM自動提款機<br> 2. 轉帳電匯<br> 3. 至新光各分行櫃檯或自動存款機存入<br> 4. 透過網路銀行轉帳<br></div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading5" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse5" aria-expanded="false" aria-controls="collapse5" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q5 如何評估自身可以負擔的房貸金額?</h4> </a> </div> <div id="collapse5" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading5" aria-expanded="false" style="height: 0px;"> <div class="panel-body">一般而言,合理的房貸支出約佔家庭總月收入的三分之一。<br> 舉例來說,王先生和太太每月收入合計新臺幣10萬元,打算在台北市買房,每月合理房貸支出約為:10萬元 × 33%= 3.3萬元,假設王先生與太太的貸款年利率為2.1%,試算後其所能負擔的貸款總額約為700萬元(每月房屋貸款支出約3.3萬元)。<a href="https://www.skbank.com.tw/76cd535916.html?" style="color: #1818b8;text-decoration:underline;"> [馬上試算] </a></div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading6" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse6" aria-expanded="false" aria-controls="collapse6" class="collapsed"> <h4 class="panel-title" style="line-height: 37.5px;">Q6 我需要準備多少自備款?</h4> </a> </div> <div id="collapse6" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading6" aria-expanded="false" style="height: 0px;"> <div class="panel-body">在衡量負擔自備款時,除了評估房屋總價的合理性以及本身所能負擔的房屋貸款外,考慮付款週期也相當重要。一般來說,預售屋自備款的付款週期較中古屋長,可減輕購屋者自備款的付款壓力,但預售屋房價往往比同區域的中古屋高出許多。新光建議,如果您買的是預售屋,建議至少準備三成的自備款,若是中古屋則建議您的自備款最好為房屋總價的四成。</div> </div> </div> <div class="panel panel-default"> <div class="panel-heading" role="tab" id="heading7" style="padding-bottom: 0px;padding-top: 0px;"> <a role="button" data-toggle="collapse" data-parent="#accordion" href="#collapse7" aria-expanded="true" aria-controls="collapse7" class=""> <h4 class="panel-title" style="line-height: 37.5px;">Q7 新光銀行房屋貸款成數有多少?</h4> </a> </div> <div id="collapse7" class="panel-collapse collapse in" role="tabpanel" aria-labelledby="heading7" aria-expanded="true" style=""> <div class="panel-body">一般來說,依房屋鑑定價值、使用現況、貸款方式、座落地點以及借款人條件等因素,將有不同成數。建議您<a href="https://www.skbank.com.tw/6bf52dc616.html?" style="color: #1818b8;text-decoration:underline;"> [洽詢新光貸款專員] </a>,替您量身打造最適合您個人資金需求的房貸商品。</div> </div> </div> </div> </div></div></div></div></div></div></div>