<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>
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<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>
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<h4 class="panel-title" style="line-height: 37.5px;">Q6 我需要準備多少自備款？</h4>
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<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>
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<h4 class="panel-title" style="line-height: 37.5px;">Q7 新光銀行房屋貸款成數有多少？</h4>
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<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>
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