首次辦理貸款時應注意哪些部份! - 貸款
By Annie
at 2014-06-12T22:47
at 2014-06-12T22:47
Table of Contents
提供自己本身在銀行服務的經驗
分享有關申請信貸的一些注意事項
基本條件:
1.年齡為20~60歲 (加計本次申貸期限不逾65歲)
2.目前有正職工作 非待業中 (現職至少3個月以上)(現職滿半年或加計前職超過一年)
3.有收入證明 (薪轉.薪資單.或扣憑)年收入至少25萬以上
4.目前持有信用卡 (非停卡正常使用中)
5.無信用不良記錄 (逾催.呆帳.強制停卡...債務協商中。)
相關規定:
1.可貸額度最高為月收入(月薪)的22倍 (信用卡分期.卡循.學貸...都會佔此額度)
2.貸款期限為1~7年
3.金管會規定各銀行開辦費必須明訂 且最高不得超過1萬元
補充說明:
信用加分 =>
1.信用卡無卡循及分期每月全額繳清。
2.任職知名企業或專技人士。
3.近三個月無聯徵查詢紀錄
信用扣分 =>
1.信用卡卡循或遲繳。
2.預借現金。
3.近期信用聯徵多家查詢(自查聯徵)。
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