<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-3563929642144363183</id><updated>2024-11-08T07:40:51.461-08:00</updated><category term="貸款"/><category term="Pixabay"/><category term="房屋貸款"/><category term="貸款名詞"/><category term="就學貸款"/><category term="耶穌基督後期聖徒教會"/><category term="Video"/><category term="其他貸款"/><category term="中壢貸款"/><category term="信用貸款"/><category term="債務"/><category term="利息"/><category term="利潤"/><category term="增貸"/><category term="投資"/><category term="抵押貸款"/><category term="永久教育基金"/><category term="銀行"/><category term="Business"/><category term="Money"/><category term="credit"/><category term="leverage"/><category term="loan"/><category term="maturity"/><category term="principle"/><category term="term"/><category term="中小企業"/><category term="中小企業放款第一名"/><category term="二胎"/><category term="付款條件"/><category term="企業融資"/><category term="信用"/><category term="信用卡"/><category term="借據"/><category term="借貸"/><category term="借貸期間"/><category term="債券市場"/><category term="內壢貸款"/><category term="利率"/><category term="到期日"/><category term="創業"/><category term="助學貸款"/><category term="原子習慣"/><category term="商業"/><category term="固定利率"/><category term="地政設定規費"/><category term="契約"/><category term="子女出國留學貸款"/><category term="平均地權條例"/><category term="微型企業"/><category term="急難貸款"/><category term="房屋抵押貸款"/><category term="房貸利率"/><category term="抵押"/><category term="收益率"/><category term="新聞"/><category term="新青年安心成家房貸"/><category term="本金"/><category term="槓桿操作"/><category term="永久教育基金貸款"/><category term="生育貸款"/><category term="結婚貸款"/><category term="義務"/><category term="自制力"/><category term="藍色公司"/><category term="藍色的業務"/><category term="藍色的金融"/><category term="藍色的銀行"/><category term="裝潢貸款"/><category term="貸款利息"/><category term="貸款條件"/><category term="資金"/><category term="轉增貸"/><category term="轉貸"/><category term="迪拜"/><category term="週轉金"/><category term="過板信商業銀行"/><category term="還款方式"/><category term="金融"/><category term="銀行業"/><category term="阿拉伯聯合酋長國"/><category term="除債行事曆"/><category term="青埔"/><category term="青埔貸款"/><category term="青年創業"/><category term="領袖啟航"/><category term="高額零利率貸款"/><category term="龍岡貸款"/><title type='text'>DÀIKUǍN 貸款中</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://www.daikuan.space/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><link rel='next' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default?start-index=26&max-results=25'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>30</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-7557778687748162903</id><published>2023-12-01T03:00:00.000-08:00</published><updated>2023-12-01T03:00:00.126-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="青埔"/><category scheme="http://www.blogger.com/atom/ns#" term="青埔貸款"/><title type='text'>青埔貸款</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSnFeNgPUujT6QZm6rr1GVuJLL-Foyk8tOnh9uTemPYHPVcEsD7mqkxpZNlfk9SqOe7G2KDni5HBXYf_hi2zTEHM4IVCmuO0Y4tfo7i_tCt9U7Zh0AuJ9Wv7aL9TpBDLUc9oi_BDhxeLls7CE6PlZVRGXtA7HRAvsmCoEB7o1sKsWgwBtzsNdxxS-hgQGb/s745/20231124105314.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="418" data-original-width="745" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSnFeNgPUujT6QZm6rr1GVuJLL-Foyk8tOnh9uTemPYHPVcEsD7mqkxpZNlfk9SqOe7G2KDni5HBXYf_hi2zTEHM4IVCmuO0Y4tfo7i_tCt9U7Zh0AuJ9Wv7aL9TpBDLUc9oi_BDhxeLls7CE6PlZVRGXtA7HRAvsmCoEB7o1sKsWgwBtzsNdxxS-hgQGb/w640-h360/20231124105314.png" width="640" /></a></div>這幾天我在跟住青埔的朋友聊天以及觀察幾個住那邊的朋友的狀況後,有些發現跟感想想要分享,我們家在2011年的時候開始在找房準備買房,那時我在群創光電的平鎮廠房工作,考量到自己的經濟能力、生活機能及離中壢教堂的距離來判斷,沒有把青埔這裡的房子列入考慮,那時我沒有把高鐵桃園站的利多考慮進去,主要是我搭過幾次高鐵到高雄,一直覺得費用不划算,直到最近開車上高速公路到高雄那種塞車很嚴重的問題後,才開始又考慮到高鐵的搭乘。這個桃園青埔,原本是荒涼之地,直到高鐵桃園站選擇設置在此,大型商業設施、房屋建案紛紛進駐,生活機能與商業活動也逐漸完善,導致房價不斷飆升,最高甚至有6字頭,眾人紛紛看好青埔的發展之際,小資族或首購族也紛紛下重本給它投資下去。<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEpV4Ci4kbYwZgDcIw-cNwwVoPdzVB0l4ZRhgzs4p7nUSRC0a1mo9Y9hNLHb9SPJjm6yCXu1XTxvaHOzZBzamTrIBRQSiWk4RshelJGfrYEA-zo0EQF5EE5QrLHn2Bfsq93-mPJm6XuiKMg7AhgRQnxgGSha92042UWiD5aWuBZccC06ZYFFBl1n2q4Wpp/s777/outline_house_five_steps.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="耶穌基督後期聖徒教會的財務管理成功藍圖" border="0" data-original-height="777" data-original-width="640" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEpV4Ci4kbYwZgDcIw-cNwwVoPdzVB0l4ZRhgzs4p7nUSRC0a1mo9Y9hNLHb9SPJjm6yCXu1XTxvaHOzZBzamTrIBRQSiWk4RshelJGfrYEA-zo0EQF5EE5QrLHn2Bfsq93-mPJm6XuiKMg7AhgRQnxgGSha92042UWiD5aWuBZccC06ZYFFBl1n2q4Wpp/w528-h640/outline_house_five_steps.webp" title="耶穌基督後期聖徒教會的財務管理成功藍圖" width="528" /></a></div>有讀過教會<a href="https://www.churchofjesuschrist.org/study/manual/personal-finances-for-self-reliance?lang=zho" target="_blank">個人理財自立</a>的朋友應該很清楚會學習到,在考慮房屋擁有權的人,請記住這兩個原則:<div><ul style="text-align: left;"><li>只有時間和地點都對了才買房子。</li><li>只買自己可以輕鬆負擔的房子。</li></ul><div>大多數買房子的人會使用一種稱為抵押的貸款。這筆抵押貸款是債務,而且必須支付利息。你必須按月付款,以償還貸款。</div><div><br /></div><div>為長期的財務穩定考量,<span style="background-color: #fcff01;">你每個月償還抵押貸款的金額不應超過月收入的百分之25</span>。要用這個做為你能負擔多少的指南,而不是放款機構願意貸給你多少。</div></div><p>我自己是沒有好好考慮到要買自己可以輕鬆負擔的房子,我的房貸佔據了我的月收入快一半,現在一問到這些小資族的朋友們買到的房子,都是超過月收入一半以上的,這如果在工作還順利的情況下就還好,如果像我那樣有碰到轉職或是失業,那鐵定是壓力山大了。</p><p>桃園青埔重劃區儼然成為淘金客想要來此淘金的地方,不僅投資客來,對自住客的吸引力也愈來愈大,青埔房價也從2016年出現明顯漲勢,預售屋一路從每坪25萬元衝破4字頭,預售案「威均青塘園」去年10月次頂樓、24樓戶交易,單價63.8萬元,刷新青埔最高單價紀錄,也是桃園市最高,縱使政府打房措施下來,這個青埔短期房價要下跌是萬萬不可能的了,如果說可以抑制房價上漲,那就還可以,不過對小資族來說可能還是只能望屋興嘆了,或是背下龐大債務在這個青埔地區,有心貸款的朋友還是要注意一下。</p><p>想當初青埔那邊一片荒涼,龍岡這裡的生活機能還比青埔那邊好很多,全聯、家樂福或小吃店都不缺,甚至菜市場也有超大型的忠貞市場甚至被規劃為觀光地點,但是青埔的金融機構,卻如雨後春筍那樣冒出來,目前的金融機構有:</p><p></p><ul style="text-align: left;"><li>大園區農會青埔辦事處:2018/12/04啟用</li><li>台灣銀行亞矽創新分行(中壢區青峰路一段37號),是該銀行中壢第5間分行:2019/04/02啟用</li><li>台灣新光商業銀行青埔分行,由中壢壢新分行遷移:2021/09/17啟用</li><li>台灣土地銀行青埔分行,是該銀行中壢第4間分行:2021/12/20啟用</li><li>三信商業銀行青埔分行,是該銀行中壢第1間分行:2022/03/29啟用</li><li>彰化商業銀行青埔分行,是該銀行中壢第4間分行:2022/09/28啟用</li><li>合作金庫商業銀行青埔分行,是該銀行中壢第4間分行:2023/01/09啟用</li><li>第一商業銀行青埔分行,是該銀行中壢第5間分行:2023/05/30啟用</li><li>中國信託商業銀行青埔分行,是該銀行中壢第4間分行:2023/11/28啟用</li><li>中壢青埔郵局</li></ul><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBhx8JZePKvXd47X4HTDapfaPS4BuoC88U59HZDmSgqJhpU7xWpjLz6uvbKuHAsCQTEjGsiQ_fy2F-IrNY8xWjR6Iql_Y8sRxwGudEcGCg15f_WL-BD9SkeXVhiFKsQsG88-2GqyB0JytO8FArvbxg_32pCIMEUSQ4osnIj-CFUheRO00Y1v9onBHuaxrr/s920/20231201150630.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="920" data-original-width="666" height="640" 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src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRYF-GB-s2CIQlfIGu8LuOnnERRZr0TKNXv6peaL1YnRrCM9KZ1OxEh41tEXKVBS3adT_R5hmpI4Ts-ZNEEkCMOhCn0BhYQFRFuW9QPwB7rnEGQ9GIZ0BFUf5ESgFNE4E8-AZBxGb3Ia0WlPBBjX6aN3RLvcE_W6qfY75ZNDAXwyV2f0llbz45L7n3CNqY/w640-h254/20231128115606.png" width="640" /></a></div><br /><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgHe8hlxIi-zJXkEH6uRvY2Oo1yWnZJxoLlupKqGJ1xEv9dZkHb1heiE8gOhO36CprtoBun0zZcyA7Z1DXqOkgk9OLZOX4oWsnYt65Ye3-aHrfAEIsKiaFOQtApjxpQL2tnaK1dyRebc0hpuh49huV6oOMYiNI07yyRj84cctNld5Wb8aME7xc2IJxRPF_/s754/20231129100426.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="697" data-original-width="754" height="592" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgHe8hlxIi-zJXkEH6uRvY2Oo1yWnZJxoLlupKqGJ1xEv9dZkHb1heiE8gOhO36CprtoBun0zZcyA7Z1DXqOkgk9OLZOX4oWsnYt65Ye3-aHrfAEIsKiaFOQtApjxpQL2tnaK1dyRebc0hpuh49huV6oOMYiNI07yyRj84cctNld5Wb8aME7xc2IJxRPF_/w640-h592/20231129100426.png" width="640" /></a></div><br /><div><div>有銀行行員坦言,隨著房價飆漲,平均客層負債比也越來越不妙,建議若真的想買房,也要好好觀察看看,根據現在看到的案件來分享市況,提醒各位要有風險觀念。</div><div><br /></div><div>網友看了也有感而發,紛紛留言「桃園新竹洗的真是兇狠」、「成交量縮成這樣,到底去哪拐出這些接刀俠來」、「今年買房是真的有點太晚了,景氣已經開始反轉,從股市可見一斑」、「業內的都知道今年科技業會衰退,還是保守一點比較好」、「我的外商理專也是這樣說,所以他們現在放貸非常謹慎,尤其是雙北以外」。</div></div><div><br /></div><div>好了,在這個景氣不妙的年代,真的要牢牢握緊現金,貿然投資都將有很大的風險,請各位小心再小心。</div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/7557778687748162903/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/12/Qingpu Loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7557778687748162903'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7557778687748162903'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/12/Qingpu Loan.html' title='青埔貸款'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSnFeNgPUujT6QZm6rr1GVuJLL-Foyk8tOnh9uTemPYHPVcEsD7mqkxpZNlfk9SqOe7G2KDni5HBXYf_hi2zTEHM4IVCmuO0Y4tfo7i_tCt9U7Zh0AuJ9Wv7aL9TpBDLUc9oi_BDhxeLls7CE6PlZVRGXtA7HRAvsmCoEB7o1sKsWgwBtzsNdxxS-hgQGb/s72-w640-h360-c/20231124105314.png" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-2542099216430148804</id><published>2023-11-14T03:00:00.000-08:00</published><updated>2023-11-14T03:00:00.142-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="中壢貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="企業融資"/><category scheme="http://www.blogger.com/atom/ns#" term="內壢貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="就學貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="平均地權條例"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="新青年安心成家房貸"/><title type='text'>內壢貸款</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFjXTcXLF-AQ0xTabgMqlGRVrwjY39EKNvn7rO58Pb5PzdmMdwINxnIjQgDpPjD5TkJNqyNJ6qRGHh6D105qItPwg45FjTkGAYTxp2YY8F7U1WenLrg4rRYnAbtjLY-ECX8QzUAXc3IGlwxRmpdBt1QWstmZDwjRV1a9Cn7z81K63FrWjeDJ-IqBiI4HNa/s1280/money-2724245_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="734" data-original-width="1280" height="368" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFjXTcXLF-AQ0xTabgMqlGRVrwjY39EKNvn7rO58Pb5PzdmMdwINxnIjQgDpPjD5TkJNqyNJ6qRGHh6D105qItPwg45FjTkGAYTxp2YY8F7U1WenLrg4rRYnAbtjLY-ECX8QzUAXc3IGlwxRmpdBt1QWstmZDwjRV1a9Cn7z81K63FrWjeDJ-IqBiI4HNa/w640-h368/money-2724245_1280.jpg" width="640" /></a></div>雖然大叔不住內壢,對這裡的歷史沿革也不是很清楚,但一些地理人文,像是原內壢工業區擴建改稱中壢工業區,是我每天上班會去的地方,我已經在那個工業區工作快7年了。在後站那邊也有一些人住在眷村改建的國宅中,偶爾我會過去找幾個教友拜訪。最常去的應該就是元智大學了,我2004年在元智大學上在職專班,畢業之後也成為校友常去圖書館借書來看,所以也算挺熟的。<div>該次分區目前的金融機構包括有臺灣銀行、中華郵政、第一銀行、臺灣企銀、土地銀行、台中銀行、彰化銀行、渣打國際商業銀行、中國信託商業銀行、聯邦商業銀行、永豐銀行、華南銀行等。對比於龍岡地區只有一家銀行來說,內壢地區真的是比較繁榮,龍岡這裡是不是要變成金融沙漠了,或許可以拭目以待。</div><div>在第一銀行的<a href="https://www.firstbank.com.tw/sites/fcb/touch/zh_TW/0072805" target="_blank">內壢分行</a>網頁,還有介紹特殊業務:</div><div><ul class="mb-0" style="box-sizing: inherit; color: #212529; font-family: &quot;Noto Sans TC&quot;, 微軟正黑體, &quot;Microsoft Yahei&quot;, 微软雅黑, STXihei, 华文细黑, sans-serif; font-size: 16px; line-height: 1.325; margin: 0px; padding: 0px;"><li style="box-sizing: inherit; list-style: disc; margin-bottom: 0.5rem; margin-left: 20px; margin-top: 0.5rem; position: relative;">人民幣現鈔買賣單位</li><li style="box-sizing: inherit; list-style: disc; margin-bottom: 0.5rem; margin-left: 20px; margin-top: 0.5rem; position: relative;">外匯指定單位</li><li style="box-sizing: inherit; list-style: disc; margin-bottom: 0.5rem; margin-left: 20px; margin-top: 0.5rem; position: relative;">外幣現鈔買賣單位</li><li style="box-sizing: inherit; list-style: disc; margin-bottom: 0.5rem; margin-left: 20px; margin-top: 0.5rem; position: relative;">公益彩券批售兌獎處</li></ul><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;">臺灣企銀的內壢分行,有企業融資諮詢服務的附加服務。</span></div><div><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;"><br /></span></div><div><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;">要查就學貸款的承貸銀行,找到的銀行有︰臺灣銀行、台北富邦銀行、高雄銀行、臺灣土地銀行。</span></div><div><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;">如果我是要查就學貸款的資訊,臺灣銀行的資訊是這樣:</span></div><div><span style="color: #212529;">0417<span style="white-space: pre;"> </span>中壢分行<span style="white-space: pre;"> </span>桃園市中壢區延平路580號<span style="white-space: pre;"> </span>03-4252160<span style="white-space: pre;"> </span>桃園縣(含長庚科大嘉義分部)</span></div><div><span style="color: #212529;">表示內壢分行沒有承辦,中壢分行有承辦就學貸款。</span></div><div>如果我查土地銀行的話,有備註:本行目前僅承辦國立高雄大學一家學生就學貸款,如有申請需求,請洽本行高雄分行辦理。</div><div><br /></div><div><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;">房屋貸款的部份:</span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimlchZfxucqW55Zm-9eLgxhyDAof3sodkgNt-uBhGruTVnJDzPS42m_hCg3bP9FlnpqgQmFE7jnj43OG0gD31650dn7cci_RTAYBjiQdtD8K7v6pllnJROrZkc10pOcUnvp1-FXPHHaXxTEL2iZ-KQDpZqDadSy9STe3uXwTVHfMBxjEF6oOVucamx_PMv/s682/20231003172126.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="177" data-original-width="682" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimlchZfxucqW55Zm-9eLgxhyDAof3sodkgNt-uBhGruTVnJDzPS42m_hCg3bP9FlnpqgQmFE7jnj43OG0gD31650dn7cci_RTAYBjiQdtD8K7v6pllnJROrZkc10pOcUnvp1-FXPHHaXxTEL2iZ-KQDpZqDadSy9STe3uXwTVHfMBxjEF6oOVucamx_PMv/w640-h166/20231003172126.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div>中國信託的房屋貸款額度最高85成,很有吸引力。<br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzwwNo8q-KQJLch-uoUOJNKWK5TApqV7O01jCKEGnmYd15rG0JV15iMWDyrLrq2UeB5FJmXiu38gJYXyS4thkys62VTO7gjKPQn9YuUqgTq5ov8X2y35ko9ZujBPMZYKYpj7Snp6eg59Q_WzRcBUMBM6SrXMfe3QRFXcJC-Ur5OLVfZ3xlJbCIgcptHTYb/s675/20231004104630.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="166" data-original-width="675" height="158" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzwwNo8q-KQJLch-uoUOJNKWK5TApqV7O01jCKEGnmYd15rG0JV15iMWDyrLrq2UeB5FJmXiu38gJYXyS4thkys62VTO7gjKPQn9YuUqgTq5ov8X2y35ko9ZujBPMZYKYpj7Snp6eg59Q_WzRcBUMBM6SrXMfe3QRFXcJC-Ur5OLVfZ3xlJbCIgcptHTYb/w640-h158/20231004104630.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;">台新銀行的房屋轉增貸,利率2.14%起,也很有吸引力喔!雖然內壢沒有台新的分行,但是這個活動可以網路申辦,還享有手續費折抵2000元的優惠,至於後續是不是還要到銀行辦理手續,我就不清楚了,可以跟銀行客服詢問。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">另外我覺得國泰世華很強的是,在內壢沒有分行,不靠廣告,他們的Google搜尋可以做在<a href="https://www.cathaybk.com.tw/cathaybk/personal/loan/product/mortgage/" target="_blank">第一頁</a>真是厲害,他們的一般購屋貸款網頁朋友們可以參考看看,這是不是很強。</div><div class="separator" style="clear: both; text-align: left;"><p class="MsoNormal"><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">臺灣自從</span><span lang="EN-US">2020</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年</span><span lang="EN-US">12</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月央行第</span><span lang="EN-US">1</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">波打炒房以來,到今年</span><span lang="EN-US">2023</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年</span><span lang="EN-US">7</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">月實施的《平均地權條例》修正案,這被譽為史上最重打炒房政策,在這一片打炒房風暴中,真正受到影響的只是投機的炒房族群,對自住族的我們來說雖會多出較多的好房來選擇,但是房價偏高也已是大部分無殼蝸牛的既定觀念,我個人是很慶幸在</span><span lang="EN-US">2020</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年前買了中古屋來住,這個選擇應該決定的還可以,雖然現在的生活還是很困苦,不過為了將來的財務自由,還是可以苦中作樂的。</span><span lang="EN-US"><o:p></o:p></span></p> <p class="MsoNormal"><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">臺灣在一份國際權威資料庫《</span><span lang="EN-US">Numbeo</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">》所做出的「房價收入比」(</span><span lang="EN-US">Property Prices Index by Country 2021</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">)列表中排名第</span><span lang="EN-US">14</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">位,亦即世界上最難買房第</span><span lang="EN-US">14</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">名的國家,比值為</span><span lang="EN-US">21.78</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">,僅次於第</span><span lang="EN-US">12</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">名的南韓(</span><span lang="EN-US">South Korea</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">),是少數在前幾名國家中發展程度較好的已開發國家。</span><span lang="EN-US"><o:p></o:p></span></p> <p class="MsoNormal"><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">台灣的狀況是在經濟不景氣、國人平均所得降到比</span><span lang="EN-US">30</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">年前還低的窘境,許多從外地來大都市打拚、為自己人生奮鬥的上班族,想要買個安身立命的房子根本難如登天,加上房價不斷上揚、薪水始終不見調漲,買房根本不可能。</span><span lang="EN-US"><o:p></o:p></span></p> <p class="MsoNormal"><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">現在有了打炒房,再加上「新青年安心成家房貸」</span><span lang="EN-US">8/1</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">上路,公股銀與政府利息補貼共計</span><span lang="EN-US">0.375</span><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">個百分點,首購族利息壓力相對其他房貸「低很多」,帶動了一波自住、剛性的買房需求。</span><span lang="EN-US"><o:p></o:p></span></p> <p class="MsoNormal"><span style="font-family: &quot;新細明體&quot;,serif; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin;">符合民法規定之成年年齡以上,且借款人、配偶及未成年子女均無自有住宅者的都符合這個資格來申請,想要在內壢買房的民眾可以好好考慮跟區內的臺灣銀行、第一銀行、臺灣中小企業銀行(臺灣企銀)、土地銀行、彰化銀行、華南銀行等公股銀行培養良好的信用。</span><span lang="EN-US"><o:p></o:p></span></p></div><br /><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;"><br /></span></div><div><span face="Noto Sans TC, 微軟正黑體, Microsoft Yahei, 微软雅黑, STXihei, 华文细黑, sans-serif" style="color: #212529;"><br /></span></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/2542099216430148804/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/11/Neili Loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2542099216430148804'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2542099216430148804'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/11/Neili Loan.html' title='內壢貸款'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjFjXTcXLF-AQ0xTabgMqlGRVrwjY39EKNvn7rO58Pb5PzdmMdwINxnIjQgDpPjD5TkJNqyNJ6qRGHh6D105qItPwg45FjTkGAYTxp2YY8F7U1WenLrg4rRYnAbtjLY-ECX8QzUAXc3IGlwxRmpdBt1QWstmZDwjRV1a9Cn7z81K63FrWjeDJ-IqBiI4HNa/s72-w640-h368-c/money-2724245_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-3609375469326236054</id><published>2023-09-23T01:22:00.000-07:00</published><updated>2023-09-23T01:22:18.609-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="leverage"/><category scheme="http://www.blogger.com/atom/ns#" term="maturity"/><category scheme="http://www.blogger.com/atom/ns#" term="principle"/><category scheme="http://www.blogger.com/atom/ns#" term="term"/><category scheme="http://www.blogger.com/atom/ns#" term="付款條件"/><category scheme="http://www.blogger.com/atom/ns#" term="借據"/><category scheme="http://www.blogger.com/atom/ns#" term="借貸"/><category scheme="http://www.blogger.com/atom/ns#" term="借貸期間"/><category scheme="http://www.blogger.com/atom/ns#" term="債券市場"/><category scheme="http://www.blogger.com/atom/ns#" term="利率"/><category scheme="http://www.blogger.com/atom/ns#" term="到期日"/><category scheme="http://www.blogger.com/atom/ns#" term="固定利率"/><category scheme="http://www.blogger.com/atom/ns#" term="契約"/><category scheme="http://www.blogger.com/atom/ns#" term="收益率"/><category scheme="http://www.blogger.com/atom/ns#" term="本金"/><category scheme="http://www.blogger.com/atom/ns#" term="槓桿操作"/><category scheme="http://www.blogger.com/atom/ns#" term="義務"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款名詞"/><title type='text'>我的巧克力棒換你的跳繩:借貸、利率以及債券市場</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5Ms_pe-QLfhp9DPxyEUiHe0QjMWBjGZiQ0zTnJXUZaqKwpIIcgIYEyjFkJ9k32wHePPFOoe6Z52cIFICUdUXODHcZ51hMsGH-nkH0dz8y6K0xObOdAkCx5dUJjcwuVfwokAM7oSHdixZuRuqxqWBFxgswSRGiSaIOoNjzZFjd9Q-4t__AOtnqYjzJ6M_B/s407/986489480.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="407" data-original-width="278" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5Ms_pe-QLfhp9DPxyEUiHe0QjMWBjGZiQ0zTnJXUZaqKwpIIcgIYEyjFkJ9k32wHePPFOoe6Z52cIFICUdUXODHcZ51hMsGH-nkH0dz8y6K0xObOdAkCx5dUJjcwuVfwokAM7oSHdixZuRuqxqWBFxgswSRGiSaIOoNjzZFjd9Q-4t__AOtnqYjzJ6M_B/w438-h640/986489480.jpg" width="438" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div>在《<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010893375?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" target="_blank">金融市場這樣比喻你就懂:33個神比喻,讓你讀懂金融市場的遊戲規則與陷阱</a>》裡有這樣一章我的巧克力棒換你的跳繩:借貸、利率以及債券市場,大叔在裡面學到了很多貸款相關的名詞透過簡單的比喻來了解,朋友們可以找來讀讀看,這一章原來的英文是:Racking It Up: Debt, and Why It's Not Always a Bad Thing,這個看起來就很直覺,負債或說是貸款,看來也不總是壞事,是吧!<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1vEywqImuMoOXERiwkrqcGk6ku5TUJ9RUV1QeqqOEBEz4Vlwdd_Hbw-1z8VehYQit-tOv0b--N7k6TVD4tzVrLZxlh3SCINpWrPYcl6sEaCq_b7khtgYlhvuWClMTh5m8kPcG8OJSVnbL0EHs_4bGCa-Sk9nmoK4F0LWn-fgqHKf-ljp5fL-JgaTq9Hlz/s921/20230922163939.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="708" data-original-width="921" height="492" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1vEywqImuMoOXERiwkrqcGk6ku5TUJ9RUV1QeqqOEBEz4Vlwdd_Hbw-1z8VehYQit-tOv0b--N7k6TVD4tzVrLZxlh3SCINpWrPYcl6sEaCq_b7khtgYlhvuWClMTh5m8kPcG8OJSVnbL0EHs_4bGCa-Sk9nmoK4F0LWn-fgqHKf-ljp5fL-JgaTq9Hlz/w640-h492/20230922163939.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;">作者Paddy Hirsch說槓桿操作(leverage)比較常用,看來這是專家才會常用,我們這種凡人只好再Google看看維基如何說:</div><div class="separator" style="clear: both; text-align: left;"><div class="separator" style="clear: both;">槓桿(英語:Leverage, Gearing),屬於財經會計用語,或稱資金槓桿,是指舉債投資於高風險的事業或活動,例如操作具有10倍契約保證金或權利金價值的期貨或選擇權商品契約。當遇到投資獲利不如預期時,槓桿作用的乘數效果,會加速企業的虧損以及資金的缺口,並可能影響整體的經濟環境。而負債比就是資金槓桿的一個指標,負債比越高,槓桿效果就越大。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">同時,資金槓桿的乘數效果是雙向的,當公司運用借貸的資金獲利等於或高於預期時,對股東的報酬將是加成;相反的,當獲利低於預期,甚至發生虧損時,就有如屋漏偏逢連夜雨,嚴重者就是營運中斷,走上清算或破產一途,使得股東投資化成泡沫。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">槓桿是一個多方面、複雜的工具,由於槓桿放大收益與損失,所以自然人和企業的經營者應該很嚴肅的看待這個比率,企業於擴張或從事併購而有長期的資金需求時,應謹慎評估其決策對負債比的影響;而首次投資者通常應該避免槓桿,直到他們具備更多的經驗。</div></div>維基還有提到對應金融商品:<div><br /></div><div><br /><p></p><table class="wikitable"> <tbody><tr> <th>標的物</th> <th>商品</th> <th>權益</th> <th>風險</th> <th>常見負債比 </th></tr> <tr> <td>房屋</td> <td>個人房屋擔保貸款</td> <td>房屋使用權、增值收益、租金收益</td> <td>資產價格下跌、升息、天災、失業</td> <td>60%~80% </td></tr> <tr> <td>房屋</td> <td>逆抵押</td> <td>房屋使用權、變現收益</td> <td>早逝、升息、天災</td> <td>60%~80% </td></tr> <tr> <td>汽車</td> <td>汽車貸款</td> <td>汽車使用權</td> <td>折舊、油價上升、盜竊、天災、交通意外、失業</td> <td>60%~80% </td></tr> <tr> <td>設備</td> <td>融資租貸</td> <td>設備使用權</td> <td>新技術出現、盜竊、意外損壞、天災</td> <td>0~90% </td></tr> <tr> <td>股票</td> <td>孖展 / 股票融資</td> <td>分紅權利、增值收益、控制權</td> <td>資產價格下跌、匯率、升息、天災</td> <td>30~80% </td></tr> <tr> <td>無形資產</td> <td>資產抵押貸款</td> <td>專利、商標、版權、域名的使用權</td> <td>新技術出現、醜聞、法律糾紛、政策變動</td> <td>0~50% </td></tr> <tr> <td>軟體</td> <td>SaaS貸款</td> <td>SaaS所得之現金流</td> <td>新技術出現、盜版、法律糾紛、政策變動</td> <td>0~70% </td></tr></tbody></table><p></p><div class="separator" style="clear: both;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi14EE2unr6NvI1_v_grFstMeVCoCtszMZwgMOfZMdmKo0XSHbXIEHIUKiqyASk_IN84v3GzmDAPqj20tS9z_BDI6XoGKCIZEVX9WKqYheX3UoJDeuRDCqvFJgYf04Fuvcfe2dxPkLOPIq_n5BlGeFpusm9x_oZA52I-i554Pu-Nozc3pIQYMIweUhYWsPW/s874/20230923101507.png" style="display: block; padding: 1em 0px; text-align: center;"><img alt="" border="0" data-original-height="814" data-original-width="874" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi14EE2unr6NvI1_v_grFstMeVCoCtszMZwgMOfZMdmKo0XSHbXIEHIUKiqyASk_IN84v3GzmDAPqj20tS9z_BDI6XoGKCIZEVX9WKqYheX3UoJDeuRDCqvFJgYf04Fuvcfe2dxPkLOPIq_n5BlGeFpusm9x_oZA52I-i554Pu-Nozc3pIQYMIweUhYWsPW/s600/20230923101507.png" width="600" /></a>我覺得這一節寫的很好,教小孩分享等同於學習義務(obligation)跟契約(contract)。</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM-2UHBuDLeRD_CGDRhOu__3ds81hLMieJuqDCmTvSRDS7TwMyPunT6jLry60OnGD8yMivd2KE34rOQrdm3QfRbkZnf_iMFsZ-6YBZUvrwbw4SzlifdckGJvawLM9R0NPnz2oh8qn_uqCp9dVWuQSSsEXXSeDFli9aD85eMD1Vsnr3twTKP-t2BiYMtieI/s806/20230923103117.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="422" data-original-width="806" height="336" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM-2UHBuDLeRD_CGDRhOu__3ds81hLMieJuqDCmTvSRDS7TwMyPunT6jLry60OnGD8yMivd2KE34rOQrdm3QfRbkZnf_iMFsZ-6YBZUvrwbw4SzlifdckGJvawLM9R0NPnz2oh8qn_uqCp9dVWuQSSsEXXSeDFli9aD85eMD1Vsnr3twTKP-t2BiYMtieI/w640-h336/20230923103117.png" width="640" /></a></div><br /><div class="separator" style="clear: both;"><br /></div><p></p></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieBK7eKdKOIl1ID8sFJBLnuTGOV55eiKQhvV-vUXvO02XjWwHJEvg2pDtshRgpnSrLPKjXrxQq-J2_XJk_0YIgsRjDXgLxvC5GJDzktzGU73cEU6innAGLQB5PEAc6Ukh9htC9wdGZd2tIqrv2tATaLn49sxrS0pMkANglt0_i7FVyTqNLJ1Wgq0E59KT8/s910/20230923142043.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="735" data-original-width="910" height="516" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieBK7eKdKOIl1ID8sFJBLnuTGOV55eiKQhvV-vUXvO02XjWwHJEvg2pDtshRgpnSrLPKjXrxQq-J2_XJk_0YIgsRjDXgLxvC5GJDzktzGU73cEU6innAGLQB5PEAc6Ukh9htC9wdGZd2tIqrv2tATaLn49sxrS0pMkANglt0_i7FVyTqNLJ1Wgq0E59KT8/w640-h516/20230923142043.png" width="640" /></a></div>這裡在講借貸,提到了借據,這個借據的紙被用來當成債務的統稱,代替貸款或債券等用詞,讀到這裡回頭再看維基的<a href="https://www.daikuan.space/2023/08/Loanwiki.html">借貸</a>說明是不是就簡單多了?借據上說明了借貸的條件,包括本金(principle )是一條跳繩 ' 借貸期間(term )為5天,到期日(maturity )是星期五,還載明了固定利率(interest rate )以及付款條件(payment schedule )、亦即一天要付一條好時巧克力棒。借據有點像是條件書(term sheet )-這一詞是銀行家用來指稱他們要貸款給個人或公司戶時擬定的文件。<div>跟銀行貸過款的人應該都知道利息這件事,但對銀行借貸部門的人說還有一個用詞,叫做收益率(yield),很多名詞用法可以在這本書獲得簡單的比喻及說明,所以說-當你申請貸款時,非常重要的是要小心注意銀行給你的文件說明-並了解銀行的用語。你需要的所有資訊都會列在貸款相關文件中,但不幸的是,這些條件不會像湯米和金姆的借據契約這樣-清楚簡單地一一羅列出來。也因此,你需要有人幫忙翻譯。最重要的是,要弄清楚你的義務範圍。把專業術語一一抽絲剝繭,貸款文件其實就是借據:文件會告訴你要付出什麼以及何時要付。還有,簽署借據或貸款文件,並非小事。你這是在訂下一份有法律效力的協議-許下未來會付錢的道德承諾。當湯尼簽署這張小紙條並交給金姆時-他便許下了承諾,保證日後會連本帶利還她。就像拉</div><div>丁諺語一樣:dictum meum pactum。</div><div><br /></div><div>&nbsp; 意思是-我說了就算數。</div><div><br /></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/3609375469326236054/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/Debt-and-Why-ITs-Not-always-a-bad-thing.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3609375469326236054'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3609375469326236054'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/Debt-and-Why-ITs-Not-always-a-bad-thing.html' title='我的巧克力棒換你的跳繩:借貸、利率以及債券市場'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5Ms_pe-QLfhp9DPxyEUiHe0QjMWBjGZiQ0zTnJXUZaqKwpIIcgIYEyjFkJ9k32wHePPFOoe6Z52cIFICUdUXODHcZ51hMsGH-nkH0dz8y6K0xObOdAkCx5dUJjcwuVfwokAM7oSHdixZuRuqxqWBFxgswSRGiSaIOoNjzZFjd9Q-4t__AOtnqYjzJ6M_B/s72-w438-h640-c/986489480.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-1465610937800692360</id><published>2023-09-20T20:54:00.003-07:00</published><updated>2023-09-20T20:55:07.848-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="地政設定規費"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="房貸利率"/><category scheme="http://www.blogger.com/atom/ns#" term="新聞"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>【新聞】超殺活儲6%來了 將來銀行存6萬最高領600</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSpXO-LCVedPt23rrFeVwrnK3rtS1j8yrd5TY94dhFqznFXH3wgZx3o5eRTCP4jitIFAf4_vLmCA3su2rOlLDsrEUQRjGKwqw4R398HcA6Vb3WPnhM9i_Y0W1z5gvuEdVzos21o00JoRyVpcRr04AdAcNvs_3pdmBPsNvFmfpM3EHIRC4e-KNw3DwnYs56/s799/169518833412089_P25325141.webp" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="422" data-original-width="799" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSpXO-LCVedPt23rrFeVwrnK3rtS1j8yrd5TY94dhFqznFXH3wgZx3o5eRTCP4jitIFAf4_vLmCA3su2rOlLDsrEUQRjGKwqw4R398HcA6Vb3WPnhM9i_Y0W1z5gvuEdVzos21o00JoRyVpcRr04AdAcNvs_3pdmBPsNvFmfpM3EHIRC4e-KNw3DwnYs56/w640-h338/169518833412089_P25325141.webp" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: #fafafa; color: #333333; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 16px; letter-spacing: 2px; text-align: start;">將來銀行推「666」超好康 活儲6萬享6%、支付回饋6%。圖文/將來銀行提供</span></div><p></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">將來銀行宣布,即日起至年底開立純網銀「將來銀行 NEXT BANK」帳戶並完成裝置綁定,可享最高6萬元、利率6%、最多60天的存款優惠,較於市面上大多數數位存款帳戶的利率高出2倍有餘,而且沒有身份限制、只需18歲以上即可享有,換算可獲得近600元利息。</p><div class="separator" style="clear: both;"><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;"></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">不僅如此,將來銀行表示,不分新舊戶,也給予30萬(含)元內1.3%的優利活存利率,超過30萬元則享1%無上限,相較於一般銀行活存約0.58%高出二倍有餘。</p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;"></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">以儲蓄30萬為例,存將來銀行3個月利息可領約975元,較一般銀行的435元高出540元。</p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;"></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">時序金秋,即將進入房市928檔期,將來銀行 NEXT BANK 除延續2.06%起的超低房貸利率外,更延續「100%補貼」回饋,凡貸款800萬元以上,可享「地政設定規費」補貼100%回饋,開辦費更只有少少2500元,且新貸、轉貸、轉增貸均適用。</p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;"></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">中秋連假、國慶連假、聖誕跨年等旅行旺季,將來銀行 NEXT BANK 也延續「優款將將粉」,除刷將將卡最高享6%至10%不等的優惠外,至年底前凡是中華電信月租型門號客戶,投保將來銀行 NEXT BANK 海外旅平險時輸入「CHTINS」優惠碼,即可享0元起漫遊方案。</p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;"></p><p style="background-color: #fafafa; box-sizing: border-box; font-family: &quot;Noto Sans TC&quot;, 黑體-繁, &quot;Apple LiGothic Medium&quot;, PingFang, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;WenQuanYi Zen Hei&quot;, helvetica, Arial, sans-serif; font-size: 20px; letter-spacing: 1px; margin: 0 0 var(--article-gap); text-align: justify; word-break: break-all;">將來銀行 NEXT BANK 此波與股東中華電信、兆豐產險合作推出的旅平險優惠專案,讓國人至日、韓、東南亞、中港澳、美加、紐西蘭、澳大利亞旅行,可獲得旅行平安、旅行不便跟海外急難救助保障外,提供7至30天不等的漫遊方案,只要保費達880元,即可以0元購入2GB漫遊方案;保費未達880元,也可以88元或168元的優惠價加購原門號漫遊。</p></div><p><br /></p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/1465610937800692360/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/NEXT-BANK-demand-deposit-6.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/1465610937800692360'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/1465610937800692360'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/NEXT-BANK-demand-deposit-6.html' title='【新聞】超殺活儲6%來了 將來銀行存6萬最高領600'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSpXO-LCVedPt23rrFeVwrnK3rtS1j8yrd5TY94dhFqznFXH3wgZx3o5eRTCP4jitIFAf4_vLmCA3su2rOlLDsrEUQRjGKwqw4R398HcA6Vb3WPnhM9i_Y0W1z5gvuEdVzos21o00JoRyVpcRr04AdAcNvs_3pdmBPsNvFmfpM3EHIRC4e-KNw3DwnYs56/s72-w640-h338-c/169518833412089_P25325141.webp" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-7844469537243612336</id><published>2023-09-20T17:50:00.003-07:00</published><updated>2023-09-20T17:50:49.787-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="中壢貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="信用貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="過板信商業銀行"/><category scheme="http://www.blogger.com/atom/ns#" term="龍岡貸款"/><title type='text'>龍岡貸款</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCe-vqlsdhng5kJx0rdkKz8u66Zr8i0qmYqLUDRwfZyxHmy2y-991pwnywxvU9ry6bnrW9V0BWDV79IghGjJo2Lm4ECSE1GTRQMQmU2I9DYkLQA9b5TRcEWjGQcPzN9qgs1D2JXILMSATAnCG-uz8uzfg_tYcY7xZMhX_cGYF81Nu31ObHdZWwpYvCMyTC/s1280/money-2696229_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="738" data-original-width="1280" height="370" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCe-vqlsdhng5kJx0rdkKz8u66Zr8i0qmYqLUDRwfZyxHmy2y-991pwnywxvU9ry6bnrW9V0BWDV79IghGjJo2Lm4ECSE1GTRQMQmU2I9DYkLQA9b5TRcEWjGQcPzN9qgs1D2JXILMSATAnCG-uz8uzfg_tYcY7xZMhX_cGYF81Nu31ObHdZWwpYvCMyTC/w640-h370/money-2696229_1280.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;"><br /></div>有一個晚上我騎車在龍東路上,經過板信商業銀行龍岡分行時突然想到這一帶好像只有這家銀行,回到家後Google了一下<a href="https://zh.wikipedia.org/zh-tw/%E9%BE%8D%E5%B2%A1" target="_blank">龍岡</a>維基,發現金融機構這一小節提到了郵局、板信商業銀行跟渣打國際商業銀行龍岡分行,渣打?印象中渣打旗下包括楊梅、山子頂、龍岡、頭份及東台南分行,將自2022年10月29日起移轉至埔心、龍潭、東內壢、竹南、東寧分行,受影響分行的地點分別為桃園三家與苗栗一家、台南市一家,五家分行最後營業日將落在10月28日。<p></p><p>只不過在桃園市中壢區龍東路302號的現址上,Google地圖還是顯示渣打的照片,這幾日有空再來看看是換哪個店家在經營,不過這不是今天文章的重點。</p><p>我想到的是龍岡這地區,現在只剩一家銀行在營運,那龍岡人都去哪裡貸款?</p><p>我Google龍岡貸款會找到下面的廣告跟結果:</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgo7sn17BcoNcCoah9B_UDbAm4Ey3q6BtpQlKEy1S4PfrfPWdCuf8dRXKl2oAtnSD37dZ7PecNAXGHpy5dYazAQqnbj7C-YLbr0xSNO0REDt9zC31y9962Rrj7_2gY5LE_8JoQVi2v8ozBeM1lsvy0rAhuy6AjSGOq3IWMOGAOoVcmfAeJbPMQ_n7bs1Pjc/s677/20230920103955.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="171" data-original-width="677" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgo7sn17BcoNcCoah9B_UDbAm4Ey3q6BtpQlKEy1S4PfrfPWdCuf8dRXKl2oAtnSD37dZ7PecNAXGHpy5dYazAQqnbj7C-YLbr0xSNO0REDt9zC31y9962Rrj7_2gY5LE_8JoQVi2v8ozBeM1lsvy0rAhuy6AjSGOq3IWMOGAOoVcmfAeJbPMQ_n7bs1Pjc/s16000/20230920103955.png" /></a></div><div class="separator" style="clear: both; text-align: left;">我猜這應該是信用貸款的廣告,是不是可以完全在線上貸款不得而知,查詢公司地點在高雄市前鎮區,如果簽約還得去當地處理的話,那就不適合住中壢龍岡的朋友了。</div><div class="separator" style="clear: both; text-align: left;">另外查到的利率資訊如下,看到年利率高達9.6%,我就不繼續看了。</div><div class="separator" style="clear: both; text-align: left;"><span face="&quot;Noto Sans TC&quot;, sans-serif" style="background-color: white; color: #4d4232; font-size: 18px;">本貸款總費用方案月利息最低0.8%~最高3%(年利率最低9.6%~最高30$),還款年限1-8年,房貸還款年限,最低10年最長30年,不綁約,還款方式可分為一次結清或分期攤還,提前還款不須繳違約金,手續費依個人核准金額而定,實際貸款條件依銀行提供方案為準,銀行保留有核貸金額、利率、月付金核准與否之權利,視個別銀行貸款產品及授信條件不同而有所差異,詳細應以銀行貸款申請書及約定書為準。以下為信用貸款成本計算參考案例:假設貸款10萬元的款項,還款期限為5年,不收開辦手續費,總費用年利率為3.5%,每月還款金額為1,724元,總還款金額為新台幣103,440元。政府立案合法經營,安全有保障。</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf5OILjh-KviqM-ZYtRydU1zJvuPhv-kkRtOPY-IusFZiq5rVzZtb4GOXw9bfXGgE6m66R_qiFCtXLCLPydM8E_oOghcLDRpEAKiQcXoRA4lnGOJBKH1uM4QKhune51It_ppOFvGw0AAqoQiMQh9czAsGFtmdKjk4YCh1U2QIDIN9N8XGpS15K4VV9Wj5C/s750/20230920134832.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="184" data-original-width="750" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhf5OILjh-KviqM-ZYtRydU1zJvuPhv-kkRtOPY-IusFZiq5rVzZtb4GOXw9bfXGgE6m66R_qiFCtXLCLPydM8E_oOghcLDRpEAKiQcXoRA4lnGOJBKH1uM4QKhune51It_ppOFvGw0AAqoQiMQh9czAsGFtmdKjk4YCh1U2QIDIN9N8XGpS15K4VV9Wj5C/s16000/20230920134832.png" /></a></div><div class="separator" style="clear: both; text-align: left;">我猜這應該也是信用貸款的廣告,是不是可以完全在線上貸款不得而知,查詢公司地點在台北市信義區,如果簽約還得去當地處理的話,台北這樣的距離就見仁見智了。</div><div class="separator" style="clear: both; text-align: left;">另外看到貸款利率:1.68%起~8.88%,有可能可以參考一下。</div><div class="separator" style="clear: both; text-align: left;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitg1dpk1C3iPo50sgU2tEUVkwGEuotdYpb6e3vLYXtX5EfLnmeDI6qReudo-stkCZhHwipDJFkTiolTgXnDsbLUuM_xgkjSURhLGcUd0MRI6ii_0fPgN0KcvcCK3I1L8aVywH0QkvwbUq3Gg8XCBULjWElxdC8Qbg7nV9Yy_XvdJL0UbJkWhstjQ0FVSoz/s679/20230920150654.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="177" data-original-width="679" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitg1dpk1C3iPo50sgU2tEUVkwGEuotdYpb6e3vLYXtX5EfLnmeDI6qReudo-stkCZhHwipDJFkTiolTgXnDsbLUuM_xgkjSURhLGcUd0MRI6ii_0fPgN0KcvcCK3I1L8aVywH0QkvwbUq3Gg8XCBULjWElxdC8Qbg7nV9Yy_XvdJL0UbJkWhstjQ0FVSoz/s16000/20230920150654.png" /></a></div><div class="separator" style="clear: both; text-align: left;">我猜這應該也是信用貸款的廣告,是不是可以完全在線上貸款不得而知,查詢公司地點在高雄市左營區,如果簽約還得去當地處理的話,那就不適合住中壢龍岡的朋友了。</div><div class="separator" style="clear: both; text-align: left;">另外查到年利率為1.68%~16.98%,看到這些資訊就覺得有點鬼,還是少碰為妙。</div><div class="separator" style="clear: both; text-align: left;">至於板信商業銀行龍岡分行能不能貸款,可以看一下他的營業項目:</div><div class="separator" style="clear: both; text-align: left;"><ul style="text-align: left;"><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">收受各種存款(原營業執照所載收受支票存款、活期存款、定期存款及儲蓄存款等項目,改列本項)</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理放款(原營業執照所載辦理短期及中期、長期放款,辦理存單質借,辦理消費性貸款,改列本項)</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理票據貼現</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">投資有價證券(原營業執照所載投資公債、短期票券、公司債券、金融債券及公司股票,改列本項)</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理國內匯兌</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理商業匯票之承兌</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">簽發國內信用狀</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理國內保證業務(原營業執照所載辦理保證業務,改列本項)</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">代理收付款項</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">代銷公債、國庫券、公司債券及公司股票</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理保管及倉庫業務</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理與營業執照上各款業務有關或經主管機關核准之代理服務業務</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">代售金塊、金幣及銀幣</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理一般匯出及匯入匯款、外匯存款業務</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理買賣外幣現鈔及旅行支票業務</span></li><li><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="background-color: white; color: #333333; font-size: 16px;">辦理總行信託業務專責部門經主管機關核准辦理之信託業務</span></li></ul><span face="Verdana, Geneva, sans-serif, 微軟正黑體" style="color: #333333;"><span style="background-color: white;">至於利率如何,有在</span></span>板信商業銀行龍岡分行貸過款的朋友還請留言分享,謝謝。</div><div class="separator" style="clear: both; text-align: left;">個人的貸款還是會到中壢火車站前那邊的銀行比較多也比較好找,雖然後站也慢慢有很多家銀行,但數目上還是比不上站前。</div><div class="separator" style="clear: both; text-align: left;">雖然網路上很多標榜信用不良也可以借款的廣告很多,但這些利率也是相對較高,有關貸款的應用於理財跟投資上,我們會分享更多的資訊,也請朋友們可以多多留言,謝謝。</div><br /></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/7844469537243612336/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/Long-Gang-Loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7844469537243612336'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7844469537243612336'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/Long-Gang-Loan.html' title='龍岡貸款'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCe-vqlsdhng5kJx0rdkKz8u66Zr8i0qmYqLUDRwfZyxHmy2y-991pwnywxvU9ry6bnrW9V0BWDV79IghGjJo2Lm4ECSE1GTRQMQmU2I9DYkLQA9b5TRcEWjGQcPzN9qgs1D2JXILMSATAnCG-uz8uzfg_tYcY7xZMhX_cGYF81Nu31ObHdZWwpYvCMyTC/s72-w640-h370-c/money-2696229_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-7095702298228248420</id><published>2023-09-18T09:14:00.001-07:00</published><updated>2023-09-18T09:14:07.990-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="就學貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="永久教育基金貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="耶穌基督後期聖徒教會"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款名詞"/><title type='text'>何謂永久教育基金貸款?</title><content type='html'><p><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/vtgBWn1271c?si=TLgSuMyDZQVHqcXm" title="YouTube video player" width="560"></iframe></p><p>這部影片是在耶穌基督後期聖徒教會的舊版的自立課程《為更好的工作接受教育》的我應該申請永久教育基金貸款嗎?的學習部份,也是<a href="https://www.daikuan.space/2023/09/should-i-apply-for-a-perpetual-education-fund-loan.html">我應該申請永久教育基金貸款嗎?</a>同樣章節的第一部影片,在《<a href="https://www.churchofjesuschrist.org/study/manual/perpetual-education-fund-for-self-reliance/perpetual-education-fund?lang=zho" target="_blank">永久教育基金</a>》的課程裡說明了永久教育基金的由來。</p><p>世界各地的教會成員作出犧牲,把錢捐獻給永久教育基金。戈登·興格萊會長宣布創立永久教育基金時,曾教導:參與者「會償還貸款,讓其他人也有機會像他們一樣得到祝福」(「永久教育基金」,2001年7月,利阿賀拿,第62頁)。唯有參與者償還貸款,永久教育基金才會是「永久」的。透過償還永久教育基金貸款,我們證明了自己的誠信,並且讓其他人也能享有教育和自立的祝福。這筆錢是神聖的,應當僅用來幫助資助你的教育費用,以促成你獲得更好的工作機會和變得自立。</p><p>羅拔·海爾斯長老教導:「世上有許多年輕人為了受教育而負債,到頭來卻發現學校的花費遠大於他們所能償還的。請你們找出可用的獎學金和政府補助款,盡可能找一份兼職的工作,用你自己的方式償還貸款。你會需要作些犧牲,但這會幫助你成功」(“「面對今日世上的種種挑戰」,2015年11月,利阿賀拿,第45頁)。有時,家人很樂意資助你在教育上的目標。在你盡一切所能獲得其他資金後,永久教育基金所提供的貸款可能對你有所助益</p><p>希望這些訊息對各位有幫助。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/7095702298228248420/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/What-is-a-PEF-Loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7095702298228248420'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7095702298228248420'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/What-is-a-PEF-Loan.html' title='何謂永久教育基金貸款?'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/vtgBWn1271c/default.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-8868286785517676636</id><published>2023-09-14T00:06:00.003-07:00</published><updated>2023-09-14T00:07:24.035-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="二胎"/><category scheme="http://www.blogger.com/atom/ns#" term="增貸"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="抵押"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款名詞"/><category scheme="http://www.blogger.com/atom/ns#" term="資金"/><category scheme="http://www.blogger.com/atom/ns#" term="轉貸"/><title type='text'>手頭缺資金,想用房子抵押借款? 先搞清楚二胎、增貸、轉貸的差別</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxMtXcm64K9EFRUeoi4kSy6JDl5CbNjA04rhYeVdMlzEszrd9G1wUxXKAbzfpze1ZVKYYlczi295JT98PLnUQb4qS6xu585CYMAbkuadWSvoVmlKJ4IVF_P243bP7ItmJfQK3-01-YlRF-sl4b7h9W42yA3fFKPs6yLJA7kFHtpHjFk9Vy7wK68wFFa-Fp/s1280/house-1353389_1280.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxMtXcm64K9EFRUeoi4kSy6JDl5CbNjA04rhYeVdMlzEszrd9G1wUxXKAbzfpze1ZVKYYlczi295JT98PLnUQb4qS6xu585CYMAbkuadWSvoVmlKJ4IVF_P243bP7ItmJfQK3-01-YlRF-sl4b7h9W42yA3fFKPs6yLJA7kFHtpHjFk9Vy7wK68wFFa-Fp/w640-h426/house-1353389_1280.jpg" width="640" /></a></div>在<span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; transition: all 0.3s ease 0s;">《</span><a href="https://www.books.com.tw/exep/assp.php/achi/products/0010939346?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" style="background-color: white; clear: none; color: #e74c3c; float: none; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; margin-left: 0px; margin-right: 0px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">趕走窮人思維, 靠自己成為富一代:你阿公都看得懂的理財書!</a><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; transition: all 0.3s ease 0s;">》</span><span face="Open Sans, sans-serif" style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; transition: all 0.3s ease 0s;"><span style="outline: 0px; transition: all 0.3s ease 0s;">Chapter 6 我這樣對抗通貨膨脹!30歲買了2間房子!的買了第一間,就會想要買第二間、第三間這一節再一次讀到增貸的方式來成為第二間房的頭期款,之前在<a href="https://www.daikuan.space/2023/08/Loanwiki.html">貸款維基說明</a>的維基文章中有看到這名詞,沒有更進一步解釋。</span></span><p></p><p><span face="Open Sans, sans-serif" style="background-color: white; outline: 0px; transition: all 0.3s ease 0s;"><span style="outline: 0px; transition: all 0.3s ease 0s;"><span style="font-family: Open Sans, sans-serif;"><a href="https://www.daikuan.space/2023/09/Additional-Borrowing-on-Mortgage.html">【阿格力】房貸越借越有錢?富人不說的增貸與轉增貸</a>,讓大叔更加了解增貸的使用。</span></span></span></p><p><span face="Open Sans, sans-serif" style="background-color: white; outline: 0px; transition: all 0.3s ease 0s;"><span style="outline: 0px; transition: all 0.3s ease 0s;"><span style="font-family: Open Sans, sans-serif;">今天在</span></span></span><span style="font-family: Open Sans, sans-serif;">2021-02-04 的今周刊看到黃健誠分享的《<a href="https://www.businesstoday.com.tw/article/category/80404/post/202102040001/" rel="nofollow" target="_blank">過年手頭缺資金,想用房子抵押借款? 先搞清楚二胎、增貸、轉貸的差別</a>》,就轉載於下讓各位知道轉貸、二胎跟轉貸的意義。</span></p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;"><span style="box-sizing: border-box; font-weight: 700;">先有房貸才衍生出增貸、轉貸及二胎等相關貸款問題</span>,屋比房屋總監陳傑鳴說明,常聽到的增貸、轉貸及二胎各是以抵押房屋借錢的不同方式。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />例如,「增貸」為房屋所有權人就目前貸款償還金額及房屋市價,向原房貸銀行另外申請一筆貸款。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">「轉貸」則是將原貸款方案清償,改申辦另一家銀行的貸款方案。</p><div id="sf_div-gpt-ad-1599104924568-0-1" style="box-sizing: border-box; margin-top: 20px; position: relative; text-align: center; z-index: 2;"></div><p><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />至於「二胎」是指,房屋在已抵押申辦貸款後,屋主再向第二家銀行申請另一筆貸款,但第二家銀行在法律上的清償次序排在原貸款銀行之後,因此對第二家銀行的風險較高。</p><p></p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><h2 style="background-color: white; box-sizing: border-box; color: firebrick; font-family: &quot;Noto Sans TC&quot;, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 20px; line-height: 1.1; margin: 0px;">缺錢可用房屋增貸或二胎 但兩者有什麼差別?</h2><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">在增貸、轉貸、二胎等幾種貸款方式中,若民眾有現金需求時,常會以增貸及二胎的方式獲得多餘的現金。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />一般而言,將房屋增貸可享有與原房貸相同的年限與利率,目前<span style="box-sizing: border-box; font-weight: 700;">五大行庫平均房貸放貸利率約在1.356%</span>。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">若拿房子向第二間銀行申請「二胎」時,由於二胎貸款對承貸銀行的風險較高,通常利率較一般房貸高出不少。以各家銀行根據貸款人條件與資產品質,<span style="box-sizing: border-box; font-weight: 700;">放貸利率約在2.5~18%不等。</span></p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><div class="context__event" style="background-color: white; box-sizing: border-box; color: #555555; display: flex; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 15.9992px; justify-content: center; position: relative; z-index: 2;"><div id="div-gpt-ad-1564373732251-0" style="box-sizing: border-box;"></div><div id="div-gpt-ad-1563953320017-0" style="box-sizing: border-box;"></div></div><h2 style="background-color: white; box-sizing: border-box; color: firebrick; font-family: &quot;Noto Sans TC&quot;, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 20px; line-height: 1.1; margin: 0px;"><span style="box-sizing: border-box;">若手頭緊 辦理增貸較理想</span></h2><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">陳傑鳴提醒,若手頭緊、需要資金時,使用增貸是比較好的方式,因為<span style="box-sizing: border-box; font-weight: 700;">增貸是向原貸款銀行申辦,不僅房貸利率較低,承貸相關費用也較低</span>,適合信用良好、有按時繳納房貸的民眾使用,且房屋若有殘餘價值或可增值,增貸成功率及方案也會較優。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">若以二胎而言,在法律上的求償次序並非首位,二胎貸款對承貸銀行的風險較高,在利率、額度方面都較一般房貸嚴格,通常是有信用瑕疵或遭原申貸銀行拒絕的民眾,較有可能使用。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">另外,若申辦二胎房貸基本上沒有「寬限期」,且需以「本息攤還」方式還款,這代表每期都得繳納二胎房貸的貸款本金與利息,因此在<span style="box-sizing: border-box; font-weight: 700;">申貸二胎房貸前,務必先審慎評估自己的還款能力</span>。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><h2 style="background-color: white; box-sizing: border-box; color: firebrick; font-family: &quot;Noto Sans TC&quot;, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 20px; line-height: 1.1; margin: 0px;">為降房貸利率轉貸划算嗎? 專家:還需細算「這些成本」</h2><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">有些民眾在房貸合約期滿時,會選擇以「轉貸」方式,以為可以向其他間銀行爭取到各好的利率條件。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">但陳傑鳴提醒,轉貸利率原則上與市場房貸利率一樣,甚至可能較原銀行更低,但最終利率條件,<span style="box-sizing: border-box; font-weight: 700;">銀行還是會依照抵押的房屋殘值、申貸人的財力與信用等綜合因素而定</span>。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">而且,轉貸時需負擔不少費用,需要計算後才知道划不划算,因此屋主需審慎評估,例如產生轉貸代償費、登記規費、代書費、塗銷費等。</p><div id="globalsun" style="box-sizing: border-box;"></div><div id="sf_div-gpt-ad-1599104924568-0-2" style="box-sizing: border-box; margin-top: 20px; position: relative; text-align: center; z-index: 2;"></div><p></p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">在上述費用以外,若原房貸合約尚未到期,在轉貸前需支付房貸金額1%左右的違約金給原銀行,且目前市場上多數銀行也都跟進降息,民眾衝動轉貸前須多評估。</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">&nbsp;</p><p style="background-color: white; box-sizing: border-box; color: #555555; font-family: 微軟正黑體修正, 微軟正黑體, &quot;Microsoft JhengHei&quot;, &quot;LiHei Pro&quot;, &quot;WenQuanYi Zen Hei&quot;, Arial; font-size: 1.1428em; line-height: 1.7; margin: 0px; word-break: break-word;">但若有資金需求,屋主可先向原貸款銀行協商,或許能爭取到額外優惠,轉貸前也可請銀行協助試算相關費用,並且貨比三家。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/8868286785517676636/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/mortgage-incremental-loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/8868286785517676636'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/8868286785517676636'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/mortgage-incremental-loan.html' title='手頭缺資金,想用房子抵押借款? 先搞清楚二胎、增貸、轉貸的差別'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxMtXcm64K9EFRUeoi4kSy6JDl5CbNjA04rhYeVdMlzEszrd9G1wUxXKAbzfpze1ZVKYYlczi295JT98PLnUQb4qS6xu585CYMAbkuadWSvoVmlKJ4IVF_P243bP7ItmJfQK3-01-YlRF-sl4b7h9W42yA3fFKPs6yLJA7kFHtpHjFk9Vy7wK68wFFa-Fp/s72-w640-h426-c/house-1353389_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-97282196213556476</id><published>2023-09-13T17:20:00.000-07:00</published><updated>2023-09-13T17:20:34.273-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="其他貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="利息"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="裝潢貸款"/><title type='text'>房貸路上,我犯了兩個大錯!</title><content type='html'><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvTkfR9iffI_qduT1xARcqEIOjwxak_T3Vt7UHPIymINz4OjpPX2hkpg5O65bpiV2GHHllaZC33RCpCEAiZlFOIBUqVd1QQR0H6m7Xg-C93Bxdh2WxsN1-L_MRurdYX87o3kTdLzfK7Sz_wwnJDHQH98l6Wq_1Np492OVPLStJzybfxR4L4Lnq_SEUyv33/s1280/key-2323278_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvTkfR9iffI_qduT1xARcqEIOjwxak_T3Vt7UHPIymINz4OjpPX2hkpg5O65bpiV2GHHllaZC33RCpCEAiZlFOIBUqVd1QQR0H6m7Xg-C93Bxdh2WxsN1-L_MRurdYX87o3kTdLzfK7Sz_wwnJDHQH98l6Wq_1Np492OVPLStJzybfxR4L4Lnq_SEUyv33/w640-h426/key-2323278_1280.jpg" width="640" /></a></div><br /><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-size: 15px;">這是《</span><a href="https://www.books.com.tw/exep/assp.php/achi/products/0010939346?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" style="background-color: white; clear: none; color: #e74c3c; float: none; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; margin-left: 0px; margin-right: 0px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">趕走窮人思維, 靠自己成為富一代:你阿公都看得懂的理財書!</a><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-size: 15px;">》</span><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">Chapter 6 我這樣對抗通貨膨脹!30歲買了2間房子!裡的一節,我從第一節讀到這裡後,我覺得我也可以分享自己的經驗了,我自己跟作者不太一樣的是我們家住高雄一直沒有自己的房子,總是一直換房子租,所以我一直有「買房子」的念頭,以前就覺得「看房</span></span><span face="&quot;Open Sans&quot;, sans-serif" style="color: #5e5e5e; font-size: 15px;">子」是有錢人在做的事,但我知道,只有開始做這件事,</span><span face="&quot;Open Sans&quot;, sans-serif" style="color: #5e5e5e; font-size: 15px;">才會知道我們正在變有錢。</span><div><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">在《設定好看房條件,貨比三間不吃虧》這一節,真的要照作者的建議去做,回顧過去買房的經驗,真的是靠感覺去買的,結果買到的房子是水管管道做得很差,造成下豪大雨會淹水,不過這其實很難看得出來水管管道的設計是如何;因為是買中古屋,前屋主的冷氣排水管路是跟水管連動的,這下可好,豪大雨的經驗家裡頭連臥室都會淹水;另外只要一段時間,廚房的排水就會阻塞,又得花一筆銀子去做疏通,總之買了這個房子後,讓我的經驗值真的增加不少。</span></span></div><div><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">在《一轉眼就看了100間房子!》這節,我想到了以前跟我成交的那位房仲,我很慶幸沒有被他的斡旋金給恐嚇,老實說我也沒那麼多的錢讓他賺,而且到現在我還是很不爽,他沒有說清楚水管的管路是那麼的差。</span></span></div><div><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">我倒是沒有像《房貸路上,我犯了兩個大錯!》這裡所說的錯誤給我碰上,我很慶幸認識了一些在銀行上班的教友,他們在我買房的事上給了我很多的指導,所以理所當然的我就辦了他們銀行的房屋貸款,後來我也不去想到底有沒有最低利率了。</span></span></div><div><span style="color: #5e5e5e;"><span style="font-size: 15px;">所以請大叔的朋友一定要有利息的概念,這樣作者說的兩個大錯就不會再犯:</span></span></div><div><ol style="text-align: left;"><li><span style="color: #5e5e5e;"><span style="font-size: 15px;">我一定會申請裝潢貸款</span></span></li><li><span style="color: #5e5e5e;"><span style="font-size: 15px;">我不會提早還款</span></span></li></ol><span style="color: #5e5e5e;"><span style="font-size: 15px;">繳房貸是儲蓄是資產的增加,繳房租是支出,是資產的減少,大家一定要記住這個原則。</span></span></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/97282196213556476/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/avoid-two-big-mortgage-mistakes-brian-side.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/97282196213556476'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/97282196213556476'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/avoid-two-big-mortgage-mistakes-brian-side.html' title='房貸路上,我犯了兩個大錯!'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvTkfR9iffI_qduT1xARcqEIOjwxak_T3Vt7UHPIymINz4OjpPX2hkpg5O65bpiV2GHHllaZC33RCpCEAiZlFOIBUqVd1QQR0H6m7Xg-C93Bxdh2WxsN1-L_MRurdYX87o3kTdLzfK7Sz_wwnJDHQH98l6Wq_1Np492OVPLStJzybfxR4L4Lnq_SEUyv33/s72-w640-h426-c/key-2323278_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-5466973069943984511</id><published>2023-09-12T19:55:00.000-07:00</published><updated>2023-09-12T19:55:41.318-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="債務"/><category scheme="http://www.blogger.com/atom/ns#" term="利息"/><category scheme="http://www.blogger.com/atom/ns#" term="就學貸款"/><title type='text'>想還就學貸款,居然還被罵</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxU7X93MPIMIHYAd2YXnDDAmRQIRYQ_mS97-yubCPfCyOn391q0m3UWhVXyzNnkj7fhm-H1hYaqCKYmZiiEtbLLBxCjJL-3Ir5B2447zsfoRqpRVeHv6zEBXwNvjaMxILxQV8wLWxLgDNCnyFEU5MLlRP5N5hgNl9vm1utdsgFTwcAuedCwm3aGPFTF9lF/s562/309203978986136640120222003041102.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="562" data-original-width="400" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxU7X93MPIMIHYAd2YXnDDAmRQIRYQ_mS97-yubCPfCyOn391q0m3UWhVXyzNnkj7fhm-H1hYaqCKYmZiiEtbLLBxCjJL-3Ir5B2447zsfoRqpRVeHv6zEBXwNvjaMxILxQV8wLWxLgDNCnyFEU5MLlRP5N5hgNl9vm1utdsgFTwcAuedCwm3aGPFTF9lF/w456-h640/309203978986136640120222003041102.jpg" width="456" /></a></div><div class="separator" style="clear: both; text-align: left;">這是在《<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010939346?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" target="_blank">趕走窮人思維, 靠自己成為富一代:你阿公都看得懂的理財書!</a>》Chapter 1 你的成長決定你能不能成為有錢人裡的一節,作者關韶文 關關提到他在23歲時存到了人生的第一個一百萬,然後有跟一般台灣民眾的想法,「只要欠別人錢,就會過得不快樂。」之後因為銀行理專的介紹,才了解到利息、債務的概念,投資的理念是跟《<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010946199?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" target="_blank">小資向錢衝!:樂活大叔的投資問答室,6步驟穩穩賺,賺久久!</a>》的講法是一致的,跟<a href="https://www.daikuan.space/2023/09/Dont-apply-for-a-student-loan.html">不要申請就學貸款</a>提的是不同理由,請各位可以評估看看。</div><div class="separator" style="clear: both; text-align: center;"><a 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href='https://www.daikuan.space/feeds/5466973069943984511/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/I-wanted-to-pay-off-my-student-loan-but-I-was-scolded.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/5466973069943984511'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/5466973069943984511'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/I-wanted-to-pay-off-my-student-loan-but-I-was-scolded.html' title='想還就學貸款,居然還被罵'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxU7X93MPIMIHYAd2YXnDDAmRQIRYQ_mS97-yubCPfCyOn391q0m3UWhVXyzNnkj7fhm-H1hYaqCKYmZiiEtbLLBxCjJL-3Ir5B2447zsfoRqpRVeHv6zEBXwNvjaMxILxQV8wLWxLgDNCnyFEU5MLlRP5N5hgNl9vm1utdsgFTwcAuedCwm3aGPFTF9lF/s72-w456-h640-c/309203978986136640120222003041102.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-4142985784697419063</id><published>2023-09-12T17:15:00.003-07:00</published><updated>2023-09-12T17:15:55.673-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋抵押貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款利息"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款名詞"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款條件"/><category scheme="http://www.blogger.com/atom/ns#" term="還款方式"/><title type='text'>房屋貸款是什麼?</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidh9Ao3tEP80eDkeMB8x_z_RZOrEsM-RlD-CHaB41TPVhuTdUI5ay6OdoQ_0EGvmWuBYFR159J70ZfKtV1qsF-p1wfR9LJoyqOKN7heduVmTqX4y-81Hsc47ctc8WpYmltnEZrYyA8cu7iH57rGwvEa8Xdfpv00mlJutOPSvvXgzvEKt8HEsYhw_t5j_2Y/s1280/money-2724235_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="709" data-original-width="1280" height="354" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidh9Ao3tEP80eDkeMB8x_z_RZOrEsM-RlD-CHaB41TPVhuTdUI5ay6OdoQ_0EGvmWuBYFR159J70ZfKtV1qsF-p1wfR9LJoyqOKN7heduVmTqX4y-81Hsc47ctc8WpYmltnEZrYyA8cu7iH57rGwvEa8Xdfpv00mlJutOPSvvXgzvEKt8HEsYhw_t5j_2Y/w640-h354/money-2724235_1280.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;">房屋貸款是什麼?這個名詞好像很常聽到,也沒什麼不容易懂的,所以在台灣Google沒有特別的說明,倒是大陸的百度百科有很詳細的說明,這裡轉錄於下,如果跟台灣的房屋貸款有什麼不同的地方,還請留言告知。</div><div class="separator" style="clear: both; text-align: left;">房屋貸款,也被稱為房屋抵押貸款, 是由購房者向貸款銀行填報房屋抵押貸款的申請表,並提供合法文件如身份證、收入證明、房屋買賣合同、擔保書等所規定必須提交的證明文件,貸款銀行經過審查合格,向購房者承諾貸款,並根據購房者提供的房屋買賣合同和銀行與購房者所訂立的抵押貸款合同,辦理房地產抵押登記和公證,銀行在合同規定的期限內把所貸出的資金直接劃入售房單位在該行的帳户上。</div><h2 style="clear: both; text-align: left;">貸款介紹</h2><p></p><div class="para" label-module="para" style="color: #333333; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">貸款的貸款期限最長不超過30年,二手房公積金貸款不超過15年;貸款額度是房屋評估值的70%;貸款利率按照中國人民銀行規定的同期同檔次貸款利率執行,基準年利率根據貸款年限有所變化,以下是2013年最新貸款利率表,(各銀行根據房屋情況利率有所上浮)。</div><div><table data-sort="sortDisabled" log-set-param="table_view" style="border-collapse: collapse; border-spacing: 0px; clear: both;"><tbody><tr><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">貸款</span></div></td><td align="left" colspan="3" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">貸款基準利率</span></div></td><td align="left" colspan="2" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">基準貸款上浮10%</span></div></td><td align="left" colspan="2" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">基準利率上浮15%</span></div></td></tr><tr><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">年限</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">利率(%)</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">等額本息</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">等額本金(首月)</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">利率(%)</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">等額本息</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">利率(%)</span></div></td><td align="left" height="57" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">等額本息</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">1</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.00</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">860.66</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">883.33</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.6</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">863.42</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.9</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">864.81</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">2</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.15</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">443.88</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">467.92</span></div></td><td align="left" rowspan="2" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.77</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">446.66</span></div></td><td align="left" rowspan="2" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.0725</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">448.05</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">3</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.15</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">304.90</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">329.03</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">307.70</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">309.10</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">4</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.4</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">236.69</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">261.67</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.04</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">239.65</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.36</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">241.14</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">5</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.4</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">195.19</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">220.00</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.04</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">198.20</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.36</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">199.71</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">168.34</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">193.47</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">171.48</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">173.06</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">148.74</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">173.63</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">151.93</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">153.54</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">8</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">134.11</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">158.75</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">137.36</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">139.00</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">9</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">122.80</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">147.18</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">126.10</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">127.78</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">10</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">113.80</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">137.92</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">117.17</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">118.87</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">11</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">106.50</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">130.34</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">109.92</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">111.65</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">12</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">100.45</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">124.03</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">103.93</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">105.70</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">13</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">95.39</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">118.69</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">98.92</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">100.72</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">14</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">91.08</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">114.11</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">94.67</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">96.50</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">15</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">87.39</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">110.14</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">91.03</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">92.89</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">16</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">84.19</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">106.67</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">87.89</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">89.77</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">17</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">81.40</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">103.60</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">85.15</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">87.06</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">18</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">78.94</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">100.88</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">82.75</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">84.69</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">19</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">76.78</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">98.44</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">80.64</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">82.60</span></div></td></tr><tr><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">20</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">6.55</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">74.85</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">96.25</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.21</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">78.77</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">7.5325</span></div></td><td align="left" height="21" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">80.76</span></div></td></tr><tr><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td><td align="left" height="19" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;" width="93"><br /></td></tr><tr><td align="left" colspan="8" style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; font-size: 12px; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="color: #333333; height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;"><span style="font-weight: 700;">備註:速算數以1萬元為單位;等額本金速算結果為客户首月還款額!</span></div></td></tr></tbody></table><div class="anchor-list" style="position: relative;"><a class="lemma-anchor para-title" name="2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="sub0_2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="貸款利息常識" style="color: #136ec2; position: absolute; top: -50px;"></a></div><h2>貸款利息常識</h2><div><div>(一)人民幣業務的利率換算公式為(注:存貸通用):</div><div>1.日利率(0/000)=年利率(%)÷360=月利率(‰)÷30</div><div>2.月利率(‰)=年利率(%)÷12</div><div>(二)銀行可採用積數計息法和逐筆計息法計算利息。</div><div>1.積數計息法按實際天數每日累計賬户餘額,以累計積數乘以日利率計算利息。計息公式為:</div><div>利息=累計計息積數×日利率,其中累計計息積數=每日餘額合計數。</div><div>2.逐筆計息法按預先確定的計息公式利息=本金×利率×貸款期限逐筆計算利息,具體有三:</div><div>計息期為整年(月)的,計息公式為:</div><div>①利息=本金×年(月)數×年(月)利率</div><div>計息期有整年(月)又有零頭天數的,計息公式為:</div><div>②利息=本金×年(月)數×年(月)利率+本金×零頭天數×日利率</div><div>同時,銀行可選擇將計息期全部化為實際天數計算利息,即每年為365天(閏年366天),每月為當月公曆實際天數,計息公式為:</div><div>③利息=本金×實際天數×日利率</div><div>這三個計算公式實質相同,但由於利率換算中一年只作360天,但實際按日利率計算時,一年將作365天計算,得出的結果會稍有偏差。具體採用那一個公式計算,央行賦予了金融機構自主選擇的權利。因此,當事人和金融機構可以就此在合同中約定。</div><div>(三)複利:複利即對利息按一定的利率加收利息。按照央行的規定,借款方未按照合同約定的時間償還利息的,就要加收復利。</div><div>(四)罰息:貸款人未按規定期限歸還銀行貸款,銀行按與當事人簽訂的合同對失約人的處罰利息叫銀行罰息。</div><div>(五)貸款逾期違約金:性質與罰息相同,對合同違約方的懲罰措施。</div><div>(六)計息方法的制定與備案</div><div>全國性商業銀行法人制定的計、結息規則和存貸款業務的計息方法,報中國人民銀行總行備案並告知客户;區域性商業銀行和城市信用社法人報人民銀行分行、省會(首府)城市中心支行備案並告知客户;農村信用社縣聯社法人可根據所在縣農村信用社的實際情況制定計、結息規則和存貸款業務的計息方法,報人民銀行分行、省會(首府)城市中心支行備案,並由農村信用社法人告知客户。</div><div>(七)參考依據:</div><div>1.《人民幣利率管理規定》銀髮【1999】77號。</div><div>2.《中國人民銀行關於人民幣貸款利率有關問題的通知》銀髮【2003】251號。</div><div>3.《中國人民銀行關於人民幣存貸款計結息問題的通知》銀髮【2005】129號。</div><div>房屋抵押貸款條件:房屋的年限在20年之內;房屋的面積各銀行要求不一;房屋要有較強的變現能力;一般要求商品房,公寓,商鋪,寫字樓。</div><div>房產抵押貸款,一般需要通過專業的房地產擔保公司來辦理,房產抵押貸款已經成為居民個人不動產理財的一個重要手段,通過抵押貸款的方式貸出資金以滿足臨時的消費需求甚或企業經營需求,以期盤活居民手中持有的不動產,而且在各種融資渠道中,房地產抵押貸款依舊是成本最低的方式之一。</div></div><div><br /><div><h2 class="title-text" style="background: rgb(255, 255, 255); font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px;">申貸資料</h2></div><div><div>1.借款人的有效身份證、户口簿;</div><div>2.婚姻狀況證明,未婚的需提供未婚證、已離婚的需出具法院民事調解書或離婚證(註明離異後未再婚);</div><div>3.已婚需提供配偶的有效身份證、户口簿及結婚證;</div><div>4.借款人的收入證明(連續半年的工資收入證明或納税憑證當地);</div><div>5.房產的產權證;</div><div>6.擔保人(需要提供身份證、户口本、結(未)婚證等)</div><div>注意:</div><div>1.必須有抵押物才能貸款,而且貸款金額和貸款期間利息總和不能超過抵押物評估價值的1/2;</div><div>2.有長期穩定的足以支付每月貸款本息的收入來源;</div><div>3.擔保人;</div><div>貸款需要支付律師見證費、抵押登記費、抵押房產的保險費、房產的評估費等。</div><div>一般貸款下來要1個月左右</div></div><div><h2 class="title-text" style="background: rgb(255, 255, 255); font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px;">貸款金額</h2></div><div><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">1.住宅類房屋:貸款額最高可達到評估價的70%-80%</div><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">2.公寓類房屋:貸款額最高不超過評估價的60%</div><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">3.別墅類房屋:貸款額最高不超過評估價的70%</div><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">4.商業類房屋:貸款額最高不超過評估價的60%</div></div><div class="para" label-module="para" style="background-color: white; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;"><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: black; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">手續流程</h2><div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">1.借款人貸款前填寫住房抵押申請書,並提交銀行下列證明材料:借示人所在單位出具的借款人固定經濟收入證明;借款擔保人的營業執照和法人證明等資信證明文件;借款人具有法律效力的身份證明;符合法律規定的有關住房所有權證件或本人有權支配住房的證明;抵押房產的估價報告書、鑑定書和保險單據;購建住房的合同、協議或其他證明文件;貸款銀行要求提供的其他文件或材料。</span></span></div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">2.銀行對借款人的貸款申請、購房合同、協議及有關材料進行審查。</span></span></div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">3.借款人將抵押房產的產權證書及保險單或有價證券交銀行收押。</span></span></div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">4.借貸雙方擔保人簽訂住房抵押貸款合同並進行公證。</span></span></div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">5.貸款合同簽訂並經公證後,銀行對借貸人的存款和貸款通過轉帳方式劃入購房合同或協議指定的售房單位或建房單位。</span></span></div><div><span face="arial, 宋体, sans-serif" style="color: #333333;"><span style="font-size: 14px;">6.貸款申請人按月還款。</span></span></div><div><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">還款方式</h2><div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">簡介</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">貸款期限在一年以上的房屋貸款還款方式一般有等額本金還款和等額本息還款兩種。</div><div class="anchor-list" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px; position: relative; text-indent: 0px;"><a class="lemma-anchor para-title" name="6_2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="sub0_6_2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="等額本金" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="6-2" style="color: #136ec2; position: absolute; top: -50px;"></a></div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">等額本金</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">是在還款期內把貸款數總額等分,每月償還同等數額的本金和剩餘貸款在該月所產生的利息。</div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">每月還款金額= (貸款本金/ 還款月數)+(本金 — 已歸還本金累計額)×每月利率</div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">特點:由於每月的還款本金額固定,而利息越來越少,貸款人起初還款壓力較大,但是隨時間的推移每月還款數也越來越少。</div><div class="anchor-list" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px; position: relative; text-indent: 0px;"><a class="lemma-anchor para-title" name="6_3" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="sub0_6_3" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="等額本息" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor" name="6-3" style="color: #136ec2; position: absolute; top: -50px;"></a></div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">等額本息</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">在還款期內,每月償還同等數額的貸款(包括<a href="https://baike.baidu.hk/item/%E6%9C%AC%E9%87%91" style="color: #136ec2; text-decoration-line: none;" target="_blank">本金</a>和利息)。</div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">每月還款金額 = [貸款本金×月利率×(1+月利率)^還款月數]÷[(1+月利率)^還款月數-1]</div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">特點:相對於等額本金還款法的劣勢在於支出利息較多,還款初期利息佔每月供款的大部分,隨本金逐漸返還供款中本金比重增加。但該方法每月的還款額固定,可以有計劃地控制家庭收入的支出,也便於每個家庭根據自己的收入情況,確定還貸能力。</div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">不論是等額本息還款法還是等額本金還款法,利息的本質都是不會改變的。總體來看,等額本息是會比等額本金多付一點利息。。但前提是貸足了年限。看似銀行都收回了利息,但實際上,等額本金還款法隨着本金的遞減,銀行可以加速還款,儘快回籠了資金,降低經營成本在這一點上是有利於風險係數的低。 在實際操作過程中,等額本息更利於借款人的掌握,方便還款。。事實上,大部分借款人在進行比較後,還是選擇了等額本息方式,因為這種方式月還款額固定,便於記憶,還款壓力均衡,實際上與等額本金差別不大。因為這些借款人也同樣看到了因為時間使資金的使用價值產生了不同,簡單的説,就是等額本息還款方式由於自己佔用了銀行的本金時間較長,自己就要多支付利息;等額本金還款方式佔用銀行本金的時間較短,利息也就自然減少了,並不存在自己吃虧,而銀行賺取更多利息的問題。 實質上,兩種還款方式是一致的,沒有優劣之分。只是在需求不同時,才有了不同的選擇。 因為等額本息還款方式還款壓力均衡但需多支付利息,所以適合有一定積蓄,但收入可能持平或下降,生活負擔日益加重,並且無打算提前還款的人羣。 而等額本金還款法,由於借款人本金歸還較快,利息就可以少付,但前期還款額度大,因為適用當前收入較高者,或預計不久將來收入大幅度增長,準備提前還款人羣,則較為有利。</div></div></div></div></div><div><h2 class="title-text" style="background: rgb(255, 255, 255); font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px;">最新利率</h2></div></div></div><div><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">中國人民銀行決定,自2011年(辛卯年)7月7日起上調金融機構人民幣存貸款基準利率。</div><table data-sort="sortDisabled" log-set-param="table_view" style="background-color: white; border-collapse: collapse; border-spacing: 0px; clear: both; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px;"><tbody><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">調整前利率</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">調整後利率</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">一、城鄉居民和單位存款</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">(一)活期存款</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">0.50</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">0.50</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">(二)整存整取定期存款</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">三個月</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">2.85</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">3.10</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">半年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">3.05</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">3.30</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">一年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">3.25</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">3.50</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">二年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">4.15</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">4.40</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">三年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">4.75</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">5.00</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">五年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">5.25</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">5.50</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">二、各項貸款</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><br /></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">六個月</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">5.85</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.10</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">一年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.31</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.56</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">一至三年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.40</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.65</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">三至五年</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.65</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.90</div></td></tr><tr><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">五年以上</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">6.80</div></td><td style="border: 1px solid rgb(230, 230, 230); box-sizing: border-box; height: 22px; line-height: 22px; margin: 0px; padding: 2px 10px; vertical-align: middle;"><div class="para" label-module="para" style="height: auto; line-height: 24px; margin: 0px; overflow-wrap: break-word; word-break: break-all; zoom: 1;">7.05</div></td></tr></tbody></table><div class="para" label-module="para" style="background-color: white; color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">按現行規定,城鄉信用社貸款利率浮動上限為基準利率的2.3倍,下限為基準利率的0.9倍。其他金融機構的人民幣貸款利率上限放開,浮動下限為基準利率的0.9倍。</div></div><div class="para" label-module="para" style="background-color: white; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;"><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: black; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">房貸風險</h2><div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">個人住房抵押貸款風險主要有3種:一是借款人方面的風險:個人借銀行(包括住房資金管理機構)的錢用於住房消費,如果不按期還錢便產生了風險,風險產生的原因有兩種:主觀原因和客觀原因。前者是指借款人有意賴賬、詐騙、假借款、惡意不還錢;後者是借款人因失業、傷殘、死亡、離異等原因導致借款人不能如期還錢。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">二是開發項目的風險:開發商經營不善,或挪用資金,造成項目不能完工,形成“爛尾”,借款人購買並用來抵押的房產成了“空中樓閣”;借款人購買的房產存在較大質量問題。這些情況將導致個人貸款的相關合同難以履行,使借款人和貸款行的權益受到侵害。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">三是銀行方面也存在風險:對借款人情況審查不嚴;對開發商銷售情況、工程進度、售房款監管賬户和保證金賬户的資金流向情況控制不夠;缺乏與房屋土地部門必要的聯繫,抵押登記不落實;檔案管理不嚴,丟失重要合同單據,由此造成銀行貸款風險。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">在我國開展個人住房抵押貸款的初期,由於當時住房緊張,法律也不健全,擔心個人出現風險後,無法使借款人遷出,向法院上訴,要求強制執行,但法院考慮到社會穩定,往往不受理這種訴訟。以住房作抵押,客觀上難以防範風險。其次,由於我們的房地產行政管理不能適應市場發展的需要,住房產權證辦理緩慢,沒有產權證,辦不成抵押登記,抵押就做不成。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">防範風險需購房者提高法制觀念</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">防範個人住房抵押貸款風險最根本辦法是逐步建立完善法律體系,提高個人法制觀念,對惡意不還款的人,要有處置力度。政府要對土地的供應加強計劃管理,進而保證住房供應量的穩定、房價的穩定;對開發企業的資質要嚴格審查,保證住房質量達到標準;要建立完善的貸款程序;通過優質服務,提高貸款的效率,而不是簡單地簡化貸款程序。對個人住房貸款實施全過程的管理,特別是貸後管理,建立完善的貸款保證體系。建立住房抵押、質押、保險、擔保機制,利用市場機制來分散和轉移貸款風險。</span></span></div><div><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">擔保方式</h2><div>防範借款人貸款風險的擔保方式有3種:抵押、質押和保證。在借貸前,還要充分了解借款人貸款的真實目的(自己住或者是投資)、收入來源及家庭狀況,通過設定合理的擔保方式防範。從實用性、可行性、便捷性的角度分析,住房抵押應該是最主要的擔保方式。質押有動產質押和權利質押兩種方式。借款人要找到與住房價值量大體相當並獲得貸款人認可的動產幾乎不可能;以權利作為質押,貸款人要求的權利只限於存款單和債券,現實中擁有與住房價值大體相當的存款及有價證券的人要麼是人少,要麼就是不用申請貸款了,有足夠代償能力的單位或個人為他人借款做保證人,非親非故的情況下,一般人不願意承擔這種風險。由此可知,住房抵押應該作為最主要的防禦貸款風險的手段。</div><div><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">貸款條件</h2></div><div><div>一、有合法的居留身份;</div><div>二、有穩定的職業和收入;</div><div>三、有按期償還貸款本息的能力;</div><div>四、有貸款行認可的資產進行抵押或質押、或(和)有符合規定條件的保證人為其擔保;</div><div>五、有購買住房的合同或協議;</div><div>六、提出借款申請時,在建設銀行有不低於購買住房所需資金的30%的存款;若已做購房預付款支付給售房單位的,則需要提供付款收據的原件和複印件。</div><div>七、貸款行規定的其他條件。</div></div><div><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">注意事項</h2></div><div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">及時償還房貸</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">誠實信用原則是民事活動的帝王條款,也是我們在履行合同時必須遵守的條款。作為房貸合同的當事人,按照合同約定的條件及時、足額的還款是我們的義務,現在國家已經實現了銀行間的信用體系。若你沒有及時償還借款的話,你將進入銀行信用系統的黑名單,這會影響你將來在銀行辦理其他業務,所以我們每個人都要按合同的規定及時還款。</div><div class="anchor-list " style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px; position: relative; text-indent: 0px;"><a class="lemma-anchor para-title" name="11_2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="sub0_11_2" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="慎重選擇還款方式" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="11-2" style="color: #136ec2; position: absolute; top: -50px;"></a></div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">慎重選擇還款方式</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">一般情況下,房貸借款合同是格式條款合同,還款方式一般規定有兩種,一種是等額本息還款方式,這種方式是在還款期內,每月償還同等數額的貸款(包括本金和利息),這樣由於每月的還款額固定,可以有計劃地控制家庭收入的支出,也便於每個家庭根據自己的收入情況,確定還貸能力。 另一種是等額本金還款方式:是將本金每月等額償還,然後根據剩餘本金計算利息,所以初期由於本金較多,將支付較多的利息,從而使還款額在初期較多,而在隨後的時間每月遞減,這種方式的好處是,由於在初期償還較大款項而減少利息的支出,比較適合還款能力較強的家庭。大家可以在簽訂借款合同時根據自己的實際情況選擇還款方式,以免出現斷供違約現象。</div><div class="anchor-list " style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px; position: relative; text-indent: 0px;"><a class="lemma-anchor para-title" name="11_3" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="sub0_11_3" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="合理地使用住房公積金" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="11-3" style="color: #136ec2; position: absolute; top: -50px;"></a></div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">合理地使用住房公積金</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">住房公積金是單位及其在職職工繳存的長期住房儲金,是住房分配貨幣化、社會化和法制化的主要形式。住房公積金制度是國家法律規定的重要的住房社會保障制度,具有強制性、互助性、保障性。單位和職工個人必須依法履行繳存住房公積金的義務。住房公積金的一個優點是它比商業銀行的貸款利息低,如果你的單位給你交納的住房公積金,你可以使用住房公積金貸款償還房貸,這樣不僅可以減輕你每月的還貸壓力,同商業銀行貸款償還房貸總額相比,使用住房公積金貸款總支出少於商業銀行貸款的總額。</div><div class="anchor-list " style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 12px; position: relative; text-indent: 0px;"><a class="lemma-anchor para-title" name="11_4" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="sub0_11_4" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="合理確定貸款期限" style="color: #136ec2; position: absolute; top: -50px;"></a><a class="lemma-anchor " name="11-4" style="color: #136ec2; position: absolute; top: -50px;"></a></div><div class="para-title level-3" label-module="para-title" style="clear: both; color: #333333; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 18px; line-height: 20px; margin: 20px 0px 12px; text-indent: 0px; zoom: 1;"><h3 class="title-text" style="font-size: 18px; font-weight: 400; margin: 0px; padding: 0px;">合理確定貸款期限</h3></div><div class="para" label-module="para" style="color: #333333; font-family: arial, 宋体, sans-serif; font-size: 14px; line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;">房貸借款合同一般都有提前還貸的條款,提前還貸必須經過銀行的同意,因為提前償還貸款會對銀行遠期的收益產生影響。在實際生活中,銀行通常會對提前還款收取違約金,當然各個銀行的政策會有所不同,因此購房者在簽訂房貸合同時要根據自己的實際情況選擇合理的貸款期限,以免到時提前還貸給自己造成不必要的損失。</div></div><div class="para" label-module="para" style="line-height: 24px; margin-bottom: 15px; overflow-wrap: break-word; text-indent: 2em; zoom: 1;"><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: black; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">疫情影響</h2><div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">受疫情影響不能按時還房貸怎麼辦?中國工商銀行、中國農業銀行、中國銀行、中國建設銀行、交通銀行五大國有商業銀行7日獨家迴應新華社記者,對受疫情影響的個人住房貸款客户,可提供包括延後還款時間、延長貸款期限、調整賬單計劃等在內的服務支持。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">中國工商銀行表示,工行高度重視個人貸款客户服務,對於受疫情影響的個人貸款客户,給予個人貸款延期還款服務支持。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">中國農業銀行表示,對於因疫情原因提出延後還款時間、減免罰息、消除逾期徵信記錄等訴求的客户,符合相關條件的均可享受個人住房貸款客户關懷政策。客户可直接與貸款經辦行或客户經理聯繫,諮詢相關辦理條件和辦理流程。也可致電農行客服中心,客服人員收集完信息後發送給客户貸款經辦行。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">中國銀行表示,中行專門出台了包括手機銀行線上還款、延長貸款期限、延遲還本付息、設置還款優惠期在內的一攬子個人住房貸款保障政策,指導上海、吉林等疫情防控重點地區分支機構積極響應客户訴求,針對因感染新冠肺炎住院治療或隔離人員、參加疫情防控工作人員和受疫情影響暫時失去收入來源的客户,落實政策安排,持續做好受疫情影響的社會民生領域的金融服務。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">中國建設銀行表示,自新冠肺炎疫情暴發,建行便針對住房按揭、消費貸款等業務出台了疫情期間延期還款等相關服務政策,並一直延續至今。主要提供三類服務:一是最長至28天的短期延後還款,延期期間內不催收、不影響徵信;二是調整賬單計劃,根據各地疫情情況,可選階段性調整賬單計劃,降低當期分期還款額,降低部分延後至以後月份歸還;三是延長貸款總體期限,推遲到期日,降低分期還款額。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">交通銀行表示,自新冠肺炎疫情開始即出台疫情期間按揭貸款客户紓困政策,允許對於確受疫情影響還款能力暫時下降的客户給予一定的寬限期安排。重點針對參加防疫工作的醫護人員、政府工作人員及其配偶,確診患者、被隔離人員,以及受疫情影響較大行業的從業人員等。客户可向貸款歸屬分行申請,各地分行將根據總行政策進行審核,對於滿足條件的,給予一定的寬限期。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">目前申請延期還房貸的人羣多不多?建行表示,截至今年3月末,已累計為約100萬户、超過4300億元的房貸提供了延後還款服務。今年以來,在疫情形勢較為嚴峻的吉林地區,已為超過1150户的客户辦理延後還款服務。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">交通銀行表示,今年以來,上海、深圳、吉林等地受疫情影響較為嚴重,該行陸續接到了一些客户的申請,分行已結合當前政策及時予以處理。目前來看,總體佔比不高。目前住房按揭貸款資產質量整體穩定優良,不良率保持低位運行。</span></span></div><div><span style="color: #333333; font-family: arial, 宋体, sans-serif;"><span style="font-size: 14px;">貸款逾期是否會影響徵信記錄?工行表示,延期還款期間,客户不列入違約客户名單,同時對客户做好徵信保護,持續加強客户服務。建行表示,針對受疫情影響、符合延期還款條件的客户,實施徵信保護措施,並開通徵信異議受理綠色通道,全力保障客户權益。</span></span></div><div><h2 class="title-text" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: &quot;Microsoft YaHei&quot;, SimHei, Verdana; font-size: 22px; font-weight: 400; line-height: 24px; margin: 0px; padding: 0px 8px 0px 18px; text-indent: 0px;">最新調整</h2><div>2022年5月15日,從中國人民銀行獲悉,人民銀行、銀保監會發布相關通知,調整差別化住房信貸政策。對於貸款購買普通自住房的居民家庭,首套住房商業性個人住房貸款利率下限調整為不低於相應期限貸款市場報價利率減20個基點,二套住房商業性個人住房貸款利率政策下限按現行規定執行。</div></div></div></div></div></div></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/4142985784697419063/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/what-is-home-a-loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4142985784697419063'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4142985784697419063'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/what-is-home-a-loan.html' title='房屋貸款是什麼?'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEidh9Ao3tEP80eDkeMB8x_z_RZOrEsM-RlD-CHaB41TPVhuTdUI5ay6OdoQ_0EGvmWuBYFR159J70ZfKtV1qsF-p1wfR9LJoyqOKN7heduVmTqX4y-81Hsc47ctc8WpYmltnEZrYyA8cu7iH57rGwvEa8Xdfpv00mlJutOPSvvXgzvEKt8HEsYhw_t5j_2Y/s72-w640-h354-c/money-2724235_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-254620187920268961</id><published>2023-09-11T18:29:00.004-07:00</published><updated>2023-09-12T19:46:54.587-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="就學貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>不要申請就學貸款</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiikyffznxqQs2TU9hl-AA95e4nwWMCqSynsZQfNnjXoLksji9oRWFY7ZLDkmshiQSUekSmvS5rJGAyTi0yfWoozfKzWs22hrygO1ruhGJc-qTtvCMnFXE9ULAvYwZaXoaupE0-qz1XttIx1LT39zG-qDyqe6jYW-825GE2hZDqK3Clcn4gDnfxEX5PPfq5/s1280/money-2724241_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="865" data-original-width="1280" height="432" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiikyffznxqQs2TU9hl-AA95e4nwWMCqSynsZQfNnjXoLksji9oRWFY7ZLDkmshiQSUekSmvS5rJGAyTi0yfWoozfKzWs22hrygO1ruhGJc-qTtvCMnFXE9ULAvYwZaXoaupE0-qz1XttIx1LT39zG-qDyqe6jYW-825GE2hZDqK3Clcn4gDnfxEX5PPfq5/w640-h432/money-2724241_1280.jpg" width="640" /></a></div>之前我在<a href="https://www.daikuan.space/2023/08/aboutus.html">關於我們</a>提到我的助學貸款的歷史,還有在<a href="https://www.daikuan.space/2023/08/pef-perpetual-education-fund-loan.html">永久教育基金貸款</a>的步驟提到教會的利率是3%,今天在<span style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px;">《</span><a href="https://www.books.com.tw/exep/assp.php/achi/products/0010941730?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" style="background-color: white; color: #e74c3c; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">薪水奴財務自由之路:35歲躺平樂活並不難,尋常上班族也可以辦到!</a><span style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px;">》一書</span><span style="background-color: white;"><span style="color: #5e5e5e; font-family: Open Sans, sans-serif;"><span style="font-size: 15px;">的第二章儉約生活的三部曲:斷捨錢坑、改變習慣、儲存三成薪中的第三步,讀到不要申請就學貸款,這裡我則是也自己的想法,如果從作者股素人(何宗岳) 的年紀已經七十多歲來看,他這個</span></span></span><span style="color: #5e5e5e; font-family: Open Sans, sans-serif;"><span style="font-size: 15px;">不要申請就學貸款的條件是成立的,我相信那時候的大環境不會是很好,那個利率應該很恐怖。但是如果依照教會永就教育基金的利率3%來看,我認為在這種低利環境下去申請這個款項,你可以選擇唸書為往後找到更好的工作而努力或是繼續打工將賺取到的收入,作為投資的基金這應該就是上次我讀<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010946199?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" target="_blank">小資向錢衝!:樂活大叔的投資問答室,6步驟穩穩賺,賺久久!</a>中套利的概念了吧!</span></span><div><span style="color: #5e5e5e; font-family: Open Sans, sans-serif;"><span style="font-size: 15px;">那你對申請就學貸款的想法如何?請留言讓我知道,謝謝。<br /></span></span><p></p><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrJDaaCrwjKKf9kIV_jacgDUBi_Y9Gfy1QV7JQ9BgovRqk2dunpsid-oHGpEDc5OyF_GSUAqVqFOb7L_Phw8azHKZnVI7pAjbCO8-0H5I1AlSqP7gGLJ3UVtsOWm3zXwZiT7-XrMrdXbOSqrjGH1W3tPq1grm9OdgtPszEPqx6Fj4W7uMGFa5GmAJQ4yeR/s849/20230912090015.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="222" data-original-width="849" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrJDaaCrwjKKf9kIV_jacgDUBi_Y9Gfy1QV7JQ9BgovRqk2dunpsid-oHGpEDc5OyF_GSUAqVqFOb7L_Phw8azHKZnVI7pAjbCO8-0H5I1AlSqP7gGLJ3UVtsOWm3zXwZiT7-XrMrdXbOSqrjGH1W3tPq1grm9OdgtPszEPqx6Fj4W7uMGFa5GmAJQ4yeR/w640-h168/20230912090015.png" width="640" /></a></div><br /><span style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px;"><br /></span></div></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/254620187920268961/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/Dont-apply-for-a-student-loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/254620187920268961'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/254620187920268961'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/Dont-apply-for-a-student-loan.html' title='不要申請就學貸款'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiikyffznxqQs2TU9hl-AA95e4nwWMCqSynsZQfNnjXoLksji9oRWFY7ZLDkmshiQSUekSmvS5rJGAyTi0yfWoozfKzWs22hrygO1ruhGJc-qTtvCMnFXE9ULAvYwZaXoaupE0-qz1XttIx1LT39zG-qDyqe6jYW-825GE2hZDqK3Clcn4gDnfxEX5PPfq5/s72-w640-h432-c/money-2724241_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-8406609799689612397</id><published>2023-09-10T20:27:00.002-07:00</published><updated>2023-09-11T02:13:39.869-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="其他貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="耶穌基督後期聖徒教會"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="高額零利率貸款"/><title type='text'>斷捨錢坑</title><content type='html'><p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMjJW-6bXT5zqNd3_hie7ATGAbmNdyP1cQ_SzIqajQ9ERvLONXLxY6Xv3RVsUniW3kyCh7Nn1inLXTRWU8UO_HhL3flGRkxSeHrVg5peD5-ngsSp1kRLBg9I-EEx7TSDURWrEXYLojzWeXhlf5FXkzUZENhYZJEtbyt9PSUSNGOMKBPIpXNyHNSC2AIZ-b/s580/kk8bmj9_460x580.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="580" data-original-width="429" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMjJW-6bXT5zqNd3_hie7ATGAbmNdyP1cQ_SzIqajQ9ERvLONXLxY6Xv3RVsUniW3kyCh7Nn1inLXTRWU8UO_HhL3flGRkxSeHrVg5peD5-ngsSp1kRLBg9I-EEx7TSDURWrEXYLojzWeXhlf5FXkzUZENhYZJEtbyt9PSUSNGOMKBPIpXNyHNSC2AIZ-b/s16000/kk8bmj9_460x580.jpg" /></a></div><br />&nbsp;<p></p><p>這是從《<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010941730?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202309" target="_blank">薪水奴財務自由之路:35歲躺平樂活並不難,尋常上班族也可以辦到!</a>》一書的第二章儉約生活的三部曲:斷捨錢坑、改變習慣、儲存三成薪的第一步斷捨錢坑轉載來的文章,這裡12則的省錢的方法很多其實在教會很早就提過了,特別是信用卡的使用部份,這裡12則裡面就有3則,我找到教會資料還有紀錄可以找到的就是有一本叫做《同心理財》的家庭理財指南這本小冊子,據說這是2007年發行的One for the Money譯本,而這個小冊子是1975 年 4 月總會教友大會的福利會議上,十二使徒定額組成員艾希頓馬文長老發表了一篇演講,這本小冊子即是講辭摘要。冊子裡面就提了12個建議,列於下:</p><p></p><ol><li>誠實繳納什一奉獻</li><li>學會管理金錢,以免受金錢的控制</li><li>在金錢方面學習自律和自制</li><li>作預算:除了購置住宅、教育和其他重要的投資外,要避免負債及隨之而來的利息支出。用現金購買消耗品、支付度假費用。避免分期付款,並謹慎使用信用卡。信用卡主要是為了方便及辨識身分,不應該草率衝動地使用。使用多張信用卡很明顯地會增加過度負債的風險。</li><li>儘早教導家人工作與謀生的重要</li><li>以孩子能理解的方式教導他們作金錢方面的決定</li><li>教導家人為家庭整體的福祉貢獻一己之力</li><li>不斷接受教育</li><li>設法購置住宅</li><li>適度購買保險</li><li>了解外力對家庭財務及投資的影響</li><li>適度地參與食物儲藏及急難準備計畫 &nbsp;</li></ol><p>這12個建議可以再與下面轉載的內容做一些比較,我則繼續分享我的心得,第6個原則培養不花錢的興趣/運動,這讓我在安排教會的青少年活動有更多思考的空間。</p><p>第7個原則汽車的部份在我們在家中還有要討論的地方,但是新車的部份是有共識的,那換二手車呢?其實也還在討論中,如果我沒有教會召喚的話或許我會改成不買車吧,但如果考慮到事工服務的部份,我們就還需要與神商量這件事如何可以完成。</p><p>第8個原則很多是教會的智慧語誡命中就涵蓋的,我想這個律法遠在1833年先知就獲得了這個啟示,所以成員一直在受這項誡命所給予的祝福。</p><p>第11個原則應該是每個家中有小孩的家庭都會碰到的狀況,從這裡可以再次建立起我反對養寵物的原則,真好,有這個論點跟原則可以讓我更節省。</p><p>總上所述,這12個原則確實是可以好好運用在生活中的。</p><p>以下是轉載文章:</p><p>開源不易、省錢不難,先堵住錢包漏洞,免得竹籃打水一場空。</p><p>1. 僅保留≦2張免年費的低額度信用卡。</p><p>依金融聯合徵信中心的統計,2021年總流通卡數約5,263萬張,平均每位20歲以上成人的持卡約4.01張,有信用卡後,花錢很方便,容易成為儉約生活的缺口。基本上,以僅持有一張信用卡為宜,然而,有時需要另一張信用卡,例如某些賣場或聯營加油站,對會員有折扣(或積點)優待的信用卡。</p><p>此外,若持有如黑金卡、商務卡等高額度卡之後,在購物時,會常常忘了「我是誰」-而恣意刷卡購物,所以,信用卡額度不宜太高-避免在某些場合被強迫用信用卡付巨額費用,股素人就只有一張額度僅20萬元的信用卡兼悠遊卡-拒絕發卡銀行推銷的黑金卡。</p><p>2. 如期付清每期信用卡帳單。</p><p>避免延遲付清每月的信用卡費用,目前台灣的信用卡最高循環利率是15%,當信用卡帳單沒有全額付清時,會在下一期依規定利率(各發卡銀行不同),多收一筆 利息,如果又逾期不繳而要加收違約金/滯納金,依金管會統計,卡債族被收取的循環信用利率,平均為13% ,循環利率以天數計算,每月不斷累積。</p><p>循環利率金額=[未繳餘額x利率%x天數÷365 +違約金/滯納金],下一期的帳單,違約金/滯納金也成為未繳餘額,複利累積欠款的速度相當驚人;所以,實際繳納的循環利率,遠高於帳面上的「15%最高循環利率」。若再逾期2、3個月之後,銀行會發存證信函,催繳信用卡費,再不繳費,則淪落到經由法院進行催收程 序,強制扣薪或查封財產等,此欠債期間,未繳餘額仍將持續以複利快速成長。</p><p>3. 出國旅行不用信用卡購物。</p><p>信用卡付費很方便,因而花錢不痛不癢,信用卡公司除了最歡迎客戶使用循環利率付費之外,其次就是,在國外刷卡購物,發卡銀行是匯率、手續費兩頭賺,再加發卡機構的國外交易手續費(約1%),所以,出國前宜兌換適量的外幣現金,花完就好,尤其是有些海上郵輪旅遊,規定在郵輪限用信用卡消費,讓你在一些需付費的項目上花更多的錢,甚至比郵輪的船艙費還多。</p><p>4. 不看(電視)購物台的節目。</p><p>為什麼產品要打廣告?除了打開知名度外,就是要密集的利用廣告之「潛移默化」的洗腦功能,讓你在不知不覺中,認為它是好商品、值得購買;若看一般的(≦30秒)廣告或許還好,但是,若為長達3分鐘以上的電視廣告,或是購物台節目,通常由2位主持人一搭一唱,為了把握(永遠是)「最後3個名額」,就可能衝動地買下用不到的產品,或買了必後悔的商品(3、5年後就成為斷捨離的廢棄物);不接觸,誘惑就不會找上門,今日花了錢,就無法留給明天用。</p><p>5. 不買名牌,購物以實用性為主。</p><p>「名牌」對某些人有難以抵抗的吸引力,購買生活用品宜以實用性為指標,一個數萬元的名牌包,除了炫耀之外,功能多比不上1,000元的無品牌功能包,如果你非名牌不用,那鐵定是高消費的刷卡族,如果支出仍小於收入,或許無可厚非,畢竟內需消費,就需要靠刷卡高手來支撐。</p><p>名牌商品對於真正富人而言,花錢不痛不癢,多僅供炫富用,在乎別人的羨慕眼光,但是,對一般的上班族而言,一旦染上「名牌」癮,極可能成為卡奴的月光族。</p><p>6. 培養不花錢的興趣/運動,不加入要花錢的俱樂部。</p><p>興趣/運動是現代人維持身心健康的必要項目,有些需要花錢拜師學藝,有些可以免費自學;網路上有很多的免費興趣/運動之學習錄影節目,瑜珈、有氧運動、摺紙、插花、繪畫等教學,只要打個重點詞,就可找到免費的錄影教學,培養省錢的興趣。</p><p>此外,打桌球、網球比打高爾夫球便宜,學口琴、橫笛比學鋼琴省錢,慢跑、健行比上健身中心花費低,要花錢的興趣/運動一概免談,尤其切莫一時衝動,而買下鋼琴、桌球桌及撞球桌等佔空間的商品,有一友人家就擺了一台約20年前買給女兒的鋼琴,如今女兒出嫁了,依舊放在客廳當裝飾品。</p><p>7.上班10年內不買汽車。</p><p>上班族買車的理由很多,有人僅做假日出遊用,—台代步的入門款國產車價約60萬元,即使車款不算,每年的油費(15,000 km/年)、保險費、牌照稅、燃料費、通行費、停車費、車位費及保養費等,就需要12萬元以上,所以,買汽車之前宜三思,如果公司的待遇真的很好,或許搬到公司附近租房、騎機車上班比較划算。</p><p>10年不買汽車,至少可省下120萬元以上的養車費用,若用於投資,以8%投報率計算,10年下來,120萬元可成為259萬元,10年後光用利息就能買輛新車了。</p><p>此外,如果要買新車,應以現金購買,汽車商的廣告詞「高額零利率貸款」,並非真的是零利率,只是提高售價的零利率,若以現金購買,絕對還有折扣。</p><p>因為新車的折舊率高,所以,美國成功的「FIRE族」,多建議買3年左右且里程數在5萬公里以內的(非泡水)二手車。</p><p>8. 放棄如抽菸、喝酒、咖啡、冷熱飲等非必要且有礙健康的習慣。</p><p>抽菸、喝酒,除了有礙健康外,因為菸品、酒品的稅捐高,一旦上癮之後,每個月至少5,000元;至於咖啡、冷熱飲也並非生活必需品,每個月花3,000元來喝咖啡或冷熱飲的人也不少,有了需要花錢的習慣,儲蓄率必然降低。</p><p>同樣是上班族,有人自備白開水及便當,有人每天中午外出吃中餐,再帶一杯飲料進公司,相形之下,就知道誰會存下較多的錢了。</p><p>9. 不進「吃到飽」餐廳,省錢又健康。</p><p>上班族難免會因同事朋友聚餐,或是為家人到餐廳聚餐,不少人會選擇「吃到飽」餐廳,目前稍有知名度的「吃到飽」餐廳,多已成為千元起跳的高價位餐廳,因為「All you can eat」,很容易被誤以為「自己賺到了」,就會拼死吃,吃到撐、或立馬到廁所拉屎後,再回來吃。</p><p>一般人的正常食量多在0.8-1.2公斤之間,日本電視節目的「大胃王比賽」,以及知名的美國紐約「熱狗堡大賽」等,則可吃約6~7公斤的食物,但這些大胃王參賽者,多會在比賽前做「腸胃清空」準備,也有人吃到事後送醫或死亡,美國尚有許多的大胃王(速度)比賽,多年來,大胃王的死者已有10多人。俗話說:「殺頭生意有人做,賠錢生意沒人做」,餐廳只怕沒客人上門,「吃到飽」餐廳不會賠錢的。</p><p>10. 不看週年慶、母親節、春節等百貨公司的DM。</p><p>百貨公司的商品比較貴是理所當然,不少人以為週年慶、母親節、中秋節、春節等節慶活動的特價,買了就賺,但未必如此,去網購電商平台或特價商品大賣場找找看,百貨公司的特價品仍比網路商品貴許多。</p><p>我偶爾會去逛百貨公司,並不是為了買東西,而是為了看某些特定商品的實品,看看實品是否如我想要的東西一樣,再回網路上找相同品牌規格的物品,價格通常可便宜二成以上。</p><p>為了省錢,不要專程到百貨公司購物,有些人會有衝動性花錢的快感,而忘卻了未來的目標,把信用卡放在家裡,為逛街而逛街,就可享受純逛百貨公司的樂趣。</p><p>11. 不(為小孩)養寵物。</p><p>有不少父母為了小孩(哭鬧),一時興起而買了寵物,小至小魚缸的孔雀魚、斑馬魚,大至毛小孩,即使小孩在購買前,很爽快的答應會幫寵物清大便、餵飼料,不出一個月,就成為父母的無奈責任,就算小孩認真清屎、換飼料,—旦小孩(離家)上學,最後責任還是由父母承擔。</p><p>問了一位養狗狗的朋友,每個月要花約3,000元的飼料費及美容費,這還不算偶爾看一次病或住狗旅館要5、600元的費用,為小孩養寵物嗎?絕對不要妥協!</p><p>為自己喜歡而養寵物?先問問自己有多少時間陪牠,毛小孩單獨在家時,可能破壞力強,毛掉滿地、滿床,有時間清理嗎?是否會造成小孩氣喘?此外,—旦毛小孩死了之後要如何處理?友人養了一隻約8年的兔寶寶,在其往生之後,於心不忍,還花3,000元請「寵物葬儀社」處理,或許有些內疚,還問葬儀社人員:「你們會怎麼處理」,得到的回答是:「你就不要知道那麼多了」!</p><p>12. 以≦5%年薪買≧( 500萬壽險+日額3,000元住院醫療險)</p><p>商業保險是不少人的一大支出,2021年,台灣的人均GDP世界排名33,但是,保險滲透率卻是連續蟬聯全球第一,平均每人持有3.3張保單,也是全球第一,高於全球平均的2.3張,保險業務員常用「癌症時鐘」(每4分31秒就有一人罹癌)來嚇人,事實上,新發癌症多為不會死的0期或1期癌。</p><p>一些成功「FIRE族」的臉書、部落格,多提到「不宜投保太多的商業保險」,足見買太多的商業保險,也是錢坑之一,買多保險,不如買對保險,所以,宜檢討自己的保險支出,是否過高。在第一版的「Your Money or Your Life」書中,有一篇為「101 Sure Ways to Save Money」單元,第9條即是「檢討你的人壽保險是否保太多」?</p><p>「要花多少錢買保險才夠?」,保險業務員會跟你說:「用10%年薪買10倍年薪壽險」,買保險之前,謹記保險三訣:「錢花刀口上、保大不保小、救急不救窮」,事實上,即便是年薪30萬元的低薪族,也可能以(12,000元/年)≦5%年薪,買≧( 500萬元壽險+日額3,000元住院醫療險,詳見股素人著作《買對保險了嗎?》。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/8406609799689612397/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/Dont fall into a money pit.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/8406609799689612397'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/8406609799689612397'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/Dont fall into a money pit.html' title='斷捨錢坑'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhMjJW-6bXT5zqNd3_hie7ATGAbmNdyP1cQ_SzIqajQ9ERvLONXLxY6Xv3RVsUniW3kyCh7Nn1inLXTRWU8UO_HhL3flGRkxSeHrVg5peD5-ngsSp1kRLBg9I-EEx7TSDURWrEXYLojzWeXhlf5FXkzUZENhYZJEtbyt9PSUSNGOMKBPIpXNyHNSC2AIZ-b/s72-c/kk8bmj9_460x580.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-7505503160828140867</id><published>2023-09-07T07:27:00.002-07:00</published><updated>2023-09-07T07:28:55.442-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="永久教育基金"/><category scheme="http://www.blogger.com/atom/ns#" term="耶穌基督後期聖徒教會"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>我應該申請永久教育基金貸款嗎?</title><content type='html'><div style="text-align: center;"><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/vUa5oGrsVOE?si=v0ZkrY07LWLW9J5o" title="YouTube video player" width="560"></iframe></div><div style="text-align: left;">這個影片是來自教會的《為更好的工作接受教育》自立課程的第四章 我應該申請永久教育基金貸款嗎?就如同在<a href="https://www.daikuan.space/2023/08/pef-perpetual-education-fund-loan.html">永久教育基金貸款的步驟</a>裡提到的,現在的永久教育基金貸款的利率是3%,可能比學校跟銀行合作的就學貸款利率還高,那麼如果就學貸款可以貸到的話,就可以不用考慮永久教育基金貸款了,但重點不是貸款,而是要透過這個貸款去學習技能,技能能幫助你找到好的工作,增加你的收入,你的資產才有可能增加,你才能成功,相片中的主角真的很認真,就像大叔我之前念在職專班一樣的辛苦,但是終究是有祝福的。</div><div style="text-align: left;">可以邀請來閱讀這段經文,我們在進步的過程中,並不孤單。要記住:「我靠著那加給我力量的、凡事都能作。」(腓立比書4:13)</div><div style="text-align: left;">對了,從今天起我要繼續增加我的存款,我記得是8/4開始的,就讓我今天存進1+2+3+...+35=630元。</div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/7505503160828140867/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/should-i-apply-for-a-perpetual-education-fund-loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7505503160828140867'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/7505503160828140867'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/should-i-apply-for-a-perpetual-education-fund-loan.html' title='我應該申請永久教育基金貸款嗎?'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/vUa5oGrsVOE/default.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-2190308376290862302</id><published>2023-09-06T19:20:00.001-07:00</published><updated>2023-09-07T07:34:57.412-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="信用貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款名詞"/><title type='text'>【轉載】信用貸款是什麼?認識銀行安心貸款管道,掌握申請條件及額度</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWAjhJF3DwfPKFyU4cyyPV41exoYUFFRU7GyvLL6ExCab1vSqQEverM5_EzoFNRhQt81A7ik0LCxIijtf80YAZ9hpf0twgS7RRf-kY22jczUMJymaSKSA2j6ERr3ErKRe2wQDTaK04JSHpdL2EyTQdGyOhefxfhHt3qUdr7DK9FUapn3jYlBx1jd5uDTKW/s858/20230907100805.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="858" height="538" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWAjhJF3DwfPKFyU4cyyPV41exoYUFFRU7GyvLL6ExCab1vSqQEverM5_EzoFNRhQt81A7ik0LCxIijtf80YAZ9hpf0twgS7RRf-kY22jczUMJymaSKSA2j6ERr3ErKRe2wQDTaK04JSHpdL2EyTQdGyOhefxfhHt3qUdr7DK9FUapn3jYlBx1jd5uDTKW/w640-h538/20230907100805.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: left;">圖文引用來源永豐銀行</div><div class="separator" style="clear: both; text-align: left;">這篇文章提到『<span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px;">信用貸款是以借款人的信用為依據申請的貸款,不需提供抵押品,銀行會根據個人的信用狀況及還款能力綜合評估後,提供一筆資金,不論是用於週轉、購車、結婚、房屋裝修,信用貸款能滿足短期資金需求,只要平時保持良好的個人信用,且擁有穩定的工作收入,就有機會提高銀行核貸的成功率。』</span></div><h2 style="clear: both; text-align: left;"><span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; letter-spacing: 1.5px;">信用貸款好嗎?信用貸款3大優點</span></h2><p></p><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">信用貸款不僅是由銀行提供的合法借貸方式,包含貸款額度、期限及年利率等資訊,都是公開透明,讓一般民眾可以放心從銀行取得資金。除此之外,信用貸款還有以下3個優點,將為您一一介紹:&nbsp;</p><div><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">1.申請方便</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">信用貸款可以直接向銀行提出申請,不需提供任何抵押品,近年各家銀行亦提供24小時線上申貸服務,相當方便。</p><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">2.還款方式多元</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">你可以評估自身的還款能力,並比較各家銀行貸款方案的分期年利率、攤還年限,依據個人需求,可選擇本息攤還型貸款或透支型貸款,找到最適合個人經濟狀況的信用貸款方案。&nbsp;</p><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">3.可作為資產管理工具</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">若您之前已有向銀行申請其他貸款服務,可再使用信用貸款整合個人債務,降低每月償還貸款金額,重整手上資產。</p><h2 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; clear: both; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.75em 0px; padding: 0px;">信用貸款條件</h2></div><div><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">信用貸款是任何人都可以申請嗎?其實不然,除了年紀需大於20歲,銀行為了排除還款能力不佳的借貸人,又設定3個申請門檻:</p><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">1.穩定薪資收入</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">工作6個月以上且擁有薪資收入的人,就能以勞健保或薪轉紀錄作為證明文件,向銀行提出申貸,不過仍建議任職滿1年後再申請,否則容易被銀行方認定收入不穩定。&nbsp;</p><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">2.基本年收入門檻</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">為確保貸款人的還款能力,多數銀行會要求貸款人在申請時提出近6個月收入證明以換算年收入,年收入一般門檻為30萬元。&nbsp;</p><h3 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; color: #9b9697; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.83em 0px; padding: 0px;">3.擁有良好信用紀錄</h3><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;"><u><a href="https://www.jcic.org.tw/main_ch/docDetail.aspx?uid=1553&amp;pid=74&amp;docid=627" style="box-sizing: border-box; color: red; cursor: pointer; height: 100%; text-decoration-line: none; width: 100%;" target="_blank">信用分數</a></u>直接影響貸款的核准成功率,也會關係到貸款的額度與年利率。平時可以透過信用卡消費,並準時繳款,固定與銀行往來,就能累積良好信用。</p><h2 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; clear: both; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.75em 0px; padding: 0px;">信貸額度上限是多少?</h2></div><div><span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px;">根據</span>金管會<span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px;">的規定,一般民眾申請信用貸款的額度上限,不得超過月收入的22倍,但由於每個人的信用、與銀行往來的互動狀況皆有所不同,較難明確指出個人的貸款額度將會落在多少區間。因此建議您向銀行諮詢,或使用</span>線上諮詢服務<span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px;">,由貸款專員專門為您分析適合的貸款方案。</span></div><div><h2 style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; clear: both; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-weight: bolder; margin: 0.75em 0px; padding: 0px;">永豐銀行數時貸|限時優惠線上立即貸</h2><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">永豐銀行數時貸,只要上網即可24小時申請貸款,不僅回覆即時,營業時間內最快1小時內有數位專員與您聯繫,申貸後最快1天內就會撥款,取得資金快速又方便。除此之外,數時貸推出限時優惠,包含首期年利率0.01%、手續費0元起的超值福利,額度最高可到800萬元!是您取得資金的最佳管道。</p><p style="background-color: rgba(255, 255, 255, 0.5); box-sizing: content-box; font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px; line-height: 30px; margin: 1.12em 0px; padding: 0px;">瞭解更多關於<u><a href="https://bank.sinopac.com/sinopacBT/webevents/psn_loan/index.html" style="box-sizing: border-box; color: red; cursor: pointer; height: 100%; text-decoration-line: none; width: 100%;">永豐銀行貸款服務</a></u>,聰明理財。&nbsp;</p></div><p></p><div class="separator" style="clear: both; text-align: left;"><span style="background-color: rgba(255, 255, 255, 0.5); font-family: 微軟正黑體, &quot;Microsoft JhengHei&quot;, Helvetica, Arial; font-size: 16px; letter-spacing: 1.5px;"><br /></span></div><br /><p></p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/2190308376290862302/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/What-is-a-credit-loan.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2190308376290862302'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2190308376290862302'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/What-is-a-credit-loan.html' title='【轉載】信用貸款是什麼?認識銀行安心貸款管道,掌握申請條件及額度'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWAjhJF3DwfPKFyU4cyyPV41exoYUFFRU7GyvLL6ExCab1vSqQEverM5_EzoFNRhQt81A7ik0LCxIijtf80YAZ9hpf0twgS7RRf-kY22jczUMJymaSKSA2j6ERr3ErKRe2wQDTaK04JSHpdL2EyTQdGyOhefxfhHt3qUdr7DK9FUapn3jYlBx1jd5uDTKW/s72-w640-h538-c/20230907100805.png" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-4064096479779264923</id><published>2023-09-06T05:59:00.004-07:00</published><updated>2023-09-06T05:59:33.152-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Video"/><category scheme="http://www.blogger.com/atom/ns#" term="中小企業"/><category scheme="http://www.blogger.com/atom/ns#" term="中小企業放款第一名"/><category scheme="http://www.blogger.com/atom/ns#" term="微型企業"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="週轉金"/><category scheme="http://www.blogger.com/atom/ns#" term="青年創業"/><title type='text'>第一銀行 ● 中小企業貸款首選銀行-拍片篇</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/pGp7QwWTuI0" width="320" youtube-src-id="pGp7QwWTuI0"></iframe></div><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><p>爆破畫面只有仙女棒?</p><p>預算不足怎麼可能拍出好片?</p><p>第一銀行支持文創</p><p>貸你成為下一個李安!</p><p>現在就Action~</p><p><br /></p><p>第一銀行就在你左右</p><p>貸款任意門24小時全年無休</p><p>「微企e時貸」貸你升級</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/4064096479779264923/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/First Bank.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4064096479779264923'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4064096479779264923'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/First Bank.html' title='第一銀行 ● 中小企業貸款首選銀行-拍片篇'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/pGp7QwWTuI0/default.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-3076865519383160376</id><published>2023-09-06T05:52:00.001-07:00</published><updated>2023-09-13T23:21:29.337-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Video"/><category scheme="http://www.blogger.com/atom/ns#" term="增貸"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="轉增貸"/><title type='text'>【阿格力】房貸越借越有錢?富人不說的增貸與轉增貸。</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/VvMQxq7wU8U" width="320" youtube-src-id="VvMQxq7wU8U"></iframe></div><div class="separator" style="clear: both; text-align: center;">今天從影片中學到增貸跟轉增貸的概念,下次繼續分享這兩個主題。</div><br /><p></p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/3076865519383160376/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/Additional-Borrowing-on-Mortgage.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3076865519383160376'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3076865519383160376'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/Additional-Borrowing-on-Mortgage.html' title='【阿格力】房貸越借越有錢?富人不說的增貸與轉增貸。'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/VvMQxq7wU8U/default.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-2276785728640242640</id><published>2023-09-06T05:33:00.001-07:00</published><updated>2023-09-06T05:33:37.306-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Video"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>國民姑丈羅時豐傳授借錢之道|跟銀行借OK的啦|OK忠訓國際,你的貸款理財教練feat.羅時豐</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/wsnxm3cpah8" width="320" youtube-src-id="wsnxm3cpah8"></iframe></div><br /><p></p><div><div>生活總有急需資金的時候,</div><div>開口借錢的困難,OK忠訓國際最清楚。</div><div>國民姑丈 羅時豐說的話你要聽,</div><div>借錢要找對人、找對方法,才能避免潛在風險。</div><div>OK忠訓國際,你的貸款理財教練,</div><div>超過200萬人次諮詢經驗,專利數位貸款媒合平台,</div><div>協助你取得銀行低利貸款方案。</div><div>羅時豐真心推薦,資金需求找OK忠訓國際,OK的啦~</div></div><div>忠訓國際的廣告影片有點好笑~</div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/2276785728640242640/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/ok bank.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2276785728640242640'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2276785728640242640'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/ok bank.html' title='國民姑丈羅時豐傳授借錢之道|跟銀行借OK的啦|OK忠訓國際,你的貸款理財教練feat.羅時豐'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/wsnxm3cpah8/default.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-6224539575494815579</id><published>2023-09-05T19:15:00.001-07:00</published><updated>2023-09-05T19:15:16.571-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="創業"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>80後不妨先以攢錢為主</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMt5LZTY7YukWnIA1ldJDTtZeMx3VLEg9qgatcaS3ccXz1vvgjw6aujbb8XuYu7hu9Ji3KQdm35TiRHCWEYBSEfkLGQW-6RSwLaLwFrP0OCW7ADDnpWHNvKZy9OJz7UccoKKP2NXzXUur7usrEVdDVwFC_4_mjNjxoxe_TzkAOVHv2DTRAe5ZnN4vfRae2/s580/8f41gd8_460x580.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="580" data-original-width="410" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMt5LZTY7YukWnIA1ldJDTtZeMx3VLEg9qgatcaS3ccXz1vvgjw6aujbb8XuYu7hu9Ji3KQdm35TiRHCWEYBSEfkLGQW-6RSwLaLwFrP0OCW7ADDnpWHNvKZy9OJz7UccoKKP2NXzXUur7usrEVdDVwFC_4_mjNjxoxe_TzkAOVHv2DTRAe5ZnN4vfRae2/s16000/8f41gd8_460x580.jpg" /></a></div>在電子書<a href="https://moo.im/a/glruFK" target="_blank">自己理財不求人:從腦袋到口袋的最佳觀念</a>的第2章 投資儲蓄篇——要致富,先“存款”的《80後不妨先以攢錢為主》一節,這裡的80後主要是指1980年-1989年出生的公民,相當於台灣常說的七年級或七年級生,也相近於美國的y世代年齡層,這裡頭引用了日本麥當勞名譽社長藤田田貸款的故事,我認為這是將貸款運用到創業或是投資的一個典範。<div><p>轉載內容是這樣的:</p><p>俗話說“巧媳婦難為無米之炊”,理財同樣如此,如果手上沒有財,有再多的理財知識也是白費。對於剛剛步入社會不久的80後來說,要想富,不妨先以攢錢為主。</p><p>目前-日本有1.35萬間麥當勞店-一年的營業總額突破40億美元大關。而所有店面的主人,是一個叫藤田田的老人,他不僅是日本麥當勞社名譽社長,更是日本商界叱吒風雲的人物。可是,你知道嗎?這個擁有40億美元資產的日本人卻是從5萬美元起家的。</p><p>1965年,藤田田畢業于日本早稻田大學經濟學系,剛走出校園時,他只是個毫無家族資本支持的打工仔。那時的他只有5萬美元,可他卻將眼光放在了美國的麥當勞上。要知道,若想取得麥當勞的特許經營權,至少要擁有75萬美元的現款以及一家中等規模以上的銀行做信用支持。當時的藤田田使出了渾身解數東拼西湊,可離75萬美元的數目仍相差甚遠。面對巨大的資金落差,要是一般人,也許早就心灰意冷,前功盡棄了,然而,藤田田卻偏有對困難說不的勇氣和銳氣,他想到了“貸款”。</p><p>一天清晨,藤田田走進了住友銀行總裁的辦公室。他以極其誠懇的態度,向對方表明了他的創業計畫和求助心願。總裁看他經濟實力太薄弱,就婉轉地拒絕了他。藤田田誠懇地說:“您可否讓我講講我那5萬美金的來歷呢?在這6年裡,我每月堅持存下1 / 3的工資獎金,雷打不動。在這期間,我曾無數次面對過度緊張或手癢難耐的尷尬局面,但都克制欲望,堅持了下來。有時候,碰到意外事故需要額外用錢,我也照存不誤,甚至不惜厚著臉皮四處告貸,以增加存款。因為在跨出大學門檻的那—天我就立下宏願,要以10年為期,存夠10萬美元,然後自創事業,現在機會來了,我要提早開創事業......</p><p>簡短地敘述卻深深打動了住友銀行的總裁,送走藤田田後,總裁立即驅車前往藤田田儲蓄的那家銀行,在核實了藤田田的存錢情況之後,很快表示可以支持他創建麥當勞事業。</p><p>藤田田的創業史告訴了我們儲蓄的重要性。攢錢不僅能夠給自己積累一定的財富,還能幫助我們養成節約、有計劃開支的意識-贏得別人的信賴,從而增加成功的機會。</p><p>雖然很多人都認同攢錢的重要性,但卻很難做到,因為要想“存得多”,那就不得不緊衣縮食,降低現有的生活水準。一想到這點,很多人便缺乏了這種自律心。針對這一現象,美國著名成功學家博恩崔西提出這樣一個克服人性弱點的技巧:你不必縮減現有開銷,畢竟“由奢返簡難";而是“未來”每當收入增加時,就存下其中50% 。這樣一來-既不會影響到現有的生活水準,還可以照樣花用另外50%新増收入,買任何你想買的東西。</p><p>還有些人始終認為,攢的多不如掙得多,他們認為自己根本沒有必要這樣節衣縮食地生活,他們相信自己明天有能力繼續賺錢保持現有的經濟水準,與其今天省吃儉用攢明天的錢,不如今朝有酒今朝醉,明天再去掙明天的錢。殊不知,這樣的生活方式完全受惠於大環境,一旦景氣反轉直下,財務就可能拉警報。</p><p>即使排除大環境變化的可能性,也充分肯定這些人的掙錢能力,但是你總會有年老失去勞動能力的一天,在那一天來臨之前,你計算過需要擁有多少錢才能安度晚年嗎?</p><p>作為一個普通市民,平時的日常開銷除了吃、穿、租、買之外,最大的消費一般體現在五個方面:子女教育、家庭住房、汽車更新、出國旅遊以及退休養老。在子女教育方面,從妊娠期算起,到子女22歲大學畢業;在家庭住房方面,以空間合理、地段適中,裝修適度、貸款從容為目標;在汽車更新方面,普通人一生將由次至好地添置及更換五到六次自己的座駕;在出國旅遊方面,以每年出外旅遊三周為例;最後,在退休養老方面,在目前國家的政策指導之下,今後這方面的費用占人一生總支出的比例只可能越來越小。將以上這些方面粗略估計,以未來年均3%左右的通貨膨脹率計算,一生在大城市中生活需要500萬元左右,才能活得自由平和;在中小城市裡生活大概需要300萬元左右累積收入,才能活得小康安詳。這些巨額的數位足以讓我們每一個人認識到及早儲蓄的重要性。</p><p>儘管如此,還是會有很多人一想到攢錢就馬上聯繫到“痛苦”和“蟻牲”,認為既然要儲蓄,一定會少了“享受”與快樂。其實,你大可不必這麼悲觀,換個角度看問題,會讓自己生活的更加舒心。例如,一想到儲蓄就覺得自己獲得了財務上的獨立,從而感到快樂;一想到錢會流失,就覺得心裡難受。</p><p>你也無需在儲蓄上花費太多的精力,只要在每個月拿到薪水後,確保在動用任何開銷前先存下至少10%。之後可以採用循序漸進的方法,第一個月只減少1%的開支,並把這1%存入你的“財務獨立”帳戶,不論任何情況下, 都堅持“只進不出”的原則,並且將任何額外的收入,如員工分紅、退稅等,也都立刻存進這個帳戶。等到第二個月減少2%的開支,再下個月3%……由於每個月減少的額度並不大-你幾乎察覺不出日常開銷受到影響,很容易適應,而且堅持一段時間後,你就可建立起每月至少儲蓄10%的習慣。</p><p>不要小瞧這10%,不積蹉步,無以至千里,不積小流,無以成江海,儲蓄同樣如此。經濟學上有這樣一個公式:72÷利率=存款倍增所需年數。假若現行利率是8%,9年後你的存款就靠著複利,自動增加一倍。例如,從21歲參加工作開始,每月只要存區區100元,在10%的利率下,65歲退休時就滾到1,118,000元!</p><p>任何巨大的財冨,都是從無數小節省涓滴累積起來的。等到你把儲蓄變成一種習慣,你會慢慢發現自己的原始資本越來越多,當有了原始積累以後,就可以通過各種投資手段去獲得穩定的現金收益。</p><p>讀者互動:</p><p>問:我也想攢錢,但總感覺生活中每筆開銷都是必不可少的,我什麼時候才能攢夠投資的錢呢?</p><p>答:凡事起步的時候都是最難的,貧窮者要變成冨人,最大的困難也是最初幾年。對於白手起家的人來說,如果第一個百萬花費了 10年時間,那麼第二個百萬只需5年,再將百萬變成千萬乃至億,也許只需要3年就足夠了。攢錢同樣如此,開始的時候總是很難,但是當你擁有了豐冨的經驗以及足夠的啟動資金後,財冨就會像已經跑起來的汽車,你只需輕輕踩住油門,車就會前進如飛。最初的幾年也許是最困難的時候,但是只要能堅持下來,財冨的積累會變得越來越容易。</p></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/6224539575494815579/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/09/how-to-save-money.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/6224539575494815579'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/6224539575494815579'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/09/how-to-save-money.html' title='80後不妨先以攢錢為主'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMt5LZTY7YukWnIA1ldJDTtZeMx3VLEg9qgatcaS3ccXz1vvgjw6aujbb8XuYu7hu9Ji3KQdm35TiRHCWEYBSEfkLGQW-6RSwLaLwFrP0OCW7ADDnpWHNvKZy9OJz7UccoKKP2NXzXUur7usrEVdDVwFC_4_mjNjxoxe_TzkAOVHv2DTRAe5ZnN4vfRae2/s72-c/8f41gd8_460x580.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-2707068591770285455</id><published>2023-08-31T23:42:00.000-07:00</published><updated>2023-08-31T23:42:07.734-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="其他貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="子女出國留學貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="急難貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="生育貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="結婚貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>公教人員的其他福利</title><content type='html'><p>&nbsp;</p><div class="separator" style="clear: both; text-align: center;"><a href="https://www.books.com.tw/exep/assp.php/achi/products/0010916575?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202308" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" data-original-height="905" data-original-width="669" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHZus0GFKhao7D5cqQAH8t9jTez4ucmc3eSIqd2bkq0w6KQFSk_xtJEMZKzDPA7fPfZ-tFZVlkCZBbasX9ap6NIdkwCezjmiVdGWU8ln0iFI1MPnQjwPKSFLPTglugu7gSBXY6NAqbn5jqxKsk3m7Ry4LoJ-KVJtCJVc5G0AAM9g3dbSNJcdg6xudIc8t-/w474-h640/20230829115514.png" width="474" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div>最近在讀<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010916575?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202308" target="_blank">2022名師壓箱秘笈--教育行政學精析:解題策略完全掌握!〔高普考/地方特考/各類特考〕</a>,突然看到了下面這個其他福利圖表,感覺公職人員或是當老師的福利還真不錯,有時候聽見擔任公教人員的朋友說他們的小孩都不願從事公教的工作,但是有時候也會聽說這個鐵飯碗的錄取率超低的,所以說還是有人搶著要做吧,像我的小姨子也是想當正式教師,但是現在也都只能找代理教師來做,就可以知道公教人員的工作還是很夯的。<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZAuYoXxRv__PwVKIx4NLo3ShGtOhgA8E3DvsBRNcBDf1juUlXhAFqmJTOUvfv4X189wiXwASFZu8rN8t6DuyOgBeD4G-8wBnX1N394bOxb70U97eum8Eb-ECcWVwL-J5UYkK1P6UfCuiVppqlVlNwgErnrMy2f910JhOX3mHTesJWAg4pPsa-DH8tWprw/s581/20230829155609.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="581" data-original-width="560" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZAuYoXxRv__PwVKIx4NLo3ShGtOhgA8E3DvsBRNcBDf1juUlXhAFqmJTOUvfv4X189wiXwASFZu8rN8t6DuyOgBeD4G-8wBnX1N394bOxb70U97eum8Eb-ECcWVwL-J5UYkK1P6UfCuiVppqlVlNwgErnrMy2f910JhOX3mHTesJWAg4pPsa-DH8tWprw/w616-h640/20230829155609.png" width="616" /></a></div><p>先查一下「中央公教人員急難貸款實施要點」來看急難貸款這個福利項目相關資訊。</p><p>三、急難貸款項目及金額:</p><p>(一)發生各項事故時,公教員工得分別依下列規定申請貸款:</p><p>1️⃣傷病醫護貸款:每一員工最高新臺幣六十萬元。</p><p>2️⃣喪葬貸款:每一員工最高新臺幣五十萬元 。</p><p>3️⃣災害貸款:每一員工最高新臺幣六十萬元 。</p><p>4️⃣育嬰貸款:每一員工最高新臺幣六十萬元。雙生以上者,最高新臺幣一百二十萬元。</p><p>5️⃣產後護理貸款:每一員工最高新臺幣三十萬元。</p><p>6️⃣長期照護貸款:每一員工最高新臺幣六十萬元。</p><p>(二)夫妻或親屬同為公教員工時,對同一事故以申貸一次及一個貸款項目為限,不得重複申貸。</p><p>(三)貸款人於貸款償還期間, 再發生急難事故時,得再申請貸款。但其金額連同尚未償還之貸款餘額,不得超過新臺幣一百二十萬元,且每月應攤還本貸款之本息總額,不得超過其薪資總額指按月支領之薪俸、技術或專業加給或學術研究加給及主管職務加給之總額二分之一。</p><p>有關申貸條件、申請手續及其他相關資訊我就不多說了,朋友可以從<a href="https://www.dgpa.gov.tw/FileConversion?filename=dgpa/files/202209/3d48a2a2-de66-49ee-b336-e1bf04ac9e61.pdf&amp;nfix=&amp;name=%e4%bf%ae%e6%ad%a3%e4%b8%ad%e5%a4%ae%e5%85%ac%e6%95%99%e4%ba%ba%e5%93%a1%e6%80%a5%e9%9b%a3%e8%b2%b8%e6%ac%be%e5%af%a6%e6%96%bd%e8%a6%81%e9%bb%9e.pdf" target="_blank">修正中央公教人員急難貸款實施要點.pdf</a>下載附件檔案內容來看。</p><p>我覺得最重要的是貸款償還的部份,還款期間最長可以分六年(七十二期),平均償還本息。利息分擔是按郵政儲金二年期定期儲蓄存款機動利率減年息0.0二五厘計算機動調整。所以像中華郵政公司二年期定期儲金年利率,自112年3月29日起調整存款利率後,一般存款:固定 1.625%、機動 1.595%。這個急難貸款的利息就是年利率1.595%-0.025%=1.57%,這個利率真的很低,有需要的話,就可以好好運用。</p><p>第二個福利項目是購置住宅輔助貸款,現在查到公教員工各項優惠貸款現行利率一覽表,貸款名稱是築巢優利貸-全國公教員工房屋貸款,目前是臺灣銀行及中國信託承作,目前利率是2.06%,這個利率也是我的房貸利率還低很多,從事公教工作真的好處不少啊!</p><p>其實我有點搞不懂圖表的購置住宅輔助貸款跟房屋貸款這兩個項目有什麼不同,如果有公教工作的朋友,是不是可以留言回覆下,謝謝。</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbNnjSOmm_p4XOIJP7MTxCvxYfog-4hisvKMt7H6U_pdWMy3Lsl2vSnHLdk-yVoclUNBhXBHwhxGECajlgC1RXqsZfMwsPJoVWDRLBhVZuUMMYSIdlmzyz0iNjGvZZXcS4A2TX-U3t8ejbJRb9A9dRJm5mNv5BIeFJZSoezoGBlq8MUwqiM-YhX8KHC5Zx/s853/20230901114805.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="710" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbNnjSOmm_p4XOIJP7MTxCvxYfog-4hisvKMt7H6U_pdWMy3Lsl2vSnHLdk-yVoclUNBhXBHwhxGECajlgC1RXqsZfMwsPJoVWDRLBhVZuUMMYSIdlmzyz0iNjGvZZXcS4A2TX-U3t8ejbJRb9A9dRJm5mNv5BIeFJZSoezoGBlq8MUwqiM-YhX8KHC5Zx/w532-h640/20230901114805.png" width="532" /></a></div><div class="separator" style="clear: both; text-align: left;">我另外找到了有關結婚及生育的補助,所以如果補助的金額不夠的話就可以考慮使用圖表的結婚、生育、急難及子女出國留學等的貸款,這個法律依據是公務人員退休撫卹基金管理委員會與往來銀行合作辦理參加退撫基金人員指定用途貸款作業規定來處理的,我現在看到的最新的申辦期限是民國 112 年 1 月 1 日至 113 年 12 月 31 日止。</div><div class="separator" style="clear: both; text-align: left;"><div class="separator" style="clear: both;">承辦銀行及貸款利率:</div><div class="separator" style="clear: both;">(一)承辦銀行:第一商業銀行及合作金庫商業銀行。</div><div class="separator" style="clear: both;">(二)貸款利率:依中華郵政二年期定期儲金機動利率(目前為1.47%)加碼 0.675%(目前利率為 2.145%)機動計息。</div><div class="separator" style="clear: both;"><div class="separator" style="clear: both;">每人貸款額度:</div><div class="separator" style="clear: both;">(一)每位借款人借款額度,以其每月應攤還本息之金額不超過每月俸給總額三分之一為限。</div><div class="separator" style="clear: both;">(二)急難貸款:最高不得超過新台幣 100 萬元。</div><div class="separator" style="clear: both;">(三)子女出國留學貸款:最高不得超過新台幣 100 萬元。</div><div class="separator" style="clear: both;">(四)結婚貸款:最高不得超過新台幣 50 萬元。</div><div class="separator" style="clear: both;">(五)生育貸款:最高不得超過新台幣 50 萬元。</div><div class="separator" style="clear: both;">(六)借款人在金融機構如已借有信用貸款未清償但仍依繳款期限繳交本息,且無滯延繳納者,辦理本次貸款時,除選擇採用本作業規定第 10 點第 2 項之保證方式者外,應扣除已借款之</div><div class="separator" style="clear: both;">額度。</div></div><div><br /></div></div>比較起來這裡所提的急難貸款比最前面提到的急難貸款的額度要高,但是利率也較高,所以公教朋友們可以參考比較與選擇使用,但基本上應該是比我們在私人公司上班在一般的銀行辦貸款要好的多,所以要想好好理財的話,就可以考慮投入公教人員的工作,是個很好的選擇。<br /><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/2707068591770285455/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/08/Civil Service Employee Benefits.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2707068591770285455'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/2707068591770285455'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/08/Civil Service Employee Benefits.html' title='公教人員的其他福利'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHZus0GFKhao7D5cqQAH8t9jTez4ucmc3eSIqd2bkq0w6KQFSk_xtJEMZKzDPA7fPfZ-tFZVlkCZBbasX9ap6NIdkwCezjmiVdGWU8ln0iFI1MPnQjwPKSFLPTglugu7gSBXY6NAqbn5jqxKsk3m7Ry4LoJ-KVJtCJVc5G0AAM9g3dbSNJcdg6xudIc8t-/s72-w474-h640-c/20230829115514.png" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-4612959609657888988</id><published>2023-08-23T23:59:00.002-07:00</published><updated>2023-09-07T03:38:44.525-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="信用卡"/><category scheme="http://www.blogger.com/atom/ns#" term="債務"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="除債行事曆"/><title type='text'>擺脫債務的5個步驟</title><content type='html'><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXQT24vsr-miCbxAIppGQBKYJtH2nnf5YmAMn10WJIDYZx8qSdNzsw8sVBSkn-A9HVv_4J_hxGdvi7QkMcOy_2bLBVPXF4FSc81vB4GqKiXu1Eb93__MUOz1arZUWpj_XIbvAjHvobjNWC2LQb3tK80lVXU8yMSTg8Yr7JtfQu8sREHo3no3_THjOfXqie/s1280/sell-5301466_1280.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXQT24vsr-miCbxAIppGQBKYJtH2nnf5YmAMn10WJIDYZx8qSdNzsw8sVBSkn-A9HVv_4J_hxGdvi7QkMcOy_2bLBVPXF4FSc81vB4GqKiXu1Eb93__MUOz1arZUWpj_XIbvAjHvobjNWC2LQb3tK80lVXU8yMSTg8Yr7JtfQu8sREHo3no3_THjOfXqie/w640-h426/sell-5301466_1280.jpg" width="640" /></a></div><br /><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-size: 15px; outline: 0px; transition: all 0.3s ease 0s;"><br /></span><p></p><p><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: white; color: #5e5e5e; font-size: 15px; outline: 0px; transition: all 0.3s ease 0s;">在電子書</span><a href="https://moo.im/a/9ahoxP" style="background-color: white; color: #e74c3c; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">30年後,遇見快樂富足的自己</a><span style="background-color: white;"><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">裡有這樣一節「擺脫債務的5個步驟」,或許這也不是什麼很高深的技巧,但是如果可以幫上你的忙的話,就留言回覆一下囉。除了下面轉載的內容外,教會教導『</span></span></span><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: rgba(255, 255, 255, 0.01); color: #333333; font-size: 16px;">量入為出是保障個人財務狀況的關鍵因素。除非需購買簡單適當的住宅、繳付教育費用或支付其他重要需求,否則應避免負債。如果已經負債,應儘速清償。除債行事曆和家庭預算表是一些擺脫負債的有用工具。』這裡頭提到了</span><span face="&quot;Open Sans&quot;, sans-serif" style="background-color: rgba(255, 255, 255, 0.01); color: #333333; font-size: 16px;">除債行事曆和家庭預算表,如果我有找到更多的資訊的話,就再分享出來。</span></p><p><span style="background-color: white;"><span face="Open Sans, sans-serif" style="color: #5e5e5e;"><span style="font-size: 15px;">轉載的內容如下:</span></span></span></p><p>在所有令人輾轉反側無心睡眠的金錢問題中,欠錢恐怕是最突出也最普遍的一個了。債務是最令人尷尬和羞愧的,它如影隨形,影響你的正常生活,而且還會越變越大。你視而不見,幻想逃避是行不通的。擺脫它的唯一辦法就是直面債務。下面這位女性的經歷或許也是我們最熟悉的經歷:</p><p>“我18歲就開始為錢煩惱。我有5張信用卡,以至於我常忘記刷的是哪張卡,哪張卡裡欠下了債。後來當我發現事情越發難以控制時,我將那些債務合併了,取消了多餘的信用卡,只保留一張。但為時已晚,我已經欠下了17000 英鎊的債務。這一年來我一直在還債, 現在我還欠有12300英鎊的債務,在接下來的4年中我每個月必須還款281英鎊。過去瘋狂地買鞋、買包、度假、去夜店等使我欠下了這筆巨額的債務。我並不後悔,因為我擁有這些回憶。但是除了回憶,似乎再沒有什麼值得炫耀的了。”</p><p>不要再怨天尤人了,你必須馬上行動起來。在債務的事情上磨磨蹭蹭只會讓你付出更大的代價,因為你拖延得越久,你的利息就會越高。這也就是銀行希望你拖延的原因,因為這樣一來他們能賺到更多的錢。</p><p>這裡有5個步驟,可以説明你擺脫債務:</p><p>(1)列出你所有的債務。</p><p>列出所有借錢給你的人,以及你欠每個人多少錢。列出你信用卡的欠款額和貸款數目, 記下最低還款額,以及相關利息。然後重新對這個表進行排序,把利息最高的列在第一個, 然後是利息第二高的,以此類推。計算出你所欠債務的總額,以及全部應還款的總額,此外還要列出每一項債務的最低還款額。</p><p>(2)確定優先等級。</p><p>找出需要優先考慮還錢的債務,如你的住房按揭、保險、房租等等。這些都需要首先來處理,然後再處理其他的債務。</p><p>(3)還上你能力範圍所及的金額。</p><p>用你的儲蓄償還或減少你欠下的債務。如果你的債務要收取16%的利息,你卻還指望著靠儲蓄去賺5%的利息,那可真的是得不償失。</p><p>(4)計算出每個月還款的數額。</p><p>你要計算一下,看自己每個月能還多少錢。你要想辦法降低自己的月花銷,讓自己的還款數額變大。你可以暫停儲蓄或是投資計畫,先把可支配的錢用來還債。</p><p>(5)制訂出還債的計畫。</p><p>將你每月能夠償還的錢在不同的債務之間進行分配。首先要償還那些利息高的債務。其 他的可以先還上最低還款額。一旦你把利息最高的債務還清了,就可以將還款重心轉向利息第二高的債務。以此類推直到所有債務都還清。</p><p>當然你還要設定一個具體的日期,看到哪一天你才能做到“無債一身輕”,然後計算 一下,從現在到設定的日期,要想達成目標,你每月需要還多少錢。牢牢記住那個“無債日”,為自己增加動力,努力去解決你的債務問題。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/4612959609657888988/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/08/5 Steps to Getting Rid of Debt.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4612959609657888988'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4612959609657888988'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/08/5 Steps to Getting Rid of Debt.html' title='擺脫債務的5個步驟'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXQT24vsr-miCbxAIppGQBKYJtH2nnf5YmAMn10WJIDYZx8qSdNzsw8sVBSkn-A9HVv_4J_hxGdvi7QkMcOy_2bLBVPXF4FSc81vB4GqKiXu1Eb93__MUOz1arZUWpj_XIbvAjHvobjNWC2LQb3tK80lVXU8yMSTg8Yr7JtfQu8sREHo3no3_THjOfXqie/s72-w640-h426-c/sell-5301466_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-1386276769653415961</id><published>2023-08-23T00:12:00.002-07:00</published><updated>2023-09-07T03:38:52.736-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="抵押貸款"/><title type='text'> 轉移負擔的經典策略</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEij6bR3pTC9p4Ruu7jWGqVbS22F8dR4V4zz6d4dvzc_Voy7RjbWB8cJ2zcbQzE8IyWMAdUSX0k4rjV3ppBZzM468uZvqBHKQujojt9ueUDYpGrvb2ODqGFwchMYU0jztnd3FwRyj5YZvgTW4VxMrSjrrCj-O6mwcmShU1FHmndigFF1PYLOnsKfnMsdTHgl/s1280/real-estate-6688945_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="853" data-original-width="1280" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEij6bR3pTC9p4Ruu7jWGqVbS22F8dR4V4zz6d4dvzc_Voy7RjbWB8cJ2zcbQzE8IyWMAdUSX0k4rjV3ppBZzM468uZvqBHKQujojt9ueUDYpGrvb2ODqGFwchMYU0jztnd3FwRyj5YZvgTW4VxMrSjrrCj-O6mwcmShU1FHmndigFF1PYLOnsKfnMsdTHgl/w640-h426/real-estate-6688945_1280.jpg" width="640" /></a></div><br /><p><span style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px;">讀電子書</span><a href="https://moo.im/a/9ahoxP" style="background-color: white; color: #e74c3c; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">30年後,遇見快樂富足的自己</a>的「轉移負擔的經典策略」這個小節時,就想到忠於信仰的一段話<span style="background-color: rgba(255, 255, 255, 0.01); color: #333333; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 16px;">「注意自己的財務狀況。購物時要約束自己,盡你所能避免負債。在大多數的情況下,你都可以明智地管理財物而避免負債。如果你真的負債,例如用合理的價格購買適當的房子或完成學業,就要工作,儘快償還,使你脫離束縛。當你償清債務並存了一些錢後,就能準備好應付可能遭遇的財務困境。你將能夠保護家人,心中享有平安」。所以避免負債是最高的理財原則,但是如果你已經負債了,像是有房屋貸款或是就學貸款之類的,這裡頭就有很多細節了,因為現在的房貸跟就學貸款利率很低,不像我那時的助學貸款利率那麼高,所以相對的拿這些錢來支付較高利率的債務,應該就是這裡說的經典策略了。至於整合債務我沒有經驗,但有聽人說過,或許之後在找些資料來分享看看。大原則可能大家都知道,但如果下面的內容對你有幫助的話,可以留言讓我們知道一下。</span></p><p><span style="color: #333333; font-family: Open Sans, sans-serif;"><span style="background-color: rgba(255, 255, 255, 0.01);">以下是轉載的內容:</span></span></p><p>償還債務可以減少你所支付的利息,整合債務也可以降低利息支出。經典策略是:使用抵押貸款償清其他成本更高的借款。我們或許沒有政府的信譽高,但如果使用抵押貸款,我們便能獲得相對較低的貸款利率。因為抵押貸款是以我們的房屋做擔保的,這樣,萬一我們沒有能力還款,貸款者還可以指望我們的房產。另外,抵押貸款利息還可能享受稅額抵扣,而其他大部分債務,像車貸和信用卡欠款就無此特權。聽起來債務整合就好像一張票證?確實,請謹記於心。</p> <p style="margin: 0px;">你可以通過對現有房屋貸款再融資,獲得更大一筆抵押貸款,來償清其他債務。你也可以先將當前的按揭貸款(房屋貸款)置於一旁,用另一筆抵押貸款,例如房屋淨值貸款,或信用貸款的最高限額,來償清其他債務。無論選擇哪種方式,你都要避免花費過度。我們常常面臨這樣的誘惑:借的往往比需要的多,然後拿著剩下的錢去進行投機,或者買新車。</p><p style="margin: 0px;">既然你決定對現有抵押貸款進行再融資,就不要太在意每月還款額的增加。如果你用12年就還清了30年期的抵押貸款,你就能夠進行再融資,獲得一更大的貸款,以償還其他債務,並且還可削減每月的按揭支付額。這看上去像是一個巧妙的花招,但你一旦繞進去,可不容易出來。</p><p style="margin: 0px;">如果你申請一項30年期的抵押贷款,你可以把它當成是一項18年期的抵押贷款,並延期至30 年。不用驚訝,這樣可以減少月供,但同時你也和抵押貸款公司簽訂了另一份12年期的合同,這會帶來眾多複雜且難預料的財務問題,包括被迫延期退休。我的建議是,如果你通過再融資進行債務整合,就別考慮30年期的抵押貸款,不妨看看15年或20年期的貸款。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/1386276769653415961/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/08/Classic strategy for shifting the burden.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/1386276769653415961'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/1386276769653415961'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/08/Classic strategy for shifting the burden.html' title=' 轉移負擔的經典策略'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEij6bR3pTC9p4Ruu7jWGqVbS22F8dR4V4zz6d4dvzc_Voy7RjbWB8cJ2zcbQzE8IyWMAdUSX0k4rjV3ppBZzM468uZvqBHKQujojt9ueUDYpGrvb2ODqGFwchMYU0jztnd3FwRyj5YZvgTW4VxMrSjrrCj-O6mwcmShU1FHmndigFF1PYLOnsKfnMsdTHgl/s72-w640-h426-c/real-estate-6688945_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-3529629832722897589</id><published>2023-08-21T02:23:00.001-07:00</published><updated>2023-09-07T03:38:58.489-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Pixabay"/><category scheme="http://www.blogger.com/atom/ns#" term="房屋貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="抵押貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><title type='text'>關於抵押貸款利息的稅額抵扣</title><content type='html'><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7QIQv8t-RnmzNtDLiw0SNweK8YQUzOVM5MxKqOzwkrF8BVM48Nt_tZfemI4ssDpjLBCeOE3LKuJE5xyF1IZ-eWXre0qBEFwvApNvtkuWx4IhmpHq8wCrwkM0PQ5pIIHL0o_AglFeJRB5iCBcxDSy1KWeMlomh2eF1cjlfp3WWPs_m0n0mBo_EbxE7BF8f/s1280/house-8155001_1280.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1280" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7QIQv8t-RnmzNtDLiw0SNweK8YQUzOVM5MxKqOzwkrF8BVM48Nt_tZfemI4ssDpjLBCeOE3LKuJE5xyF1IZ-eWXre0qBEFwvApNvtkuWx4IhmpHq8wCrwkM0PQ5pIIHL0o_AglFeJRB5iCBcxDSy1KWeMlomh2eF1cjlfp3WWPs_m0n0mBo_EbxE7BF8f/w640-h360/house-8155001_1280.jpg" width="640" /></a></div><br /><p><span style="background-color: white; color: #5e5e5e; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px;">在電子書</span><a href="https://moo.im/a/9ahoxP" style="background-color: white; color: #e74c3c; font-family: &quot;Open Sans&quot;, sans-serif; font-size: 15px; outline: 0px; text-decoration-line: none; transition: all 0.3s ease 0s;" target="_blank">30年後,遇見快樂富足的自己</a>裡有這樣一節「關於抵押貸款利息的稅額抵扣」,一開始覺得眼睛有點亮,也確實吸引到我的目光,但後來仔細檢查了一下,發現這有可能是中國大陸那邊的稅賦制度,在台灣應該是不適用的,在台灣只有自用住宅購屋借款利息支出,可以在申報個人綜合所得稅時列舉扣除,扣除額上限為30萬元,其餘貸款利息支出皆不適用。</p><p>好吧!如果是大陸的朋友還是可以看看下面的文章內容:</p><p>在所有可能的稅額抵扣中,抵押貸款利息的稅額抵扣似乎更能吸引大眾的目光。它的價值如此誘人,以至於有人認為應該—直持有某項抵押貸款。退休無債的觀念已經過時。近年來,持有抵押貸款的老人日益增多,可能是他們覺得抵押貸款利息能在稅費上省下不少吧。但事實是,這項本具有價值的稅額抵扣,反而會讓你在稅費問題上不堪重負。</p><p>退休後,你得四處籌錢償還抵押貸款。你或許會出售應稅帳戶上的盈利投資,或許會從退休帳戶中取錢。無論如何,這都會產生額外的應納稅收入,致使你的社保金中應納稅的部分高達85%。當你的收入達到一定水準時,這種稅就會自然產生。結果是:償還抵押貸款可能引發雙重納稅衝擊,首先是對你的投資收益,其次是對你的社保金。</p><p>可以確定的是,你的抵押貸款利息可以有稅額抵扣,它可以部分沖銷這種雙重納稅衝擊。但如果你持有抵押貸款已有一段時期,並償還了大部分貸款,可能你只有不足一半的月供是利息,這樣你就沒有多少利息可進行稅額抵扣了。你甚至發現並沒有多少值得列出的抵扣項目,此時,你可以選擇標準抵扣。這對每個人都適用’包括沒有抵押貸款的人。在那種情況下,利用抵押貸款節省稅費是行不通的,它反而會強迫你出售退休帳戶上的盈利投資,並由此產生新的稅費,同時還會使你的社保金產生應繳稅款。</p></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/3529629832722897589/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/08/mortgage-interest-deduction.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3529629832722897589'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/3529629832722897589'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/08/mortgage-interest-deduction.html' title='關於抵押貸款利息的稅額抵扣'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7QIQv8t-RnmzNtDLiw0SNweK8YQUzOVM5MxKqOzwkrF8BVM48Nt_tZfemI4ssDpjLBCeOE3LKuJE5xyF1IZ-eWXre0qBEFwvApNvtkuWx4IhmpHq8wCrwkM0PQ5pIIHL0o_AglFeJRB5iCBcxDSy1KWeMlomh2eF1cjlfp3WWPs_m0n0mBo_EbxE7BF8f/s72-w640-h360-c/house-8155001_1280.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-3563929642144363183.post-4089544016337188674</id><published>2023-08-16T08:59:00.005-07:00</published><updated>2023-08-16T17:22:39.406-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="原子習慣"/><category scheme="http://www.blogger.com/atom/ns#" term="自制力"/><category scheme="http://www.blogger.com/atom/ns#" term="貸款"/><category scheme="http://www.blogger.com/atom/ns#" term="領袖啟航"/><title type='text'>自制力也能帶給你巨額財富</title><content type='html'><p><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="allowfullscreen" frameborder="0" height="315" src="https://www.youtube.com/embed/3mnqkc91Sr0" title="YouTube video player" width="560"></iframe></p> <p>在學了<a href="https://byumstw.org/lls/online-course" target="_blank">領袖啟航</a>課程以及讀過<a href="https://www.books.com.tw/exep/assp.php/achi/products/0010822522?utm_source=achi&amp;utm_medium=ap-books&amp;utm_content=recommend&amp;utm_campaign=ap-202308" target="_blank">原子習慣</a>後,最近在看一本電子書<a href="https://moo.im/a/9ahoxP" target="_blank">30年後,遇見快樂富足的自己</a>,讀到自制力也能帶給你巨額財富這一節滿有感的,所以節錄了內容最後給大家看一下,先加上我個人的看法於下。</p> <p>在教會二十多年,慶幸神賜給我們誡命,並讓我們從中學習自制力,文章中像是抽煙、星巴客咖啡、貞潔律法這些誡命最是耳熟了,還有一些速食品、汽水、可樂以及花過多的時間在電視上,這些習慣不僅對健康無益,對於累積財富而言在這文章裡來看,就像是財富的殺手那樣,感謝文章作者提供了很多的數字來提醒我們自制力的重要。</p> <p>另外文中也提到當我們累積到一定的資產或是財富時,連銀行都巴不得借你錢,這跟我們沒錢想要貸款時看到銀行不給辦的那種臉色,這種不同的思考方式跟邏輯,也讓我有了一些學習,自制力、習慣、理財跟貸款的課題,我們還有好多要學習。</p> <p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ8QZ5qBXxYWbaUwG-vCoiHtEZSBGeooQ-5MDi8d8ohDIswBM1DVIK6QghJ-W_pTNZilmQ71tepVL-LKuDOPosYrPUiEEMaFGTIQnxpaHIvKdKIAba5g8D1aqaApYligE1rVvzs23OhMAlIlRCZQSxGKgZCKn-DdxtLhc9PieGKqlbfT8fIt5zuZf6B3so/s923/20230816083015.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="923" data-original-width="654" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ8QZ5qBXxYWbaUwG-vCoiHtEZSBGeooQ-5MDi8d8ohDIswBM1DVIK6QghJ-W_pTNZilmQ71tepVL-LKuDOPosYrPUiEEMaFGTIQnxpaHIvKdKIAba5g8D1aqaApYligE1rVvzs23OhMAlIlRCZQSxGKgZCKn-DdxtLhc9PieGKqlbfT8fIt5zuZf6B3so/w454-h640/20230816083015.jpg" style="display: inline;" width="454" /></a></p> <p>我告訴你:“如果你能戒掉抽煙的習慣,我可以給你300 萬美元”,你能做到嗎?</p> <p>其實,戒掉生活中的這些壞習慣或許可以為你節約數百萬美元。</p> <p>如果能改掉一些壞習慣,你一生當中就可以省下數百萬美元,所以說:「自制力能帶來財富。」</p> <p>不妨把這一點跟前面講過的「预算」部分結合起來,通過戒掉壞習慣為自己積累更多資金,然後將其用於投資,以幫助你更好地實現自己的人生目標。舉個例子:如果你每天喝3杯可樂,你1天就要花掉4美元,每週7天,也就是28美元。這聽起來似乎並不是大數字,但如果以年為單位來計算,你每年就要在可樂上花掉1456美元。如果你把這筆錢用於投資,按照10%的收益率計算,一年之後你的收益將達到1601美元1456x(1+10%)=1601。如果按20年計算的話,你在可樂上的投資收益一共是8.9萬美元(每年多加1456美元的本金。);如果按 30 年計算,你的收益將是25.7萬美元;按40年計算,你的收益將是69.2萬美元,按50年計算,你的收益將達到驚人的300萬美元。所以如果你在18歲的時候戒掉喝可樂,抽煙以及速食3項開銷的話,等到73歲的時候,你把所節約下來的錢用於投資後的收益將達到驚人的 900 萬美元。經常有人告訴我,說自己根本沒有錢用來投資,我總说:"戒掉抽煙的習慣,這樣你就有钱了。"</p> <p>在行動計畫中,你可以寫下所有每天會花費你4美元的習慣,那麼通過戒掉每項習慣,那麼10年後你就可以節約下2.5萬美元(不妨假設一下,如果你在1995年開始停止喝對你身體有害的蘇打水,你现在就可以省下足夠的錢來買輛新車,如果你改掉4項壞習慣,你現在就會有10萬美元用來投資了。)不僅如此,隨著時間的增加,所積累的財富也會快速地增加。</p> <div> <div>美國人一般都會有3個壞習慣。我所谓的“壞習慣”,指的是那些會讓你上癮,耗費你大量金錢的習慣。比如說星巴克、香煙、蘇打水、速食食品或者擁有7000個頻道的有線電視。每個正在讀這本書的人每天至少都會因為這些壞習慣而花掉12美元。</div> <div>如果你每天抽1包或2包香煙,喝3杯蘇打水,或者是一個星期吃4次速食,或者喝3次星巴克,這就說明你擁有3項壞習慣。10年之內,這些習慣將耗費你 900 萬美元。</div> </div> <div>設想一個男孩在一次一夜情當中讓女方懷孕,他該怎樣撫養這孩子呢?就這樣,由於缺乏自制力,他就不得不承擔起撫養孩子的重任。而正像我們在前面說過的那樣,僅僅是撫養孩子,你就需要花費數百萬美元——絲毫不亞于4項壞習慣所需要的花費。可如果你能有足夠的自制力,不去搞一夜情,20年的時間裡,你就等於節約了36 萬美元。如果你能將這筆錢用來投資,那麼,大概35年之後,你就可以得到1000萬美元——這無疑是一個驚人的數字。</div> <div>有趣的是,所有人都有自己的壞習慣,但我們並沒有意識到的是,正是這些習慣在阻礙我們前進,它們想讓我們脫線正確的軌道:我必須喝可樂,必須抽煙——我們感覺自己的確需要這些東西,可事實上,它們不僅在傷害我們的身體,還在偷取我們完全可以投資未來的資金。</div> <div>可悲的是,我們甚至沒有意識到這一點。我們會告訴自己:“僅僅只是 4美元。”可事實上,這些東西正在慢慢偷走我們投資未來的能力。</div> <div>正像前面說過的那樣,我之所以在本章後面附上行動計畫,目的在於說明你確立自己的人生目標——而人生目標正好可以說明你更好地培養自己的自制力。除非我把你喚醒,告訴你如果你能戒煙的話,我就會給你300萬美元,否則你很難有動力去戒煙。有多少人會為了得到300萬美元去改掉喝可口可樂的習慣呢?我想這正是我們所需要思考的。</div> <div> <div>不妨告訴自己:“只要我能改掉這個習慣,就會有人給我300萬美元。可能你會有4個壞習慣,這樣你就會有更多的錢來用來投資,這些資金又會自行增值。當你有了2.5萬美元存在銀行的時候,你就會吃驚地發現自己居然有了那麼多可以隨意支配的資金,比如說你可以從銀行貸款。當你在銀行的存款達到一定金額的時候,他們就會說:“好吧,如果你需要的話,我們可以貸給你更多錢,拿去用吧。 這樣的話,你就可以支配更多別人的,而不僅僅是自己的資金。</div> <div>一旦你的帳戶存款達到了2.5萬美元,銀行就會突然願意借給你更多的錢。一旦有了更多的錢,你就可以用來進行投資,去努力實現自己的夢想。</div> <div>現在就開始行動吧,列出自己的壞習慣,把它們記錄下來,張貼到一個讓你一早起床就能看到的地方。比如說你可以把它貼到冰箱門上,這樣每次要喝可樂的時候,你就會看到這張紙條,這時你就會告訴自己:“哦,我的天吶,這要花掉我1200萬美元啊!我才不會這麼浪费呢!”</div> </div> <div> <div>如果你能夠進一步提高自己的自制力,將你收入的10%用來投資,那會發生怎樣的結果呢?即便你一直沒有得到加薪,你每小時只能賺到 10美元,你需要拿出其中的10%,也就是每週 40美元,用來進行投資,這也就等於你改掉了1.5個壞習慣。而且這還只是簡單的投資,不包括房地產投資。只要能夠持下去,50年之後,你所節省下來的這筆資產就能達到 450萬美元。如果你同時再改掉3個壞習慣,你就會有1350萬美元的資金。這時你就會吃驚地發現,改掉這些小小的壞習慣居然可以為自己帶來如此巨大的收益。這是一個非常有趣的數字遊戲,一旦省下2.5萬美元,這筆錢就會立刻開始為你工作。把它存到銀行裡,你就可以用銀行貸款來進行投資,不到10年之後,你就可以用這筆錢賺到成百上千萬美元,也就是說,即便每小時只賺10美元,改掉壞習慣卻可以讓你賺到數百萬美元。</div> <div>好了,現在就開始,在行動計畫上寫下自己決心改正的壞習慣。</div> <div>本文同步分享於<a href="https://job.achi.idv.tw" target="_blank">工作達人</a>、<a href="https://www.daikuan.space/" target="_blank">DÀIKUǍN 貸款中</a></div> </div> <div></div></content><link rel='replies' type='application/atom+xml' href='https://www.daikuan.space/feeds/4089544016337188674/comments/default' title='張貼留言'/><link rel='replies' type='text/html' href='https://www.daikuan.space/2023/08/using-self-control-to-increase-wealth.html#comment-form' title='0 個意見'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4089544016337188674'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/3563929642144363183/posts/default/4089544016337188674'/><link rel='alternate' type='text/html' href='https://www.daikuan.space/2023/08/using-self-control-to-increase-wealth.html' title='自制力也能帶給你巨額財富'/><author><name>工作達人</name><uri>http://www.blogger.com/profile/15455567113541727468</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://img.youtube.com/vi/3mnqkc91Sr0/default.jpg" height="72" 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