Coco Ting – AlphaLoan 實貸比較?/title> <atom:link href="//hu662.shop/blog/author/coco/feed/" rel="self" type="application/rss+xml" /> <link>//hu662.shop/blog</link> <description>幫你申請適合你的最佳貸款方?/description> <lastBuildDate>Tue, 25 Feb 2025 05:11:58 +0000</lastBuildDate> <language>zh-TW</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>//wordpress.org/?v=6.7.2</generator> <image> <url>//hu662.shop/blog/wp-content/uploads/2025/02/cropped-ico-32x32.png</url> <title>Coco Ting – AlphaLoan 實貸比較?/title> <link>//hu662.shop/blog</link> <width>32</width> <height>32</height> </image> <item> <title>信貸利率最?.1%?2025?4間銀行信用貸款利率完整比?/title> <link>//hu662.shop/blog/265/credit-loan-rate/</link> <comments>//hu662.shop/blog/265/credit-loan-rate/#comments</comments> <dc:creator><![CDATA[Coco Ting]]></dc:creator> <pubDate>Tue, 25 Feb 2025 05:11:56 +0000</pubDate> <category><![CDATA[信貸小知識]]></category> <category><![CDATA[利率]]></category> <category><![CDATA[貸款必備基礎]]></category> <guid isPermaLink="false">//hu662.shop/blog/?p=265</guid> <description><![CDATA[信貸利率大概是多少呢？最近繳稅需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案、掌握談判技巧，一樣可以享信貸利率優惠喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀行信用貸款利率完整比較表，幫你快速找到信用貸款利率最優惠的信貸推薦方案。]]></description> <content:encoded><![CDATA[ <p>信貸利率標準是多少呢？過完年荷包空空需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案?a href="//hu662.shop/blog/942/creditloan-rate-nego/" target="_blank" rel="noreferrer noopener">掌握信貸利率談判技?/a>，一樣可以申請到低利率貸款喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀?a href="#pl-rate-table" data-type="internal" data-id="#pl-rate-table">信用貸款利率完整比較?/a>，幫你快速找到信用貸款利率最優惠?a href="//hu662.shop/blog/299/personal-loan-recommend/" data-type="post" data-id="299" target="_blank" rel="noreferrer noopener">信貸推薦方案</a>?/p> <figure class="wp-block-image size-full"><a href="//pse.is/5jkb5h" target="_blank" rel=" noreferrer noopener"><img fetchpriority="high" decoding="async" width="1300" height="200" src="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg" alt="" class="wp-image-6059" srcset="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg 1300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-300x46.jpg 300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-1024x158.jpg 1024w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-768x118.jpg 768w" sizes="(max-width: 1300px) 100vw, 1300px" /></a></figure> <h2 class="wp-block-heading" id="各銀行信用貸款利率方案完整比?>2025最新各銀行信用貸款利率方案完整比?/h2> <p id="pl-rate-table">銀行為了吸引有資金需求的人申請信用貸款，廣告的信貸利率總是顯得很誘人，看起來好像借錢是很簡單、很便宜的事情，但其實廣告利率不一定是你實際申請到的利率，除了個人條件會影響信用貸款利率以外，還需要將二段式利率?,000~9,000元的手續費、徵信費等等多項費用綜合考慮進去才行?/p> <p>將所有費用加總平均計算得出的?a href="//hu662.shop/blog/401/what-is-apr/" data-type="post" data-id="401">總費用年百分?/a>」才是實際上信用貸款的真實利率，以下列出各大銀行的信用貸款利率方案完整比較，包含總費用年百分率供大家參考！</p> <table> <tbody> <tr> <th colspan="4">信貸利率完整比較</th> </tr> <tr> <td style="width: 20%;">銀?/td> <td style="width: 20%;">信貸方案</td> <td style="width: 20%;">信貸利率</td> <td style="width: 40%;">總費用年百分?/td> </tr> <tr> <td><a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener">渣打銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.79%~15.41% <a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img decoding="async" class="alignnone wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td> <td>AlphaLoan限時信貸</td> <td>0.01%?/td> <td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td> <td>0.01%?/td> <td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td> <td>AlphaLoan限時信貸</td> <td>0.01%?/td> <td>2.11%~16.78% <a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td> <td>e指信貸AlphaLoan獨家方案</td> <td>0.01%?/td> <td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td> <td>online?/td> <td>0.01%?/td> <td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td> <td>Richart信貸</td> <td>2.1%?/td> <td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td> <td>一般信?/td> <td>2.25%?/td> <td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td> <td>鈔期?/td> <td>0.01%?/td> <td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td> <td>一般信?/td> <td>2.23%?/td> <td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td> <td>4%?/td> <td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td>國泰世華</td> <td>泰幸福信?/td> <td>1.88%?/td> <td>5.99%~16.08%</td> </tr> <tr> <td>樂天國際銀?/td> <td>樂天?分期?</td> <td>2.08%?/td> <td>2.17%~15.72%</td> </tr> <tr> <td>LINE Bank</td> <td>分期信貸</td> <td>3.18%?/td> <td>3.35%~16.43%</td> </tr> <tr> <td>遠東商銀</td> <td>Online信貸</td> <td>2.01%?/td> <td>2.32%~14.98%</td> </tr> <tr> <td>新光銀?/td> <td>個人信貸</td> <td>0.68%?/td> <td>3.21%~15.61%</td> </tr> <tr> <td>華南銀?/td> <td>優質?/td> <td>2.73%?/td> <td>3.451%~14.682%</td> </tr> <tr> <td>上海商銀</td> <td>個人信貸</td> <td>1.99%?/td> <td>3.45%~12.03%</td> </tr> <tr> <td>國泰世華</td> <td>大樹速貸</td> <td>3.33%?/td> <td>4.01%~17.09%</td> </tr> <tr> <td>土地銀?/td> <td>一般信用貸?/td> <td>4%?/td> <td>4.73%?.79%</td> </tr> <tr> <td>台灣企銀</td> <td>e網貸貸款</td> <td>2.62%?/td> <td>4.525%?/td> </tr> <tr> <td>陽信銀?/td> <td>一般個人信用貸款</td> <td>1.88%?/td> <td>5.55%~8.57%</td> </tr> <tr> <td>台北富邦銀?/td> <td>上班族信?/td> <td>4.01%?/td> <td>5.26%~16.37%</td> </tr> <tr> <td>合作金庫</td> <td>優職優利信用貸款</td> <td>2.105%?/td> <td>3.65%~8.99%</td> </tr> </tbody> </table> <p>看完完整比較表仍然無法決定該向哪家銀行申請信用貸款，那就?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>評估吧，?分鐘填寫資料，由AI依照大數據分析你最適合申請哪一家銀行的信貸方案，簡單取得各銀行的利率及額度試算報告！</p> <div class="wp-block-image"> <figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div> <h2 class="wp-block-heading" id="信用貸款的申請條件有哪些">信用貸款的申請條件有哪些?/h2> <p>信用貸款的申請條件基本上都大同小異，除了特殊信貸方案會有特殊條件要求，例?a href="//hu662.shop/blog/1182/doctor-loan/" target="_blank" data-type="post" data-id="1182" rel="noreferrer noopener">醫師信貸方案</a>會要求提供職業證明，大多數信貸方案只要有以下3個條件就可以申請了！</p> <ol class="wp-block-list"> <li>中華民國國民且年?8?/li> <li>工作穩定、財力狀況良好，工作?個月以上，且年收入達25萬以?/li> <li>信用好、聯徵紀錄佳?a href="//hu662.shop/blog/318/credit-score/" data-type="post" data-id="318">信用分數</a>?50以上</li> </ol> <h2 class="wp-block-heading" id="信用貸款的額?利率-期限">信用貸款的利率、額度、期限？</h2> <p>各銀行信用貸款方案的最高可申請額度會有些許差異，有些甚至最高可申請800萬貸款，大多數銀行最高可申請額度都落?00萬~600萬之間，但實際上最高可申請額度會依照個人的財力狀況而有所不同，最簡易計算方式是以自己?a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">月薪×22?/a>，就是你可以申請的信貸最高額度?/p> <p>至於信用貸款的利率則?.1%~16%之間，全?a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">平均信貸利率大約6.24%</a>，根據個人的職業和收入會有很大的差別。而信用貸款期限最長是84期，也就?年，最長可以將貸款分成7年期間慢慢攤還?/p> <h2 class="wp-block-heading">低信用貸款利率推薦方?/h2> <table class="blogtable"> <tbody> <tr> <th colspan="4">限時優惠低利信貸方案推薦</th> </tr> <tr> <td style="width: 13%;"></td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div> <p class="font_4" style="text-align: center;">渣打信貸限時優惠</p> </td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div> <p class="font_4" style="text-align: center;">滙豐信貸通路限定</p> </td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div> <p class="font_4" style="text-align: center;">台北富邦優惠信貸</p> </td> </tr> <tr> <td> <p class="font_3">優惠利率</p> </td> <td> <p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p> </td> <td> <p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p> </td> <td> <p class="font_4">首期0.01%，第2期起2.7%?/p> </td> </tr> <tr> <td> <p class="font_3">最高額?/p> </td> <td> <p class="font_4">600?/p> </td> <td> <p class="font_4">800?/p> </td> <td> <p class="font_4">500?/p> </td> </tr> <tr> <td> <p class="font_3">手續?/p> </td> <td> <p class="font_4">0?/p> <p class="font_4"><sub>(另有100元徵信費)</sub></p> </td> <td> <p class="font_4">通路限定 0 ?/p> </td> <td> <p class="font_4">通路限定 0 ?/p> </td> </tr> <tr> <td> <p class="font_3">APR</p> </td> <td> <p class="font_4">2.79%?/p> </td> <td> <p class="font_4">2.46%?/p> </td> <td> <p class="font_4">2.61%?/p> </td> </tr> <tr> <td> <p class="font_3">推薦原因</p> </td> <td> <p class="font_4">有投保勞保即可申辦，且過件率?/p> </td> <td> <p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p> </td> <td> <p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p> </td> </tr> <tr> <td></td> <td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td> <td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td> <td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td> </tr> </tbody> </table> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">渣打銀?個人信貸</h3> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt="" class="wp-image-2055" style="width:150px"/></figure> </div> </div> <ul class="wp-block-list"> <li>貸款利率：首?.01%，第2期起2.88%~15.99%</li> <li>貸款額度：最?00萬元</li> <li>手續費：開辦?0 ??4,000?/li> <li>總費用年百分率：2.79%~15.41%</li> <li>貸款期限：最??/li> <li>申請條件?<ul class="wp-block-list"> <li>年滿 20~64 歲本國國?/li> <li>月收?NT$ 24,000 (?以上，具正職之上班族</li> <li>如為企業負責人，需有營業登記且成立?年以?/li> </ul> </li> <li>推薦原因?<ul class="wp-block-list"> <li>串聯mydata手機驗證即可，不用自行準備財力證明?/li> <li>完成線上對保後，最?5 分鐘完成撥款?/li> <li>7?4小時全年無休，假日也可撥款?/li> <li>AlphaLoan會員限定好禮二選一，限時優惠~2/28?<ul class="wp-block-list"> <li>撥款<strong>?0萬元以上(未達新台?0萬元)</strong>並連續正常繳款達三個月(?以上且未提前清償者，享?strong>無期限momo?3000?/strong>」?/li> <li>金額?strong>50萬元(不含)以上</strong>並正常繳款達三個月(?以上且未提前清償者，<strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一</strong>?/li> </ul> </li> </ul> </li> </ul> <figure class="wp-block-image size-full is-resized"><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px;height:auto"/></a></figure> </div></div> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre> <hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">滙豐銀?個人信貸</h3> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" class="wp-image-2054" style="width:150px"/></figure> </div> </div> <ul class="wp-block-list"> <li>貸款利率：首?0.01%，第2期起 2.54%~15.99%</li> <li>貸款額度：最?00萬元</li> <li>手續費：Alphaloan通路限定享綁約方案開辦費0?/li> <li>總費用年百分率：2.46%~15.39%</li> <li>貸款期限：最??/li> <li>申請條件?<ul class="wp-block-list"> <li>年滿 18 ??55 歲信用正常之中華民國國民</li> <li>年收?30 萬元以上?/li> </ul> </li> <li>推薦原因?<ul class="wp-block-list"> <li>任一信用卡持?個月以上，信貸過件率高?/li> <li>持有滙豐信用?個月以上，信貸過件率高?/li> </ul> </li> </ul> <figure class="wp-block-image size-full is-resized"><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure> </div></div> <hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">永豐銀?數時?/h3> </div> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/08/sinopac-永豐銀?logo-300-158.png" alt="" class="wp-image-2713" style="width:150px"/></figure> </div> </div> <ul class="wp-block-list"> <li>貸款利率：首?0.01%，第2期起 2.51%~14.84%</li> <li>貸款額度：最?00萬元</li> <li>手續費：綁約60個月享手續費0元?/li> <li>總費用年百分率：2.43%~15.66%</li> <li>貸款期限：最??/li> <li>申請條件?<ul class="wp-block-list"> <li>年滿18-60歲中華民國自然人?/li> <li>信用正常，且有正當收入職業?/li> </ul> </li> <li>推薦原因?<ul class="wp-block-list"> <li>專人聯繫快速，最?小時內聯絡?/li> <li>貸款專員誠實，可參考專員提供的初步評估額度、利率後再決定是否申辦，不浪費聯徵次數?/li> <li>有薪轉證明、無信用不良的人，普遍核貸利率低?/li> </ul> </li> </ul> <figure class="wp-block-image size-full is-resized"><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure> </div></div> <hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex"> <div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow"> <h3 class="wp-block-heading">玉山銀?e指信貸AlphaLoan獨家方案</h3> </div> <div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow"> <figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="69" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt="" class="wp-image-473" style="width:150px"/></figure> </div> </div> <ul class="wp-block-list"> <li>貸款利率：首2期利?.01%，第3期起3.15%?/li> <li>貸款額度：最?00萬元</li> <li>手續費：2,000元起</li> <li>總費用年百分率：3.21%~15.12%</li> <li>貸款期限：最??/li> <li>申請條件：成年之中華民國國民且有穩定收入?/li> <li>推薦原因?<ul class="wp-block-list"> <li>AlphaLoan獨家方案，首2期年利率0.01%</li> <li>玉山往來戶推薦，過件機率高</li> </ul> </li> </ul> <figure class="wp-block-image size-full is-resized"><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure> </div></div> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre> <h2 class="wp-block-heading" id="信用貸款是什?>信用貸款專有名詞解析</h2> <ul class="wp-block-list"> <li><strong>信用貸款利率</strong>：銀行信貸利率多以年利率方式呈現，最高不得超?6%，全台平均信貸利率大約是6.42%，優質客群最低可申請到年利率2%左右?lt;<a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">信貸利率多少合理?/a>></li> <li><strong>信用貸款額度</strong>：銀行信貸額度最高約600~800萬元，實際個人可申請額度則會依?a href="//hu662.shop/blog/542/dbr22/" data-type="post" data-id="542" target="_blank" rel="noreferrer noopener">DBR 22?/a>規定，不得超過平均月收入?2倍?/li> <li><strong>信用貸款期限</strong>：信貸多屬短~中期貸款，最長貸款期限為5?60?~7?84??/li> <li><strong>開辦?/strong>：又稱「手續費」、「帳戶管理費」等，大多為6,000~9,000元，但部分銀行享優惠方案手續?元?/li> <li><strong>徵信?/strong>：查閱聯徵紀錄需繳交給聯徵中心的費用，大多銀行會自行吸收，部分銀行除了開辦費以外，額外酌?00~300元左右的徵信費?/li> <li><strong>總費用年百分?APR)</strong>：將信貸的第一階段、第二階段利率，以及手續費等等其他費用加總計算而成的實質年利率?lt;<a href="//hu662.shop/blog/401/what-is-apr/" target="_blank" data-type="post" data-id="401" rel="noreferrer noopener">APR總費用年百分率是什麼？</a>></li> <li><strong>限制清償?/strong>：俗稱信貸綁約期，限制清償期間內部可提前還款，需支付還款金額?%~4%違約金?lt;<a href="//hu662.shop/blog/600/advance-payments/" target="_blank" data-type="post" data-id="600" rel="noreferrer noopener">信貸可以提前還款嗎？</a>></li> </ul> <h2 class="wp-block-heading" id="信用貸款的申請流?>信用貸款的申請流程？</h2> <p id="標準的信用貸款申請流?包含以下6個步?>標準的信用貸款申請流程，包含以下6個步驟：</p> <ol class="wp-block-list"> <li>提出申請</li> <li>銀?電話)照會</li> <li>銀行審?/li> <li>核貸結果通知與申?/li> <li><a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保簽約</a></li> <li>撥款使用</li> </ol> <p>整個流程走完，到實際拿到資金運用，大約需?~5個工作天，若是在網路上線上申請，最快只?天就能拿到資金，對急用錢的人來說非常方便?/p> <pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234">信用貸款申請流程有哪些？多久才能拿到錢？[貸款流程圖]</a></pre> <h2 class="wp-block-heading" id="信用貸款利常見問題q-a">信貸利率常見問題Q&A</h2> <div id="rank-math-faq" class="rank-math-block"> <div class="rank-math-list "> <div id="faq-question-1644483127066" class="rank-math-list-item"> <h3 class="rank-math-question ">Q1. 信用貸款的利率是多少?/h3> <div class="rank-math-answer "> <p>信用貸款的利率範圍是2.1%~16%之間，最新全台平均信貸利率大?.42%</p> </div> </div> <div id="faq-question-1644483131350" class="rank-math-list-item"> <h3 class="rank-math-question ">Q2. 信用貸款利率跟總費用年百分率有什麼不一樣？</h3> <div class="rank-math-answer "> <p>?strong>信用貸款利率</strong>」是申請信用貸款時，審核通過的利率?br />?strong>總費用年百分?/strong>」則是將貸款利率+二段式利?手續費等等其他費用綜合計算得出?/p> </div> </div> <div id="faq-question-1644483135830" class="rank-math-list-item"> <h3 class="rank-math-question ">Q3. 哪家銀行信用貸款利率最低？</h3> <div class="rank-math-answer "> <p>目前信用貸款利率最低的銀行是<a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener">凱基信用貸款</a>首期0.01%，第2?.18%起?/p> </div> </div> </div> </div> <figure class="wp-block-table"> <table><tbody> <tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td> <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a> </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr> <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td> <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td> </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td> <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr> <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" 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has-alpha-channel-opacity"/> ]]></content:encoded> <wfw:commentRss>//hu662.shop/blog/265/credit-loan-rate/feed/</wfw:commentRss> <slash:comments>2</slash:comments> </item> <item> <title>2025勞工保險紓困貸款1/10截止別擔心！銀行勞保貸款也能辦?/title> <link>//hu662.shop/blog/855/labor-loan/</link> <comments>//hu662.shop/blog/855/labor-loan/#comments</comments> <dc:creator><![CDATA[Coco Ting]]></dc:creator> <pubDate>Fri, 21 Feb 2025 05:50:43 +0000</pubDate> <category><![CDATA[信貸方案整理]]></category> <category><![CDATA[信貸小技巧]]></category> <category><![CDATA[勞保證明]]></category> <category><![CDATA[勞保貸款]]></category> <category><![CDATA[勞工貸款]]></category> <category><![CDATA[無薪轉貸款]]></category> <category><![CDATA[紓困貸款]]></category> <guid isPermaLink="false">//hu662.shop/blog/?p=855</guid> <description><![CDATA[最近物價節節攀升，生活成本越來越高，偏偏政府的勞保/勞工紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？沒有薪資證明的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款貸款的申請條件和取得低利率貸款的秘訣喔！]]></description> <content:encoded><![CDATA[ <p>最近物價節節攀升，生活成本越來越高，偏偏政府的勞保紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？只有勞保、沒?a href="//hu662.shop/blog/278/salary-statement/" data-type="post" data-id="278" target="_blank" rel="noreferrer noopener">薪資證明</a>的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款的申請條件和取得低利率貸款的秘訣喔?/p> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4e3.png" alt="📣" class="wp-smiley" style="height: 1em; max-height: 1em;" />2025年政府的勞保紓困貸款辦理時間?strong>113?2?6日至114??0日止</strong>，來不及申請，但仍然有勞保貸款需求怎麼辦？別擔心，<a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan"><strong>銀行勞保貸?/strong></a>還是能辦喔！也可以參?lt;<a href="//hu662.shop/blog/265/credit-loan-rate/" data-type="post" data-id="265" target="_blank" rel="noreferrer noopener">23家銀行信貸利率完整比?/a>>找到低利率信貸！</pre> <pre class="wp-block-verse">銀行勞保貸款推薦：<br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a>-首期0.01%，第2期起2.88%起，財力證明認列廣，勞健保投保明細也可以?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a>-首期0.01%，第2?.88%起，有勞保即可申辦，最?1 天核貸?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/46h94v" data-type="link" data-id="//pse.is/46h94v" target="_blank" rel="noreferrer noopener">玉山xAlphaLoan獨家方案</a>-??.01%，審核速度快、適合緊急資金需求?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noreferrer noopener">富邦銀?/a>-首月0.01%，第2期起2.70%起，有富邦帳?信用卡過件機率高?br>(點銀行名稱即可快速申?</pre> <h2 class="wp-block-heading">勞保貸款?種：勞工保險紓困貸款 vs 銀行勞保貸?/h2> <figure class="wp-block-table"><table><tbody><tr><td>項目</td><td><strong>勞工保險紓困貸款</strong></td><td><strong>銀行勞保貸?/strong></td></tr><tr><td>貸款額度</td><td>最?0?/td><td>月收入的22?<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">詳細說明</a>)</td></tr><tr><td>貸款利率</td><td>2.165%</td><td>2.1%?/td></tr><tr><td>貸款期限</td><td>3?/td><td>最??/td></tr><tr><td>優點</td><td>1. 利率?br>2. 月付金低<br>3. 不需財力證明及信用證?/td><td>1. 利率?br>2. 額度?br>3. 申請流程簡單方便</td></tr><tr><td>缺點</td><td>1. 申請條件限制<br>2. 勞保年資?5年以?br>3. 申請時間限制<br>4. 額度限制</td><td>1. 需提出財力證明<br>2. 信用狀況良?br>3. 利率&額度依個人條件變化?/td></tr><tr><td></td><td><a href="#policy-labor" data-type="internal" data-id="#policy-labor">查看詳細資訊</a></td><td><a href="#labor-bank" data-type="internal" data-id="#labor-bank"><img loading="lazy" decoding="async" width="150" height="43" class="wp-image-1841" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt=""></a></td></tr></tbody></table></figure> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <h2 class="wp-block-heading" id="policy-labor">政府勞保貸款-勞工保險紓困貸款</h2> <p>政府的勞工保險被保險人紓困貸款，又稱「勞工紓困貸款」、「勞保紓困貸款」，只有在每年的年初開放申請?025年的勞工紓困貸款申請期間是：2024/12/26(?~2025/1/10(?止，總共只有11個工作天的時間可以申請，超過這段期間就不能辦理，若急需用錢的人，建議申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">銀行勞?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">?/a>幫你度過難關！另外最新年度的勞保紓困貸款利率調整?strong>2.165%</strong>?/p> <p>政府的勞保紓困貸款是<strong>由土地銀行承?/strong>，雖然利率很低，而且前半年還有寬限期，可以只繳息不還本，但申請條件也有限制，最少就要參加勞工保險年資滿15年，剛加入職場不久的職場新鮮人根本沒辦法申請，而且額度最高只?0萬，需求金額更大的話，就要改申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">銀行勞保貸?/a>?/p> <h3 class="wp-block-heading">114?2025勞工保險紓困貸款申請時間</h3> <p>申請期間?13?2?6日（星期四）?14??0日（星期五）歀?/p> <ul class="wp-block-list"> <li>線上申請?13?2?6日（星期四）早上8時至114??0日（星期五）24時止?/li> <li>臨櫃申請?13?2?6日（星期四）?14??0日（星期五）?依政府行政機關辦公日曆表之每上班日上?時至下午5時止)?/li> <li>郵遞申請?13?2?6日（星期四）?14??0日（星期五）?以郵戳為??/li> </ul> <p>若要臨櫃辦理勞保紓困貸款，扣掉國定例假日僅有11天時間，建議可以網路或是郵遞申請，時間上較充裕喔~</p> <h3 class="wp-block-heading">勞保紓困貸款資格&文件</h3> <p><strong>申請資格</strong></p> <ol class="wp-block-list"> <li>生活困難需要紓困?/li> <li>參加勞工保險年資?5年（計算至受理截止日114??0日止）?/li> <li>無欠繳勞工保險費及滯納金?/li> <li><strong>未曾</strong>借貸勞保紓困貸款，或曾借貸<strong>已繳?/strong>貸款本金及利息?/li> <li><strong>?/strong>請領老年給付、終身無工作能力之失能給付或向其所屬機關請領勞工保險補償金者?/li> </ol> <p id="doc"><strong>申請文件</strong></p> <ol class="wp-block-list"> <li>申請?<a href="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" target="_blank" data-type="link" data-id="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" rel="noreferrer noopener">下載</a>)</li> <li>掛號回郵信封（填妥收件人姓名、住址，並貼足郵票）?/li> <li>被保險人印章?/li> <li>未在土地銀行開立存款帳戶者，請攜帶被保險人身分證正本及正、背面影?份，以及健保卡（或駕照）正本及正、背面影?份。辦理存款開戶?/li> <li>已在土地銀行開立存款帳戶者，請攜帶存摺及被保險人身分證正本及正、背面影?份?/li> <li>委託親屬辦理者：請攜?1)委託書?2)醫療機構出具之相關證明文件?3)戶口名簿(或其他足資證明被保險人與受託人親屬關係之文件)，及(4)受託人印章、身分證正本及正、背面影?份。等到貸款核定通過後，再由本人檢齊相關文件（參?~5文件），親自到原申請分行辦理簽約對保及撥款手續?/li> </ol> <p>還沒有土地銀行帳戶的人，要記得先去申辦土銀帳戶喔！</p> <h3 class="wp-block-heading">勞保紓困貸款申請方式</h3> <p>勞保/勞工紓困貸款申請方式總共?種，分為臨櫃申請、線上申請和郵遞申請?/p> <ul class="wp-block-list"> <li><strong>臨櫃申請</strong>：被保險人應於受理申請期間填妥申請書，並<a href="#doc" data-type="internal" data-id="#doc">檢齊相關文件</a>，親自向土地銀行所屬分行或其委託之金融機構提出申請。且於簽立貸款契約書，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li> <li><strong>網路線上申請</strong>：被保險人應於受理申請期間點?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款申請專頁→申請，依序填妥申請資料，並完成網路簽約及<a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保手續</a>，網路申請受理後即以Email回傳受理成功訊息，完成網路申請手續，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li> <li><strong>郵遞申請</strong>：被保險人應於受理申請期間填妥申請書，並檢附身分證影本，以掛號郵寄至土地銀行所屬分行，經查詢核定通過或收到通知後，於核定日?0日內檢齊<a href="#doc" data-type="internal" data-id="#doc">相關文件</a>，親自到原申請之分行或金融機構辦理簽約、對保及撥款手續，逾期未辦理者視同放棄?<ul class="wp-block-list"> <li>如何查詢是否通過審核?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款→查詢網頁</li> <li>114年度土地銀行新設計?a href="//oi.landbank.com.tw/labor" target="_blank" data-type="link" data-id="//oi.landbank.com.tw/labor" rel="noreferrer noopener">勞工紓困貸款的專門網頁</a>，也可以嘗試使用?/li> </ul> </li> </ul> <h3 class="wp-block-heading">勞保紓困貸款額度、利?/h3> <ul class="wp-block-list"> <li>貸款期間??/li> <li>貸款額度：每人最?0萬元?/li> <li>貸款利率?.04%，之後由勞動部勞工保險局報勞動部於每?月及7月調?/li> </ul> <h3 class="wp-block-heading">勞保紓困貸款還款方式.每月要還多少?/h3> <p>勞保紓困貸款?個月按月付息不還本，自第7個月起按月平均攤還本息，由借款人之土地銀行存款帳戶按月扣繳貸款本息?/p> <p>以借款10萬元計算，按目前利率(2.165%)?個月每月需繳利?80元，自第7個月開始每月繳本?,427元?/p> </div></div> </div></div> <h2 class="wp-block-heading" id="bank-labor-loan">銀行勞保貸?/h2> <p>銀行勞保貸款的勞保貸款其實也是信用貸款的一種，因此<a href="//hu662.shop/blog/253/loan-requirement/" data-type="post" data-id="253" target="_blank" rel="noreferrer noopener">申請條件</a>?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234" target="_blank" rel="noreferrer noopener">流程</a>都和一般信用貸款一模一樣，差別在於，銀行勞保貸款是以勞保異動明細當作財力證明申請的信用貸款，就算是沒有薪轉證明的人也可以申請?/p> <p>台灣有很多中小企業因公司規模較小，因此常常是公司的行政會計以公司帳戶或是老闆個人帳戶「轉帳」的方式發薪水，審核較嚴格的銀行是無法完全當作薪轉證明，更不用說有些公司時直接發放現金，工作薪水會更難認列在財力證明內，因此選擇以勞保異動明細當作財力證明?/p> <p>補充說明小提醒，很多人會有疑問：「保工會可以貸款嗎？」，其實勞保要由公司投保才算是「有勞保」，如果是在工會投保勞保，銀行會不認列為財力證明喔！政府規定5人以下小公司，不強制投保勞健保，有些公司就會幫員工在工會投保，因此要注意自己的勞保是在公司投保，還是在工會投保?<a href="//hu662.shop/blog/667/non-salary-loan/" data-type="post" data-id="667" target="_blank" rel="noreferrer noopener">無薪轉、領現金可以申請貸款嗎？7步驟有效提高貸款成功率！</a></p> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre> <h3 class="wp-block-heading">銀行勞保貸款申請條?/h3> <ol class="wp-block-list"> <li>中華民國國民且年?8?/li> <li>工作穩定，年資至少半年以?/li> <li>財力狀況良?判斷依據?a href="//hu662.shop/blog/271/financial-statement/" data-type="post" data-id="271">財力證明要怎麼準備?/a>)</li> <li>信用狀況良?判斷依據?a href="//hu662.shop/blog/374/credit-level/" data-type="post" data-id="374">信用評分標準是多少？</a>)</li> </ol> <h3 class="wp-block-heading">銀行勞保貸款額度、利?/h3> <ul class="wp-block-list"> <li>貸款期間：最??/li> <li>貸款額度：最?00?/li> <li>貸款利率?.1%?/li> <li>申辦手續費：6,000~9,000元，最?元起</li> </ul> <pre class="wp-block-verse">你最多可以申請到多少信用貸款？用負債比快速計算貸款額度上限：<a href="//hu662.shop/blog/292/dbr/" data-type="post" data-id="292" target="_blank" rel="noreferrer noopener">負債比率是什麼？負債比如何計算？3大公式快速核?/a></pre> <h3 class="wp-block-heading" id="labor-bank">勞保貸款銀行推?/h3> <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>勞保貸款推薦銀?/strong></td><td><strong>貸款方案基本資料</strong></td><td><strong>推薦原因</strong></td></tr><tr><td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="75" class="wp-image-493" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/kgi-logo.png" alt=""></a><br>凱基銀行Alpha Loan專屬限時信貸<br><a href="//pse.is/4253kz" data-type="URL" data-id="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt=""></a></td><td>年利率：首月0.01%，第2個月?.18%?br>手續費：NT{mayi_title} ?br>貸款額度：最?000?/td><td>貸款期限最?0年，每月負擔較低，過件率相對最高?/td></tr><tr><td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="79" class="wp-image-2055" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt=""></a><br>渣打銀行優惠信?br><a href="//pse.is/43ksl9" data-type="link" data-id="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>過件率和利率都相對較優。用MyData 24H線上申請，最快對保後5分鐘撥款?/td></tr><tr><td><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="41" class="wp-image-850" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/08/hsbc-滙豐銀?logo.png" alt=""></a><br>滙豐銀行優惠信?br><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>有勞保即可申辦，24 小時線上申辦，最?1 天核貸?/td></tr><tr><td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="35" class="wp-image-473" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt=""></a><br>玉山銀行e指信貸xAlphaLoan獨家方案<br><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：??.01%，第3期起3.15%?br>手續費：NT$2,000?br>貸款額度：最?00?/td><td>審核速度快、標準較寬鬆，適合有緊急資金需求的人?/td></tr><tr><td><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="150" height="31" class="wp-image-619" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/富邦logo.png" alt=""></a><br>富邦銀行AlphaLoan限定專案<br><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首月0.01%，第2期起2.7%?br>手續費：NT$ 0 ?br>貸款額度：最?00?/td><td>有富邦信用卡或帳戶，過件機率高、利率相對低</td></tr></tbody></table></figure> <h3 class="wp-block-heading">取得低利率銀行勞保貸款的秘訣</h3> <h4 class="wp-block-heading">培養良好信用</h4> <p>貸款申請人的工作收入是領現金對銀行來說風險比較高，既然工作狀態沒辦法說改就改，那麼培養出良好長期信用紀錄，就是必須要做的功課，貸款申請人有良好的信用紀錄對銀行來說風險就會比較低，風險低就比較容易申請到滿意的貸款?/p> <p>培養信用最簡單的方式就是申請一張信用卡，並正確長期使用，每期卡費都全額繳清，不繳最低應繳金額、不使用預借現金等等，都能有效提升信用，申請貸款也會比較簡單喔?/p> <pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/577/increase-credit-score/" target="_blank" data-type="post" data-id="577" rel="noreferrer noopener">如何培養信用？培養信用的9大方法讓貸款更簡?/a></pre> <h4 class="wp-block-heading">選對銀行信貸方?/h4> <p>銀行信用貸款方案有很多種，而且也不是每家銀行都會借錢給沒有薪轉證明的人，因此選對銀行就非常重要，再加上聰明利用以上說明的方式展現自己的優勢，就更有機會申請到滿意的貸款方案，像是AlphaLoan實貸比較網的使用?a href="//blog.hu662.shop/24108-%e4%bf%a1%e8%b2%b8%e7%94%b3%e8%b2%b8%e6%a1%88%e4%be%8b60%ef%bc%9a%e7%8f%be%e9%87%91%e6%94%b6%e5%85%a5%e6%80%8e%e9%ba%bc%e8%be%a6%ef%bc%9f%e8%8a%b1%e6%97%97%e5%8d%a1%e5%8f%8b%e6%a0%b8%e8%b2%b8" target="_blank" rel="noreferrer noopener">工程師陳先生</a>，雖然工作是領現金收入，但充分運用自身現有的優勢條件，仍然成功核貸，申請到一筆貸款度過現有難關，利用<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>一次比較多家銀行，找到最適合的信貸方案?/p> <div class="wp-block-image"> <figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div> <table> <tbody> <tr> <th colspan="4">信貸利率比較?/th> </tr> <tr> <td style="width: 20%;">銀?/td> <td style="width: 20%;">信貸方案</td> <td style="width: 20%;">信貸利率</td> <td style="width: 40%;">總費用年百分?/td> </tr> <tr> <td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.46%-16.78% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td> <td>AlphaLoan限時信貸</td> <td>0.01%?/td> <td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td> <td>0.01%?/td> <td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td> <td>AlphaLoan 專屬限時信貸</td> <td>0.01%?/td> <td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td> <td>e指信貸AlphaLoan獨家方案</td> <td>0.01%?/td> <td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td> <td>online?/td> <td>0.01%?/td> <td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td> <td>Richart信貸</td> <td>2.1%?/td> <td>2.19%-15.1% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td> <td>一般信?/td> <td>2.25%?/td> <td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td> <td>鈔期?/td> <td>0.01%?/td> <td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td> <td>4%?/td> <td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> </tbody> </table> <h2 class="wp-block-heading">勞保貸款常見問題Q&A</h2> <div id="rank-math-faq" class="rank-math-block"> <div class="rank-math-list "> <div id="faq-question-1660014914726" class="rank-math-list-item"> <h3 class="rank-math-question ">Q1. 勞保紓困貸款額度是多少？勞保貸款30萬方?/h3> <div class="rank-math-answer "> <p>政府勞保紓困貸款額度最高是10萬元，再加上申請銀行勞保貸?0萬元，就能成功申請到勞保貸款30萬喔?/p> </div> </div> <div id="faq-question-1660014918386" class="rank-math-list-item"> <h3 class="rank-math-question ">Q2. 銀行勞保貸款好過嗎?/h3> <div class="rank-math-answer "> <p>銀行勞保貸款其實是以勞保異動明細作為財力證明的信用貸款，並非每家銀行都能申請，需慎選銀行，?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">信貸比較網站</a>就能快速找到銀行勞保貸款?/p> </div> </div> <div id="faq-question-1663129527849" class="rank-math-list-item"> <h3 class="rank-math-question ">Q3. 保工會可以貸款嗎?/h3> <div class="rank-math-answer "> <p>通常以「勞保異動明細」當作主要財力證明的話，必須是要由公司投保才會認列，如果是自己去工會保勞保，就很難當作財力證明，頂多當作補充資訊喔?/p> </div> </div> <div id="faq-question-1734691735902" class="rank-math-list-item"> <h3 class="rank-math-question ">Q4. 114年勞保紓困貸款可以向哪家銀行申請？</h3> <div class="rank-math-answer "> <p>勞保紓困貸款由土地銀行承辦，土地銀行客服專線（02?314-6633，有任何問題也可以向勞保局服務專線?2?396-1266洽詢?/p> </div> </div> </div> </div> <hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/> <p><strong>你可能也想看……</strong></p> <div class="root-eb-post-grid-zhy8g wp-block-essential-blocks-post-grid"> <div class="eb-parent-wrapper eb-parent-eb-post-grid-zhy8g "> <div class="eb-post-grid-zhy8g style-3 eb-post-grid-wrapper" 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</div></div><div class="ebpg-entry-meta ebpg-footer-meta"><div class="ebpg-entry-meta-items"></div></div></div></div></article><article class="ebpg-grid-post ebpg-post-grid-column" data-id="2576"><div class="ebpg-grid-post-holder"><div class="ebpg-entry-wrapper"><div class="ebpg-entry-media"> <div class="ebpg-entry-thumbnail"> <a class="ebpg-post-link-wrapper eb-sr-only" href="//hu662.shop/blog/2576/alphaloan-introduce/">Alphaloan最佳貸款預測告訴你可以貸多少！信貸試算利率超好用AI工具分享</a> <img loading="lazy" decoding="async" width="1640" height="920" src="//hu662.shop/blog/wp-content/uploads/2023/07/信貸評估AI工具-預測專屬於你的信貸方?png" class="attachment-full size-full" alt="" /> </div> </div><header class="ebpg-entry-header"> <p class="ebpg-entry-title"> <a class="ebpg-grid-post-link" href="//hu662.shop/blog/2576/alphaloan-introduce/" title="Alphaloan最佳貸款預測告訴你可以貸多少！信貸試算利率超好用AI工具分享">Alphaloan最佳貸款預測告訴你可以貸多少！信貸試算利率超好用AI工具分享</a> </p> </header><div class="ebpg-entry-meta ebpg-header-meta"><div class="ebpg-entry-meta-items"><span class="ebpg-posted-on"> 2024 ?6 ?14 ? </span></div></div><div class="ebpg-entry-content"><div class="ebpg-grid-post-excerpt"> <p>多數信貸評估工具可以簡單試算貸款的額度，但信貸評估不應該只有額度，更重要的是貸款的過件率和核貸後的利率，因此本篇要介紹一個超好用的AI信貸評估工具—AlphaLoan實貸比較網，不但可以預測貸款過件率、試算出貸款最高額度，還可以預測核貸後的利率喔！這麼好用的工具使用起來也超簡單，趕快看下去吧?#8230;</p> </div><div class="ebpg-readmore-btn"> <a href="//hu662.shop/blog/2576/alphaloan-introduce/"> 閱讀全文 </a> </div></div><div class="ebpg-entry-meta ebpg-footer-meta"><div class="ebpg-entry-meta-items"></div></div></div></div></article><article class="ebpg-grid-post ebpg-post-grid-column" data-id="542"><div class="ebpg-grid-post-holder"><div class="ebpg-entry-wrapper"><div class="ebpg-entry-media"> <div class="ebpg-entry-thumbnail"> <a class="ebpg-post-link-wrapper eb-sr-only" href="//hu662.shop/blog/542/dbr22/">DBR22倍是什麼？信貸額度的關鍵數字全解析</a> <img loading="lazy" decoding="async" width="1640" height="924" src="//hu662.shop/blog/wp-content/uploads/2022/04/DBR22倍是什麼？信貸額度的關鍵數字全解析.jpg" class="attachment-full size-full" alt="" /> </div> </div><header class="ebpg-entry-header"> <p class="ebpg-entry-title"> <a class="ebpg-grid-post-link" href="//hu662.shop/blog/542/dbr22/" title="DBR22倍是什麼？信貸額度的關鍵數字全解析">DBR22倍是什麼？信貸額度的關鍵數字全解析</a> </p> </header><div class="ebpg-entry-meta ebpg-header-meta"><div class="ebpg-entry-meta-items"><span class="ebpg-posted-on"> 2024 ?5 ?7 ? </span></div></div><div class="ebpg-entry-content"><div class="ebpg-grid-post-excerpt"> <p>DBR(Debt Burden Ratio，也就是負債?22倍是金管會的規定，DBR22倍改怎麼計算？銀行真的可以貸到月收入?2倍嗎？本篇會用最簡單易懂的白話文解析銀行專有名詞，並且說明哪些負債會算進DBR22倍裡，幫你評估自己可以申請多少信貸額度喔?#8230;</p> </div><div class="ebpg-readmore-btn"> <a href="//hu662.shop/blog/542/dbr22/"> 閱讀全文 </a> </div></div><div class="ebpg-entry-meta ebpg-footer-meta"><div class="ebpg-entry-meta-items"></div></div></div></div></article></div> </div> </div> </div> ]]></content:encoded> <wfw:commentRss>//hu662.shop/blog/855/labor-loan/feed/</wfw:commentRss> <slash:comments>64</slash:comments> </item> <item> <title>2025車貸利率多少合理?種車子貸款利率比較給你看，最低利車貸是這種?/title> <link>//hu662.shop/blog/735/car-loan-rate/</link> <comments>//hu662.shop/blog/735/car-loan-rate/#respond</comments> <dc:creator><![CDATA[Coco Ting]]></dc:creator> <pubDate>Fri, 21 Feb 2025 02:47:21 +0000</pubDate> <category><![CDATA[信貸小知識]]></category> <category><![CDATA[信貸買車]]></category> <category><![CDATA[汽車貸款]]></category> <category><![CDATA[現金買車]]></category> <category><![CDATA[車子貸款]]></category> <category><![CDATA[車貸利率]]></category> <guid isPermaLink="false">//hu662.shop/blog/?p=735</guid> <description><![CDATA[汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此汽車貸款跟房屋貸款不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是中古車，額度就更低了，那麼車貸利率多少合理？用車貸買車比較好還是用信貸買車比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！]]></description> <content:encoded><![CDATA[ <p>汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此<a href="//hu662.shop/blog/1056/car-loan/" data-type="post" data-id="1056" target="_blank" rel="noreferrer noopener">汽車貸款</a>?a href="//hu662.shop/blog/1693/mortgage-requirement/" data-type="post" data-id="1693" target="_blank" rel="noreferrer noopener">房屋貸款</a>不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是<a href="//hu662.shop/blog/777/used-car-loan/" target="_blank" data-type="post" data-id="777" rel="noreferrer noopener">中古車貸?/a>，額度就更低了，那麼車貸利率多少合理?strong>用車貸買?/strong>比較好還?strong>用信貸買?/strong>比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！</p> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre> <h2 class="wp-block-heading">車貸利率多少合理?種車貸利率一次看</h2> <figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td></td><td><strong>車貸利率</strong></td><td><strong>車貸額度</strong></td><td><strong>車貸期限</strong></td></tr><tr><td><strong>新車貸款</strong></td><td>2.93%~6.5%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>中古車貸?/strong></td><td>3.2%~12%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>原車貸款融資</strong></td><td>5.75%~13%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>民間汽車貸款</strong></td><td>8%~16%</td><td>最?50?/td><td>最?5~6?/td></tr><tr><td><strong>電動車貸?/strong>*</td><td>2.52%~16%</td><td>最?00萬~500?/td><td>最?5~7?/td></tr></tbody></table></figure> <p>*電動車貸款為新型態車貸，不須設定汽車抵押，僅憑電動車買買合約即可申請?/p> <table class="blogtable"> <tbody> <tr> <th colspan="4">限時優惠低利信貸方案推薦</th> </tr> <tr> <td style="width: 13%;"></td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div> <p class="font_4" style="text-align: center;">渣打信貸限時優惠</p> </td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div> <p class="font_4" style="text-align: center;">滙豐信貸通路限定</p> </td> <td style="width: 29%; text-align: center;"> <div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div> <p class="font_4" style="text-align: center;">台北富邦優惠信貸</p> </td> </tr> <tr> <td> <p class="font_3">優惠利率</p> </td> <td> <p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p> </td> <td> <p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p> </td> <td> <p class="font_4">首期0.01%，第2期起2.7%?/p> </td> </tr> <tr> <td> <p class="font_3">最高額?/p> </td> <td> <p class="font_4">600?/p> </td> <td> <p class="font_4">800?/p> </td> <td> <p class="font_4">500?/p> </td> </tr> <tr> <td> <p class="font_3">手續?/p> </td> <td> <p class="font_4">0?/p> <p class="font_4"><sub>(另有100元徵信費)</sub></p> </td> <td> <p class="font_4">通路限定 0 ?/p> </td> <td> <p class="font_4">通路限定 0 ?/p> </td> </tr> <tr> <td> <p class="font_3">APR</p> </td> <td> <p class="font_4">2.79%?/p> </td> <td> <p class="font_4">2.46%?/p> </td> <td> <p class="font_4">2.61%?/p> </td> </tr> <tr> <td> <p class="font_3">推薦原因</p> </td> <td> <p class="font_4">有投保勞保即可申辦，且過件率?/p> </td> <td> <p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p> </td> <td> <p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p> </td> </tr> <tr> <td></td> <td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td> <td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td> <td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td> </tr> </tbody> </table> <pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre> <h2 class="wp-block-heading">3種汽車貸款利率比?/h2> <h3 class="wp-block-heading">銀行購?新車/中古?貸款</h3> <ul class="wp-block-list"> <li>貸款利率最低，<strong>?.93%?/strong></li> <li>購車時申辦的汽車貸款</li> <li>新車有機會以0利率方案購車</li> <li>需評估信用狀況，若有信用瑕疵會較難申請?/li> </ul> <h3 class="wp-block-heading">銀行原車貸款融?/h3> <ul class="wp-block-list"> <li>貸款利率中等?strong>?.75%?/strong></li> <li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li> <li>需評估信用狀況，若有信用瑕疵會較難申請?/li> <li>也會評估申請人財力狀況，<a href="//hu662.shop/blog/292/dbr/" target="_blank" data-type="post" data-id="292" rel="noreferrer noopener">負債?/a>會不會太高等?/li> </ul> <h3 class="wp-block-heading">資融公司汽車貸款</h3> <ul class="wp-block-list"> <li>貸款利率最高，<strong>?%?/strong></li> <li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li> <li>信用條件較差也能申貸，審核快速、核貸機率高?/li> <li>須注意還款計畫以及貸款利率是否太高，總還款利息超出預期?/li> </ul> <pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/1056/car-loan/" target="_blank" data-type="post" data-id="1056" rel="noreferrer noopener">汽車貸款懶人包|車貸該怎麼選？汽車貸款條件.利率.額度.注意事項5分鐘搞懂</a></pre> <h2 class="wp-block-heading">車貸vs信貸 哪種貸款利率比較低？</h2> <figure class="wp-block-table"><table><tbody><tr><td></td><td><strong>信用貸款</strong></td><td><strong>汽車貸款</strong></td></tr><tr><td>利率</td><td>2.1%?/td><td>2.93%~13%</td></tr><tr><td>額度</td><td>個人月收入的22?註：<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">DBR 22?/a>)</td><td>依購入車款年分、車價評?/td></tr><tr><td>手續?/td><td>3,000~6,000?/td><td>?,000?/td></tr><tr><td>期限</td><td>最??/td><td>最??/td></tr><tr><td>申辦流程</td><td>平均3~5?/td><td>平均7~10?/td></tr><tr><td>購車優惠</td><td>約等同現金購車，議價空間較大</td><td>議價空間較小</td></tr><tr><td>賣車便利?/td><td>無貸款汽車，賣車較便?/td><td>車貸車較難自行銷?/td></tr><tr><td>擔保?/td><td>不需抵押擔保?/td><td>以汽車作為擔保品</td></tr></tbody></table></figure> <p>車貸信貸好像各有優勢，那麼應該要選擇哪種貸款方式呢？以下提供3個決定性問題，幫你判斷你應該選擇哪種貸款：</p> <ol class="wp-block-list"> <li>需要貸款的額度是多少？需要額度＜平均月收入?0→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li> <li>現金買車優惠有多少？優惠價差少於車貸總利息→申請汽車貸款</li> <li>未來5年內是否會換?賣車?年內大多還未還清車貸，若要賣車的話會較難自行銷售→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li> </ol> <div class="wp-block-image"> <figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div> <h3 class="wp-block-heading">低利率信貸統整表</h3> <div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"> <table> <tbody> <tr> <th colspan="4">信貸利率完整比較</th> </tr> <tr> <td style="width: 20%;">銀?/td> <td style="width: 20%;">信貸方案</td> <td style="width: 20%;">信貸利率</td> <td style="width: 40%;">總費用年百分?/td> </tr> <tr> <td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td> <td>個人信貸</td> <td>0.01%?/td> <td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td> <td>AlphaLoan限時信貸</td> <td>0.01%?/td> <td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td> <td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td> <td>0.01%?/td> <td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td> <td>AlphaLoan限時信貸</td> <td>0.01%?/td> <td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td> <td>e指信貸AlphaLoan獨家方案</td> <td>0.01%?/td> <td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td> <td>online?/td> <td>0.01%?/td> <td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td> <td>Richart信貸</td> <td>2.1%?/td> <td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td> <td>一般信?/td> <td>2.25%?/td> <td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td> <td>鈔期?/td> <td>0.01%?/td> <td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td> </tr> <tr> <td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td> <td>一般信?/td> <td>2.23%?/td> <td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td> <td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td> <td>4%?/td> <td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td> </tr> <tr> <td>國泰世華</td> <td>泰幸福信?/td> <td>1.88%?/td> <td>5.99%~16.08%</td> </tr> <tr> <td>樂天國際銀?/td> <td>樂天?分期?</td> <td>2.08%?/td> <td>2.17%~15.72%</td> </tr> <tr> <td>LINE Bank</td> <td>分期信貸</td> <td>3.18%?/td> <td>3.35%~16.43%</td> </tr> <tr> <td>遠東商銀</td> <td>Online信貸</td> <td>2.01%?/td> <td>2.32%~14.98%</td> </tr> <tr> <td>新光銀?/td> <td>個人信貸</td> <td>0.68%?/td> <td>3.21%~15.61%</td> </tr> <tr> <td>華南銀?/td> <td>優質?/td> <td>2.73%?/td> <td>3.451%~14.682%</td> </tr> <tr> <td>上海商銀</td> <td>個人信貸</td> <td>1.99%?/td> <td>3.45%~12.03%</td> </tr> <tr> <td>國泰世華</td> <td>大樹速貸</td> <td>3.33%?/td> <td>4.01%~17.09%</td> </tr> <tr> <td>土地銀?/td> <td>一般信用貸?/td> <td>4%?/td> <td>4.73%?.79%</td> </tr> <tr> <td>台灣企銀</td> <td>e網貸貸款</td> <td>2.62%?/td> <td>4.525%?/td> </tr> <tr> <td>陽信銀?/td> <td>一般個人信用貸款</td> <td>1.88%?/td> <td>5.55%~8.57%</td> </tr> <tr> <td>台北富邦銀?/td> <td>上班族信?/td> <td>4.01%?/td> <td>5.26%~16.37%</td> </tr> <tr> <td>合作金庫</td> <td>優職優利信用貸款</td> <td>2.105%?/td> <td>3.65%~8.99%</td> </tr> </tbody> </table> </div></div> <h2 class="wp-block-heading">影響汽車貸款利率3大因?/h2> <h3 class="wp-block-heading">財力證明</h3> <p>財力證明主要看的是，未來有沒有能力如期還款，若工作未?個月，申請車貸很容易不通過，年資越久、收入越高，申請車貸的利率也就越低，收入越穩定的職業，當然車貸利率也會越低，像是一般內勤員工就會比領獎金業務人員較容易申請到低利貸款?/p> <p>如果你的工作收入沒那麼亮眼，也可以提供其他的財力證明增加籌碼，像是股票基金對帳單、定存單、房地產所有權狀等等，如果你是年終獎金或業績獎金佔薪水比例大，年收入÷12的平均月收入遠大於一般月薪的話，也可以提供扣繳憑單當作財力證明，也會比較有優勀?/p> <pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/271/financial-statement/" target="_blank" data-type="post" data-id="271" rel="noreferrer noopener">財力證明要怎麼準備?大財力證明一次搞?/a></pre> <h3 class="wp-block-heading">信用證明</h3> <p>影響汽車貸款利率的重要因素之一就是個人的信用狀況，也就是聯徵紀錄好不好，很多人以為沒有信用卡、沒有欠銀行任何錢，就代表信用很好，其實不是這樣的，沒有信用卡就代表沒有任何信用紀錄，既然沒有紀錄，怎麼會知道信用好不好呢！所以申辦一張信用卡，並且正確、良好的使用，才能培養出好信用！不知道要辦哪張信用卡比較好嗎?a href="//www.fincake.co/cards" data-type="link" data-id="//www.fincake.co/cards" target="_blank" rel="noreferrer noopener">fincake平台</a>幫你依照你的消費情況，分析最適合的信用卡給你?/p> <p>正確的信用卡使用習慣包含，每個月都準時全額繳清信用卡帳單，沒有遲繳也不只繳最低應繳金額，不使用信用卡循環利息等等，另外也要定期查看自己的個人信用報告，看一下自己的聯徵紀錄如何：<a href="//hu662.shop/blog/334/jcic-report/" data-type="post" data-id="334" target="_blank" rel="noreferrer noopener">聯徵是什麼？聯徵紀錄詳細解?申請方式3分鐘搞懂</a>?/p> <h3 class="wp-block-heading">貸款方式</h3> <p>貸款方式也會大大影響到你申請車貸的利率是多少，如果是購車時申辦的汽車貸款，那麼利率最低只?.93%起，但如果是購車時的車貸還沒還完，想再次申請的原車貸款融資，最低就來到5.75%起，如果是一般上班族，信用狀況正常的話，還不如申請信用貸款，利率只要2.1%起，汽車貸款利率最高的就是資融公司的汽車貸款，最高利率要16%?/p> <h2 class="wp-block-heading">車貸利率3大注意事?/h2> <h3 class="wp-block-heading">確認貸款合約內容</h3> <p>對保的時候，一定要確認貸款合約的內容，像是貸款金額有多少？貸款利率是多少？貸款期限有多久？還款方式是什麼？轉帳還款或是去超商繳費也可以嗎？有沒有特殊條件？……等等，貸款合約內的細節要確認清楚，有任何問題也要當場提出，簽名用印之後想再反悔或修改都已經來不及了?/p> <pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/245/cancel-loan/" data-type="post" data-id="245" target="_blank" rel="noreferrer noopener">銀行貸款對保後反悔要付違約金？貸款審核通過以後可以取消嗎？</a></pre> <h3 class="wp-block-heading">確認貸款利率</h3> <p>貸款利率要確認是年利率還是月利率？如果是向銀行申請汽車貸款，告訴你的利率都會是年利率，但如果是民間借貸的話則很有可能會不說明清楚，讓你誤以為利率很低，民法規定年利率最高不得超?6%，超過上限的話可以拒絕支付超出的利息?/p> <p>另外也要確認之後的月付金是可以負擔的範圍，若是明知道之後的月付金太高，有可能會付不出來，卻還是因為眼前的緊急情況仍然簽下貸款合約，不但沒辦法解決問題，還會造成更大的財務破洞?a href="//hu662.shop/blog/826/debt-negotiation/" target="_blank" data-type="post" data-id="826" rel="noreferrer noopener">債務協商=破產？債務協商和債務整合哪裡不一樣？後果.流程一次看</a></p> <h3 class="wp-block-heading">有無「限制清償期?/h3> <p>限制清償期是指在約定期間內不可以提前多還款，是銀行為了確保可以賺到預期利息而設計的約定期限，多數汽車貸款都會有限制清償期約18~24期，如果只是想要短期周轉，下個月就可以還掉貸款的話，可能就不太適合申請汽車貸款。或是選擇付較高的貸款手續費申請無限制清償期方案?/p> <p>延伸閱讀?a href="//hu662.shop/blog/1030/contract-period/" target="_blank" rel="noreferrer noopener">貸款綁約意思是什麼？貸款綁約好嗎？綁約要綁多久？</a></p> <h2 class="wp-block-heading">車貸利率常見問題Q&A</h2> <div id="rank-math-faq" class="rank-math-block"> <div class="rank-math-list "> <div id="faq-question-1656059491463" class="rank-math-list-item"> <h3 class="rank-math-question ">Q1. 車貸利率多少合理?/h3> <div class="rank-math-answer "> <p>購車貸款一般新車利率在5%以下，中古車貸款則大約是5%~9%?/p> </div> </div> <div id="faq-question-1656059501981" class="rank-math-list-item"> <h3 class="rank-math-question ">Q2. 汽車貸款利率最低多少？</h3> <div class="rank-math-answer "> <p>汽車貸款利率依照你申請的方案不同，有很大的差異，若是全新車貸，車廠為促銷有機會以0利率申貸，一般銀行車貸最低利率大約是2.93%?/p> </div> </div> <div id="faq-question-1656060073445" class="rank-math-list-item"> <h3 class="rank-math-question ">Q3. 車貸利率計算方式?/h3> <div class="rank-math-answer "> <p>通常銀行車貸利率的算法是機動利率，也就是基本固定利?個人風險溢價利率組成，詳細說明可參?a href="//hu662.shop/blog/596/floating-interest-rate/" data-type="post" data-id="596" target="_blank" rel="noreferrer noopener">這篇機動利率解析</a>?/p> </div> </div> <div id="faq-question-1656060329961" class="rank-math-list-item"> <h3 class="rank-math-question ">Q4. 買車選車貸好還是信貸好？</h3> <div class="rank-math-answer "> <p>若個人信用狀況良好，且財力證明無虞，選擇申請信用貸款有機會申請到<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">最?.1%信貸</a>，且不需擔保品，靈活度更高?/p> </div> </div> </div> </div> <figure class="wp-block-table"> <table><tbody> <tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td> <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a> </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr> <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td> <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td> </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td> <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td> <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr> <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸額度多少?/a></td> <td class="hover-green"><a href="//hu662.shop/blog/508/correspondent-bank/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />迷思破?往來銀?/a></td> <td class="hover-green"><a href="//hu662.shop/blog/848/on-lend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />轉增貸推薦銀?/a></td></tr> <tr><td class="hover-green"><a href="//hu662.shop/blog/253/loan-requirement/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />必知7大信貸條?/a></td> <td class="hover-green"><a href="//hu662.shop/blog/463/creditloan-trap/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />避開7大信貸陷?/a></td> <td class="hover-green"><a href="//hu662.shop/blog/479/debt-consolidation-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />債務整合推薦銀?/a></td></tr> <tr> <th colspan="3"><a href="//pse.is/5nl6wm" target="_blank" rel="noreferrer noopener">30秒取得個人信貸預測報告</a></th> </tr> </table></tbody> ]]></content:encoded> <wfw:commentRss>//hu662.shop/blog/735/car-loan-rate/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>LINE Bank 信貸好過嗎？2大方?3注意事項.心得分析一次看 //hu662.shop/blog/1546/line-loan-review/ //hu662.shop/blog/1546/line-loan-review/#comments Fri, 21 Feb 2025 02:43:35 +0000 //hu662.shop/blog/?p=1546 想要申請信用貸款該向哪家銀行申請比較好呢？LINE Bank信貸有哪些方案呢？本篇分享LINE Bank信貸好過嗎？誰適合申請LINE Bank信貸？並且統整了要申請LINE Bank信貸有哪些注意事項及條件，想知道LINE Bank信貸好過嗎？那麼就快點看下去吧！如果你想了解精準的個人化信貸預測，歡迎?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">網站內進行分析?/p> 
🔥富邦信貸新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a>

LINE Bank信用貸款方案整理

  分期信貸 臨用?循環信貸
貸款利率 2.28%起機動計?/td> 3.48%起機動計?/td>
手續?/td> 活動?,288元起 活動?,288?/td>
貸款額度 10萬~500萬元 5萬~500萬元
貸款期限 最?0?/td> 每年續約
貸款對象 1. 18歲~60歲之中華民國國民
2. 年收入≧25?/td> 		1. 18歲~60歲之中華民國國民
2. 年收入≧25?/td>
  立即申請 立即申請

3家純網銀信貸比較

台灣3家純網銀分別是：樂天國際銀行、LINE Bank和將來銀行，在這邊也列出?家銀行的分期型信貸的利率、最高額度和手續費用分別是多少，方便快速進行比較，其中LINE bank的利率是2.28%起，樂天銀行是2.68%起，將來銀行則?.1%起；樂天銀行和LINE Bank則另?a href="//hu662.shop/blog/1960/rakuten-revolving-intro/" data-type="post" data-id="1960">循環型信?/a>，但將來銀行則只有無限制清償期的分期型貸款?/p>

而樂天銀行的審核速度快，最?天內就可以審核完成並撥款；LINE Bank從提出申請到時收到審核結果大約需?個工作天，如果超?天仍未收到回覆建議直接聯繫LINE Bank客服詢問；將來銀行則建議如果你是將來銀行的股東關係企業的正職員工，去申請較容易得到優惠利率?/p>
  樂天?分期? LINE Bank分期信貸 將來優貸
貸款利率 2.68% ?/td> 2.28% ?/td> 2.1% ?/td>
手續?/td> 666?/td> 1,288元起 0 ?/td>
貸款額度 最?00?/td> 最?00萬元 最?00萬元
貸款期限 最??/td> 最?0?/td> 最??/td>
    立即申請 立即申請

限時優惠低利信貸方案推薦

渣打信貸限時優惠

滙豐信貸通路限定

台北富邦優惠信貸

優惠利率

首期0.1%，第2期起2.88%?/p>

首期0.01%，第2期起2.54%?/p>

首期0.01%，第2期起2.7%?/p>

最高額?/p>

600?/p>

800?/p>

500?/p>

手續?/p>

0?/p>

(另有100元徵信費)

通路限定 0 ?/p>

通路限定 0 ?/p>

APR

2.79%?/p>

2.46%?/p>

2.61%?/p>

推薦原因

有投保勞保即可申辦，且過件率?/p>

信用卡持?個月以上即可申辦，有穩定薪轉利率?/p>

有勞健保即可申請，富邦往來戶利率相對?/p>

立即申請 立即申請 立即申請 
🎉渣打信貸限時優惠🎉 
貸款年利率首期利?0.01%，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">600?/strong>；即日起~2025/2/28止透過 AlphaLoan 專屬連結申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong>享通路限定好禮?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法?/pre>




LINE Bank信貸好過嗎？





其實LINE Bank信貸只要年滿18歲、有工作收入，就能申請，而且財力證明認列非常廣泛，除了一般銀行喜歡的薪轉證明和扣繳憑單以外，長期往來帳戶明細、近一年所得清單，或是勞保異動明細、健保的投保紀錄也都可以當?a href="//hu662.shop/blog/271/financial-statement/" target="_blank" data-type="post" data-id="271" rel="noreferrer noopener">財力證明喔！如果你已經使用信用卡持續一年以上，那麼申請信用貸款的過件率就會更高?/p>




限時優惠低利率信貸推薦銀行：
? class=渣打銀?/a>-利率最?.01%起，APR 2.79%起?br>? class=滙豐銀?/a>-利率最?.01%起，APR 2.46%起?br>? class=Richart信貸-一段式利率2.05%起，APR 2.05%起?br>? class=永豐銀?/a>-利率最?.01%起，APR 2.43%起?br>(點銀行名稱即可快速申?





誰適合申請LINE Bank信用貸款?/h2>




    

  1. 有穩定財力證明的?/li>




  2. 有短期資金周轉需?/li>




  3. 想透過轉貸降低利率
    4. 




  4. 平常生活忙碌，空閒時間很少的?/li>






LINE Bank是純網路銀行，沒有實體分行，所有的業務都在網路上進行，當然申辦信貸也不例外，好處是對於生活比較忙碌的人來說，只要在有空閒的時候，用手機進行申請，最快不?分鐘就完成了，當然他審核也很快速，最快從送出申請到實際拿到款項也只要2天?/p>




申請純網銀的信用貸款，好處是可?4H線上申請，不需要跑銀行，也不用在已經很忙碌的狀態下還要接銀行信貸專員的電話，而且撥款非常快速，最?天就能拿到錢！但其實現在很多一般的銀行也都可?4H線上申請了喔?/p>










線上信貸免出門方案推薦




 





玉山-e指信?/p>








凱基銀?個人信貸






台新richart logo
台新Richart信貸










優惠利率




??.01%，第3?.15%?/p>




首月優利0.01%，第2個月?.18%?/p>




2.1%?/p>








最高額?/p>




300?/p>




800?/p>




500?/p>








手續?/p>




2,000元起




0元起




0元起








APR




3.21%?/p>




2.11%?/p>




2.1%?/p>








推薦原因




AlphaLoan獨家專案?期年利率0.01%




線上申辦5分鐘完成，且貸款期限最?0年，大大減輕每月負擔




年輕人首選友善網路銀?/p>






 
立即申請
立即申請
立即申請











LINE Bank信用貸款申請3大注意事?/h2>




必須符合申請條件





LINE Bank信用貸款的申請條件有?/p>




    

  1. 中華民國國民且年?8歲~60?/li>




  2. 年收入達25萬元以上
    3. 




  3. 已辦理LINE Bank開戶完成
    4. 






記得要符合以上的申請條件，並且已經有LINE Bank帳戶，才能申請LINE Bank信用貸款，如果你的收入穩定、信用狀況也很好，那麼貸款通過的機率就相對提高很多，也有機會申請到利率、額度都很滿意的貸款?/p>




注意方案細節





LINE Bank的分期型信貸目前最低利?.28%，開辦費分為2種，綁約方案1,288元，不綁約方?,288元，且也接受有轉貸、債務整合需求的人申請。LINE Bank剛推出貸款產品的時候，主打綁約期限只有1個月，讓資金運用更靈活，但現在已經移除這項優惠，因此要特別注意你的貸款合約內綁約期限是多久，否則若想在綁約期限內提前還款，就需要支付違約金了?/p>




當然貸款利率、開辦費、綁約期?#8230;…等等貸款方案的細節，都是回隨著時間、優惠活動等等改變的，想要申請LINE Bank貸款的話，記得要注意看清楚貸款方案的細節，才不會實際申請到貸款之後才發現，怎麼跟想像中不一樣，那就來不及了?/p>




延伸閱讀?a href="//hu662.shop/blog/600/advance-payments/" data-type="post" data-id="600">信貸可以提前還款嗎？提前清償違約金好貴！實際試算給你?/a>





財力證明充足





畢竟LINE Bank信貸的初步審核是由AI處理，因此申請資料的完整度會有很大的影響，務必要附上充份的財力證明，像是薪資轉帳紀錄、扣繳憑單、經常往來存摺、年度所得清單、房屋或土地所有權狀、定期存款單，甚至是股票、基金等有價證券對帳單都可以當作財力證明?/p>




各種財力證明的效力以及申請方式可參考：財力證明要怎麼準備?大財力證明一次搞?/a>





另外如果是信用狀況沒那麼好的人，也建議多參考各家銀行的方案，否則很容易就因為AI審核發現有些微信用瑕疵，像是沒有信用卡的信用小白、或是有遲繳?~3次信用卡的狀況，容易被直接刷掉、審核不通過喔！





延伸閱讀?br>無信用卡的小白：小白貸款過件率最高銀行推薦| 信用小白可以貸多少？3招脫白技巧錯過可?/a>
有些微信用瑕疵：信用瑕疵可以貸款嗎？3招信用瑕疵貸款成功秘?加碼恢復信用方式





LINE Bank信用貸款好嗎？LINE Bank信貸心得





純網銀沒有實體分行，省去了大筆開銷，因此普遍來說，在純網銀申請信用貸款得到的利率，相對於傳統銀行來說都會低一些，LINE Bank信貸利率最?.28%，樂天銀行信貸利率最?.68%起，將來銀行信貸利率最低也?.1%起，所以如果你是條件比較好的人，那麼申請的貸款利率和額度都會比較傳統銀行優惠?/p>









LINE Bank信用貸款審核時間要多久？





線上申請信貸的審核速度快，大約2~3就會收到審核結果通知，若?天後還沒有收到任何消息，建議主動向銀行客服詢問狀況，可以?LINE Bank ?LINE 官方帳號，或是致?2-6615-6899 ?0809-007-666詢問?/p>







信貸利率比較?/th>




銀?/td>
信貸方案
信貸利率
總費用年百分?/td>




渣打銀?/a>
個人信貸
0.01%?/td>
2.79%~15.41% 




滙豐銀?/a>
個人信貸
0.01%?/td>
2.46%-16.78% 




台北富邦
AlphaLoan限時信貸
0.01%?/td>
2.61%~14.41%




永豐銀?/a>
數時?/a>
0.01%?/td>
2.43%~15.66% 




凱基銀?/a>
AlphaLoan 專屬限時信貸
0.01%?/td>
2.11%~16.78% 




玉山銀?/a>
e指信貸AlphaLoan獨家方案
0.01%?/td>
3.21%~15.12% 




中國信託
online?/td>
0.01%?/td>
3.33%~14.87% 




台新銀?/a>
Richart信貸
2.1%?/td>
2.19%-15.1% 




王道銀?/a>
一般信?/td>
2.25%?/td>
3.06%~16.93% 




聯邦銀?/a>
鈔期?/td>
0.01%?/td>
2.42%~14.45%




Bankee
挑戰型信?挑戰成功50%回饋
4%?/td>
5.23%~15.34%








LINE Bank信用貸款常見問題Q&A










Q1. LINE Bank信貸好過嗎？





LINE Bank信貸審核相對沒那麼嚴格，只要你有穩定的工作收入、良好信用狀況，那麼申請信貸通過的機率還算蠻高的喔！









Q2. LINE Bank信貸審核時間多久?/h3>




LINE Bank信貸審核最?天就完成，從審核到撥款最?天?/p>








Q3. LINE Bank 的客服電話是多少?/h3>




02-6615-6899 ?0809-007-666，或?a href="//line.me/R/ti/p/@linebanktw" target="_blank" rel="noreferrer noopener">?LINE Bank ?LINE 官方帳號?/p>
















💡信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />
  
💵信貸是什麼？
    💵信用評分多少才夠?/a>
    💵信貸推薦完整攻略

  
  
💰信貸流程知多少？
    💰聯徵報告申請教學
    💰小白信貸推薦銀?/a>
  
  
💵低利信貸申請攻略
  💵聯徵報告怎麼看？
  💵信貸好過銀行推?/a>

  
  
💰信貸額度多少?/a>
    💰迷思破?往來銀?/a>
    💰轉增貸推薦銀?/a>

  
  
💵必知7大信貸條?/a>
    💵避開7大信貸陷?/a>
    💵債務整合推薦銀?/a>

  

30秒取得個人信貸預測報告









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		<title>信貸利率最?.1%?2025?4間銀行信用貸款利率完整比?/title>
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		<category><![CDATA[貸款必備基礎]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=265</guid>

					<description><![CDATA[信貸利率大概是多少呢？最近繳稅需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案、掌握談判技巧，一樣可以享信貸利率優惠喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀行信用貸款利率完整比較表，幫你快速找到信用貸款利率最優惠的信貸推薦方案。]]></description>
										<content:encoded><![CDATA[
<p>信貸利率標準是多少呢？過完年荷包空空需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案?a href="//hu662.shop/blog/942/creditloan-rate-nego/" target="_blank" rel="noreferrer noopener">掌握信貸利率談判技?/a>，一樣可以申請到低利率貸款喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀?a href="#pl-rate-table" data-type="internal" data-id="#pl-rate-table">信用貸款利率完整比較?/a>，幫你快速找到信用貸款利率最優惠?a href="//hu662.shop/blog/299/personal-loan-recommend/" data-type="post" data-id="299" target="_blank" rel="noreferrer noopener">信貸推薦方案</a>?/p>



<figure class="wp-block-image size-full"><a href="//pse.is/5jkb5h" target="_blank" rel=" noreferrer noopener"><img fetchpriority="high" decoding="async" width="1300" height="200" src="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg" alt="" class="wp-image-6059" srcset="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg 1300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-300x46.jpg 300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-1024x158.jpg 1024w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-768x118.jpg 768w" sizes="(max-width: 1300px) 100vw, 1300px" /></a></figure>



<h2 class="wp-block-heading" id="各銀行信用貸款利率方案完整比?>2025最新各銀行信用貸款利率方案完整比?/h2>



<p id="pl-rate-table">銀行為了吸引有資金需求的人申請信用貸款，廣告的信貸利率總是顯得很誘人，看起來好像借錢是很簡單、很便宜的事情，但其實廣告利率不一定是你實際申請到的利率，除了個人條件會影響信用貸款利率以外，還需要將二段式利率?,000~9,000元的手續費、徵信費等等多項費用綜合考慮進去才行?/p>



<p>將所有費用加總平均計算得出的?a href="//hu662.shop/blog/401/what-is-apr/" data-type="post" data-id="401">總費用年百分?/a>」才是實際上信用貸款的真實利率，以下列出各大銀行的信用貸款利率方案完整比較，包含總費用年百分率供大家參考！</p>


<table>
<tbody>
<tr>
<th colspan="4">信貸利率完整比較</th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img decoding="async" class="alignnone wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td>
<td>一般信?/td>
<td>2.23%?/td>
<td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td>國泰世華</td>
<td>泰幸福信?/td>
<td>1.88%?/td>
<td>5.99%~16.08%</td>
</tr>
<tr>
<td>樂天國際銀?/td>
<td>樂天?分期?</td>
<td>2.08%?/td>
<td>2.17%~15.72%</td>
</tr>
<tr>
<td>LINE Bank</td>
<td>分期信貸</td>
<td>3.18%?/td>
<td>3.35%~16.43%</td>
</tr>
<tr>
<td>遠東商銀</td>
<td>Online信貸</td>
<td>2.01%?/td>
<td>2.32%~14.98%</td>
</tr>
<tr>
<td>新光銀?/td>
<td>個人信貸</td>
<td>0.68%?/td>
<td>3.21%~15.61%</td>
</tr>
<tr>
<td>華南銀?/td>
<td>優質?/td>
<td>2.73%?/td>
<td>3.451%~14.682%</td>
</tr>
<tr>
<td>上海商銀</td>
<td>個人信貸</td>
<td>1.99%?/td>
<td>3.45%~12.03%</td>
</tr>
<tr>
<td>國泰世華</td>
<td>大樹速貸</td>
<td>3.33%?/td>
<td>4.01%~17.09%</td>
</tr>
<tr>
<td>土地銀?/td>
<td>一般信用貸?/td>
<td>4%?/td>
<td>4.73%?.79%</td>
</tr>
<tr>
<td>台灣企銀</td>
<td>e網貸貸款</td>
<td>2.62%?/td>
<td>4.525%?/td>
</tr>
<tr>
<td>陽信銀?/td>
<td>一般個人信用貸款</td>
<td>1.88%?/td>
<td>5.55%~8.57%</td>
</tr>
<tr>
<td>台北富邦銀?/td>
<td>上班族信?/td>
<td>4.01%?/td>
<td>5.26%~16.37%</td>
</tr>
<tr>
<td>合作金庫</td>
<td>優職優利信用貸款</td>
<td>2.105%?/td>
<td>3.65%~8.99%</td>
</tr>
</tbody>
</table>


<p>看完完整比較表仍然無法決定該向哪家銀行申請信用貸款，那就?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>評估吧，?分鐘填寫資料，由AI依照大數據分析你最適合申請哪一家銀行的信貸方案，簡單取得各銀行的利率及額度試算報告！</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>


<h2 class="wp-block-heading" id="信用貸款的申請條件有哪些">信用貸款的申請條件有哪些?/h2>



<p>信用貸款的申請條件基本上都大同小異，除了特殊信貸方案會有特殊條件要求，例?a href="//hu662.shop/blog/1182/doctor-loan/" target="_blank" data-type="post" data-id="1182" rel="noreferrer noopener">醫師信貸方案</a>會要求提供職業證明，大多數信貸方案只要有以下3個條件就可以申請了！</p>



<ol class="wp-block-list">
<li>中華民國國民且年?8?/li>



<li>工作穩定、財力狀況良好，工作?個月以上，且年收入達25萬以?/li>



<li>信用好、聯徵紀錄佳?a href="//hu662.shop/blog/318/credit-score/" data-type="post" data-id="318">信用分數</a>?50以上</li>
</ol>



<h2 class="wp-block-heading" id="信用貸款的額?利率-期限">信用貸款的利率、額度、期限？</h2>



<p>各銀行信用貸款方案的最高可申請額度會有些許差異，有些甚至最高可申請800萬貸款，大多數銀行最高可申請額度都落?00萬~600萬之間，但實際上最高可申請額度會依照個人的財力狀況而有所不同，最簡易計算方式是以自己?a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">月薪×22?/a>，就是你可以申請的信貸最高額度?/p>



<p>至於信用貸款的利率則?.1%~16%之間，全?a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">平均信貸利率大約6.24%</a>，根據個人的職業和收入會有很大的差別。而信用貸款期限最長是84期，也就?年，最長可以將貸款分成7年期間慢慢攤還?/p>



<h2 class="wp-block-heading">低信用貸款利率推薦方?/h2>


<table class="blogtable">
<tbody>
<tr>
<th colspan="4">限時優惠低利信貸方案推薦</th>
</tr>
<tr>
<td style="width: 13%;"></td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div>
<p class="font_4" style="text-align: center;">渣打信貸限時優惠</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">滙豐信貸通路限定</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">台北富邦優惠信貸</p>
</td>
</tr>
<tr>
<td>
<p class="font_3">優惠利率</p>
</td>
<td>
<p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p>
</td>
<td>
<p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p>
</td>
<td>
<p class="font_4">首期0.01%，第2期起2.7%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">最高額?/p>
</td>
<td>
<p class="font_4">600?/p>
</td>
<td>
<p class="font_4">800?/p>
</td>
<td>
<p class="font_4">500?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">手續?/p>
</td>
<td>
<p class="font_4">0?/p>
<p class="font_4"><sub>(另有100元徵信費)</sub></p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">APR</p>
</td>
<td>
<p class="font_4">2.79%?/p>
</td>
<td>
<p class="font_4">2.46%?/p>
</td>
<td>
<p class="font_4">2.61%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">推薦原因</p>
</td>
<td>
<p class="font_4">有投保勞保即可申辦，且過件率?/p>
</td>
<td>
<p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p>
</td>
<td>
<p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p>
</td>
</tr>
<tr>
<td></td>
<td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td>
<td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td>
<td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td>
</tr>
</tbody>
</table>


<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">渣打銀?個人信貸</h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt="" class="wp-image-2055" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?.01%，第2期起2.88%~15.99%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：開辦?0 ??4,000?/li>



<li>總費用年百分率：2.79%~15.41%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿 20~64 歲本國國?/li>



<li>月收?NT$ 24,000 (?以上，具正職之上班族</li>



<li>如為企業負責人，需有營業登記且成立?年以?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>串聯mydata手機驗證即可，不用自行準備財力證明?/li>



<li>完成線上對保後，最?5 分鐘完成撥款?/li>



<li>7?4小時全年無休，假日也可撥款?/li>



<li>AlphaLoan會員限定好禮二選一，限時優惠~2/28?<ul class="wp-block-list">
<li>撥款<strong>?0萬元以上(未達新台?0萬元)</strong>並連續正常繳款達三個月(?以上且未提前清償者，享?strong>無期限momo?3000?/strong>」?/li>



<li>金額?strong>50萬元(不含)以上</strong>並正常繳款達三個月(?以上且未提前清償者，<strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一</strong>?/li>
</ul>
</li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px;height:auto"/></a></figure>
</div></div>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">滙豐銀?個人信貸</h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" class="wp-image-2054" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?0.01%，第2期起 2.54%~15.99%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：Alphaloan通路限定享綁約方案開辦費0?/li>



<li>總費用年百分率：2.46%~15.39%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿 18 ??55 歲信用正常之中華民國國民</li>



<li>年收?30 萬元以上?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>任一信用卡持?個月以上，信貸過件率高?/li>



<li>持有滙豐信用?個月以上，信貸過件率高?/li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



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<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">永豐銀?數時?/h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/08/sinopac-永豐銀?logo-300-158.png" alt="" class="wp-image-2713" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?0.01%，第2期起 2.51%~14.84%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：綁約60個月享手續費0元?/li>



<li>總費用年百分率：2.43%~15.66%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿18-60歲中華民國自然人?/li>



<li>信用正常，且有正當收入職業?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>專人聯繫快速，最?小時內聯絡?/li>



<li>貸款專員誠實，可參考專員提供的初步評估額度、利率後再決定是否申辦，不浪費聯徵次數?/li>



<li>有薪轉證明、無信用不良的人，普遍核貸利率低?/li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



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<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">玉山銀?e指信貸AlphaLoan獨家方案</h3>
</div>



<div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="69" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt="" class="wp-image-473" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首2期利?.01%，第3期起3.15%?/li>



<li>貸款額度：最?00萬元</li>



<li>手續費：2,000元起</li>



<li>總費用年百分率：3.21%~15.12%</li>



<li>貸款期限：最??/li>



<li>申請條件：成年之中華民國國民且有穩定收入?/li>



<li>推薦原因?<ul class="wp-block-list">
<li>AlphaLoan獨家方案，首2期年利率0.01%</li>



<li>玉山往來戶推薦，過件機率高</li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h2 class="wp-block-heading" id="信用貸款是什?>信用貸款專有名詞解析</h2>



<ul class="wp-block-list">
<li><strong>信用貸款利率</strong>：銀行信貸利率多以年利率方式呈現，最高不得超?6%，全台平均信貸利率大約是6.42%，優質客群最低可申請到年利率2%左右?lt;<a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">信貸利率多少合理?/a>></li>



<li><strong>信用貸款額度</strong>：銀行信貸額度最高約600~800萬元，實際個人可申請額度則會依?a href="//hu662.shop/blog/542/dbr22/" data-type="post" data-id="542" target="_blank" rel="noreferrer noopener">DBR 22?/a>規定，不得超過平均月收入?2倍?/li>



<li><strong>信用貸款期限</strong>：信貸多屬短~中期貸款，最長貸款期限為5?60?~7?84??/li>



<li><strong>開辦?/strong>：又稱「手續費」、「帳戶管理費」等，大多為6,000~9,000元，但部分銀行享優惠方案手續?元?/li>



<li><strong>徵信?/strong>：查閱聯徵紀錄需繳交給聯徵中心的費用，大多銀行會自行吸收，部分銀行除了開辦費以外，額外酌?00~300元左右的徵信費?/li>



<li><strong>總費用年百分?APR)</strong>：將信貸的第一階段、第二階段利率，以及手續費等等其他費用加總計算而成的實質年利率?lt;<a href="//hu662.shop/blog/401/what-is-apr/" target="_blank" data-type="post" data-id="401" rel="noreferrer noopener">APR總費用年百分率是什麼？</a>></li>



<li><strong>限制清償?/strong>：俗稱信貸綁約期，限制清償期間內部可提前還款，需支付還款金額?%~4%違約金?lt;<a href="//hu662.shop/blog/600/advance-payments/" target="_blank" data-type="post" data-id="600" rel="noreferrer noopener">信貸可以提前還款嗎？</a>></li>
</ul>



<h2 class="wp-block-heading" id="信用貸款的申請流?>信用貸款的申請流程？</h2>



<p id="標準的信用貸款申請流?包含以下6個步?>標準的信用貸款申請流程，包含以下6個步驟：</p>



<ol class="wp-block-list">
<li>提出申請</li>



<li>銀?電話)照會</li>



<li>銀行審?/li>



<li>核貸結果通知與申?/li>



<li><a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保簽約</a></li>



<li>撥款使用</li>
</ol>



<p>整個流程走完，到實際拿到資金運用，大約需?~5個工作天，若是在網路上線上申請，最快只?天就能拿到資金，對急用錢的人來說非常方便?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234">信用貸款申請流程有哪些？多久才能拿到錢？[貸款流程圖]</a></pre>



<h2 class="wp-block-heading" id="信用貸款利常見問題q-a">信貸利率常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1644483127066" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 信用貸款的利率是多少?/h3>
<div class="rank-math-answer ">

<p>信用貸款的利率範圍是2.1%~16%之間，最新全台平均信貸利率大?.42%</p>

</div>
</div>
<div id="faq-question-1644483131350" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 信用貸款利率跟總費用年百分率有什麼不一樣？</h3>
<div class="rank-math-answer ">

<p>?strong>信用貸款利率</strong>」是申請信用貸款時，審核通過的利率?br />?strong>總費用年百分?/strong>」則是將貸款利率+二段式利?手續費等等其他費用綜合計算得出?/p>

</div>
</div>
<div id="faq-question-1644483135830" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 哪家銀行信用貸款利率最低？</h3>
<div class="rank-math-answer ">

<p>目前信用貸款利率最低的銀行是<a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener">凱基信用貸款</a>首期0.01%，第2?.18%起?/p>

</div>
</div>
</div>
</div>


<figure class="wp-block-table">
<table><tbody>
<tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td>
  <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a>
    </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td>
  
  </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸額度多少?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/508/correspondent-bank/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />迷思破?往來銀?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/848/on-lend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />轉增貸推薦銀?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/253/loan-requirement/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />必知7大信貸條?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/463/creditloan-trap/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />避開7大信貸陷?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/479/debt-consolidation-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />債務整合推薦銀?/a></td></tr>
  <tr>
<th colspan="3"><a href="//pse.is/5nl6wm" target="_blank" rel="noreferrer noopener">30秒取得個人信貸預測報告</a></th>
</tr>
</table></tbody>



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		<title>2025勞工保險紓困貸款1/10截止別擔心！銀行勞保貸款也能辦?/title>
		<link>//hu662.shop/blog/855/labor-loan/</link>
					<comments>//hu662.shop/blog/855/labor-loan/#comments</comments>
		
		<dc:creator><![CDATA[Coco Ting]]></dc:creator>
		<pubDate>Fri, 21 Feb 2025 05:50:43 +0000</pubDate>
				<category><![CDATA[信貸方案整理]]></category>
		<category><![CDATA[信貸小技巧]]></category>
		<category><![CDATA[勞保證明]]></category>
		<category><![CDATA[勞保貸款]]></category>
		<category><![CDATA[勞工貸款]]></category>
		<category><![CDATA[無薪轉貸款]]></category>
		<category><![CDATA[紓困貸款]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=855</guid>

					<description><![CDATA[最近物價節節攀升，生活成本越來越高，偏偏政府的勞保/勞工紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？沒有薪資證明的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款貸款的申請條件和取得低利率貸款的秘訣喔！]]></description>
										<content:encoded><![CDATA[
<p>最近物價節節攀升，生活成本越來越高，偏偏政府的勞保紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？只有勞保、沒?a href="//hu662.shop/blog/278/salary-statement/" data-type="post" data-id="278" target="_blank" rel="noreferrer noopener">薪資證明</a>的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款的申請條件和取得低利率貸款的秘訣喔?/p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4e3.png" alt="📣" class="wp-smiley" style="height: 1em; max-height: 1em;" />2025年政府的勞保紓困貸款辦理時間?strong>113?2?6日至114??0日止</strong>，來不及申請，但仍然有勞保貸款需求怎麼辦？別擔心，<a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan"><strong>銀行勞保貸?/strong></a>還是能辦喔！也可以參?lt;<a href="//hu662.shop/blog/265/credit-loan-rate/" data-type="post" data-id="265" target="_blank" rel="noreferrer noopener">23家銀行信貸利率完整比?/a>>找到低利率信貸！</pre>



<pre class="wp-block-verse">銀行勞保貸款推薦：<br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a>-首期0.01%，第2期起2.88%起，財力證明認列廣，勞健保投保明細也可以?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a>-首期0.01%，第2?.88%起，有勞保即可申辦，最?1 天核貸?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/46h94v" data-type="link" data-id="//pse.is/46h94v" target="_blank" rel="noreferrer noopener">玉山xAlphaLoan獨家方案</a>-??.01%，審核速度快、適合緊急資金需求?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noreferrer noopener">富邦銀?/a>-首月0.01%，第2期起2.70%起，有富邦帳?信用卡過件機率高?br>(點銀行名稱即可快速申?</pre>



<h2 class="wp-block-heading">勞保貸款?種：勞工保險紓困貸款 vs 銀行勞保貸?/h2>



<figure class="wp-block-table"><table><tbody><tr><td>項目</td><td><strong>勞工保險紓困貸款</strong></td><td><strong>銀行勞保貸?/strong></td></tr><tr><td>貸款額度</td><td>最?0?/td><td>月收入的22?<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">詳細說明</a>)</td></tr><tr><td>貸款利率</td><td>2.165%</td><td>2.1%?/td></tr><tr><td>貸款期限</td><td>3?/td><td>最??/td></tr><tr><td>優點</td><td>1. 利率?br>2. 月付金低<br>3. 不需財力證明及信用證?/td><td>1. 利率?br>2. 額度?br>3. 申請流程簡單方便</td></tr><tr><td>缺點</td><td>1. 申請條件限制<br>2. 勞保年資?5年以?br>3. 申請時間限制<br>4. 額度限制</td><td>1. 需提出財力證明<br>2. 信用狀況良?br>3. 利率&額度依個人條件變化?/td></tr><tr><td></td><td><a href="#policy-labor" data-type="internal" data-id="#policy-labor">查看詳細資訊</a></td><td><a href="#labor-bank" data-type="internal" data-id="#labor-bank"><img loading="lazy" decoding="async" width="150" height="43" class="wp-image-1841" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt=""></a></td></tr></tbody></table></figure>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<h2 class="wp-block-heading" id="policy-labor">政府勞保貸款-勞工保險紓困貸款</h2>



<p>政府的勞工保險被保險人紓困貸款，又稱「勞工紓困貸款」、「勞保紓困貸款」，只有在每年的年初開放申請?025年的勞工紓困貸款申請期間是：2024/12/26(?~2025/1/10(?止，總共只有11個工作天的時間可以申請，超過這段期間就不能辦理，若急需用錢的人，建議申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">銀行勞?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">?/a>幫你度過難關！另外最新年度的勞保紓困貸款利率調整?strong>2.165%</strong>?/p>



<p>政府的勞保紓困貸款是<strong>由土地銀行承?/strong>，雖然利率很低，而且前半年還有寬限期，可以只繳息不還本，但申請條件也有限制，最少就要參加勞工保險年資滿15年，剛加入職場不久的職場新鮮人根本沒辦法申請，而且額度最高只?0萬，需求金額更大的話，就要改申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">銀行勞保貸?/a>?/p>



<h3 class="wp-block-heading">114?2025勞工保險紓困貸款申請時間</h3>



<p>申請期間?13?2?6日（星期四）?14??0日（星期五）歀?/p>



<ul class="wp-block-list">
<li>線上申請?13?2?6日（星期四）早上8時至114??0日（星期五）24時止?/li>



<li>臨櫃申請?13?2?6日（星期四）?14??0日（星期五）?依政府行政機關辦公日曆表之每上班日上?時至下午5時止)?/li>



<li>郵遞申請?13?2?6日（星期四）?14??0日（星期五）?以郵戳為??/li>
</ul>



<p>若要臨櫃辦理勞保紓困貸款，扣掉國定例假日僅有11天時間，建議可以網路或是郵遞申請，時間上較充裕喔~</p>



<h3 class="wp-block-heading">勞保紓困貸款資格&文件</h3>



<p><strong>申請資格</strong></p>



<ol class="wp-block-list">
<li>生活困難需要紓困?/li>



<li>參加勞工保險年資?5年（計算至受理截止日114??0日止）?/li>



<li>無欠繳勞工保險費及滯納金?/li>



<li><strong>未曾</strong>借貸勞保紓困貸款，或曾借貸<strong>已繳?/strong>貸款本金及利息?/li>



<li><strong>?/strong>請領老年給付、終身無工作能力之失能給付或向其所屬機關請領勞工保險補償金者?/li>
</ol>



<p id="doc"><strong>申請文件</strong></p>



<ol class="wp-block-list">
<li>申請?<a href="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" target="_blank" data-type="link" data-id="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" rel="noreferrer noopener">下載</a>)</li>



<li>掛號回郵信封（填妥收件人姓名、住址，並貼足郵票）?/li>



<li>被保險人印章?/li>



<li>未在土地銀行開立存款帳戶者，請攜帶被保險人身分證正本及正、背面影?份，以及健保卡（或駕照）正本及正、背面影?份。辦理存款開戶?/li>



<li>已在土地銀行開立存款帳戶者，請攜帶存摺及被保險人身分證正本及正、背面影?份?/li>



<li>委託親屬辦理者：請攜?1)委託書?2)醫療機構出具之相關證明文件?3)戶口名簿(或其他足資證明被保險人與受託人親屬關係之文件)，及(4)受託人印章、身分證正本及正、背面影?份。等到貸款核定通過後，再由本人檢齊相關文件（參?~5文件），親自到原申請分行辦理簽約對保及撥款手續?/li>
</ol>



<p>還沒有土地銀行帳戶的人，要記得先去申辦土銀帳戶喔！</p>



<h3 class="wp-block-heading">勞保紓困貸款申請方式</h3>



<p>勞保/勞工紓困貸款申請方式總共?種，分為臨櫃申請、線上申請和郵遞申請?/p>



<ul class="wp-block-list">
<li><strong>臨櫃申請</strong>：被保險人應於受理申請期間填妥申請書，並<a href="#doc" data-type="internal" data-id="#doc">檢齊相關文件</a>，親自向土地銀行所屬分行或其委託之金融機構提出申請。且於簽立貸款契約書，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li>



<li><strong>網路線上申請</strong>：被保險人應於受理申請期間點?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款申請專頁→申請，依序填妥申請資料，並完成網路簽約及<a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保手續</a>，網路申請受理後即以Email回傳受理成功訊息，完成網路申請手續，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li>



<li><strong>郵遞申請</strong>：被保險人應於受理申請期間填妥申請書，並檢附身分證影本，以掛號郵寄至土地銀行所屬分行，經查詢核定通過或收到通知後，於核定日?0日內檢齊<a href="#doc" data-type="internal" data-id="#doc">相關文件</a>，親自到原申請之分行或金融機構辦理簽約、對保及撥款手續，逾期未辦理者視同放棄?<ul class="wp-block-list">
<li>如何查詢是否通過審核?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款→查詢網頁</li>



<li>114年度土地銀行新設計?a href="//oi.landbank.com.tw/labor" target="_blank" data-type="link" data-id="//oi.landbank.com.tw/labor" rel="noreferrer noopener">勞工紓困貸款的專門網頁</a>，也可以嘗試使用?/li>
</ul>
</li>
</ul>



<h3 class="wp-block-heading">勞保紓困貸款額度、利?/h3>



<ul class="wp-block-list">
<li>貸款期間??/li>



<li>貸款額度：每人最?0萬元?/li>



<li>貸款利率?.04%，之後由勞動部勞工保險局報勞動部於每?月及7月調?/li>
</ul>



<h3 class="wp-block-heading">勞保紓困貸款還款方式.每月要還多少?/h3>



<p>勞保紓困貸款?個月按月付息不還本，自第7個月起按月平均攤還本息，由借款人之土地銀行存款帳戶按月扣繳貸款本息?/p>



<p>以借款10萬元計算，按目前利率(2.165%)?個月每月需繳利?80元，自第7個月開始每月繳本?,427元?/p>
</div></div>
</div></div>



<h2 class="wp-block-heading" id="bank-labor-loan">銀行勞保貸?/h2>



<p>銀行勞保貸款的勞保貸款其實也是信用貸款的一種，因此<a href="//hu662.shop/blog/253/loan-requirement/" data-type="post" data-id="253" target="_blank" rel="noreferrer noopener">申請條件</a>?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234" target="_blank" rel="noreferrer noopener">流程</a>都和一般信用貸款一模一樣，差別在於，銀行勞保貸款是以勞保異動明細當作財力證明申請的信用貸款，就算是沒有薪轉證明的人也可以申請?/p>



<p>台灣有很多中小企業因公司規模較小，因此常常是公司的行政會計以公司帳戶或是老闆個人帳戶「轉帳」的方式發薪水，審核較嚴格的銀行是無法完全當作薪轉證明，更不用說有些公司時直接發放現金，工作薪水會更難認列在財力證明內，因此選擇以勞保異動明細當作財力證明?/p>



<p>補充說明小提醒，很多人會有疑問：「保工會可以貸款嗎？」，其實勞保要由公司投保才算是「有勞保」，如果是在工會投保勞保，銀行會不認列為財力證明喔！政府規定5人以下小公司，不強制投保勞健保，有些公司就會幫員工在工會投保，因此要注意自己的勞保是在公司投保，還是在工會投保?<a href="//hu662.shop/blog/667/non-salary-loan/" data-type="post" data-id="667" target="_blank" rel="noreferrer noopener">無薪轉、領現金可以申請貸款嗎？7步驟有效提高貸款成功率！</a></p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h3 class="wp-block-heading">銀行勞保貸款申請條?/h3>



<ol class="wp-block-list">
<li>中華民國國民且年?8?/li>



<li>工作穩定，年資至少半年以?/li>



<li>財力狀況良?判斷依據?a href="//hu662.shop/blog/271/financial-statement/" data-type="post" data-id="271">財力證明要怎麼準備?/a>)</li>



<li>信用狀況良?判斷依據?a href="//hu662.shop/blog/374/credit-level/" data-type="post" data-id="374">信用評分標準是多少？</a>)</li>
</ol>



<h3 class="wp-block-heading">銀行勞保貸款額度、利?/h3>



<ul class="wp-block-list">
<li>貸款期間：最??/li>



<li>貸款額度：最?00?/li>



<li>貸款利率?.1%?/li>



<li>申辦手續費：6,000~9,000元，最?元起</li>
</ul>



<pre class="wp-block-verse">你最多可以申請到多少信用貸款？用負債比快速計算貸款額度上限：<a href="//hu662.shop/blog/292/dbr/" data-type="post" data-id="292" target="_blank" rel="noreferrer noopener">負債比率是什麼？負債比如何計算？3大公式快速核?/a></pre>



<h3 class="wp-block-heading" id="labor-bank">勞保貸款銀行推?/h3>



<figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>勞保貸款推薦銀?/strong></td><td><strong>貸款方案基本資料</strong></td><td><strong>推薦原因</strong></td></tr><tr><td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="75" class="wp-image-493" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/kgi-logo.png" alt=""></a><br>凱基銀行Alpha Loan專屬限時信貸<br><a href="//pse.is/4253kz" data-type="URL" data-id="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt=""></a></td><td>年利率：首月0.01%，第2個月?.18%?br>手續費：NT{mayi_title} ?br>貸款額度：最?000?/td><td>貸款期限最?0年，每月負擔較低，過件率相對最高?/td></tr><tr><td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="79" class="wp-image-2055" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt=""></a><br>渣打銀行優惠信?br><a href="//pse.is/43ksl9" data-type="link" data-id="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>過件率和利率都相對較優。用MyData 24H線上申請，最快對保後5分鐘撥款?/td></tr><tr><td><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="41" class="wp-image-850" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/08/hsbc-滙豐銀?logo.png" alt=""></a><br>滙豐銀行優惠信?br><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>有勞保即可申辦，24 小時線上申辦，最?1 天核貸?/td></tr><tr><td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="35" class="wp-image-473" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt=""></a><br>玉山銀行e指信貸xAlphaLoan獨家方案<br><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：??.01%，第3期起3.15%?br>手續費：NT$2,000?br>貸款額度：最?00?/td><td>審核速度快、標準較寬鬆，適合有緊急資金需求的人?/td></tr><tr><td><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="150" height="31" class="wp-image-619" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/富邦logo.png" alt=""></a><br>富邦銀行AlphaLoan限定專案<br><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首月0.01%，第2期起2.7%?br>手續費：NT$ 0 ?br>貸款額度：最?00?/td><td>有富邦信用卡或帳戶，過件機率高、利率相對低</td></tr></tbody></table></figure>



<h3 class="wp-block-heading">取得低利率銀行勞保貸款的秘訣</h3>



<h4 class="wp-block-heading">培養良好信用</h4>



<p>貸款申請人的工作收入是領現金對銀行來說風險比較高，既然工作狀態沒辦法說改就改，那麼培養出良好長期信用紀錄，就是必須要做的功課，貸款申請人有良好的信用紀錄對銀行來說風險就會比較低，風險低就比較容易申請到滿意的貸款?/p>



<p>培養信用最簡單的方式就是申請一張信用卡，並正確長期使用，每期卡費都全額繳清，不繳最低應繳金額、不使用預借現金等等，都能有效提升信用，申請貸款也會比較簡單喔?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/577/increase-credit-score/" target="_blank" data-type="post" data-id="577" rel="noreferrer noopener">如何培養信用？培養信用的9大方法讓貸款更簡?/a></pre>



<h4 class="wp-block-heading">選對銀行信貸方?/h4>



<p>銀行信用貸款方案有很多種，而且也不是每家銀行都會借錢給沒有薪轉證明的人，因此選對銀行就非常重要，再加上聰明利用以上說明的方式展現自己的優勢，就更有機會申請到滿意的貸款方案，像是AlphaLoan實貸比較網的使用?a href="//blog.hu662.shop/24108-%e4%bf%a1%e8%b2%b8%e7%94%b3%e8%b2%b8%e6%a1%88%e4%be%8b60%ef%bc%9a%e7%8f%be%e9%87%91%e6%94%b6%e5%85%a5%e6%80%8e%e9%ba%bc%e8%be%a6%ef%bc%9f%e8%8a%b1%e6%97%97%e5%8d%a1%e5%8f%8b%e6%a0%b8%e8%b2%b8" target="_blank" rel="noreferrer noopener">工程師陳先生</a>，雖然工作是領現金收入，但充分運用自身現有的優勢條件，仍然成功核貸，申請到一筆貸款度過現有難關，利用<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>一次比較多家銀行，找到最適合的信貸方案?/p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>

<table>
<tbody>
<tr>
<th colspan="4">信貸利率比較?/th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%-16.78% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan 專屬限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.19%-15.1% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
</tbody>
</table>


<h2 class="wp-block-heading">勞保貸款常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1660014914726" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 勞保紓困貸款額度是多少？勞保貸款30萬方?/h3>
<div class="rank-math-answer ">

<p>政府勞保紓困貸款額度最高是10萬元，再加上申請銀行勞保貸?0萬元，就能成功申請到勞保貸款30萬喔?/p>

</div>
</div>
<div id="faq-question-1660014918386" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 銀行勞保貸款好過嗎?/h3>
<div class="rank-math-answer ">

<p>銀行勞保貸款其實是以勞保異動明細作為財力證明的信用貸款，並非每家銀行都能申請，需慎選銀行，?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">信貸比較網站</a>就能快速找到銀行勞保貸款?/p>

</div>
</div>
<div id="faq-question-1663129527849" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 保工會可以貸款嗎?/h3>
<div class="rank-math-answer ">

<p>通常以「勞保異動明細」當作主要財力證明的話，必須是要由公司投保才會認列，如果是自己去工會保勞保，就很難當作財力證明，頂多當作補充資訊喔?/p>

</div>
</div>
<div id="faq-question-1734691735902" class="rank-math-list-item">
<h3 class="rank-math-question ">Q4. 114年勞保紓困貸款可以向哪家銀行申請？</h3>
<div class="rank-math-answer ">

<p>勞保紓困貸款由土地銀行承辦，土地銀行客服專線（02?314-6633，有任何問題也可以向勞保局服務專線?2?396-1266洽詢?/p>

</div>
</div>
</div>
</div>


<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



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]]></content:encoded>
					
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			<slash:comments>64</slash:comments>
		
		
			</item>
		<item>
		<title>2025車貸利率多少合理?種車子貸款利率比較給你看，最低利車貸是這種?/title>
		<link>//hu662.shop/blog/735/car-loan-rate/</link>
					<comments>//hu662.shop/blog/735/car-loan-rate/#respond</comments>
		
		<dc:creator><![CDATA[Coco Ting]]></dc:creator>
		<pubDate>Fri, 21 Feb 2025 02:47:21 +0000</pubDate>
				<category><![CDATA[信貸小知識]]></category>
		<category><![CDATA[信貸買車]]></category>
		<category><![CDATA[汽車貸款]]></category>
		<category><![CDATA[現金買車]]></category>
		<category><![CDATA[車子貸款]]></category>
		<category><![CDATA[車貸利率]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=735</guid>

					<description><![CDATA[汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此汽車貸款跟房屋貸款不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是中古車，額度就更低了，那麼車貸利率多少合理？用車貸買車比較好還是用信貸買車比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！]]></description>
										<content:encoded><![CDATA[
<p>汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此<a href="//hu662.shop/blog/1056/car-loan/" data-type="post" data-id="1056" target="_blank" rel="noreferrer noopener">汽車貸款</a>?a href="//hu662.shop/blog/1693/mortgage-requirement/" data-type="post" data-id="1693" target="_blank" rel="noreferrer noopener">房屋貸款</a>不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是<a href="//hu662.shop/blog/777/used-car-loan/" target="_blank" data-type="post" data-id="777" rel="noreferrer noopener">中古車貸?/a>，額度就更低了，那麼車貸利率多少合理?strong>用車貸買?/strong>比較好還?strong>用信貸買?/strong>比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！</p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h2 class="wp-block-heading">車貸利率多少合理?種車貸利率一次看</h2>



<figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td></td><td><strong>車貸利率</strong></td><td><strong>車貸額度</strong></td><td><strong>車貸期限</strong></td></tr><tr><td><strong>新車貸款</strong></td><td>2.93%~6.5%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>中古車貸?/strong></td><td>3.2%~12%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>原車貸款融資</strong></td><td>5.75%~13%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>民間汽車貸款</strong></td><td>8%~16%</td><td>最?50?/td><td>最?5~6?/td></tr><tr><td><strong>電動車貸?/strong>*</td><td>2.52%~16%</td><td>最?00萬~500?/td><td>最?5~7?/td></tr></tbody></table></figure>



<p>*電動車貸款為新型態車貸，不須設定汽車抵押，僅憑電動車買買合約即可申請?/p>


<table class="blogtable">
<tbody>
<tr>
<th colspan="4">限時優惠低利信貸方案推薦</th>
</tr>
<tr>
<td style="width: 13%;"></td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div>
<p class="font_4" style="text-align: center;">渣打信貸限時優惠</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">滙豐信貸通路限定</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">台北富邦優惠信貸</p>
</td>
</tr>
<tr>
<td>
<p class="font_3">優惠利率</p>
</td>
<td>
<p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p>
</td>
<td>
<p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p>
</td>
<td>
<p class="font_4">首期0.01%，第2期起2.7%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">最高額?/p>
</td>
<td>
<p class="font_4">600?/p>
</td>
<td>
<p class="font_4">800?/p>
</td>
<td>
<p class="font_4">500?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">手續?/p>
</td>
<td>
<p class="font_4">0?/p>
<p class="font_4"><sub>(另有100元徵信費)</sub></p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">APR</p>
</td>
<td>
<p class="font_4">2.79%?/p>
</td>
<td>
<p class="font_4">2.46%?/p>
</td>
<td>
<p class="font_4">2.61%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">推薦原因</p>
</td>
<td>
<p class="font_4">有投保勞保即可申辦，且過件率?/p>
</td>
<td>
<p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p>
</td>
<td>
<p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p>
</td>
</tr>
<tr>
<td></td>
<td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td>
<td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td>
<td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td>
</tr>
</tbody>
</table>


<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<h2 class="wp-block-heading">3種汽車貸款利率比?/h2>



<h3 class="wp-block-heading">銀行購?新車/中古?貸款</h3>



<ul class="wp-block-list">
<li>貸款利率最低，<strong>?.93%?/strong></li>



<li>購車時申辦的汽車貸款</li>



<li>新車有機會以0利率方案購車</li>



<li>需評估信用狀況，若有信用瑕疵會較難申請?/li>
</ul>



<h3 class="wp-block-heading">銀行原車貸款融?/h3>



<ul class="wp-block-list">
<li>貸款利率中等?strong>?.75%?/strong></li>



<li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li>



<li>需評估信用狀況，若有信用瑕疵會較難申請?/li>



<li>也會評估申請人財力狀況，<a href="//hu662.shop/blog/292/dbr/" target="_blank" data-type="post" data-id="292" rel="noreferrer noopener">負債?/a>會不會太高等?/li>
</ul>



<h3 class="wp-block-heading">資融公司汽車貸款</h3>



<ul class="wp-block-list">
<li>貸款利率最高，<strong>?%?/strong></li>



<li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li>



<li>信用條件較差也能申貸，審核快速、核貸機率高?/li>



<li>須注意還款計畫以及貸款利率是否太高，總還款利息超出預期?/li>
</ul>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/1056/car-loan/" target="_blank" data-type="post" data-id="1056" rel="noreferrer noopener">汽車貸款懶人包|車貸該怎麼選？汽車貸款條件.利率.額度.注意事項5分鐘搞懂</a></pre>



<h2 class="wp-block-heading">車貸vs信貸 哪種貸款利率比較低？</h2>



<figure class="wp-block-table"><table><tbody><tr><td></td><td><strong>信用貸款</strong></td><td><strong>汽車貸款</strong></td></tr><tr><td>利率</td><td>2.1%?/td><td>2.93%~13%</td></tr><tr><td>額度</td><td>個人月收入的22?註：<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">DBR 22?/a>)</td><td>依購入車款年分、車價評?/td></tr><tr><td>手續?/td><td>3,000~6,000?/td><td>?,000?/td></tr><tr><td>期限</td><td>最??/td><td>最??/td></tr><tr><td>申辦流程</td><td>平均3~5?/td><td>平均7~10?/td></tr><tr><td>購車優惠</td><td>約等同現金購車，議價空間較大</td><td>議價空間較小</td></tr><tr><td>賣車便利?/td><td>無貸款汽車，賣車較便?/td><td>車貸車較難自行銷?/td></tr><tr><td>擔保?/td><td>不需抵押擔保?/td><td>以汽車作為擔保品</td></tr></tbody></table></figure>



<p>車貸信貸好像各有優勢，那麼應該要選擇哪種貸款方式呢？以下提供3個決定性問題，幫你判斷你應該選擇哪種貸款：</p>



<ol class="wp-block-list">
<li>需要貸款的額度是多少？需要額度＜平均月收入?0→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li>



<li>現金買車優惠有多少？優惠價差少於車貸總利息→申請汽車貸款</li>



<li>未來5年內是否會換?賣車?年內大多還未還清車貸，若要賣車的話會較難自行銷售→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li>
</ol>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>


<h3 class="wp-block-heading">低利率信貸統整表</h3>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<table>
<tbody>
<tr>
<th colspan="4">信貸利率完整比較</th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td>
<td>一般信?/td>
<td>2.23%?/td>
<td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td>國泰世華</td>
<td>泰幸福信?/td>
<td>1.88%?/td>
<td>5.99%~16.08%</td>
</tr>
<tr>
<td>樂天國際銀?/td>
<td>樂天?分期?</td>
<td>2.08%?/td>
<td>2.17%~15.72%</td>
</tr>
<tr>
<td>LINE Bank</td>
<td>分期信貸</td>
<td>3.18%?/td>
<td>3.35%~16.43%</td>
</tr>
<tr>
<td>遠東商銀</td>
<td>Online信貸</td>
<td>2.01%?/td>
<td>2.32%~14.98%</td>
</tr>
<tr>
<td>新光銀?/td>
<td>個人信貸</td>
<td>0.68%?/td>
<td>3.21%~15.61%</td>
</tr>
<tr>
<td>華南銀?/td>
<td>優質?/td>
<td>2.73%?/td>
<td>3.451%~14.682%</td>
</tr>
<tr>
<td>上海商銀</td>
<td>個人信貸</td>
<td>1.99%?/td>
<td>3.45%~12.03%</td>
</tr>
<tr>
<td>國泰世華</td>
<td>大樹速貸</td>
<td>3.33%?/td>
<td>4.01%~17.09%</td>
</tr>
<tr>
<td>土地銀?/td>
<td>一般信用貸?/td>
<td>4%?/td>
<td>4.73%?.79%</td>
</tr>
<tr>
<td>台灣企銀</td>
<td>e網貸貸款</td>
<td>2.62%?/td>
<td>4.525%?/td>
</tr>
<tr>
<td>陽信銀?/td>
<td>一般個人信用貸款</td>
<td>1.88%?/td>
<td>5.55%~8.57%</td>
</tr>
<tr>
<td>台北富邦銀?/td>
<td>上班族信?/td>
<td>4.01%?/td>
<td>5.26%~16.37%</td>
</tr>
<tr>
<td>合作金庫</td>
<td>優職優利信用貸款</td>
<td>2.105%?/td>
<td>3.65%~8.99%</td>
</tr>
</tbody>
</table>
</div></div>



<h2 class="wp-block-heading">影響汽車貸款利率3大因?/h2>



<h3 class="wp-block-heading">財力證明</h3>



<p>財力證明主要看的是，未來有沒有能力如期還款，若工作未?個月，申請車貸很容易不通過，年資越久、收入越高，申請車貸的利率也就越低，收入越穩定的職業，當然車貸利率也會越低，像是一般內勤員工就會比領獎金業務人員較容易申請到低利貸款?/p>



<p>如果你的工作收入沒那麼亮眼，也可以提供其他的財力證明增加籌碼，像是股票基金對帳單、定存單、房地產所有權狀等等，如果你是年終獎金或業績獎金佔薪水比例大，年收入÷12的平均月收入遠大於一般月薪的話，也可以提供扣繳憑單當作財力證明，也會比較有優勀?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/271/financial-statement/" target="_blank" data-type="post" data-id="271" rel="noreferrer noopener">財力證明要怎麼準備?大財力證明一次搞?/a></pre>



<h3 class="wp-block-heading">信用證明</h3>



<p>影響汽車貸款利率的重要因素之一就是個人的信用狀況，也就是聯徵紀錄好不好，很多人以為沒有信用卡、沒有欠銀行任何錢，就代表信用很好，其實不是這樣的，沒有信用卡就代表沒有任何信用紀錄，既然沒有紀錄，怎麼會知道信用好不好呢！所以申辦一張信用卡，並且正確、良好的使用，才能培養出好信用！不知道要辦哪張信用卡比較好嗎?a href="//www.fincake.co/cards" data-type="link" data-id="//www.fincake.co/cards" target="_blank" rel="noreferrer noopener">fincake平台</a>幫你依照你的消費情況，分析最適合的信用卡給你?/p>



<p>正確的信用卡使用習慣包含，每個月都準時全額繳清信用卡帳單，沒有遲繳也不只繳最低應繳金額，不使用信用卡循環利息等等，另外也要定期查看自己的個人信用報告，看一下自己的聯徵紀錄如何：<a href="//hu662.shop/blog/334/jcic-report/" data-type="post" data-id="334" target="_blank" rel="noreferrer noopener">聯徵是什麼？聯徵紀錄詳細解?申請方式3分鐘搞懂</a>?/p>



<h3 class="wp-block-heading">貸款方式</h3>



<p>貸款方式也會大大影響到你申請車貸的利率是多少，如果是購車時申辦的汽車貸款，那麼利率最低只?.93%起，但如果是購車時的車貸還沒還完，想再次申請的原車貸款融資，最低就來到5.75%起，如果是一般上班族，信用狀況正常的話，還不如申請信用貸款，利率只要2.1%起，汽車貸款利率最高的就是資融公司的汽車貸款，最高利率要16%?/p>



<h2 class="wp-block-heading">車貸利率3大注意事?/h2>



<h3 class="wp-block-heading">確認貸款合約內容</h3>



<p>對保的時候，一定要確認貸款合約的內容，像是貸款金額有多少？貸款利率是多少？貸款期限有多久？還款方式是什麼？轉帳還款或是去超商繳費也可以嗎？有沒有特殊條件？……等等，貸款合約內的細節要確認清楚，有任何問題也要當場提出，簽名用印之後想再反悔或修改都已經來不及了?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/245/cancel-loan/" data-type="post" data-id="245" target="_blank" rel="noreferrer noopener">銀行貸款對保後反悔要付違約金？貸款審核通過以後可以取消嗎？</a></pre>



<h3 class="wp-block-heading">確認貸款利率</h3>



<p>貸款利率要確認是年利率還是月利率？如果是向銀行申請汽車貸款，告訴你的利率都會是年利率，但如果是民間借貸的話則很有可能會不說明清楚，讓你誤以為利率很低，民法規定年利率最高不得超?6%，超過上限的話可以拒絕支付超出的利息?/p>



<p>另外也要確認之後的月付金是可以負擔的範圍，若是明知道之後的月付金太高，有可能會付不出來，卻還是因為眼前的緊急情況仍然簽下貸款合約，不但沒辦法解決問題，還會造成更大的財務破洞?a href="//hu662.shop/blog/826/debt-negotiation/" target="_blank" data-type="post" data-id="826" rel="noreferrer noopener">債務協商=破產？債務協商和債務整合哪裡不一樣？後果.流程一次看</a></p>



<h3 class="wp-block-heading">有無「限制清償期?/h3>



<p>限制清償期是指在約定期間內不可以提前多還款，是銀行為了確保可以賺到預期利息而設計的約定期限，多數汽車貸款都會有限制清償期約18~24期，如果只是想要短期周轉，下個月就可以還掉貸款的話，可能就不太適合申請汽車貸款。或是選擇付較高的貸款手續費申請無限制清償期方案?/p>



<p>延伸閱讀?a href="//hu662.shop/blog/1030/contract-period/" target="_blank" rel="noreferrer noopener">貸款綁約意思是什麼？貸款綁約好嗎？綁約要綁多久？</a></p>



<h2 class="wp-block-heading">車貸利率常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1656059491463" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 車貸利率多少合理?/h3>
<div class="rank-math-answer ">

<p>購車貸款一般新車利率在5%以下，中古車貸款則大約是5%~9%?/p>

</div>
</div>
<div id="faq-question-1656059501981" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 汽車貸款利率最低多少？</h3>
<div class="rank-math-answer ">

<p>汽車貸款利率依照你申請的方案不同，有很大的差異，若是全新車貸，車廠為促銷有機會以0利率申貸，一般銀行車貸最低利率大約是2.93%?/p>

</div>
</div>
<div id="faq-question-1656060073445" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 車貸利率計算方式?/h3>
<div class="rank-math-answer ">

<p>通常銀行車貸利率的算法是機動利率，也就是基本固定利?個人風險溢價利率組成，詳細說明可參?a href="//hu662.shop/blog/596/floating-interest-rate/" data-type="post" data-id="596" target="_blank" rel="noreferrer noopener">這篇機動利率解析</a>?/p>

</div>
</div>
<div id="faq-question-1656060329961" class="rank-math-list-item">
<h3 class="rank-math-question ">Q4. 買車選車貸好還是信貸好？</h3>
<div class="rank-math-answer ">

<p>若個人信用狀況良好，且財力證明無虞，選擇申請信用貸款有機會申請到<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">最?.1%信貸</a>，且不需擔保品，靈活度更高?/p>

</div>
</div>
</div>
</div>


<figure class="wp-block-table">
<table><tbody>
<tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td>
  <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a>
    </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td>
  
  </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸額度多少?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/508/correspondent-bank/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />迷思破?往來銀?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/848/on-lend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />轉增貸推薦銀?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/253/loan-requirement/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />必知7大信貸條?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/463/creditloan-trap/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />避開7大信貸陷?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/479/debt-consolidation-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />債務整合推薦銀?/a></td></tr>
  <tr>
<th colspan="3"><a href="//pse.is/5nl6wm" target="_blank" rel="noreferrer noopener">30秒取得個人信貸預測報告</a></th>
</tr>
</table></tbody>
]]></content:encoded>
					
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		<title>LINE Bank 信貸好過嗎？2大方?3注意事項.心得分析一次看

		//hu662.shop/blog/1192/obank-loan-review/
					//hu662.shop/blog/1192/obank-loan-review/#comments
		
		
		Thu, 13 Feb 2025 06:27:53 +0000
				
		
		
		
		
		
		//hu662.shop/blog/?p=1192

					
										想要申請信用貸款該向哪家銀行申請比較好呢？王道銀行是數位銀行，利率會不會比傳統銀行好？本篇分?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>的使用者案例，告訴你王道銀行貸款好過嗎？誰適合申請王道銀行貸款？以及要申請王道銀行貸款有哪些注意事項及條件，想知道王道銀行貸款好過嗎？那麼就快點看下去吧?/p>




如果你的職業收入、信用狀況、負債狀況都跟我們的案例很相似，那麼也會推薦你申請王道銀行信用貸款，想了解更精準的個人化信貸預測，歡迎?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">網站內進行分析?/p>









王道銀行信用貸款方案整?/h2>







 
信貸優惠專案
王道Go用金
債務整合信貸




貸款利率
2.25%?機動計息)
2.99%~16.00%(固定計息)
3.49%~16.13%(機動計息)




手續?/td>
新台?6,000 ?/td>
新台?1,500 ?/td>
新台?9,000 ?/td>




貸款金額
最?500 萬元
最?60 萬元
最?500 萬元




貸款期間
最?7 ?/td>
最?5 ?/td>
最?7 ?/td>




貸款對象
1. 本國人年?8~65歲，有固定收入?br />2. 年收入大於等於NT24萬元


1.本國人年?8~65歲，有財力證明?br />2. 年收入大於等於NT24萬元?/span>


1. 本國人年?8~65歲，有固定收入?br />2. 年收入大於等於NT24萬元




 
立即申請
立即申請
立即申請








→線上申辦王道銀行貸?/a>





王道信用貸款申貸成功者背?/h2>




    

  • 職業：上市櫃公司作業?/li>




  • 年收入：53?/li>




  • 信用狀況：信用卡使?年以上、無卡循、無遲繳
    • 




  • 負債狀況：?/li>






王道銀行信用貸款核貸結果分?/h2>




    

  • 貸款利率?.68%
    • 




  • 貸款額度?0?/li>




  • 貸款期限??60?/li>




  • 手續費：0?/li>




  • 月付金：8,913?/li>






蘇小姐是在一家上市上櫃公司的員工，穩定薪轉收入，名下沒有負債、信用卡債、貸款等等，銀行信貸申請過件沒有問題，但找哪一家銀行最適合，利率最低呢?/p>




蘇小姐開始找資料做功課，發現了信貸比較平台－AlphaLoan實貸比較?/a>，評估後王道銀行顯示在最佳申請方案，蘇小姐看到利率驚訝，自己只不過是作業員，真的可以拿到這麼好的條件嗎？





雖然半信半疑她但還是直接向王道銀行提出申請，一天內取得初審的條件，本來系統預估的利率約落在3-4%，但有優惠活動的王道核定了利?.68%及手續費0元，這麼理想的條件，蘇小姐當然迅速同意撥款，申請的過程不到兩天就拿到資金?/p>




以上簡述客戶真實在王道銀行核貸的經驗，不過是什麼樣的人適合申請王道銀行呢?/p>




誰適合申請王道銀行信用貸款？





    

  1. 名下沒有銀行負?包含房貸、信貸、學貸等)
    2. 




  2. 信用卡持卡使用半年以?/li>




  3. 可提供收入證?薪轉證明、年度扣繳憑單、勞保異動明細、健保投保證?
    4. 




  4. 快速需要資金?/li>






王道銀行貸款好過嗎？急用?天快速撥?/h2>




蘇小姐是一名上市上櫃電子公司的作業員，上下班工作時間穩定，她自己本身的生活單純，但是家人的財務狀況不穩定，尤其弟弟名下有許多筆融資借貸，還款壓力大想用銀行信貸進行債務整合，但弟弟在餐廳的工作沒有薪轉，向銀行申請小額信貸都被婉拒，受不了還款壓力向姊姊求救?/p>




蘇小姐不想把存款拿出來給弟弟還債，畢竟有一筆生活緊急預備金較為安心，後來跟弟弟協議，由她的名義去申請信貸，還款得由弟弟負責。即使存在風險，但長姐的責任讓蘇小姐還是決定幫助弟弟?/p>




延伸閱讀?a href="//hu662.shop/blog/828/emergency-funds/" target="_blank" data-type="post" data-id="828" rel="noreferrer noopener">緊急預備金要存多少？放哪裡最划算？可以不存嗎？緊急預備金101大哉?/a>





蘇小姐在弟弟的經驗下，本來以為銀行信貸是很難申請的，但事實上，蘇小姐本身的條件就和弟弟完全不同。她在上市上櫃公司上班，穩定的薪資轉帳加上名下沒有負債，各銀行申請過件是沒有疑慮的，不過她的隱藏問題是「平常工作不方便隨時接電話」，AlphaLoan建議她選擇王道銀行線上申請，不需銀行業務聯繫，資料備齊拍照上傳，全程自行完成申請即可，流程方便過程也十分快速順利！







溫馨小提醒：AlphaLoan遇過很多客人表示名下貸款是幫家人朋友借，還款由他人還款，但貸款是掛在客人的名下，負債計算當然是算在借款人身上，銀行不會知道是誰在還這筆錢，且這麼做須承擔高風險，若未來還款的人耍賴，借款人還是得依約還款唷！







申辦王道信貸?大注意事?/h2>




．簡單線上申?步驟





    

  1. 填寫資料
    2. 




  2. 上傳文件
    3. 




  3. 徵信審查
    4. 




  4. 成立契約
    5. 




  5. 撥款
    6. 






簡單完成5步驟即可快速撥款，申請前記得先將文件準備齊全，包含身分證、第二證件以及收入財力證明，切記上傳的資料照片要字體清楚可辨識、無反光、不模糊，可以加快申請的速度唷！





．了解什麼是總費用年百分?APR)





申請信貸客戶需支付的包含利息費用、開辦費、帳務管理費等，可以用總費用年百分率(APR)計算申請信貸需支付的成本，計算方式是將成本加總後依貸款時間，平均分攤到每一期的繳款費用率?/p>




若在比較銀行貸款方案時，參考總費用年百分率更可以準確的知道須支付的成本高低唷！參考案例如下：





利率開辦手續?/td>貸款期限APR
A銀?/td>3%5000?/td>60?/td>4.9%
B銀?/td>3.5%1000?/td>60?/td>3.9%





直覺上會選擇利率低的A銀行撥款，但其隱藏需要支付的開辦手續費，加上計算後，A銀行的APR高出B銀?%呢！若沒有留意到的話是多麼冤枉！





延伸閱讀?a href="//hu662.shop/blog/401/what-is-apr/" target="_blank" data-type="post" data-id="401" rel="noreferrer noopener">總費用年百分率APR是什麼？貸款利率試算&正確評估方式





．貸款核貸後的猶豫期





信貸核貸後不是一定要馬上撥款唷！客戶有猶豫期，審閱期間至少五日，有些銀行有一個月左右的猶豫期，視銀行規定，故不要傻傻的被業務遊說要馬上撥款唷！條件不滿意的話，還是有機會利用猶豫期的時間跟銀行爭取看看更好的條件，或?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">找其他條件更好的銀?/a>申貸唷！














💡信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />
  
💵信貸是什麼？
    💵信用評分多少才夠?/a>
    💵信貸推薦完整攻略

  
  
💰信貸流程知多少？
    💰聯徵報告申請教學
    💰小白信貸推薦銀?/a>
  
  
💵低利信貸申請攻略
  💵聯徵報告怎麼看？
  💵信貸好過銀行推?/a>

  
  
💰信貸額度多少?/a>
    💰迷思破?往來銀?/a>
    💰轉增貸推薦銀?/a>

  
  
💵必知7大信貸條?/a>
    💵避開7大信貸陷?/a>
    💵債務整合推薦銀?/a>

  

30秒取得個人信貸預測報告




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	<item>
		<title>信貸利率最?.1%?2025?4間銀行信用貸款利率完整比?/title>
		<link>//hu662.shop/blog/265/credit-loan-rate/</link>
					<comments>//hu662.shop/blog/265/credit-loan-rate/#comments</comments>
		
		<dc:creator><![CDATA[Coco Ting]]></dc:creator>
		<pubDate>Tue, 25 Feb 2025 05:11:56 +0000</pubDate>
				<category><![CDATA[信貸小知識]]></category>
		<category><![CDATA[利率]]></category>
		<category><![CDATA[貸款必備基礎]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=265</guid>

					<description><![CDATA[信貸利率大概是多少呢？最近繳稅需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案、掌握談判技巧，一樣可以享信貸利率優惠喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀行信用貸款利率完整比較表，幫你快速找到信用貸款利率最優惠的信貸推薦方案。]]></description>
										<content:encoded><![CDATA[
<p>信貸利率標準是多少呢？過完年荷包空空需要資金周轉，但又一直升息，感覺壓力好大，其實只要找到對的方案?a href="//hu662.shop/blog/942/creditloan-rate-nego/" target="_blank" rel="noreferrer noopener">掌握信貸利率談判技?/a>，一樣可以申請到低利率貸款喔！本篇介紹了信用貸款的基本知識，包含信用貸款利率、額度、貸款期限、申請條件、申請流程等等，還整理了2025最新各大銀?a href="#pl-rate-table" data-type="internal" data-id="#pl-rate-table">信用貸款利率完整比較?/a>，幫你快速找到信用貸款利率最優惠?a href="//hu662.shop/blog/299/personal-loan-recommend/" data-type="post" data-id="299" target="_blank" rel="noreferrer noopener">信貸推薦方案</a>?/p>



<figure class="wp-block-image size-full"><a href="//pse.is/5jkb5h" target="_blank" rel=" noreferrer noopener"><img fetchpriority="high" decoding="async" width="1300" height="200" src="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg" alt="" class="wp-image-6059" srcset="//hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog.jpg 1300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-300x46.jpg 300w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-1024x158.jpg 1024w, //hu662.shop/blog/wp-content/uploads/2025/02/HSBC02_1300x200_blog-768x118.jpg 768w" sizes="(max-width: 1300px) 100vw, 1300px" /></a></figure>



<h2 class="wp-block-heading" id="各銀行信用貸款利率方案完整比?>2025最新各銀行信用貸款利率方案完整比?/h2>



<p id="pl-rate-table">銀行為了吸引有資金需求的人申請信用貸款，廣告的信貸利率總是顯得很誘人，看起來好像借錢是很簡單、很便宜的事情，但其實廣告利率不一定是你實際申請到的利率，除了個人條件會影響信用貸款利率以外，還需要將二段式利率?,000~9,000元的手續費、徵信費等等多項費用綜合考慮進去才行?/p>



<p>將所有費用加總平均計算得出的?a href="//hu662.shop/blog/401/what-is-apr/" data-type="post" data-id="401">總費用年百分?/a>」才是實際上信用貸款的真實利率，以下列出各大銀行的信用貸款利率方案完整比較，包含總費用年百分率供大家參考！</p>


<table>
<tbody>
<tr>
<th colspan="4">信貸利率完整比較</th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/75n72l" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img decoding="async" class="alignnone wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/75n6wg" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td>
<td>一般信?/td>
<td>2.23%?/td>
<td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td>國泰世華</td>
<td>泰幸福信?/td>
<td>1.88%?/td>
<td>5.99%~16.08%</td>
</tr>
<tr>
<td>樂天國際銀?/td>
<td>樂天?分期?</td>
<td>2.08%?/td>
<td>2.17%~15.72%</td>
</tr>
<tr>
<td>LINE Bank</td>
<td>分期信貸</td>
<td>3.18%?/td>
<td>3.35%~16.43%</td>
</tr>
<tr>
<td>遠東商銀</td>
<td>Online信貸</td>
<td>2.01%?/td>
<td>2.32%~14.98%</td>
</tr>
<tr>
<td>新光銀?/td>
<td>個人信貸</td>
<td>0.68%?/td>
<td>3.21%~15.61%</td>
</tr>
<tr>
<td>華南銀?/td>
<td>優質?/td>
<td>2.73%?/td>
<td>3.451%~14.682%</td>
</tr>
<tr>
<td>上海商銀</td>
<td>個人信貸</td>
<td>1.99%?/td>
<td>3.45%~12.03%</td>
</tr>
<tr>
<td>國泰世華</td>
<td>大樹速貸</td>
<td>3.33%?/td>
<td>4.01%~17.09%</td>
</tr>
<tr>
<td>土地銀?/td>
<td>一般信用貸?/td>
<td>4%?/td>
<td>4.73%?.79%</td>
</tr>
<tr>
<td>台灣企銀</td>
<td>e網貸貸款</td>
<td>2.62%?/td>
<td>4.525%?/td>
</tr>
<tr>
<td>陽信銀?/td>
<td>一般個人信用貸款</td>
<td>1.88%?/td>
<td>5.55%~8.57%</td>
</tr>
<tr>
<td>台北富邦銀?/td>
<td>上班族信?/td>
<td>4.01%?/td>
<td>5.26%~16.37%</td>
</tr>
<tr>
<td>合作金庫</td>
<td>優職優利信用貸款</td>
<td>2.105%?/td>
<td>3.65%~8.99%</td>
</tr>
</tbody>
</table>


<p>看完完整比較表仍然無法決定該向哪家銀行申請信用貸款，那就?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>評估吧，?分鐘填寫資料，由AI依照大數據分析你最適合申請哪一家銀行的信貸方案，簡單取得各銀行的利率及額度試算報告！</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>


<h2 class="wp-block-heading" id="信用貸款的申請條件有哪些">信用貸款的申請條件有哪些?/h2>



<p>信用貸款的申請條件基本上都大同小異，除了特殊信貸方案會有特殊條件要求，例?a href="//hu662.shop/blog/1182/doctor-loan/" target="_blank" data-type="post" data-id="1182" rel="noreferrer noopener">醫師信貸方案</a>會要求提供職業證明，大多數信貸方案只要有以下3個條件就可以申請了！</p>



<ol class="wp-block-list">
<li>中華民國國民且年?8?/li>



<li>工作穩定、財力狀況良好，工作?個月以上，且年收入達25萬以?/li>



<li>信用好、聯徵紀錄佳?a href="//hu662.shop/blog/318/credit-score/" data-type="post" data-id="318">信用分數</a>?50以上</li>
</ol>



<h2 class="wp-block-heading" id="信用貸款的額?利率-期限">信用貸款的利率、額度、期限？</h2>



<p>各銀行信用貸款方案的最高可申請額度會有些許差異，有些甚至最高可申請800萬貸款，大多數銀行最高可申請額度都落?00萬~600萬之間，但實際上最高可申請額度會依照個人的財力狀況而有所不同，最簡易計算方式是以自己?a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">月薪×22?/a>，就是你可以申請的信貸最高額度?/p>



<p>至於信用貸款的利率則?.1%~16%之間，全?a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">平均信貸利率大約6.24%</a>，根據個人的職業和收入會有很大的差別。而信用貸款期限最長是84期，也就?年，最長可以將貸款分成7年期間慢慢攤還?/p>



<h2 class="wp-block-heading">低信用貸款利率推薦方?/h2>


<table class="blogtable">
<tbody>
<tr>
<th colspan="4">限時優惠低利信貸方案推薦</th>
</tr>
<tr>
<td style="width: 13%;"></td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div>
<p class="font_4" style="text-align: center;">渣打信貸限時優惠</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">滙豐信貸通路限定</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">台北富邦優惠信貸</p>
</td>
</tr>
<tr>
<td>
<p class="font_3">優惠利率</p>
</td>
<td>
<p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p>
</td>
<td>
<p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p>
</td>
<td>
<p class="font_4">首期0.01%，第2期起2.7%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">最高額?/p>
</td>
<td>
<p class="font_4">600?/p>
</td>
<td>
<p class="font_4">800?/p>
</td>
<td>
<p class="font_4">500?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">手續?/p>
</td>
<td>
<p class="font_4">0?/p>
<p class="font_4"><sub>(另有100元徵信費)</sub></p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">APR</p>
</td>
<td>
<p class="font_4">2.79%?/p>
</td>
<td>
<p class="font_4">2.46%?/p>
</td>
<td>
<p class="font_4">2.61%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">推薦原因</p>
</td>
<td>
<p class="font_4">有投保勞保即可申辦，且過件率?/p>
</td>
<td>
<p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p>
</td>
<td>
<p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p>
</td>
</tr>
<tr>
<td></td>
<td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td>
<td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td>
<td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td>
</tr>
</tbody>
</table>


<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">渣打銀?個人信貸</h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt="" class="wp-image-2055" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?.01%，第2期起2.88%~15.99%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：開辦?0 ??4,000?/li>



<li>總費用年百分率：2.79%~15.41%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿 20~64 歲本國國?/li>



<li>月收?NT$ 24,000 (?以上，具正職之上班族</li>



<li>如為企業負責人，需有營業登記且成立?年以?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>串聯mydata手機驗證即可，不用自行準備財力證明?/li>



<li>完成線上對保後，最?5 分鐘完成撥款?/li>



<li>7?4小時全年無休，假日也可撥款?/li>



<li>AlphaLoan會員限定好禮二選一，限時優惠~2/28?<ul class="wp-block-list">
<li>撥款<strong>?0萬元以上(未達新台?0萬元)</strong>並連續正常繳款達三個月(?以上且未提前清償者，享?strong>無期限momo?3000?/strong>」?/li>



<li>金額?strong>50萬元(不含)以上</strong>並正常繳款達三個月(?以上且未提前清償者，<strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一</strong>?/li>
</ul>
</li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px;height:auto"/></a></figure>
</div></div>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">滙豐銀?個人信貸</h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" class="wp-image-2054" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?0.01%，第2期起 2.54%~15.99%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：Alphaloan通路限定享綁約方案開辦費0?/li>



<li>總費用年百分率：2.46%~15.39%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿 18 ??55 歲信用正常之中華民國國民</li>



<li>年收?30 萬元以上?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>任一信用卡持?個月以上，信貸過件率高?/li>



<li>持有滙豐信用?個月以上，信貸過件率高?/li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">永豐銀?數時?/h3>
</div>



<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="158" src="//hu662.shop/blog/wp-content/uploads/2023/08/sinopac-永豐銀?logo-300-158.png" alt="" class="wp-image-2713" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首?0.01%，第2期起 2.51%~14.84%</li>



<li>貸款額度：最?00萬元</li>



<li>手續費：綁約60個月享手續費0元?/li>



<li>總費用年百分率：2.43%~15.66%</li>



<li>貸款期限：最??/li>



<li>申請條件?<ul class="wp-block-list">
<li>年滿18-60歲中華民國自然人?/li>



<li>信用正常，且有正當收入職業?/li>
</ul>
</li>



<li>推薦原因?<ul class="wp-block-list">
<li>專人聯繫快速，最?小時內聯絡?/li>



<li>貸款專員誠實，可參考專員提供的初步評估額度、利率後再決定是否申辦，不浪費聯徵次數?/li>



<li>有薪轉證明、無信用不良的人，普遍核貸利率低?/li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex">
<div class="wp-block-column is-layout-flow wp-block-column-is-layout-flow">
<h3 class="wp-block-heading">玉山銀?e指信貸AlphaLoan獨家方案</h3>
</div>



<div class="wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow">
<figure class="wp-block-image size-full is-resized"><img loading="lazy" decoding="async" width="300" height="69" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt="" class="wp-image-473" style="width:150px"/></figure>
</div>
</div>



<ul class="wp-block-list">
<li>貸款利率：首2期利?.01%，第3期起3.15%?/li>



<li>貸款額度：最?00萬元</li>



<li>手續費：2,000元起</li>



<li>總費用年百分率：3.21%~15.12%</li>



<li>貸款期限：最??/li>



<li>申請條件：成年之中華民國國民且有穩定收入?/li>



<li>推薦原因?<ul class="wp-block-list">
<li>AlphaLoan獨家方案，首2期年利率0.01%</li>



<li>玉山往來戶推薦，過件機率高</li>
</ul>
</li>
</ul>



<figure class="wp-block-image size-full is-resized"><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="289" height="82" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" class="wp-image-1840" style="width:150px"/></a></figure>
</div></div>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h2 class="wp-block-heading" id="信用貸款是什?>信用貸款專有名詞解析</h2>



<ul class="wp-block-list">
<li><strong>信用貸款利率</strong>：銀行信貸利率多以年利率方式呈現，最高不得超?6%，全台平均信貸利率大約是6.42%，優質客群最低可申請到年利率2%左右?lt;<a href="//hu662.shop/blog/396/creditloan-rate-reasonable/" data-type="post" data-id="396" target="_blank" rel="noreferrer noopener">信貸利率多少合理?/a>></li>



<li><strong>信用貸款額度</strong>：銀行信貸額度最高約600~800萬元，實際個人可申請額度則會依?a href="//hu662.shop/blog/542/dbr22/" data-type="post" data-id="542" target="_blank" rel="noreferrer noopener">DBR 22?/a>規定，不得超過平均月收入?2倍?/li>



<li><strong>信用貸款期限</strong>：信貸多屬短~中期貸款，最長貸款期限為5?60?~7?84??/li>



<li><strong>開辦?/strong>：又稱「手續費」、「帳戶管理費」等，大多為6,000~9,000元，但部分銀行享優惠方案手續?元?/li>



<li><strong>徵信?/strong>：查閱聯徵紀錄需繳交給聯徵中心的費用，大多銀行會自行吸收，部分銀行除了開辦費以外，額外酌?00~300元左右的徵信費?/li>



<li><strong>總費用年百分?APR)</strong>：將信貸的第一階段、第二階段利率，以及手續費等等其他費用加總計算而成的實質年利率?lt;<a href="//hu662.shop/blog/401/what-is-apr/" target="_blank" data-type="post" data-id="401" rel="noreferrer noopener">APR總費用年百分率是什麼？</a>></li>



<li><strong>限制清償?/strong>：俗稱信貸綁約期，限制清償期間內部可提前還款，需支付還款金額?%~4%違約金?lt;<a href="//hu662.shop/blog/600/advance-payments/" target="_blank" data-type="post" data-id="600" rel="noreferrer noopener">信貸可以提前還款嗎？</a>></li>
</ul>



<h2 class="wp-block-heading" id="信用貸款的申請流?>信用貸款的申請流程？</h2>



<p id="標準的信用貸款申請流?包含以下6個步?>標準的信用貸款申請流程，包含以下6個步驟：</p>



<ol class="wp-block-list">
<li>提出申請</li>



<li>銀?電話)照會</li>



<li>銀行審?/li>



<li>核貸結果通知與申?/li>



<li><a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保簽約</a></li>



<li>撥款使用</li>
</ol>



<p>整個流程走完，到實際拿到資金運用，大約需?~5個工作天，若是在網路上線上申請，最快只?天就能拿到資金，對急用錢的人來說非常方便?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234">信用貸款申請流程有哪些？多久才能拿到錢？[貸款流程圖]</a></pre>



<h2 class="wp-block-heading" id="信用貸款利常見問題q-a">信貸利率常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1644483127066" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 信用貸款的利率是多少?/h3>
<div class="rank-math-answer ">

<p>信用貸款的利率範圍是2.1%~16%之間，最新全台平均信貸利率大?.42%</p>

</div>
</div>
<div id="faq-question-1644483131350" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 信用貸款利率跟總費用年百分率有什麼不一樣？</h3>
<div class="rank-math-answer ">

<p>?strong>信用貸款利率</strong>」是申請信用貸款時，審核通過的利率?br />?strong>總費用年百分?/strong>」則是將貸款利率+二段式利?手續費等等其他費用綜合計算得出?/p>

</div>
</div>
<div id="faq-question-1644483135830" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 哪家銀行信用貸款利率最低？</h3>
<div class="rank-math-answer ">

<p>目前信用貸款利率最低的銀行是<a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener">凱基信用貸款</a>首期0.01%，第2?.18%起?/p>

</div>
</div>
</div>
</div>


<figure class="wp-block-table">
<table><tbody>
<tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td>
  <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a>
    </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td>
  
  </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸額度多少?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/508/correspondent-bank/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />迷思破?往來銀?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/848/on-lend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />轉增貸推薦銀?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/253/loan-requirement/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />必知7大信貸條?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/463/creditloan-trap/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />避開7大信貸陷?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/479/debt-consolidation-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />債務整合推薦銀?/a></td></tr>
  <tr>
<th colspan="3"><a href="//pse.is/5nl6wm" target="_blank" rel="noreferrer noopener">30秒取得個人信貸預測報告</a></th>
</tr>
</table></tbody>



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		<title>2025勞工保險紓困貸款1/10截止別擔心！銀行勞保貸款也能辦?/title>
		<link>//hu662.shop/blog/855/labor-loan/</link>
					<comments>//hu662.shop/blog/855/labor-loan/#comments</comments>
		
		<dc:creator><![CDATA[Coco Ting]]></dc:creator>
		<pubDate>Fri, 21 Feb 2025 05:50:43 +0000</pubDate>
				<category><![CDATA[信貸方案整理]]></category>
		<category><![CDATA[信貸小技巧]]></category>
		<category><![CDATA[勞保證明]]></category>
		<category><![CDATA[勞保貸款]]></category>
		<category><![CDATA[勞工貸款]]></category>
		<category><![CDATA[無薪轉貸款]]></category>
		<category><![CDATA[紓困貸款]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=855</guid>

					<description><![CDATA[最近物價節節攀升，生活成本越來越高，偏偏政府的勞保/勞工紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？沒有薪資證明的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款貸款的申請條件和取得低利率貸款的秘訣喔！]]></description>
										<content:encoded><![CDATA[
<p>最近物價節節攀升，生活成本越來越高，偏偏政府的勞保紓困貸款申請時間有限，而且申請資格也有一定門檻，並非人人都可申請，無法申請勞保紓困貸款該怎麼辦呢？只有勞保、沒?a href="//hu662.shop/blog/278/salary-statement/" data-type="post" data-id="278" target="_blank" rel="noreferrer noopener">薪資證明</a>的人也可以申請銀行勞保貸款喔！本篇除了說明政府的勞保紓困貸款內容和申請條件，還有銀行勞保貸款的申請條件和取得低利率貸款的秘訣喔?/p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4e3.png" alt="📣" class="wp-smiley" style="height: 1em; max-height: 1em;" />2025年政府的勞保紓困貸款辦理時間?strong>113?2?6日至114??0日止</strong>，來不及申請，但仍然有勞保貸款需求怎麼辦？別擔心，<a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan"><strong>銀行勞保貸?/strong></a>還是能辦喔！也可以參?lt;<a href="//hu662.shop/blog/265/credit-loan-rate/" data-type="post" data-id="265" target="_blank" rel="noreferrer noopener">23家銀行信貸利率完整比?/a>>找到低利率信貸！</pre>



<pre class="wp-block-verse">銀行勞保貸款推薦：<br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a>-首期0.01%，第2期起2.88%起，財力證明認列廣，勞健保投保明細也可以?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a>-首期0.01%，第2?.88%起，有勞保即可申辦，最?1 天核貸?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/46h94v" data-type="link" data-id="//pse.is/46h94v" target="_blank" rel="noreferrer noopener">玉山xAlphaLoan獨家方案</a>-??.01%，審核速度快、適合緊急資金需求?br><img src="//s.w.org/images/core/emoji/15.0.3/72x72/2b50.png" alt="? class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noreferrer noopener">富邦銀?/a>-首月0.01%，第2期起2.70%起，有富邦帳?信用卡過件機率高?br>(點銀行名稱即可快速申?</pre>



<h2 class="wp-block-heading">勞保貸款?種：勞工保險紓困貸款 vs 銀行勞保貸?/h2>



<figure class="wp-block-table"><table><tbody><tr><td>項目</td><td><strong>勞工保險紓困貸款</strong></td><td><strong>銀行勞保貸?/strong></td></tr><tr><td>貸款額度</td><td>最?0?/td><td>月收入的22?<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">詳細說明</a>)</td></tr><tr><td>貸款利率</td><td>2.165%</td><td>2.1%?/td></tr><tr><td>貸款期限</td><td>3?/td><td>最??/td></tr><tr><td>優點</td><td>1. 利率?br>2. 月付金低<br>3. 不需財力證明及信用證?/td><td>1. 利率?br>2. 額度?br>3. 申請流程簡單方便</td></tr><tr><td>缺點</td><td>1. 申請條件限制<br>2. 勞保年資?5年以?br>3. 申請時間限制<br>4. 額度限制</td><td>1. 需提出財力證明<br>2. 信用狀況良?br>3. 利率&額度依個人條件變化?/td></tr><tr><td></td><td><a href="#policy-labor" data-type="internal" data-id="#policy-labor">查看詳細資訊</a></td><td><a href="#labor-bank" data-type="internal" data-id="#labor-bank"><img loading="lazy" decoding="async" width="150" height="43" class="wp-image-1841" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt=""></a></td></tr></tbody></table></figure>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<h2 class="wp-block-heading" id="policy-labor">政府勞保貸款-勞工保險紓困貸款</h2>



<p>政府的勞工保險被保險人紓困貸款，又稱「勞工紓困貸款」、「勞保紓困貸款」，只有在每年的年初開放申請?025年的勞工紓困貸款申請期間是：2024/12/26(?~2025/1/10(?止，總共只有11個工作天的時間可以申請，超過這段期間就不能辦理，若急需用錢的人，建議申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">銀行勞?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">?/a><a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan" target="_blank" rel="noreferrer noopener">?/a>幫你度過難關！另外最新年度的勞保紓困貸款利率調整?strong>2.165%</strong>?/p>



<p>政府的勞保紓困貸款是<strong>由土地銀行承?/strong>，雖然利率很低，而且前半年還有寬限期，可以只繳息不還本，但申請條件也有限制，最少就要參加勞工保險年資滿15年，剛加入職場不久的職場新鮮人根本沒辦法申請，而且額度最高只?0萬，需求金額更大的話，就要改申?a href="#bank-labor-loan" data-type="internal" data-id="#bank-labor-loan">銀行勞保貸?/a>?/p>



<h3 class="wp-block-heading">114?2025勞工保險紓困貸款申請時間</h3>



<p>申請期間?13?2?6日（星期四）?14??0日（星期五）歀?/p>



<ul class="wp-block-list">
<li>線上申請?13?2?6日（星期四）早上8時至114??0日（星期五）24時止?/li>



<li>臨櫃申請?13?2?6日（星期四）?14??0日（星期五）?依政府行政機關辦公日曆表之每上班日上?時至下午5時止)?/li>



<li>郵遞申請?13?2?6日（星期四）?14??0日（星期五）?以郵戳為??/li>
</ul>



<p>若要臨櫃辦理勞保紓困貸款，扣掉國定例假日僅有11天時間，建議可以網路或是郵遞申請，時間上較充裕喔~</p>



<h3 class="wp-block-heading">勞保紓困貸款資格&文件</h3>



<p><strong>申請資格</strong></p>



<ol class="wp-block-list">
<li>生活困難需要紓困?/li>



<li>參加勞工保險年資?5年（計算至受理截止日114??0日止）?/li>



<li>無欠繳勞工保險費及滯納金?/li>



<li><strong>未曾</strong>借貸勞保紓困貸款，或曾借貸<strong>已繳?/strong>貸款本金及利息?/li>



<li><strong>?/strong>請領老年給付、終身無工作能力之失能給付或向其所屬機關請領勞工保險補償金者?/li>
</ol>



<p id="doc"><strong>申請文件</strong></p>



<ol class="wp-block-list">
<li>申請?<a href="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" target="_blank" data-type="link" data-id="//www.landbank.com.tw/File/Get/1a60a3ff-ae8a-4cb9-82c8-56f77b135441" rel="noreferrer noopener">下載</a>)</li>



<li>掛號回郵信封（填妥收件人姓名、住址，並貼足郵票）?/li>



<li>被保險人印章?/li>



<li>未在土地銀行開立存款帳戶者，請攜帶被保險人身分證正本及正、背面影?份，以及健保卡（或駕照）正本及正、背面影?份。辦理存款開戶?/li>



<li>已在土地銀行開立存款帳戶者，請攜帶存摺及被保險人身分證正本及正、背面影?份?/li>



<li>委託親屬辦理者：請攜?1)委託書?2)醫療機構出具之相關證明文件?3)戶口名簿(或其他足資證明被保險人與受託人親屬關係之文件)，及(4)受託人印章、身分證正本及正、背面影?份。等到貸款核定通過後，再由本人檢齊相關文件（參?~5文件），親自到原申請分行辦理簽約對保及撥款手續?/li>
</ol>



<p>還沒有土地銀行帳戶的人，要記得先去申辦土銀帳戶喔！</p>



<h3 class="wp-block-heading">勞保紓困貸款申請方式</h3>



<p>勞保/勞工紓困貸款申請方式總共?種，分為臨櫃申請、線上申請和郵遞申請?/p>



<ul class="wp-block-list">
<li><strong>臨櫃申請</strong>：被保險人應於受理申請期間填妥申請書，並<a href="#doc" data-type="internal" data-id="#doc">檢齊相關文件</a>，親自向土地銀行所屬分行或其委託之金融機構提出申請。且於簽立貸款契約書，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li>



<li><strong>網路線上申請</strong>：被保險人應於受理申請期間點?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款申請專頁→申請，依序填妥申請資料，並完成網路簽約及<a href="//hu662.shop/blog/308/make-agreement/" data-type="post" data-id="308">對保手續</a>，網路申請受理後即以Email回傳受理成功訊息，完成網路申請手續，貸款資格經審核通過後，由代辦銀行逕將款項撥入帳戶?/li>



<li><strong>郵遞申請</strong>：被保險人應於受理申請期間填妥申請書，並檢附身分證影本，以掛號郵寄至土地銀行所屬分行，經查詢核定通過或收到通知後，於核定日?0日內檢齊<a href="#doc" data-type="internal" data-id="#doc">相關文件</a>，親自到原申請之分行或金融機構辦理簽約、對保及撥款手續，逾期未辦理者視同放棄?<ul class="wp-block-list">
<li>如何查詢是否通過審核?a href="//www.landbank.com.tw/" target="_blank" rel="noreferrer noopener">土地銀行入口網?/a>?14年勞工保險被保險人紓困貸款→查詢網頁</li>



<li>114年度土地銀行新設計?a href="//oi.landbank.com.tw/labor" target="_blank" data-type="link" data-id="//oi.landbank.com.tw/labor" rel="noreferrer noopener">勞工紓困貸款的專門網頁</a>，也可以嘗試使用?/li>
</ul>
</li>
</ul>



<h3 class="wp-block-heading">勞保紓困貸款額度、利?/h3>



<ul class="wp-block-list">
<li>貸款期間??/li>



<li>貸款額度：每人最?0萬元?/li>



<li>貸款利率?.04%，之後由勞動部勞工保險局報勞動部於每?月及7月調?/li>
</ul>



<h3 class="wp-block-heading">勞保紓困貸款還款方式.每月要還多少?/h3>



<p>勞保紓困貸款?個月按月付息不還本，自第7個月起按月平均攤還本息，由借款人之土地銀行存款帳戶按月扣繳貸款本息?/p>



<p>以借款10萬元計算，按目前利率(2.165%)?個月每月需繳利?80元，自第7個月開始每月繳本?,427元?/p>
</div></div>
</div></div>



<h2 class="wp-block-heading" id="bank-labor-loan">銀行勞保貸?/h2>



<p>銀行勞保貸款的勞保貸款其實也是信用貸款的一種，因此<a href="//hu662.shop/blog/253/loan-requirement/" data-type="post" data-id="253" target="_blank" rel="noreferrer noopener">申請條件</a>?a href="//hu662.shop/blog/234/loan-time/" data-type="post" data-id="234" target="_blank" rel="noreferrer noopener">流程</a>都和一般信用貸款一模一樣，差別在於，銀行勞保貸款是以勞保異動明細當作財力證明申請的信用貸款，就算是沒有薪轉證明的人也可以申請?/p>



<p>台灣有很多中小企業因公司規模較小，因此常常是公司的行政會計以公司帳戶或是老闆個人帳戶「轉帳」的方式發薪水，審核較嚴格的銀行是無法完全當作薪轉證明，更不用說有些公司時直接發放現金，工作薪水會更難認列在財力證明內，因此選擇以勞保異動明細當作財力證明?/p>



<p>補充說明小提醒，很多人會有疑問：「保工會可以貸款嗎？」，其實勞保要由公司投保才算是「有勞保」，如果是在工會投保勞保，銀行會不認列為財力證明喔！政府規定5人以下小公司，不強制投保勞健保，有些公司就會幫員工在工會投保，因此要注意自己的勞保是在公司投保，還是在工會投保?<a href="//hu662.shop/blog/667/non-salary-loan/" data-type="post" data-id="667" target="_blank" rel="noreferrer noopener">無薪轉、領現金可以申請貸款嗎？7步驟有效提高貸款成功率！</a></p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h3 class="wp-block-heading">銀行勞保貸款申請條?/h3>



<ol class="wp-block-list">
<li>中華民國國民且年?8?/li>



<li>工作穩定，年資至少半年以?/li>



<li>財力狀況良?判斷依據?a href="//hu662.shop/blog/271/financial-statement/" data-type="post" data-id="271">財力證明要怎麼準備?/a>)</li>



<li>信用狀況良?判斷依據?a href="//hu662.shop/blog/374/credit-level/" data-type="post" data-id="374">信用評分標準是多少？</a>)</li>
</ol>



<h3 class="wp-block-heading">銀行勞保貸款額度、利?/h3>



<ul class="wp-block-list">
<li>貸款期間：最??/li>



<li>貸款額度：最?00?/li>



<li>貸款利率?.1%?/li>



<li>申辦手續費：6,000~9,000元，最?元起</li>
</ul>



<pre class="wp-block-verse">你最多可以申請到多少信用貸款？用負債比快速計算貸款額度上限：<a href="//hu662.shop/blog/292/dbr/" data-type="post" data-id="292" target="_blank" rel="noreferrer noopener">負債比率是什麼？負債比如何計算？3大公式快速核?/a></pre>



<h3 class="wp-block-heading" id="labor-bank">勞保貸款銀行推?/h3>



<figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td><strong>勞保貸款推薦銀?/strong></td><td><strong>貸款方案基本資料</strong></td><td><strong>推薦原因</strong></td></tr><tr><td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="75" class="wp-image-493" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/kgi-logo.png" alt=""></a><br>凱基銀行Alpha Loan專屬限時信貸<br><a href="//pse.is/4253kz" data-type="URL" data-id="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt=""></a></td><td>年利率：首月0.01%，第2個月?.18%?br>手續費：NT{mayi_title} ?br>貸款額度：最?000?/td><td>貸款期限最?0年，每月負擔較低，過件率相對最高?/td></tr><tr><td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="79" class="wp-image-2055" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" alt=""></a><br>渣打銀行優惠信?br><a href="//pse.is/43ksl9" data-type="link" data-id="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>過件率和利率都相對較優。用MyData 24H線上申請，最快對保後5分鐘撥款?/td></tr><tr><td><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="41" class="wp-image-850" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/08/hsbc-滙豐銀?logo.png" alt=""></a><br>滙豐銀行優惠信?br><a href="//pse.is/42mywl" target="_blank" data-type="link" data-id="//pse.is/42mywl" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首期0.01%，第2?.88%?br>手續費：NT$ 0?br>貸款額度：最?00?/td><td>有勞保即可申辦，24 小時線上申辦，最?1 天核貸?/td></tr><tr><td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="150" height="35" class="wp-image-473" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/玉山logo.png" alt=""></a><br>玉山銀行e指信貸xAlphaLoan獨家方案<br><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt=""></a></td><td>年利率：??.01%，第3期起3.15%?br>手續費：NT$2,000?br>貸款額度：最?00?/td><td>審核速度快、標準較寬鬆，適合有緊急資金需求的人?/td></tr><tr><td><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="150" height="31" class="wp-image-619" style="width: 150px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/富邦logo.png" alt=""></a><br>富邦銀行AlphaLoan限定專案<br><a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/47dkub" target="_blank" rel="noopener"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-484" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2022/04/AlphaLoan立即申請按鈕.png" alt="apply now"></a></td><td>年利率：首月0.01%，第2期起2.7%?br>手續費：NT$ 0 ?br>貸款額度：最?00?/td><td>有富邦信用卡或帳戶，過件機率高、利率相對低</td></tr></tbody></table></figure>



<h3 class="wp-block-heading">取得低利率銀行勞保貸款的秘訣</h3>



<h4 class="wp-block-heading">培養良好信用</h4>



<p>貸款申請人的工作收入是領現金對銀行來說風險比較高，既然工作狀態沒辦法說改就改，那麼培養出良好長期信用紀錄，就是必須要做的功課，貸款申請人有良好的信用紀錄對銀行來說風險就會比較低，風險低就比較容易申請到滿意的貸款?/p>



<p>培養信用最簡單的方式就是申請一張信用卡，並正確長期使用，每期卡費都全額繳清，不繳最低應繳金額、不使用預借現金等等，都能有效提升信用，申請貸款也會比較簡單喔?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/577/increase-credit-score/" target="_blank" data-type="post" data-id="577" rel="noreferrer noopener">如何培養信用？培養信用的9大方法讓貸款更簡?/a></pre>



<h4 class="wp-block-heading">選對銀行信貸方?/h4>



<p>銀行信用貸款方案有很多種，而且也不是每家銀行都會借錢給沒有薪轉證明的人，因此選對銀行就非常重要，再加上聰明利用以上說明的方式展現自己的優勢，就更有機會申請到滿意的貸款方案，像是AlphaLoan實貸比較網的使用?a href="//blog.hu662.shop/24108-%e4%bf%a1%e8%b2%b8%e7%94%b3%e8%b2%b8%e6%a1%88%e4%be%8b60%ef%bc%9a%e7%8f%be%e9%87%91%e6%94%b6%e5%85%a5%e6%80%8e%e9%ba%bc%e8%be%a6%ef%bc%9f%e8%8a%b1%e6%97%97%e5%8d%a1%e5%8f%8b%e6%a0%b8%e8%b2%b8" target="_blank" rel="noreferrer noopener">工程師陳先生</a>，雖然工作是領現金收入，但充分運用自身現有的優勢條件，仍然成功核貸，申請到一筆貸款度過現有難關，利用<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">AlphaLoan實貸比較?/a>一次比較多家銀行，找到最適合的信貸方案?/p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>

<table>
<tbody>
<tr>
<th colspan="4">信貸利率比較?/th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%-16.78% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan 專屬限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.19%-15.1% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
</tbody>
</table>


<h2 class="wp-block-heading">勞保貸款常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1660014914726" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 勞保紓困貸款額度是多少？勞保貸款30萬方?/h3>
<div class="rank-math-answer ">

<p>政府勞保紓困貸款額度最高是10萬元，再加上申請銀行勞保貸?0萬元，就能成功申請到勞保貸款30萬喔?/p>

</div>
</div>
<div id="faq-question-1660014918386" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 銀行勞保貸款好過嗎?/h3>
<div class="rank-math-answer ">

<p>銀行勞保貸款其實是以勞保異動明細作為財力證明的信用貸款，並非每家銀行都能申請，需慎選銀行，?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">信貸比較網站</a>就能快速找到銀行勞保貸款?/p>

</div>
</div>
<div id="faq-question-1663129527849" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 保工會可以貸款嗎?/h3>
<div class="rank-math-answer ">

<p>通常以「勞保異動明細」當作主要財力證明的話，必須是要由公司投保才會認列，如果是自己去工會保勞保，就很難當作財力證明，頂多當作補充資訊喔?/p>

</div>
</div>
<div id="faq-question-1734691735902" class="rank-math-list-item">
<h3 class="rank-math-question ">Q4. 114年勞保紓困貸款可以向哪家銀行申請？</h3>
<div class="rank-math-answer ">

<p>勞保紓困貸款由土地銀行承辦，土地銀行客服專線（02?314-6633，有任何問題也可以向勞保局服務專線?2?396-1266洽詢?/p>

</div>
</div>
</div>
</div>


<hr class="wp-block-separator has-alpha-channel-opacity is-style-wide"/>



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]]></content:encoded>
					
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			<slash:comments>64</slash:comments>
		
		
			</item>
		<item>
		<title>2025車貸利率多少合理?種車子貸款利率比較給你看，最低利車貸是這種?/title>
		<link>//hu662.shop/blog/735/car-loan-rate/</link>
					<comments>//hu662.shop/blog/735/car-loan-rate/#respond</comments>
		
		<dc:creator><![CDATA[Coco Ting]]></dc:creator>
		<pubDate>Fri, 21 Feb 2025 02:47:21 +0000</pubDate>
				<category><![CDATA[信貸小知識]]></category>
		<category><![CDATA[信貸買車]]></category>
		<category><![CDATA[汽車貸款]]></category>
		<category><![CDATA[現金買車]]></category>
		<category><![CDATA[車子貸款]]></category>
		<category><![CDATA[車貸利率]]></category>
		<guid isPermaLink="false">//hu662.shop/blog/?p=735</guid>

					<description><![CDATA[汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此汽車貸款跟房屋貸款不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是中古車，額度就更低了，那麼車貸利率多少合理？用車貸買車比較好還是用信貸買車比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！]]></description>
										<content:encoded><![CDATA[
<p>汽車不像房地產具保值、增值的價值，就算是新車，只要一掛牌、一落地，就免不了持續貶值，因此<a href="//hu662.shop/blog/1056/car-loan/" data-type="post" data-id="1056" target="_blank" rel="noreferrer noopener">汽車貸款</a>?a href="//hu662.shop/blog/1693/mortgage-requirement/" data-type="post" data-id="1693" target="_blank" rel="noreferrer noopener">房屋貸款</a>不同，汽車貸款利率就會比較高一點，且額度最多申請到新車車價?成，若是<a href="//hu662.shop/blog/777/used-car-loan/" target="_blank" data-type="post" data-id="777" rel="noreferrer noopener">中古車貸?/a>，額度就更低了，那麼車貸利率多少合理?strong>用車貸買?/strong>比較好還?strong>用信貸買?/strong>比較好呢？本篇全方位幫你解析，還會教你判斷要申請車貸還是信貸喔！</p>



<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f525.png" alt="🔥" class="wp-smiley" style="height: 1em; max-height: 1em;" /><a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">富邦信貸</a>新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a></pre>



<h2 class="wp-block-heading">車貸利率多少合理?種車貸利率一次看</h2>



<figure class="wp-block-table"><table class="has-fixed-layout"><tbody><tr><td></td><td><strong>車貸利率</strong></td><td><strong>車貸額度</strong></td><td><strong>車貸期限</strong></td></tr><tr><td><strong>新車貸款</strong></td><td>2.93%~6.5%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>中古車貸?/strong></td><td>3.2%~12%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>原車貸款融資</strong></td><td>5.75%~13%</td><td>40萬~1,000萬元</td><td>最?5~7?/td></tr><tr><td><strong>民間汽車貸款</strong></td><td>8%~16%</td><td>最?50?/td><td>最?5~6?/td></tr><tr><td><strong>電動車貸?/strong>*</td><td>2.52%~16%</td><td>最?00萬~500?/td><td>最?5~7?/td></tr></tbody></table></figure>



<p>*電動車貸款為新型態車貸，不須設定汽車抵押，僅憑電動車買買合約即可申請?/p>


<table class="blogtable">
<tbody>
<tr>
<th colspan="4">限時優惠低利信貸方案推薦</th>
</tr>
<tr>
<td style="width: 13%;"></td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img decoding="async" src="//hu662.shop/blog/wp-content/uploads/2023/06/渣打logo-中文-300-158.png" width="100%" /></div>
<p class="font_4" style="text-align: center;">渣打信貸限時優惠</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone wp-image-2054 size-full" src="//hu662.shop/blog/wp-content/uploads/2023/06/hsbc-滙豐銀?logo-300-158.png" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">滙豐信貸通路限定</p>
</td>
<td style="width: 29%; text-align: center;">
<div class="blogCard"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-4956" src="//hu662.shop/blog/wp-content/uploads/2023/12/富邦logo-300-158.jpg" alt="" width="300" height="158" /></div>
<p class="font_4" style="text-align: center;">台北富邦優惠信貸</p>
</td>
</tr>
<tr>
<td>
<p class="font_3">優惠利率</p>
</td>
<td>
<p class="font_4"><span class="priceTag"><span style="font-weight: 400;">首期0.1</span>%</span>，第2期起2.88%?/p>
</td>
<td>
<p class="font_4">首期<span class="priceTag">0.01%</span>，第2期起2.54%?/p>
</td>
<td>
<p class="font_4">首期0.01%，第2期起2.7%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">最高額?/p>
</td>
<td>
<p class="font_4">600?/p>
</td>
<td>
<p class="font_4">800?/p>
</td>
<td>
<p class="font_4">500?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">手續?/p>
</td>
<td>
<p class="font_4">0?/p>
<p class="font_4"><sub>(另有100元徵信費)</sub></p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
<td>
<p class="font_4">通路限定 0 ?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">APR</p>
</td>
<td>
<p class="font_4">2.79%?/p>
</td>
<td>
<p class="font_4">2.46%?/p>
</td>
<td>
<p class="font_4">2.61%?/p>
</td>
</tr>
<tr>
<td>
<p class="font_3">推薦原因</p>
</td>
<td>
<p class="font_4">有投保勞保即可申辦，且過件率?/p>
</td>
<td>
<p class="font_4">信用卡持?個月以上即可申辦，有穩定薪轉利率?/p>
</td>
<td>
<p class="font_4">有勞健保即可申請，富邦往來戶利率相對?/p>
</td>
</tr>
<tr>
<td></td>
<td><a class="blogBtn" href="//pse.is/5c3gv4" target="_blank" rel="noopener">立即申請</a></td>
<td><a href="//pse.is/5d92a7" target="_blank" rel="noopener">立即申請</a></td>
<td><a class="blogBtn" href="//pse.is/67axm7" target="_blank" rel="noopener">立即申請</a></td>
</tr>
</tbody>
</table>


<pre class="wp-block-verse"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" />渣打信貸限時優惠<img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f389.png" alt="🎉" class="wp-smiley" style="height: 1em; max-height: 1em;" /> <br>貸款年利率首期利?<strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">0.01%</mark></strong>，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color"><strong>600?/strong></mark>；即日起~2025/2/28止透過 <a href="//pse.is/5ca63k" target="_blank" rel="noreferrer noopener">AlphaLoan 專屬連結</a>申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">享通路限定好禮</mark></strong>?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法</a>?/pre>



<h2 class="wp-block-heading">3種汽車貸款利率比?/h2>



<h3 class="wp-block-heading">銀行購?新車/中古?貸款</h3>



<ul class="wp-block-list">
<li>貸款利率最低，<strong>?.93%?/strong></li>



<li>購車時申辦的汽車貸款</li>



<li>新車有機會以0利率方案購車</li>



<li>需評估信用狀況，若有信用瑕疵會較難申請?/li>
</ul>



<h3 class="wp-block-heading">銀行原車貸款融?/h3>



<ul class="wp-block-list">
<li>貸款利率中等?strong>?.75%?/strong></li>



<li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li>



<li>需評估信用狀況，若有信用瑕疵會較難申請?/li>



<li>也會評估申請人財力狀況，<a href="//hu662.shop/blog/292/dbr/" target="_blank" data-type="post" data-id="292" rel="noreferrer noopener">負債?/a>會不會太高等?/li>
</ul>



<h3 class="wp-block-heading">資融公司汽車貸款</h3>



<ul class="wp-block-list">
<li>貸款利率最高，<strong>?%?/strong></li>



<li>以自有車申請貸款，原有車貸還沒還完也可進行增貸?/li>



<li>信用條件較差也能申貸，審核快速、核貸機率高?/li>



<li>須注意還款計畫以及貸款利率是否太高，總還款利息超出預期?/li>
</ul>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/1056/car-loan/" target="_blank" data-type="post" data-id="1056" rel="noreferrer noopener">汽車貸款懶人包|車貸該怎麼選？汽車貸款條件.利率.額度.注意事項5分鐘搞懂</a></pre>



<h2 class="wp-block-heading">車貸vs信貸 哪種貸款利率比較低？</h2>



<figure class="wp-block-table"><table><tbody><tr><td></td><td><strong>信用貸款</strong></td><td><strong>汽車貸款</strong></td></tr><tr><td>利率</td><td>2.1%?/td><td>2.93%~13%</td></tr><tr><td>額度</td><td>個人月收入的22?註：<a href="//hu662.shop/blog/542/dbr22/" target="_blank" data-type="post" data-id="542" rel="noreferrer noopener">DBR 22?/a>)</td><td>依購入車款年分、車價評?/td></tr><tr><td>手續?/td><td>3,000~6,000?/td><td>?,000?/td></tr><tr><td>期限</td><td>最??/td><td>最??/td></tr><tr><td>申辦流程</td><td>平均3~5?/td><td>平均7~10?/td></tr><tr><td>購車優惠</td><td>約等同現金購車，議價空間較大</td><td>議價空間較小</td></tr><tr><td>賣車便利?/td><td>無貸款汽車，賣車較便?/td><td>車貸車較難自行銷?/td></tr><tr><td>擔保?/td><td>不需抵押擔保?/td><td>以汽車作為擔保品</td></tr></tbody></table></figure>



<p>車貸信貸好像各有優勢，那麼應該要選擇哪種貸款方式呢？以下提供3個決定性問題，幫你判斷你應該選擇哪種貸款：</p>



<ol class="wp-block-list">
<li>需要貸款的額度是多少？需要額度＜平均月收入?0→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li>



<li>現金買車優惠有多少？優惠價差少於車貸總利息→申請汽車貸款</li>



<li>未來5年內是否會換?賣車?年內大多還未還清車貸，若要賣車的話會較難自行銷售→申?a href="//hu662.shop/personal-loan-analysis" target="_blank" data-type="link" data-id="//hu662.shop/personal-loan-analysis" rel="noreferrer noopener">信用貸款</a></li>
</ol>


<div class="wp-block-image">
<figure class="aligncenter size-full"><a href="//hu662.shop/?utm_source=blog&utm_medium=cta&utm_campaign=202406" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" width="970" height="250" src="//hu662.shop/blog/wp-content/uploads/2024/06/2024_06_Alphaloan-blog_CTA.gif" alt="" class="wp-image-4816"/></a></figure></div>


<h3 class="wp-block-heading">低利率信貸統整表</h3>



<div class="wp-block-group"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained">
<table>
<tbody>
<tr>
<th colspan="4">信貸利率完整比較</th>
</tr>
<tr>
<td style="width: 20%;">銀?/td>
<td style="width: 20%;">信貸方案</td>
<td style="width: 20%;">信貸利率</td>
<td style="width: 40%;">總費用年百分?/td>
</tr>
<tr>
<td><a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">渣打銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.79%~15.41% <a href="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/43ksl9"><img loading="lazy" decoding="async" width="100" height="28" class="wp-image-1841" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_animation_Button_1.gif" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener">滙豐銀?/a></td>
<td>個人信貸</td>
<td>0.01%?/td>
<td>2.46%~15.39% <a href="//pse.is/42mywl" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/47dkub" target="_blank" rel="noopener">台北富邦</a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.61%~14.41%<a href="//pse.is/47dkub" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">永豐銀?/a></td>
<td><a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener">數時?/a></td>
<td>0.01%?/td>
<td>2.43%~15.66% <a href="//pse.is/4dlq8y" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4253kz">凱基銀?/a></td>
<td>AlphaLoan限時信貸</td>
<td>0.01%?/td>
<td>2.11%~16.78% <a href="//pse.is/4253kz" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/46h94v">玉山銀?/a></td>
<td>e指信貸AlphaLoan獨家方案</td>
<td>0.01%?/td>
<td>3.21%~15.12% <a href="//pse.is/46h94v" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/44rqdh">中國信託</a></td>
<td>online?/td>
<td>0.01%?/td>
<td>3.33%~14.87% <a href="//pse.is/44rqdh" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener">台新銀?/a></td>
<td>Richart信貸</td>
<td>2.1%?/td>
<td>2.1%~15% <a href="//pse.is/4tth2c" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener">王道銀?/a></td>
<td>一般信?/td>
<td>2.25%?/td>
<td>3.06%~16.93% <a href="//pse.is/4f5glm" target="_blank" rel="noreferrer noopener" data-type="URL" data-id="//pse.is/4f5glm"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5sd9ex" target="_blank" rel="noopener">聯邦銀?/a></td>
<td>鈔期?/td>
<td>0.01%?/td>
<td>2.42%~14.45%<a href="//pse.is/5sd9ex" target="_blank" rel="noreferrer noopener"><img decoding="async" width="100" height="28" class="wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5pbzye" target="_blank" rel="noopener">Bankee</a></td>
<td>一般信?/td>
<td>2.23%?/td>
<td>2.36%~14.12%<a href="//pse.is/5pbzye" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">Bankee</a></td>
<td><a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener">挑戰型信?挑戰成功50%回饋</a></td>
<td>4%?/td>
<td>5.23%~15.34%<a href="//pse.is/5hysjf" target="_blank" rel="noreferrer noopener"><img loading="lazy" decoding="async" class="alignnone wp-image-1840" style="width: 100px;" src="//hu662.shop/blog/wp-content/uploads/2023/05/CTA_Button_1.png" alt="" width="289" height="82" /></a></td>
</tr>
<tr>
<td>國泰世華</td>
<td>泰幸福信?/td>
<td>1.88%?/td>
<td>5.99%~16.08%</td>
</tr>
<tr>
<td>樂天國際銀?/td>
<td>樂天?分期?</td>
<td>2.08%?/td>
<td>2.17%~15.72%</td>
</tr>
<tr>
<td>LINE Bank</td>
<td>分期信貸</td>
<td>3.18%?/td>
<td>3.35%~16.43%</td>
</tr>
<tr>
<td>遠東商銀</td>
<td>Online信貸</td>
<td>2.01%?/td>
<td>2.32%~14.98%</td>
</tr>
<tr>
<td>新光銀?/td>
<td>個人信貸</td>
<td>0.68%?/td>
<td>3.21%~15.61%</td>
</tr>
<tr>
<td>華南銀?/td>
<td>優質?/td>
<td>2.73%?/td>
<td>3.451%~14.682%</td>
</tr>
<tr>
<td>上海商銀</td>
<td>個人信貸</td>
<td>1.99%?/td>
<td>3.45%~12.03%</td>
</tr>
<tr>
<td>國泰世華</td>
<td>大樹速貸</td>
<td>3.33%?/td>
<td>4.01%~17.09%</td>
</tr>
<tr>
<td>土地銀?/td>
<td>一般信用貸?/td>
<td>4%?/td>
<td>4.73%?.79%</td>
</tr>
<tr>
<td>台灣企銀</td>
<td>e網貸貸款</td>
<td>2.62%?/td>
<td>4.525%?/td>
</tr>
<tr>
<td>陽信銀?/td>
<td>一般個人信用貸款</td>
<td>1.88%?/td>
<td>5.55%~8.57%</td>
</tr>
<tr>
<td>台北富邦銀?/td>
<td>上班族信?/td>
<td>4.01%?/td>
<td>5.26%~16.37%</td>
</tr>
<tr>
<td>合作金庫</td>
<td>優職優利信用貸款</td>
<td>2.105%?/td>
<td>3.65%~8.99%</td>
</tr>
</tbody>
</table>
</div></div>



<h2 class="wp-block-heading">影響汽車貸款利率3大因?/h2>



<h3 class="wp-block-heading">財力證明</h3>



<p>財力證明主要看的是，未來有沒有能力如期還款，若工作未?個月，申請車貸很容易不通過，年資越久、收入越高，申請車貸的利率也就越低，收入越穩定的職業，當然車貸利率也會越低，像是一般內勤員工就會比領獎金業務人員較容易申請到低利貸款?/p>



<p>如果你的工作收入沒那麼亮眼，也可以提供其他的財力證明增加籌碼，像是股票基金對帳單、定存單、房地產所有權狀等等，如果你是年終獎金或業績獎金佔薪水比例大，年收入÷12的平均月收入遠大於一般月薪的話，也可以提供扣繳憑單當作財力證明，也會比較有優勀?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/271/financial-statement/" target="_blank" data-type="post" data-id="271" rel="noreferrer noopener">財力證明要怎麼準備?大財力證明一次搞?/a></pre>



<h3 class="wp-block-heading">信用證明</h3>



<p>影響汽車貸款利率的重要因素之一就是個人的信用狀況，也就是聯徵紀錄好不好，很多人以為沒有信用卡、沒有欠銀行任何錢，就代表信用很好，其實不是這樣的，沒有信用卡就代表沒有任何信用紀錄，既然沒有紀錄，怎麼會知道信用好不好呢！所以申辦一張信用卡，並且正確、良好的使用，才能培養出好信用！不知道要辦哪張信用卡比較好嗎?a href="//www.fincake.co/cards" data-type="link" data-id="//www.fincake.co/cards" target="_blank" rel="noreferrer noopener">fincake平台</a>幫你依照你的消費情況，分析最適合的信用卡給你?/p>



<p>正確的信用卡使用習慣包含，每個月都準時全額繳清信用卡帳單，沒有遲繳也不只繳最低應繳金額，不使用信用卡循環利息等等，另外也要定期查看自己的個人信用報告，看一下自己的聯徵紀錄如何：<a href="//hu662.shop/blog/334/jcic-report/" data-type="post" data-id="334" target="_blank" rel="noreferrer noopener">聯徵是什麼？聯徵紀錄詳細解?申請方式3分鐘搞懂</a>?/p>



<h3 class="wp-block-heading">貸款方式</h3>



<p>貸款方式也會大大影響到你申請車貸的利率是多少，如果是購車時申辦的汽車貸款，那麼利率最低只?.93%起，但如果是購車時的車貸還沒還完，想再次申請的原車貸款融資，最低就來到5.75%起，如果是一般上班族，信用狀況正常的話，還不如申請信用貸款，利率只要2.1%起，汽車貸款利率最高的就是資融公司的汽車貸款，最高利率要16%?/p>



<h2 class="wp-block-heading">車貸利率3大注意事?/h2>



<h3 class="wp-block-heading">確認貸款合約內容</h3>



<p>對保的時候，一定要確認貸款合約的內容，像是貸款金額有多少？貸款利率是多少？貸款期限有多久？還款方式是什麼？轉帳還款或是去超商繳費也可以嗎？有沒有特殊條件？……等等，貸款合約內的細節要確認清楚，有任何問題也要當場提出，簽名用印之後想再反悔或修改都已經來不及了?/p>



<pre class="wp-block-verse">延伸閱讀?a href="//hu662.shop/blog/245/cancel-loan/" data-type="post" data-id="245" target="_blank" rel="noreferrer noopener">銀行貸款對保後反悔要付違約金？貸款審核通過以後可以取消嗎？</a></pre>



<h3 class="wp-block-heading">確認貸款利率</h3>



<p>貸款利率要確認是年利率還是月利率？如果是向銀行申請汽車貸款，告訴你的利率都會是年利率，但如果是民間借貸的話則很有可能會不說明清楚，讓你誤以為利率很低，民法規定年利率最高不得超?6%，超過上限的話可以拒絕支付超出的利息?/p>



<p>另外也要確認之後的月付金是可以負擔的範圍，若是明知道之後的月付金太高，有可能會付不出來，卻還是因為眼前的緊急情況仍然簽下貸款合約，不但沒辦法解決問題，還會造成更大的財務破洞?a href="//hu662.shop/blog/826/debt-negotiation/" target="_blank" data-type="post" data-id="826" rel="noreferrer noopener">債務協商=破產？債務協商和債務整合哪裡不一樣？後果.流程一次看</a></p>



<h3 class="wp-block-heading">有無「限制清償期?/h3>



<p>限制清償期是指在約定期間內不可以提前多還款，是銀行為了確保可以賺到預期利息而設計的約定期限，多數汽車貸款都會有限制清償期約18~24期，如果只是想要短期周轉，下個月就可以還掉貸款的話，可能就不太適合申請汽車貸款。或是選擇付較高的貸款手續費申請無限制清償期方案?/p>



<p>延伸閱讀?a href="//hu662.shop/blog/1030/contract-period/" target="_blank" rel="noreferrer noopener">貸款綁約意思是什麼？貸款綁約好嗎？綁約要綁多久？</a></p>



<h2 class="wp-block-heading">車貸利率常見問題Q&A</h2>


<div id="rank-math-faq" class="rank-math-block">
<div class="rank-math-list ">
<div id="faq-question-1656059491463" class="rank-math-list-item">
<h3 class="rank-math-question ">Q1. 車貸利率多少合理?/h3>
<div class="rank-math-answer ">

<p>購車貸款一般新車利率在5%以下，中古車貸款則大約是5%~9%?/p>

</div>
</div>
<div id="faq-question-1656059501981" class="rank-math-list-item">
<h3 class="rank-math-question ">Q2. 汽車貸款利率最低多少？</h3>
<div class="rank-math-answer ">

<p>汽車貸款利率依照你申請的方案不同，有很大的差異，若是全新車貸，車廠為促銷有機會以0利率申貸，一般銀行車貸最低利率大約是2.93%?/p>

</div>
</div>
<div id="faq-question-1656060073445" class="rank-math-list-item">
<h3 class="rank-math-question ">Q3. 車貸利率計算方式?/h3>
<div class="rank-math-answer ">

<p>通常銀行車貸利率的算法是機動利率，也就是基本固定利?個人風險溢價利率組成，詳細說明可參?a href="//hu662.shop/blog/596/floating-interest-rate/" data-type="post" data-id="596" target="_blank" rel="noreferrer noopener">這篇機動利率解析</a>?/p>

</div>
</div>
<div id="faq-question-1656060329961" class="rank-math-list-item">
<h3 class="rank-math-question ">Q4. 買車選車貸好還是信貸好？</h3>
<div class="rank-math-answer ">

<p>若個人信用狀況良好，且財力證明無虞，選擇申請信用貸款有機會申請到<a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">最?.1%信貸</a>，且不需擔保品，靈活度更高?/p>

</div>
</div>
</div>
</div>


<figure class="wp-block-table">
<table><tbody>
<tr style="background-color: #4c9f75;"><td colspan="3"><span style="font-size: 15pt; color: #ffffff "><b><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸新手?申請低利信貸必知15?img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4a1.png" alt="💡" class="wp-smiley" style="height: 1em; max-height: 1em;" /></b></span></td></td>
  <tr><td class="hover-float-top"><a href="//hu662.shop/blog/260/what-is-personal-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸是什麼？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/374/credit-level/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信用評分多少才夠?/a>
    </td><td class="hover-green"><a href="//hu662.shop/blog/299/personal-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸推薦完整攻略</a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/234/loan-time/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸流程知多少？</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/406/apply-jcic/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告申請教學</a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/874/empty-credit-loan-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />小白信貸推薦銀?/a></td>
  
  </tr><tr><td class="hover-green"><a href="//hu662.shop/blog/265/credit-loan-rate/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />低利信貸申請攻略</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/334/jcic-report/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />聯徵報告怎麼看？</a></td>
  <td class="hover-green"><a href="//hu662.shop/blog/326/easy-approved-loan/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸好過銀行推?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/536/loan-limit/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />信貸額度多少?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/508/correspondent-bank/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />迷思破?往來銀?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/848/on-lend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b0.png" alt="💰" class="wp-smiley" style="height: 1em; max-height: 1em;" />轉增貸推薦銀?/a></td></tr>
  
  <tr><td class="hover-green"><a href="//hu662.shop/blog/253/loan-requirement/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />必知7大信貸條?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/463/creditloan-trap/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />避開7大信貸陷?/a></td>
    <td class="hover-green"><a href="//hu662.shop/blog/479/debt-consolidation-recommend/" target="_blank" rel="noreferrer noopener"><img src="//s.w.org/images/core/emoji/15.0.3/72x72/1f4b5.png" alt="💵" class="wp-smiley" style="height: 1em; max-height: 1em;" />債務整合推薦銀?/a></td></tr>
  <tr>
<th colspan="3"><a href="//pse.is/5nl6wm" target="_blank" rel="noreferrer noopener">30秒取得個人信貸預測報告</a></th>
</tr>
</table></tbody>
]]></content:encoded>
					
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		<title>LINE Bank 信貸好過嗎？2大方?3注意事項.心得分析一次看

		//hu662.shop/blog/862/quick-loan/
					//hu662.shop/blog/862/quick-loan/#comments
		
		
		Tue, 11 Feb 2025 02:53:51 +0000
				
		
		
		
		
		
		//hu662.shop/blog/?p=862

					
										緊急情況需要馬上用錢的時候，真的什麼借錢管道都敢借，也因此常常落?a href="//hu662.shop/blog/463/creditloan-trap/" data-type="post" data-id="463" target="_blank" rel="noreferrer noopener">貸款陷阱，所以本篇整理了10個快速借錢的合法方式，最快的甚至15分鐘就可以拿到錢，當然也要睜大眼睛看清楚，是不是正確借錢管道，借錢?a href="//hu662.shop/blog/367/caculate-creditloan-rate/" data-type="post" data-id="367">利率?a href="//hu662.shop/blog/401/what-is-apr/" data-type="post" data-id="401" target="_blank" rel="noreferrer noopener">費用怎麼計算等等，以?a href="//hu662.shop/blog/1200/jobless-small-loan/" data-type="post" data-id="1200" target="_blank" rel="noreferrer noopener">沒工作也可以快速借錢的方?/a>，最後推薦你有什麼方法可以馬上借到錢？一定要看到最後！





快速借錢的管道有哪些?/h2>




快速借錢管道推薦程度貸款額度適合情況
親朋好友?/td>? class=? class=? class=
? class=? class=+		商議有親友後盾支援的?/td>
銀行信用貸?/a>? class=? class=? class=
? class=? class=		10~300?/td>信用狀況良好且有財力證?/td>
信用卡預借現?/a>? class=3萬以?/td>僅適合當月就能還清的緊急短期需?/td>
保單借款? class=? class=
? class=? class=		依保單而定有保價金的保?/td>
郵局貸款? class=? class=
? class=? class=		依擔保品而定有郵局保單或郵局定存?/td>
手機借款? class=? class=1~6?/td>需求額度小且有信用瑕疵
機車貸款? class=? class=3~10?/td>有信用瑕疵且有自有機?/td>
線上借貸平台? class=? class=1~20?/td>需求額度小且有信用瑕疵
當鋪借款? class=依典當品不推?/td>
民間代書貸款? class=? class=不推?/td>
點擊超連結快速跳轉並查看詳細說明





1.親朋好友?/h3>




急用錢的時候，向親戚朋友開口借錢，是最快速的方式，但也相當考驗你們之間的親情與友情，光是開口借錢可能都是個考驗，交情好的朋友，可能會擔心借了錢之後收不回來，連朋友都沒了，交情普通的朋友如果願意借錢，那真的就是日行一善了，建議在借錢的時候，簽訂正式的協議，白紙黑字寫清楚，才不會日後出現爭議，朋友變仇人?/p>




🔥富邦信貸新春強檔優惠，首期利?.01%，總費用年百分率2.61%起，手續費通路優惠限時0元！只要有勞健保證明都能申請，最?天就能核貸，線上簽約最?0分鐘撥款?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">資金需求就找富邦信?/a>?a href="//pse.is/6v4ms9" data-type="link" data-id="//pse.is/6v4ms9" target="_blank" rel="noreferrer noopener">→立即申?/a>





2.銀行信用貸?/h3>




    

  • 利率?%~16%
    • 




  • 最高額度：30?/li>




  • 申請條件?
      

    1. 年滿18歲中華民國國?/li>




    2. 工作財力證明
      3. 




    3. 信用狀況良?/li>

    

    • 






相較於一般的信用貸款，銀行小額信貸的審核條件較為寬鬆，核貸的速度也比較快，若是選擇線上申貸，最?天就可以撥款?/p>







信貸利率比較?/th>




銀?/td>
信貸方案
信貸利率
總費用年百分?/td>




渣打銀?/a>
個人信貸
0.01%?/td>
2.79%~15.41% 




滙豐銀?/a>
個人信貸
0.01%?/td>
2.46%-16.78% 




台北富邦
AlphaLoan限時信貸
0.01%?/td>
2.61%~14.41%




永豐銀?/a>
數時?/a>
0.01%?/td>
2.43%~15.66% 




凱基銀?/a>
AlphaLoan 專屬限時信貸
0.01%?/td>
2.11%~16.78% 




玉山銀?/a>
e指信貸AlphaLoan獨家方案
0.01%?/td>
3.21%~15.12% 




中國信託
online?/td>
0.01%?/td>
3.33%~14.87% 




台新銀?/a>
Richart信貸
2.1%?/td>
2.19%-15.1% 




王道銀?/a>
一般信?/td>
2.25%?/td>
3.06%~16.93% 




聯邦銀?/a>
鈔期?/td>
0.01%?/td>
2.42%~14.45%




Bankee
挑戰型信?挑戰成功50%回饋
4%?/td>
5.23%~15.34%








🎉渣打信貸限時優惠🎉 
貸款年利率首期利?0.01%，最高額?mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-red-color">600?/strong>；即日起~2025/2/28止透過 AlphaLoan 專屬連結申辦，貸?0萬以?不含)且正常繳款滿3個月，即?strong>享通路限定好禮?,000元無期限momo幣」、「MarshallMotif II A.N.C. 真無線降噪藍牙耳機」二選一?a href="//hu662.shop/recommend/scb" target="_blank" rel="noreferrer noopener">點擊連結查看活動辦法?/pre>




話雖如此，銀行小額信貸仍然是這次提供的快速借錢管道中，審核較為嚴格的借錢方式，但好處是利率很透明，也很安心，不用擔心會被莫名其妙收取一大堆不合理的費用，也不用擔心自己的個人資料被拿去亂用，如果信用良好、工作條件也不錯的人，直接向銀行申請小額信貸是最棒的選擇?a href="//hu662.shop/" target="_blank" rel="noreferrer noopener">過件率超?0%的小額信貸推?/a>?/p>









3.信用卡預借現?/h3>




    

  • 利率?%~16%
    • 




  • 額度：信用卡額度?0%~100%
    • 




  • 申請條件?
      

    1. 有一張信用卡或是以下條件
      2. 




    2. 年滿18?/li>




    3. 無重大信用瑕?/li>




    4. 工作財力證明
      5. 

    

    • 






一般預借現金的額度大約是信用卡額度?0%~100%之間，新卡戶通常僅有10%的額度，隨持卡年資增加，再依各家銀行規範、持卡人的信用狀況等條件調整，手續費通常是「預借現金金額×固定比?定額手續費」的方式來計算，因為預借現金額度與信用卡的每期(?消費上限合併計算，所以應還款的金額也會併入當期的信用卡帳單來收費?/p>




預借現金對個人信用來說是一大扣分項目，若是當期帳單無法還清應繳金額全額，動用到信用卡循環利息，利率通常?%~15%，且會加重扣信用評分，因此借款人須謹慎使用預借現金，務必要在當月還清信用卡款項?/p>









4.保單借款





    

  • 利率?.7%~9%
    • 




  • 額度：保價金?0%~90%，依照你的保單種類而定
    • 




  • 申請條件：保單需要有?a href="//hu662.shop/blog/662/policy-value/" target="_blank" data-type="post" data-id="662" rel="noreferrer noopener">保單價值準備金(保價??/li>






通常終身壽險、儲蓄險、年金險，以及還本型的醫療險、意外險等等都有保價金，可以做保單借款，如果不知道自己的保單能不能借款，最直接明確的方式是，就是把保單正本翻到背面，看看有沒有保單價值準備金，就知道能不能做保單借款，當然也可以直接打電話給保險公司客服或業務做詢問?/p>




要注意的是，如果超過一年沒有繳利息的話，整年度的利息就會納入本金中，以複利方式計算隔年的利息費用?/p>




延伸閱讀?a href="//hu662.shop/blog/610/policy-loan/" target="_blank" data-type="post" data-id="610" rel="noreferrer noopener">保單借款好嗎？利率是多少？保單借款不可不知?大注意事?/a>







5.郵局貸款





很多人小時候第一個開的帳戶應該就是郵局吧！還記得以前上小學的時候，老師還會統一詢問班上同學要不要開設郵局帳戶呢，從小就教導我們要乖乖存錢，但你知道嗎？其實也可以向郵局借錢喔！





郵局沒有一般信用貸款或是汽機車借款的業務，但是郵局有?a href="//www.post.gov.tw/post/internet/Finances/index.jsp?ID=1583195267353" target="_blank" rel="noreferrer noopener">房屋貸款」、?a href="//www.post.gov.tw/post/internet/Finances/index.jsp?ID=1506768146977" target="_blank" rel="noreferrer noopener">保單借款」和?a href="//www.post.gov.tw/post/internet/Finances/index.jsp?ID=1417576924024" target="_blank" rel="noreferrer noopener">定期存單質押借款」這三種借款服務，如果你名下有房屋，或是有郵局的保單或定存單，在急用錢的時候也可以向郵局貸款，郵局還很貼心的提?a href="//ipost.post.gov.tw/pst/index.html" target="_blank" rel="noreferrer noopener">試算服務喔！











貸款比較好過的銀行方案推?/th>




 


中國信託online?/p>






凱基速還?/p>




台新richart logo


台新Richart信貸








優惠利率




0.01%?/p>




5.99%?/p>




3.99%?/p>








最高額?/p>




500?/p>




100?/p>




15?/p>








手續?/p>




3,000 ?/p>




0?/p>




399?/p>








推薦原因




信用空白、微瑕疵過件機率高，貸款期限長月負擔較低




循環額度隨借隨還、有動用才需要支付利?/p>




快速取得小額資金，且還款彈性大






 
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6.手機借款





    

  • 利率?.7%~16%
    • 




  • 額度?~5?/li>




  • 申請條件?
      

    1. 中華民國國民
      2. 




    2. ?0 ~70?/li>




    3. 名下有手?1門號僅限搭?支手?
      4. 

    

    • 






現在手機越來越貴，高階機種隨隨便便都?.4萬以上，其實國外早就很盛行用手機借款，台灣也越來越興盛，不過目前沒有銀行承做手機貸款，多是融資企業等民間借款承做，所以如果想要用手機借款，一定要找上市櫃公司借款才有保障。推薦看<手機貸款懶人?/a>>了解手機借款的需要什麼文件以及詳細的申請流程吧！或直接申請口碑良好的手機貸款方案?a href="//pse.is/6ybgkm" target="_blank" data-type="link" data-id="//pse.is/6ybgkm" rel="noreferrer noopener">手機貸兔?/p>




想申請手機借款/機車借款，不外乎是因為過件機率高，推?a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/43ksl9" target="_blank" rel="noreferrer noopener">富邦AlphaLoan通路方案，審核過件機率高，只要有勞健保就能申請，貸款額度最?00萬，滿足各種購買需求，月還款金額最低只?,780元，輕鬆管理財務壓力?a href="//pse.is/47dkub" data-type="link" data-id="//pse.is/5xj97s" target="_blank" rel="noreferrer noopener">→立即申請富邦信?/a>





7.機車貸款





    

  • 利率?.7%~16%
    • 




  • 額度?~20?/li>




  • 申請條件?
      

    1. 中華民國國民
      2. 




    2. 年滿20 ~70?/li>




    3. 自有機車(公司車需先過戶為個人)
      4. 

    

    • 






機車不但是人人必備的交通工具，還是你資金週轉的好幫手，一般機車或是電動車都可以申請機車借款，一般機?00-250cc，年?0??以下，電動機?含Gogoro)馬力8-10，年?0??以下，不限制機車廠牌、型號皆可申請?/p>




更重要的是向融資公司申請機車借款，可以留下機車自用，不需要抵押出去給融資公司。推薦申?a href="//pse.is/4wfv89" target="_blank" data-type="link" data-id="//pse.is/4wfv89" rel="noreferrer noopener nofollow sponsored">遠信機車貸款，快速又安全，想了解更多請看<機車貸款懶人?/a>>了解機車借款的需要什麼文件以及詳細的申請流程吧！





如果你只是因為是信用小白，而選擇申請手機貸款或是機車貸款的話，這幾家銀行對信用小白接受度較高，有機會申請到利率和額度很滿意的貸款喔?/p>




接受小白的銀?/strong>貸款方案說明

台北富邦銀行信?br>		年利率：首期0.01%，第2?.7%?br>手續費：NT$ 0 元起
貸款額度：最?00?/td>		有勞健保即可申請，最?天核貸，~12/31前申請再?0,000點LINE Points?/td>
台新richart logo
台新Richart信貸
年利率：一段式利率2.1%?br>手續費：NT$ 0 元起
貸款額度?萬~500?/td>		年輕人友善銀行，小白貸款過件率較?/td>

中國信託Online?br>		年利率：首期0.01%，第2?.02%?br>手續費：NT$ 3,000
貸款額度：最?00?/td>		AlphaLoan 60萬筆+數據顯示，小白貸款過件率較高

渣打銀行個人信貸
年利率：首期0.01%，第2期起2.88%~15.99%
手續費：NT$ 0
貸款額度：最?00?/td>		AlphaLoan 60萬筆+數據顯示，小白貸款過件率較高

凱基銀行Alpha Loan專屬限時信貸
年利率：首月0.01%，第2個月?.18%~15.99%
手續費：NT$0 ?br>貸款額度：最?00?/td>		AlphaLoan使用者回報，小白貸款通過紀?/td>





8.當鋪借款





當鋪抵押借款以貴重物品、土地、房屋、汽機車等當作擔保抵押品進行借款，當鋪借款的申請門檻很低，只要有有價物品就可以借款，但風險偏高?/p>









當鋪的利息很高，若是還不出來，抵押品就歸當鋪所有，被當鋪拍賣掉，而且你沒有權利贖回你的抵押品。如果要去當鋪借款，一定要找政府立案、合法經營的當鋪，合法的當鋪都一定會張貼營利事業登記證、當鋪業許可證、利息及費用收取標準、當舖商業同業公會會員證、營業時間及負責人姓名，若實在無法分辨是合法當舖還是掛羊頭賣狗肉的地下錢莊，還是找上市櫃的融資公司借款比較有保障?/p>




延伸閱讀?a href="//hu662.shop/blog/1271/non-bank-car-loan/" target="_blank" data-type="post" data-id="1271" rel="noreferrer noopener">汽車借款好嗎？額?利息是多少？當鋪汽車借款會不會很危險?/a>





9.線上借貸平台





線上借貸平台是為了滿足小額資金週轉而衍伸的平台，相較於銀行的審核標準來說是相對寬鬆的，因此許多原本透過信貸無法成功核貸且資金需求不算太大的借款人，會轉而向線上借貸平台進行資金周轉?/p>




每家線上借貸平台都有自己的信用評分機制，基本上也會需要繳交「收入證明」等資料，甚至有些會建議附上社群帳號和信用報告，以利提升核貸機率，因此妥善管理自己的信用和資金才是正確的金錢觀念。推薦尋找較有口碑、較多人推薦的平台申請，以免個資外洩被盜用?/p>




10.民間代書貸款





代書貸款的條件非常寬鬆、過件率很高，完全不看信用評分，只要年滿18歲、有工作就可以申辦，但借款的成本非常驚人，光是手續費就已經比其他借款方式還要高，更不用說利息超高，已經超過法定上限年利率16%，月?%看起來很便宜，很容易讓人放下戒心，但換算下來年利率等?%×12個月=36%，真的非常高。注意！任何條件寬鬆、過件率高的無擔保品借款，通通都是高利貸，不要輕易相信廣告台詞?/p>




延伸閱讀?1. 代書貸款是什麼？優缺?申請條件.額度.流程一次看
2. P2P意思是什麼？P2P借貸好嗎？風?優缺點有哪些?/a>





網路上的快速借錢管道會不會很危險?/h2>




人在著急的時候，很容易病急亂投醫，隨便聽到或看到好像可以快速借錢的方式，就好像快要溺斃的人死死抓著一根稻草一樣，但是越是這種緊急時刻，越是需要冷靜下來仔細評估，才不會好不容易脫離虎口，卻掉進另一個狼窩，以下提供3個一定要清楚的項目：









絕對不能嘗試的快速借錢管道





在不合法的管道借錢，只是給自己製造出更大的麻煩！任何只要是不用提供擔保品，卻主打申貸條件簡單、過件率高的借錢方式，尤其是只要提供身分證就能借錢的管道，通通都不要嘗試?/p>




如果是去當鋪借錢，卻沒有在現場看到營利事業登記證、當鋪業許可證，就要提高警惕，很可能是跨羊頭賣狗肉的高利貸。另外貸款核貸撥款之前，就跟你收取諮詢費的公司，也多是非法代辦公司，千萬不要想說試試看也沒關係?/p>




沒工作也可以快速借錢的方?/h2>




絕大多數的快速借錢方式，都需要有工作收入，證明自己有還款能力，如果沒有工作收入的話，建議可以找擔保品借款，像是手機／機車借款?a href="//hu662.shop/blog/610/policy-loan/" data-type="post" data-id="610">保單借款?a href="//hu662.shop/blog/1056/car-loan/" data-type="post" data-id="1056">汽車貸款等等，如果你真的沒辦法還款，他們就會沒收擔保品換現金，因這類型的借錢方式是以擔保品的價值當作核貸與否的標準，就算是沒工作影響也沒那麼大?/p>







有往來過件率高信貸推?/th>





中國信託online?/td>






玉山往來顧客專?/div>





聯邦鈔期?/div>







總費用年百分?/p>




3.33%?/p>




0.01%?/p>




2.42%?/p>








最高額?/p>




500?/p>




300?/p>




300?/p>








手續?/p>




3,000 ?/p>




2,000元起




0元起








推薦原因




薪轉戶過件率高且享手續費優惠




AlphaLoan獨家方案?strong>??/strong>年利?.01%，第3期起3.15%?/p>




有聯邦信用卡申辦過件率高







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快速借錢?種常見陷?/h2>




貸款代辦風險?/h3>




想要申請任何種類的貸款都一樣，最好的方式是自己直接向銀行或融資機構申請，找貸款代辦的風險高、手續費高，還很有可能個人資料外洩、被騙財騙色、甚至被騙成為人頭帳戶，造成自己更大的麻煩及損失?/p>




撥款前先付手續費





向銀行或其他金融機構申請貸款，通常是貸款核貸後才會收取手續費及其他相關費用，有些還會跟著第一期的貸款月付金一起支付，所以如果遇到貸款核貸之前就要先收手續費的，絕大多數都是詐騙，一定要注意?/p>




保證過件?/h3>




如果跟你聯絡的人說，他們公司有特殊管道可以申請特殊方案，申請貸款保證一定過件，或是說過件率很高，經過他手上的案子沒有審核不過的，那就一定有鬼！任何銀行、金融機構都不可能保證一定過件，只有詐騙集團和高利貸會保證一定可以貸款成功?/p>




幫你培養信用是詐?/h3>




現在還有另一種詐騙手法非常盛行，就是謊稱要幫你培養信用，所以要辦一張信用卡、辦手機門號、辦理SIM卡、或是辦理其他項目，只要照做就可以培養信用順利向銀行借錢，這種情況除了滙說要養信用所以需要收取相關費用進行詐騙，還會盜刷你的信用卡?/p>




重要證件資料絕對不能?/h3>




銀行和合法資融公司辦理貸款時，絕對不會要求貸款申請人提供金融卡、存摺、網路銀行密碼等等重要的個人私密資料，身分證、駕照、健保卡等等重要的個人證件也絕不離身、更不能離開視線範圍，否則不只被騙錢，還可能淪為人頭帳戶，惹上官司，真的是人財兩失?/p>




有什麼方法可以馬上借到錢？快速小額借款推薦















高過件率小額貸款方案推薦




 


台新richart logo

台新Richart信貸








玉山e指信?/p>







渣打優惠信貸










最高額?/p>




15萬元




300萬元




600萬元








月付?/p>




最?434 ?/p>




最?120 ?/p>




最?1309 ?/p>








最長期?/p>




24個月




84個月




84個月








方案特色




快速取得小額資金，且還款彈性大




信用小白推薦！有收入證明即可線上快速申辦，不限制證明形?/p>




有收入即可申辦，不限制收入證明類型，審核通過機率?/p>






 
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高過件率小額貸款方案推薦2




 


富邦logo

富邦限定專案








王道GO用金








凱基速還?/p>









利率




0.01%?/p>




2.99%?/p>




5.99%?/p>








額度




500?/p>




最?0?/p>




最?00萬元








期限




最??/p>




最??/p>




1年到期可續約








方案特色




信用空白過件機率高，貸款期限長月負擔較低




信用小白推薦！有健保投保證明即可線上快速申辦，無綁約還款彈性大




過件率高且隨借隨還，有借才需要付利息，資金運用彈性大






 
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