好事貸Podcast．金融貸款知識補給站
好事貸學校沒教、銀行沒說、讓好事貸告訴您! 金融貸款知識儲值，幫自己的財商加值! #貸款 ┃#理財 ┃#金融 ┃#時事 portaly.cc/houseloantw
| Publishes | Weekly | Episodes | 151 | Founded | 4 years ago |
|---|---|---|---|---|---|
| Language |  Korean | Number of Listeners | Categories | Personal JournalsSociety & CultureBusiness |
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分期買手機，竟害房貸額度降百萬？信用卡額度常刷滿、或是帳戶有大額資金進出，也會影響信用！？
很多人以為，房貸審核只看收入、職業和信用分數。其實銀行還會看你的財務行為：信用卡怎麼刷、分期怎麼用、帳戶資金進出、頭期款來源能不能交待清楚，踩到任一紅線，都可能影響房貸審核條件。
銀行不是不讓你刷卡，也不是不讓家人幫忙。銀行真正要確認的是：你有沒有能力還款、錢是不是合法、金流是不是說得清楚。
如果你近期正在準備買房、申請房貸，這一集一定要先聽完。請聽我們的分享！
【重點內容】：
❶分期買手機，竟... more
為了拿到好一點的貸款條件，很多人會選擇用借名登記的方式來買房，自己是房子的實際出資者，但把房子掛在親友名下，這樣算人頭戶買房嗎?是合法的嗎?可能會有哪些風險？借名人、出名人在簽約前後，該如何保障自己的權益？如果日後貸款繳不出來、或是對房屋的想法不一致的時候，要怎麼處理才好呢？請聽我們的分享!
【重點內容】：
❶幾種常見的借名登記情況
❷借名登記合法嗎?可能有哪些風險？
❸名字借朋友買房，朋友失聯怎麼辦？
❹房子在別人名下，最後竟錢、房兩失？
❺保護權益就靠抵押權+預告登記？
❻關係生變，房子被... more
BNPL先買後付在全球掀起熱潮，台灣的市場規模也預估有400億元!電商網站甚至因為加了這個功能，購物車的商品數量成長10%，究竟BNPL先買後付有什麼優缺點?會不會對信用造成影響?美國的年輕世代因為先買後付而破產的案例愈來愈多，該如何聰明使用才不會讓BNPL透支你的未來?請聽我們的分享!
【重點內容】：
❶無卡消費是趨勢，是支付工具或借貸呢?
❷BNPL與信用卡、信貸的差異?
❸額度換現金?當心落入陷阱!
❹財脆族的錢包救星?
❺BNPL不上聯徵、不影響信用?
❻繳不出來該怎麼辦?
❼成熟的大... more
銀行說只要補保人就可以撥款? 家人辦貸款缺保人，說我只要簽個名而已…究竟該怎麼辦才好呢?
保人怎麼找?要不要幫家人作保?當保人竟然會影響自己的聯徵報告和房貸? 請聽我們的分享!
【重點內容】：
❶5種常見需要補保人的原因
❷年薪百萬的保人，貸款竟沒加分?
❸一般vs連帶保證人的差異?
❹共同保證人，責任平均分擔?
❺歷史的眼淚，負債千萬的小孩
❻該如何解除或變更保證人?
❼找保人&作保的注意事項
【延伸閱讀】
1、【文章】貸款要提供保證人嗎？幫人作保的條件、責任與注意事項！... more
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Reviews
- 抵押貸款疑問
感謝好事貸每集知識滿滿，真的是優質含金量又高的好節目，主持人口條清晰，提供很多房屋買賣及貸款經驗，我這個房市小白想請教有關抵押貸款的問題，同事分享他今年上半年將股票全數賣出，將新北預售屋的房貸繳清，再將房子拿去抵押貸款，貸到約9成的資金，利率跟房貸利率差不多，一樣可貸30年，而且有3還是5年的寬限期，貸款的錢再拿去投資股票，這讓明年要交屋的我（目前沒有任何貸款，工作穩定）也萌生這樣的念頭，但是現在貸款應該沒有這樣的行情，我同事認為就是要跟銀行談，想請教2位主持人，對於明年預售屋交屋貸款有這樣的機會嗎？抵押貸款有什麼需要注意的地方，感謝好事貸！
Apple Podcasts5lai_77
Taiwan10 months ago - 受益良多
謝謝你們無私分享，受益良多！
Apple Podcasts5三寶寶姐姐Taiwana year ago - 很感謝好事貸
今年從買房小白到貸款遇到限貸令跟銀行打交道，好事貸所分享的知識真的對我幫助很大，也期許之後能夠從節目上獲得更多知識，加油👏
Apple Podcasts5ooneko111Taiwan2 years ago
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好事貸Podcast．金融貸款知識補給站 launched 4 years ago and published 151 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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