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如何能有好的貸款條件

My08001

孩子長大後,會有很多人主動、用各種方式、包裝後的產品,想要借錢給他,例如各種金融機構的廣告、信用卡、房貸、信貸,金融機構評估房屋貸款條件,除了房屋本身條件、區位是影響的因素外,貸款人本身的收入、信用狀況、存款等等都會影響貸款成數及利率的主因,一般而言,銀行偏好有穩定、高額收入的申貸者,故若本身財務狀況佳,或符合銀行優惠專案身分者,就能有好的貸款條件。

個人信用貸款的最大的特色在於無須提供抵押品或第三方擔保,僅憑藉申貸人的信譽而申請貸款,個人信譽包括個人的信用背景及分數,因此個人信用貸款在不需要擔保的前提下相對於其他貸款方式更為容易。個人信貸作為銀行長期以來主要的放款方式,同時又是無擔保性放款,在申貸人不需提供擔保品的情況下,銀行的風險相對較高,自然對於放款依據更會謹慎評估,藉由審查申貸人的信用背景以確認申貸人還款能力。

三信商業銀行

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