公教房貸,哪家鑑價/成數高? - 公職
By Olivia
at 2021-08-18T20:48
at 2021-08-18T20:48
Table of Contents
最近在林口買房,
查了一下資料,除了台銀標到的築巢優利貸以外,
標榜公教貸款的還有很多家,
其中台銀、中信、彰銀免收開辦費,
台灣中小企銀、全國農業銀行也說有公教1.31%,但要開辦費。
兆豐銀行也說有1.31%起,
可實際去台北市(工作地)的彰銀詢問,表示1.31%只限首購,不適用
櫃台並質疑別家也是限首購,我提到網頁上並沒有說,櫃台說那你要去實際問才知道。
代書找的中信,鑑價只有成交價的九成,這樣只能貸0.9x0.8,剩7成多
想請問一下,
有需要找不同分行鑑價看看嗎? 還是同一間就都差不多?
彰銀真的限首購嗎?
要實際貸到公教方案的8成,有沒有推薦的做法,像是找哪一間銀行之類的。
謝謝
--
查了一下資料,除了台銀標到的築巢優利貸以外,
標榜公教貸款的還有很多家,
其中台銀、中信、彰銀免收開辦費,
台灣中小企銀、全國農業銀行也說有公教1.31%,但要開辦費。
兆豐銀行也說有1.31%起,
可實際去台北市(工作地)的彰銀詢問,表示1.31%只限首購,不適用
櫃台並質疑別家也是限首購,我提到網頁上並沒有說,櫃台說那你要去實際問才知道。
代書找的中信,鑑價只有成交價的九成,這樣只能貸0.9x0.8,剩7成多
想請問一下,
有需要找不同分行鑑價看看嗎? 還是同一間就都差不多?
彰銀真的限首購嗎?
要實際貸到公教方案的8成,有沒有推薦的做法,像是找哪一間銀行之類的。
謝謝
--
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