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凡例 改訂新版　世界大百科事�?「借貸」の意味・わかりやすい解説 资助维基百科 外观 创建账号 登录 个人工具 创建账号 請您將網路環境內非人為訪問本網站的行為停止後，把以下阻擋連線資訊記錄起來並提供聯絡資訊與我們客服連絡，向我們提出解除訪問限制。 各大銀行或財務公司網站都會提供私人貸款利息計算機，你可以免費使用，只需要輸入你的貸款額與還款期，便會立即得到根據銀行與財務公司提供的利率計算出不同貸款計劃的實際年利率、月平息、與每月還款額，並能即時網上申請。留意每人最終能得到貸款利率都不同，要由銀行或財務公司決定，貸款計算機只能作參考用途。 法令具時效性，文章內容及所引用資料，請自行查核法令動態及現行有效之實務見解。 署方或受託人會考慮破產人及其家庭的「合理需要」，從而將他的資產及收入之結餘分給各個債權人還債。所謂「合理需要」是指破產人的衣食住行、教育、醫療、入息稅支出及強積金供款等開支。 「文里補習班」開課啦！用方便取得的罐頭與菇類，端出一道香噴噴又營養的料理 為方便進行評估，客戶可參考載於銀行網站的「私人貸款常見問題」的範例。 優惠低利率和方案最低利率並非不存在，但正常合法的借貸機構，都會在方案下方揭露詳細資訊，如優惠利率期限、利率區間等。 A secured loan means that the borrower has put up some asset as being a kind of collateral prior to being granted a loan. The lender is issued a lien, that's a appropriate to possession of home belonging to a different person right up until a debt is paid. Basically, defaulting on a secured loan will give the loan issuer the lawful capability to seize the asset that was set up as collateral. 經濟不景，若不幸陷入財困，背負多項債務在身，沒有方法償還的話，破產是其中一個解決財務困境的選擇。申請破產是指經過法律程序，並由法院宣布無力償還債務。不過，申請破產後將受到多項限制和後果，亦會對家人構成影響。《am730》為讀者整合破產申請程序，讓大家了解更多詳情。 PayPlan by RBC gives you the choice to buy goods as time passes over the conditions that do the job finest for you through a simple and constructive payment experience*disclaimer. 鈔優貸擁有多年的協助貸款經驗，幫助過無數客戶順利取得資金，並獲得一致好評�?無論是購屋、購車、創業、週轉，都能依照你的需求，提供最適合的貸款方案，輕鬆取得貸款資金。 ※稀に誤検知をする場合があります。その場合は再読み込みをしてください�?広告なしプランを購入する➡ List your total accessible cash flow such as wages, retirement, investments, and rental properties. You aren't necessary to reveal money which is alimony, baby support or independent servicing Except if you wish to use that profits to qualify for any loan. 親身前往高等法院登記處繳交法庭費用，並確定聆訊的日期和提交呈請書及資產負債狀況說明書 法例沒有明文規定，破產人離開香港時必須通知受託人有關行程及其聯絡處。破產人可在不通知受託人的情況下自由離境。當破產人行使其權利在不發出任何通知的情況下離港外遊，他可能需要承受法例規定下的負面後果，即法院可將其破產令的期限延長。 256-little bit encryption know-how scrambles your SSN right into a code so intricate that it might just take billions of many years for even the strongest computers to decrypt with no critical. Extend your ask for to INCLUDE more fiscal solutions that specialise in consolidating unsecured debt. 債務重組和破產是處理財務困境的兩種不同方法。債務重組是債務人與債權人協商修改還款條件，例如延長還款期限、減少債務總額等，以便債務人有能力按新條件償還債務。破產則是經法院程序，由破產管理署署長或受託人管理債務人財產，以償還債權人債務。 向破產管理署署長提交「債務人破產呈請書」及「資產負債狀況說明書」。有關表格可於債務人破產呈請程序簡介頁面免費下載 首先在借款前，務必確認貸款平台是否合法，合法平台的保障較高，如果遇到不需要審核就能借款的平台，應提高警覺。 不過，解除破產令後，便可獲免除所有可予證明的債項，但已歸屬於受託人管理的破產人資產並不會歸還予破產人，因有關資產有機會被變現還債。此外，破產紀錄會於個人信貸報告的「公眾紀錄」中永久保存，公眾亦可向法庭查詢個人的破產紀錄，因此破產前必須緊慎考慮，想想是否有方法避過沾上這個污點。 服務承諾 網上支援 精選產品 換領現金券流�?常見問題 條款及細�?編輯守則 廣告合作 廣告政策 私隱政策 加入我�?媒體報導 Please be aware that if you click the hyperlink and open up a whole new window with your browser, you can be issue to your phrases of use and privacy guidelines on the 3rd party Internet site that you'll be going to visit. �?【月月抽大獎享回饋】於指定廠商享消費現折與回饋外，再抽大額購物金 Jordan Tarver has expended seven several years masking property finance loan, private loan and enterprise loan written content for leading financial publications including Forbes Advisor. He blends know-how from his bachelor's diploma in business enterprise finance, his practical experience as a leading perf... 破產是一種法律程序，當債務人無法償還債務時，便可經法院宣布破產。破產程序可以由債務人自行提交或由債權人提出申請。香港原訟法庭在接到破產申請後，會判決是否頒布破產令。 瀏覽人士使用中銀香港流動應用程式即表示同意中銀香港於流動應用程式不時所載之免責聲明及政策。 另一個選擇是債務重組，這通常涉及與債權人協商以達成新的還款協議。在這種情況下，債務人可以要求減少總債務金額、降低利率或延長還款期限。成功的債務重組可以讓債務人在不影響信用記錄的情況下，逐步恢復財務健康。這些替代方案不僅能減輕當前的財務壓力，也能幫助債務人保持良好的信用評分，為未來的財務活動鋪平道路。因此，在面對財務困難時，尋求專業建議並探索這些替代選擇是非常重要的，以便找到最適合自己的解決方案。 aeon借貸 for assisting us look for a house fairness loan without having producing us refinance our mortgage. We got the cash we would have liked, and we recognize you. 破產人的資產將會繼續受管理，直至破產人的所有資產已分發給破產人的債權人以及破產人的受託人獲解除職務為止。破產人就該物業所佔的份額將會歸屬破產人的破產案受託人，受託人會嘗試出售破產人就該物業所佔的份額，並將售賣所得款項分發給破產人的債權人。 實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。 *合資格客戶須於提取貸款後至大新銀行存入現金回贈當日，仍然持有有效之貸款戶口、還款戶口及相關大新儲蓄或往來戶口，並一直維持良好之還款記錄及正常運作。 If a payment is skipped for any variable amount loan, the unpaid accrued fascination together with the fascination within the Component of the principal that went to payment of the missed Loan Protector high quality might be included towards the loan principal stability (‘’Put together Quantity’�? So expanding the principal volume outstanding in your loan. Interest, on the interest charge on the loan, is charged to the Put together Amount till it really is compensated in complete. You may repay the skipped payment Anytime. PayPlan by RBC provides the option to purchase objects after a while around the conditions that operate finest for you thru an easy and optimistic payment encounter*disclaimer. 若合資格全新客戶於貸款合約上指定的第一及／或第二期還款日前更新貸款合約內容及條款，邦民日本財務(香港)有限公司有權自行決定其獲獎資格。 申請破產絕非小事，必須慎重考慮。欠債人可從以下三個角度作考量，以衡量是否申請。 This kind of one-way links are only presented on our Web-site for that convenience on the Shopper and Regular Chartered Financial institution doesn't Regulate or endorse this sort of Internet websites, and is not responsible for their contents. 債主亦可向法院提交呈請。但若個案有欺詐或轉移資產成份，破產申請將會被拒，違者亦會被刑事起訴。 登入 登入 私人貸款比較 所有私人貸款 如還款期不足一年，亦以一年期計算。特選中銀客戶為「中銀私人財富客戶」及特選客戶群。 破產受託�?破產管理署會根據破產人士的生活需要，批出每月可用的生活費用，滿足破產人士和其受養人衣、食、住、行生活開支上的需要。 Make sure you be aware that once you click on the website link and open a fresh window as part of your browser, you can be topic to your phrases of use and privacy procedures from the third party Internet site that you will be likely to go to. 私人貸款的種類很多，包括分期貸款、汽車貸款、按揭及稅貸等。如無特別說明，我們日常通稱的「私人貸款」，泛指私人分期貸款—借款人以無抵押方式借錢後，根據與銀行協議好的利息、還款期數，每月分期作等額還款。今次我們為大家介紹私人分期貸款的利息計法，並講解獲取低息、易批貸款的秘訣。 這問題確實沒有標準答案，但是銀行提供的金融服務，都是合法且受政府監督的，自然比較不會出現不合理的借貸條件；因此自然選擇銀行的借錢管道才是上上策。 如還款期不足一年，亦以一年期計算。特選中銀客戶為「中銀私人財富客戶」及特選客戶群。 其中的農地貸款就是將農作使用的土地作為擔保品來辦理貸款，也就是說持有的土地地目中，有明確寫上「農地」或「農業區」等非都市計畫區內的土地才能進行申請。 A secured loan means that the borrower has put up some asset to be a kind of collateral in advance of remaining granted a loan. The lender is issued a lien, that is a appropriate to possession of assets belonging to another particular person right until a credit card debt is paid. Basically, defaulting with a secured loan will provide the loan issuer the legal ability to seize the asset which was set up as collateral. 利息是指借款人為取得資金使用權而向貸款人支付的報酬，它是資本（即貸出的本金）在一定期間內的使用價格。在民法中，利息是本金的法定孳息。 To watch this online video make sure you empower JavaScript, and take into account upgrading to a web browser that supports HTML5 movie Following a borrower issues a bond, its value will fluctuate according to interest premiums, current market forces, and many other aspects. Although this doesn't change the bond's value at maturity, a bond's sector selling price can still differ through its life time. 騰富金融提供多樣化的貸款方案，並秉持著「快速撥款、息低保密」的理念，讓客戶能夠安心借款、輕鬆還款。 Try out our absolutely free demo account prior to deciding to open up a true buying and selling account to examine our intuitive trading System and boost your competencies. 由於 加密貨幣 市場本質上不穩定，加密貨幣交易者將需要他們所能獲得的任何優勢才能在加密貨幣領域取得長期成功。這就是為什麼如果您在加密貨幣市場上積極 交易 ，那麼基於熊旗等圖表模式進行識別和交易是如此重要。作為加密貨幣交易者使用的更容易識別的多蠟燭圖模式之一�?熊旗模式 是潛在價格變動的有力指標，並且對於發現盤整階段的任何交易者都有幫助�?想了解更多嗎？從強調什麼是熊旗到指導您如何識別熊旗圖表模式，以下是我們全面的熊旗模式指南中您需要了解的所有內容。 You should Have got a assistance ask for registered regarding private loan foreclosure. Click here to boost an online token for the same. This can be to tell that by clicking around the hyperlink, you can be leaving sc.com/cn/en and moving into a web site operated by other functions: Such back links are only offered on our website to the advantage from the Customer and Conventional Chartered Bank will not control or endorse these Sites, and isn't responsible for their contents. The use of these types of Web-site is usually subject matter into the conditions of use and other conditions and suggestions, if any, contained within each these types of Web-site. To discover the ideal home finance loan lender for your requirements, commence by examining your credit score score. In case you have truthful credit rating or under, having steps to transform your score can help you qualify for economical home finance loan conditions. Once you submit an application for RBC Royal Lender® personalized loan, you may choose either a set or variable level loan: 我国国内银行的理财产品使用的大多是单利计算方式，而大部分基金和保险产品使用的是复利计算方式。 It was easier than I imagined getting a lender with credit history difficulties previously, however , you did it. Thank both you and your crew to your enable. We are going to carry out an assessment which works by using your credit history rating (which delivers us together with your credit score record and tells us how well you are actually running all your credit before) along with your cash flow and expenditures. Dependant on all this information and facts We're going to ascertain no matter if we can grant you credit score presently 民間二胎省去銀行繁複的信用調查流程，能提供更快的撥款速度。資料齊全，最快能在當日撥款。 值得一提的是，除了正式破產，欠債人其實還可以考慮循非正式、非法定的渠道管理債務，也就是「非正式個人自願安排」。 There will be no quick changes to how you utilize and deal with your account on per day-to-working day foundation. Barclays will proceed to use the Tesco Bank brand on all present Tesco Financial institution banking products and solutions via a long-phrase strategic partnership with Tesco. 鈔優貸是一家專業的貸款代辦公司，提供全方位的貸款服務，無論是需要融資貸款、房屋貸款、信用貸款、汽機車貸款、代書貸款，還是統整信貸，鈔優貸都能為你提供最合適的方案。 EXPAND your request to INCLUDE added economic choices that concentrate on consolidating unsecured debt. As a way to be eligible to skip a payment, loan payments must be up-to-date As well as in excellent standing. Skipping a payment may perhaps lead to extending the amortization duration of the loan. For those who skip a payment and also your Loan is secured with Loan Protector Insurance policy, the premium (with the period of the skipped payment) is going to be gathered out of your upcoming regular payment. What this means is less of the following payment will probably be used to decrease the principal volume of your Loan. If a payment is skipped for a set charge loan, interest will proceed to accrue and will be gathered when the subsequent payment resumes. 本站基於資訊安全以及保護網站內容價值等因素，對於使用未經認證之機器人、爬蟲程式等非自然人為訪問行為，給予停止訪問的權限。 You should utilize them to help bridge the gap with your spending plan and take care of costs which include renovation initiatives. You may also use personalized loans to consolidate your debt due to the fact their curiosity rate is decrease than charge cards. 如申請順利完成，貸款公司將會把款項撥至客戶帳戶，相較於傳統的實體借款，線上借款不需要親自到現場，也不用擔心因為資料不通過而需要多次往返。 有關槓桿的風險——在不穩定的市場條件下，槓桿交易可能會導致更大的損失（也可能是更大的資本收益）。 Your SSN is made use of solely to verify your identity and ensure the integrity of your respective application. See our Privateness Plan to see how we share your SSN with lenders. How do I know that my SSN won't be compromised? 數分鐘即可申請帳戶，在您做好準備進行更高水準的操作前，使用我們的免費無限類比帳戶，進行交易實踐。 有關發行國的風險——國�?地區的政治和經濟穩定性會影響其貨幣的實力。通常，主要經濟體的貨幣有更大的流動性，波動性一般比發展中國家低。 本網站之資訊為一般性質。在考慮該等資訊時請結合您的目標、經濟情況和需求。 申請私人貸款的必備「三寶」包括身份證、住址證明及入息證明。我們宜養成妥善保管這些文件的好習慣，對申請私人貸款、按揭、信用卡及的處理其他個人財務事宜無往而不利。自僱人士或自由工作者，可用強積金供款、銀行月結單、稅單等文件作為入息證明，尤以稅單最易被貸款機構信納，因此有貸款需求的人士，記得妥善地申報入息及交稅。 如果您認為匯率會上漲，您可以開啟一個‘買入�?倉位。相反，如果您認為匯率會下跌，您可以開啟一個‘賣出’倉位。 實際年利率乃根據香港銀行公會所載的有關指引計算。實際年利率是壹個參考利率，以年化利率展示出包括銀行產品的基本利率及其他費用與收費。 在金融領域，貸款（或稱借貸、融資，俗稱調頭寸等）是一個或多個個人、組織或其他實體向其他個人、組織等出借的金錢。接收方（即借款人）承擔債務，通常有責任支付該債務的利息，直到它被償還以及償還借入的本金。 電子渠道包括中銀香港網站、網上銀行、手機銀行應用程式、「中銀香港微服務」微信官號或「中銀信用卡」微信官號。 貸款人依據各國相關法規所公佈的基準利率、利率浮動空間，而與該貸款銀行確定貸款利率。 不少人在遇到突發現金需要時，都會用信用卡提取現金，這的確是一個快捷的周轉方法。不過眾所周知，信用卡現金利息特高且逐天計算，更有手續費等額外費用，而每天提款額亦有限制，它絕非最佳的借錢方式。 破產是債務解決方案的一種形式。申請破產是一種法律程序，主要適用於那些債務狀況較嚴重，並且未能在合理時間內還清債務的人，但有哪些破產好處及壞處需要注�? 在法律用語上，破產與倒產不同，前者專指將事業結束，將債務人的全部財產變賣並分配給所有債權人的清算程序；後者則廣義地包括清算程序以及將事業繼續經營下去的重建程序。[來源請求] 申請簡便：設網上、電話等即時申請渠道，毋須提供大量文件及準備繁複資料。 Use this calculator for standard calculations of widespread loan styles which include home loans, car loans, scholar loans, or personalized loans, or simply click the one-way links For additional detail on Each and every. 破產人毋須再為巨債擔心，錢債官司會停頓、民事訴訟的討債行動亦會因破產條例遭凍結，即時舒緩破產人因無力還款而承擔的精神壓力。 有關發行國的風險——國�?地區的政治和經濟穩定性會影響其貨幣的實力。通常，主要經濟體的貨幣有更大的流動性，波動性一般比發展中國家低。 親身前往高等法院登記處繳交法庭費用，並確定聆訊的日期和提交呈請書及資產負債狀況說明書 不用。因為一對夫婦合法結婚並不意味著他們都必須同時申請破產。如果債務只在其中一個配偶的名下，就只而需要負債的一方申請破產。 Uncover A huge number of CFDs on the planet’s hottest money instruments and get absolutely free true-time offers to examine endless trading opportunities. activeCategoryName Actions that may negatively affect your credit history history consist of missing Monthly bill or loan repayments, defaulting on your credit history facility, or making numerous credit score apps in a short time frame. 根據監管要求，您的數據將得到安全保護，您的資金保存在獨立的銀行帳戶中。 Jordan Tarver has used seven years covering home finance loan, particular loan and small business loan information for foremost money publications including Forbes Advisor. He blends understanding from his bachelor's degree in small business finance, his experience as a major perf... [ 嚴正聲明 ] 鑑於近日發現有來歷不明人士冒充本協會，藉此聯絡其他人士並進行行騙，本協會認為事態嚴重。 Our loan calculator permits you to try out lots of choices, in order to see the distinction between a a person-calendar year loan or a three-yr loan, for example. This can assist you work out whether or not you’re likely in order to afford to pay for a private loan alongside your other month to month payments. A loan is often a agreement concerning a borrower in addition to a lender where the borrower receives an amount of money (principal) that they are obligated to pay for again Sooner or later. Most loans could be classified into amongst three types: We’ve seen you might not be applying the latest browser. For an even better website knowledge and better on the internet safety, remember to improve your browser, or stop by us utilizing your smart cellular phone or pill application. 應該選擇私人分期貸款、循環貸款還是其他產品？ expand_more 循環貸款的貸款額一般較私人分期貸款低，而且利息也較高，但相對較靈活，讓你可以隨時在所批貸款額內提取金錢，就算提早還款也沒有罰款，適合需要短期貸款，或者經常需要借貸周轉的人。分期貸款的貸款額較高，但由於要定時定額還款，彈性相對較低。如果你打算為個人計劃準備足夠資金，也希望在財務規劃上有更準確的預算和明確的還款目標，那分期貸款便是較適合你的選擇。 Presettlement funding is actually a income advance or funding determined by foreseeable future unresolved statements. Inexperienced Light Progress may get you the money you may need that may help you deal with personal, automobile replacement costs, and professional medical expenses. Furnishing an employer phone number significantly boosts your likelihood of acquiring a loan. If you're on Added benefits, you can use the cell phone number of The federal government Business that gives your benefits. Enter Employer Cellular phone 呢篇破產係關於經濟嘅楔位文章，重未完成嘅。麻煩你幫手補充佢嘅內容。 介紹易借易批私人貸款方法前，我們先為「易借易批私人貸款」下簡單定義。能被稱之為「易借易批」的貸款產品，應具備以下部份或全部特色： The Financial institution doesn't have any Regulate (editorial or normally) in excess of the connected third party Web site and is not in almost any way accountable for the contents available therein. 破產舊時又叫報窮，係由英文bankrupt音義俱譯嘅名稱，舊時香港成日用，依家大馬重有用緊。 There's a pre-accredited provide that you could avail of by means of NetBanking wherein no paperwork are required. ​​​​​If You're not suitable to get a pre-authorised offer, files are required to confirm the profile and loan eligibility. 重整或债务重组：破产者在债权人或破產管理人的监督下可继续经营，并在规定期限内向法院和债权人提出重整计划。重整计划中破产者可以请求减免某些无力履行的债务或契約，或者改变偿还方式，并给出继续经营和偿还债务的计划。如果债权人投票通过重整计划则破产者有可能重新恢复经营，否则可能会进入清算程序。在许多情况下，允许仍有盈利潜力的企业继续经营可能会获得比单纯拍卖其资产更多的收益，从而使破产者和债权人都获得比破产清算更好的结果。有时，这也被称作破產保護。 By clicking “Request Loan”, you consent into the Conditions & Situations, Privateness Coverage, Credit score Authorization, E-Consent, and you are supplying prepared Guidance beneath the Good Credit score Reporting Act authorizing us and our Network Associates or approved 3rd functions on their own behalf with whom your ask for is shared to obtain your shopper credit rating report, and also to Make contact with you at the knowledge on file to acquire features for money merchandise or companies. You furthermore may present your express published consent to get phone calls and text messages, which include for marketing purposes, from FastLoanDirect, its Network Partners, and any approved 3rd functions calling or texting on their own behalf to Get hold of you at , manufactured by automatic usually means, like autodialers and prerecorded or synthetic voices although your amount is shown in any Federal, Point out or inner DNC record. Consent is not demanded as being a problem to work with our providers. It's possible you'll get in touch with (805) 429-6064 to speak with a buyer treatment agent. By clicking “Request Loan”, you consent towards the Conditions & Disorders, Privacy Plan, Credit rating Authorization, E-Consent, therefore you are furnishing penned Guidance beneath the Honest Credit score Reporting Act authorizing us and our Network Partners or authorized 3rd parties on their behalf with whom your ask for is shared to obtain your client credit history report, also to contact you at the information on file to obtain provides for financial solutions or services. 破產債權人（債主）依調協或破產程序已受清償者，其債權未能受清償之部分，請求權視為消滅，讓債務人可以重新立足於社會。 借貸時，銀行或借貸機構多數會依照以下最低條件來決定借貸人的申請資格： Speedy Loan Direct highlights the importance of an emergency fund and rapid monetary methods for immediate requirements. Quick Loan Immediate advises borrowers to know personalized loans, warning that making use of for the most volume can improve repayment burdens. The organization endorses analyzing repayment capability and loan requirement to harmony immediate demands with lengthy-expression challenges, advertising dependable borrowing. This data is utilized to forestall fraud. Lenders won't ever Make contact with your employer to reveal your loan inquiry. In case you are on Rewards, enter your Gains supplier's contact number. 卡數越滾越大，可考慮申請結餘轉戶貸款，以較低息貸款一次過清還高息信用卡數。 Adjustable-level home loans usually have additional favorable curiosity rates than preset-level mortgages, especially during the introductory time period. Immediately after the main 3 to ten years, the home finance loan charge variations determined by current market conditions and will go up or down depending on your loan documents. 客戶服務部份則是會比較取決於平台提供的品質，有些平台的服務提供可說是相當到位，不只能及時解決反應問題，在諮詢方面也都是非常全面。 Actions which can negatively effect your credit score history include missing Invoice or loan repayments, defaulting on your credit facility, or producing a large number of credit score apps in a brief period of time. The procedure differs by lender and economical scenario, but most qualified borrowers can near with a home finance loan loan inside of about thirty times. The typical loan closing time is just 21 times, even though each LendingTree and Rocket Home finance loan report that their loans normally shut inside 30 days. USDA Loans: The USDA also features a no-down-payment loan method. To qualify for this kind of home finance loan, you must get a home within a rural space. The USDA property finance loan also has greatest cash flow boundaries depending on Your loved ones dimensions and zip code. Like other loan kinds, prices will vary. Usually, the extended the time period, the greater interest are going to be accrued over time, elevating the total cost of the loan for borrowers, but decreasing the periodic payments. 貸錢旺提供多元化的貸款資訊，包含土地二胎、客票融資、支票借款等，不同的服務提供可滿足客戶多樣化的借款需求。 只要你無力還欠債，法庭就會依法頒破產令。不個如果個案有欺詐成份或轉移資產屬成份，違者會被刑事起訴。 This details is utilised to prevent fraud. Lenders won't ever Get hold of your employer to disclose your loan inquiry. If you are on Added benefits, enter your 由此可見，想借低息私人貸款，並確保申請過程順利，最佳方法是維持良好信貸記錄，並選擇用銀行作為您的貸款機構。 也因為靈活的資調調度特色，理財型房貸的利率會比一般房屋增貸來的還高，但卻比其他信用貸款方式來的低；因此建議只用來當作「短期」週轉或投資的資金來源。