【2021貸款全都錄】合法專業金融貸款公司 助您貸的輕鬆 貸的方便!

古有云:人是英雄錢是膽,就算是英雄也有被一文錢逼死的時候,但有時候人總是會有急需的時候,若不想和親人或朋友借錢,找銀行又被拒,若您被一家銀行貸款婉拒不代表其他銀行也會婉拒,你當然可以一家家嘗試,直到找到喜歡你的銀行,但無形中聯徵查詢次數已經過多,就算你條件再優質收入再高也是枉然。

所以只要找到 “真正專業的貸款顧問”協助,再一次分析評估你的情況,辦理貸款還是有機會過件的,貸款雖然有十多家銀行可以挑選,但選擇貸款銀行可千萬不能只憑直覺廣告吸引、朋友介紹,因為每一家銀行貸款門檻不同爭取的客群不同,要求也就不一樣,許多人只會找信任的銀行或利率低的銀行。

往往卻忽略” 貸款過件並貸到要的金額及最合算的利率才是重點 “

賺錢不容易,借錢更要精打細算 ! ! 越來越多人在問  ”  如何跟銀行貸款 , 如何整合負債 ”   ? 銀行貸款的確解決資金難題最好的方法 ! ! 但銀行貸款方案這麼多,負債整合條款又複雜,款額度 . 貸款利息 . 債務問題 . 這些條件都要顧慮到,太多資訊反而讓人眼花撩亂 ! 不知如何是好 ! 其實初次貸款者 ,只要用對方法. 找對專業的貸款顧問就能幫你貸款輕鬆繳,債務煩惱一次OUT !

找尋對的貸款資訊及輕鬆貸款沒煩惱?

第一招 免費諮詢. 蒐集資訊 

要仔細篩選,找到對的貸款顧問,重點是要免費諮詢,不然貸款前就先繳錢. 冤大頭不是你還有誰 ? 建議推薦的公司每家免費諮詢表得都填一次。蒐集數據極大化. 才能多家比較,貸款資訊一個不漏

  • 1. 怎樣貸才貸得出來
  • 2. 怎樣跟銀行借錢速度最快
  • 3. 怎樣貸利率低
  • 4. 每月付的利息錢不會造成你的負擔

只要到他們網站填寫免費諮詢表格 ,馬上會有專人跟您連絡,注意諮詢是免費的。

第二招 千萬不要自己比較利息 !

多次多家送件可能會被銀行 ”徵聯 ”信用會扣分再扣分 ! 除非您現在熟識的銀行中針對您個人能提供明確的貸款金額及利率,此時可以做比較外,若不確定情況下而送件多家銀行,就有可能會被銀行 ”徵聯 ”信用會扣分。

為什麼聯徵次數過多會影響貸款的審核結果?因為只要你申請過一次貸款,銀行就會調查你的聯徵紀錄,而銀行查詢的動作,會在聯徵上有所註記,一間銀行查過就註記一次,三間就註記三次! 而信用貸款是以客戶的信用為擔保所申辦的貸款,銀行基於風險管理,會以「聯徵次數」來審核客戶的貸款申請。

要找” 專業貸款顧問 “大數據分析一次到位,找到低利息. 低月付的方案才是硬道理 !還在只跟一家銀行比較 ? 當冤大頭都還不知道 !!給自己一點時間冷靜思考、精打細算,才能全面評估哪家推出的方案才是最適合你的。

第三招 與銀行協商貸款. 交給專業 

偷偷告訴你銀行貸款不能說的秘密

  • 1.最優惠的利息 : 不會告訴你. 只推目前利潤最高的方案 !
  • 2.最寬鬆的年限 : 不會告訴你. 只希望你趕快把貸款繳完 !
  • 3.最高的貸款額度 : 你大戶嗎 ? 醒醒吧 ! 你沒有資格貸 !

就因如此,我們才需要專業的人員. 為我們上前線與銀行廝殺,而我們就坐享其成,等待銀行撥款,規劃美好的未來。借錢要找到對的專家 !

第四招 與合法金融機構貸款, 千萬別和地下錢莊或高利貸借錢

第四招,我認為反而是最重要的一招,因為和地下錢莊或高利貸借錢,就算借到錢,單單還利息就能讓您傷筋動骨,甚至永世不得翻身,如何辨別呢?合法的金融機構最常見的就是銀行了。提醒您,在進行任何的借貸前,記得先看看是否有以下4種情況. 如果有任一符合,就有可能是遇上詐騙陷阱或非法高利貸業者: 

1.利率太高昂
民間貸款利率一般會比銀行稍高,但如果高過合理範圍,甚至超過法律規範,就絕對不正常。合法經營的私人借貸公司其月息約1~3%左右,有些不肖業者會利用將貸款門檻放低的聲東擊西法來讓申貸人忽略利率過高的問題,雖然錢是借到了,但沉重的利息負擔將會讓你無法喘息。 

2.條件太簡單
坊間那些打著什麼資料都不需要,沒工作也沒關係,只要提供身份證、健保卡就能借款的公司,絕對不是合法立案的民間貸款公司!而是高利貸。畢竟光憑證件要如何判斷申貸人的還款能力?至少也會要求提出工作滿3個月的證明,沒有賺錢怎麼還錢? 

3.流程太草率
為了降低款項收不回來的風險,正常的民間貸款業者並不會來者不拒,仍然需要經過正規的申貸流程,包括:諮詢/瞭解需求、送件、評估、審核、設定(如果有擔保品)、對保/簽約,最後才會撥款。雖然流程比銀行簡便不少,但如果簡便到完全省略,請留心,可能遇上詐騙了! 

4.事先要求提供存摺、印章、提款卡
合法的貸款公司在放款前不會向申貸人收取任何費用,對保前也不會需要提供身分證證件,更絕無需要存摺培養進出記錄這種事!在尚未確定核貸之前,貸款公司不該要求申貸者寄送私章、提款卡、存摺正本等資料,而是應以影本為主,如果對方要求先寄出提款卡或存摺做財力證明,絕對是詐騙集團不要上當!務必謹記不先支付任何費用、不郵寄存摺、對保完拿到現金才交付提款卡這3點,才能降低被詐騙的機率。

 

推薦七家專業的 ” 免費諮詢管道 ” 顧問公司

專家在哪呢 ? 最好是免費諮詢才是王道 ! 其中再推薦給各位七家非常專業的 ” 免費諮詢 ” 專業的金融貸款顧問公司,這七家金融顧問公司都是協助您向銀行貸款,其公司本身並非貸款單位公司,所以沒有高利貸的問題,金融貸款顧問公司是協助您向銀行貸款或債務整合只要你想跟銀行借錢 , 你想知道以你目前的情況

  • 1. 怎樣貸才貸得出來
  • 2. 怎樣跟銀行借錢速度最快
  • 3. 怎樣貸利率最低
  • 4. 每月付的利息錢不會造成你的負擔
  • 5. 債務太多還款壓力太大,債務整合壓力是否能減輕
  • 6. 原來房貸是否還能二次貸款

只要到他們網站填寫免費諮詢表格 ,馬上會有專人跟您連絡只要跟他們說你 ” 有貸款需求 ” , 它們就會免費為你找尋適合的方案就算評估之後不適合 , 不貸款也是不用收費喔 ! 一般都是協助銀行核貸後顧問公司才會收取手續費。

當您有貸款需求要填寫免費諮詢表格時,要注意名單的資料正確性,消費者必須符合以下要求

  • 1 個人資料於推廣表單填寫資料完整(含個人姓名、電話及電子郵件),且為本人填寫
  • 2、本人年齡須滿20歲役畢,未滿60歲
  • 3、符合基本申貸條件 : 工作需滿3個月,且有勞保/薪轉/扣繳憑單,如沒有明確工作證明,名下需擁有不動產(房子/土地) 或動產(機車,汽車等) 

若沒有工作或不動產、動產,基本上會較難貸到錢,畢竟銀行也擔心成為呆帳。

9595助貸網

有鑑於目前市場上的貸款服務公司,素質良莠不齊,為了生意大做行銷,請名人代言或打廣告,這些費用所費不低,而羊毛出在羊身上,廣告費轉嫁到貸款客戶的身上,結果就是服務費大增,動輒十幾%的服務費,最後造成貸款客戶負擔大增,9595助貸網為了您的需求,將不需要的費用回饋給有急需資金的您,只收取合理的服務費,並且承諾客戶核貸前一律不收任何費用,服務項目包含:房屋貸款,房屋二胎,房屋轉增,企業貸款,票貼,個人信貸,新車貸款,中古車貸款,攤販貸,軍公教貸款等,所有案件皆有專人服務以及專業的案件審查,迅速幫您解決您急需資金的問題。

因目前已經與五十家以上銀行通路合作,因此可幫您比較更多方案,提供更多選擇,9595助貸網給您的承諾就是[除了最低利率、最高額度、最適合您的方案,其餘一概不要],相信把使您頭痛的各種理財問題交給我們,9595助貸網一定會給您最滿意的答案。 個人隱私是本公司最注重的細節,故本公司給每一個客戶承諾,承辦過程絕對保密,結案後也不留下任何客戶的個人資料。一定讓您放心託付,貸您所需,安心理財。

可參考右方文章介紹=>【金融貸款九五至尊】9595助貸網 救我救我 房貸信貸首選!

理債一日便

理債一日便為合法成立的全方位金融貸款和理財規劃顧問公司, 希望可以讓每一位我們的客戶依照他們的能力條件與需求, 在「愛、關懷、包容」的理念下,來解決他們的問題、 滿足客戶需求與減輕沉重的負擔。

理債一日便配合全台各家銀行,掌握資金脈動,是您最佳銀行解決方案 專業線上諮詢全台不漏接,北中南據點在地化服務,資金追尋不再遙遙無期,理債規劃師專人1對1服務,量身打造最合適方案,幫助您申貸不落空,值得您的信賴。

OK忠訓國際

我們經營的不是貸款的服務,是給人走下去的希望
我們靠的不是金融機構的資金,而是給予熱誠的陪伴

OK忠訓國際整合消費者的需求,以龐大的消費力來爭取較低的優惠利率,幫助消費者減輕沈重的利息負擔。十餘年來,OK忠訓國際用心的長期經營金融服務團隊,在專業領域大幅提升知名度,平均四位以上專業人員服務一位客戶,包含客服、諮詢師、規劃師、債管師等,用心做到專業分工、專人專責的目標,給客戶細心而有保障的服務內容,使客戶獲得財務、人生自由,並在專業合約委託書的保障下,讓客戶安心無後顧之憂。

潮霖資產有限公司

金融領域如同一片大海,讓有借貸需求的民眾在汪洋中找不到方向,無法前往確定的路途,而潮霖資產就是精準的掌舵者,指引迷途的借貸人乘風破浪,解決財務問題。

潮霖資產公司將每一位客戶視為家人與朋友,耐心傾聽屬於您的故事,從您的角度出發,以【累積數十年的專業理財/理財貸款代辦諮詢顧問】的經驗為主原料,佐以【同理心】的調味配方,在透過一對一服務的客服專員,與銀行貸款專業評估師的協同合作之下,細心的替客戶們烹調出一道道美味獨享的【理債/理財方案佳餚】,我們持續誠信原則,追求互惠互利的環境下共成長,共同度過金融難關,請深信擁有專業貸款經驗的我們《潮霖帶您,負債朝零》

TW-EZ loan台灣簡單貸

「TW-EZ loan台灣簡單貸 」成立於2014年,公司為恆生金融科技股份公司,
在眾多的貸款顧問公司中,雖然沒有大量的廣告曝光,
但這6年來,時時秉持著農夫精神,一步一腳印,一分耕耘一分收獲的服務宗旨,
協助所有需要幫助的借款人,並透過不斷的產品創新、優質的客戶服務讓借款人對貸款產業有更深入的瞭解,已達到更高的貸款過件率以及貸款的透明化,
讓借款人與台灣簡單貸之間沒有距離。

速配貸

「速配貸」是台灣金融產業裡,少數以專業及服務領先的企業之一,不僅企業金融服務具備專業能力,同時擴大服務領域至個人理財與理債領域,扮演著為消費者守護權益的角色,希望在未來的日子裡,可以帶給客戶的服務不僅是雙方的銀貨兩訖,更是一種真正足以讓人感動的貼心往來。擁有全台銀行貸款資訊,掌握最新方案,為您量身篩選最速配方案線上專業諮詢,即時了解您的資金需求,專業服務值得信賴全台積極拓點,為您提供最立即的服務。

UrBank 企業貸款

Logo

公司的經營者在2003年時就投入貸款諮詢的產業中,擁有長達10幾年的服務經驗,曾經歷台灣景氣變遷、卡債風暴、房價的黃金十年與 SARS 房價崩壞期。一路走來,使得我們更能體會客戶面對生活上各種困難時的無奈、絕望與不知所措,秉持著同理心,我們願意在客戶最艱難的重要時刻,給予最大的協助。

「以人為本,全方位理財」是我們公司的理念。對於每位客戶,我們堅持讓專業的貸款規劃師從客戶諮詢到完成規劃貸款方案全程陪伴,我們希望不只是協助客戶單純解決借貸的問題,更希望藉由客製化的銀行商品服務,讓客戶可以得到比自己找銀行更好的結果。

金融詐騙常見手法請注意

小心千萬不要沒借到錢,還賠了夫人又賠兵,可參考下方OK忠訓國際作的影片來參考,避免陷入詐騙集團的陷阱中。

貸款會被婉拒的主要理由

信用卡循環問題

包括信用卡動用循環過高、預借現金或是有循環金額轉分期還款、以及信用卡有超額刷卡(爆卡)。因為長期循環會造成信用評分過低此類問題通常是想要申請貸款的最大困擾!!

帳戶月光族問題

存摺沒有存款代表您無法順利支付貸款下來的貸款月付金銀行有倒債的風險故月光族客戶列為高風險原則上不承作

近期信用聯徵查詢

由於銀行會有限制聯徵中心對於您的信用查詢的次數一般來說銀行限制近三個月內3次但有些銀行則只要你有” 自行查詢紀錄 “(即自行到聯徵中心調閱聯徵報告)就予以婉拒!!

信用評分問題

這部分分成銀行內部評分不足和聯徵中心評分不足銀行內部評分不足銀行內部系統會依據客戶條件做出評分,若評分過低則不予核貸!!

聯徵中心評分不足,聯徵中心會依據個人與銀行往來的狀況做出評分有些銀行是依據此評分來做出核准與否的依據有些銀行則僅參考此一評分!!

負債過高

包括每月的收入要償還貸款的比例過高名下總負債高於金管會規定的22倍限制某些銀行不承辦代償案件、有房貸或車貸造成月付金也會被拒絕

繳款不佳(信用瑕疵或不良)

信用卡、信貸或現金卡有遲繳記錄、曾經有嚴重繳款不佳記錄內部記錄曾有問題因為從前與某家銀行往來的記錄不佳而造成無法貸款有些銀行則會因為配偶曾經與該銀行往來繳款信用不佳而無法貸款(查配機制)!!

職業收入

各家銀行願意或不願意承做的職業類別不同,比方說有些銀行可以承做保全人員,但有些保全人員則不予承做。另外,倘若你收入不明確,也會造成你無法順利貸款。

聯徵中心信用狀況問題

曾經有信用不良紀錄或配偶有信用不良紀錄雖然已經繳清但是聯徵中心依然還有紀錄造成無法貸款。或者曾經有當保人因被保人遲繳造成保人信用問題。

上面符合你的選項越多,申請的難度就越高 不過請一定要記住就算你曾遭到銀行婉拒,此時你更應該諮詢專業的金融貸款專家,如此才是王道。

在〈“【2021貸款全都錄】合法專業金融貸款公司 助您貸的輕鬆 貸的方便!”〉中有 76 則留言

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