借錢門路有好多種:銀行貸款,民間房貸,房屋二胎,二胎增貸

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借錢門路有好多種:金主直營,銀行貸款,民間房貸,房屋二胎,二胎增貸

二胎|房屋二胎|2胎|房屋2胎|2胎房貸|鉅軒貸款|金主 > 房屋貸款

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提起借錢,上班族反應好極端,一係視借錢為洪水猛獸,一係借錢當作家常便飯。其實要好好利用借貸融資,不單要調整心態,更要了解那一類借錢門路最適合自己。

借貸離不開兩大類
借錢門路有好多種,但回歸原點,借貸離不開可抵押及無抵押兩大類。香港最常見有抵押貸款就係用磚頭做抵押品,例如你買樓申請按揭,就係用自己層樓做抵押,近年流行的二按,又或向銀行申請商業信貸,都需要用物業作抵押品。

至於大家熟悉的信用卡、私人貸款或現金透支,都屬於無抵押的借貸。無抵押借貸優點是門檻較低,不過息率就較高。不論是有抵押或無抵押按揭,一般都需要有一名擔保人,一旦債仔無力還款,這名擔保人就要上身。不過某程度上,你申請無抵押貸款時,就是以擔保人的信用及還款能力作為抵押品。

借錢,首先你要識……
近月多宗信貸黨騙案,受害者原來唔一定係等錢使的無產階級,當中不乏有樓揸手的退休人士,問題在於他們以往等錢使都只係問親戚借,絕少會向銀行借錢,結果接到扮銀行騙徒的「Cold Call」就即時中伏,反映即使你有錢亦未必識借錢,所以借錢前,必須先學識一些借貸豆知識。

第一樣要識的當然係息率,不少私人信貸或卡數套現計劃都會以特低月平息作賣點。所謂平息,理論上即是在還款期內,息率維持不變。例如借5萬元,每月平息為0.5%,分36期攤還,每月利息為$250,全期利息就係$9000。不過銀行除了收息,還會收取手續費,所以了解借貸的利息支出,應留意「實際年利率」(APR),現時銀行計算APR的公式是「月平息x還款期數x1.9」,以上述例子換算APR就高達34.2厘,接近信用卡罰息水平。

要知道借貸計劃的APR唔一定要自己計,銀行及財務機構都會在產品資料列明APR係幾多,只要留心APR數字,就知道這個借錢plan的利息成本。

第二係還款期,通常借貸產品都以特長還款期作賣點,目的係擊中你想攤長慢慢還的心理弱點。不過參考APR公式,你就知道還款期越長,利息開支就越「甘」。選擇長還款期另一要害係打亂你的理財部署,一日你仍在還私人貸款,你便有藉口減少儲蓄,結果一年後自己仍然未擺脫無錢剩惡運。

第三係借錢條款,借錢新手最常中伏的條款係遲還款及提早還款。如果你選擇的借貸計劃需要自己過數還錢,一時忘記過數,就要向銀行支付手續費及罰息,例如$200手續費再加該期還款金額x3%利息,如果年中被罰幾次,這筆錢足夠你買一張去台北機票有餘。由於還款期越長債主便賺得越多,你選擇提早還款債主當然不高興,所以銀行及財務機構都會收取提早還款手續費,例如貸款額2%加1%手續費,債仔更要退還回贈金額,所以選擇還款期時必須想清楚,同時留心提早還款的罰則。

借錢三大要訣
唔想墜入債務深淵,除了要了解借貸種類及入門知識,你借錢前亦要記著三大要訣。

我可以還幾多:借錢重點唔係自己借到幾多,而係自己有本事還幾多。簡單如卡數,當你發現卡數已累積至相等於自己半年年薪,其實已經響起警號,應立即積極著手減債。至於私人貸款,借錢前最好先制定一個自己應付到數目,例如攤分一年還款,每月還款額不超過收入五分一,才可以有效避免還款期內因為唔夠錢使又再錢新債的風險。
有無替代方案:所謂替代方案,其實大原則係可以唔借就唔借。進修、置業或因為突發事件需要用錢,借貸無疑是有效的解決方案。但投資、購買心水奢侈品其實沒有迫切需要,利用儲蓄達成心願,總好過借孖展或擦卡勉強上車。

捨易取難:當需要借錢時,自然會想手續越簡單、錢越快到手越好。不過一個電話就搞掂的貸款,不單利息會較貴,更可能會墜進收取大額介紹費及超高息的借貸陷阱。所以借錢之道還是捨易取難,需要一定手續及評估你的還款能力的借貸計劃,不單利息會較實惠,批出的貸款亦不會遠超自己可以承擔的能力,對自己亦多一份保障。


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二胎房貸是什麼?
完整解析申請條件、流程及常見問題

為什麼申請土地貸款過件率低?
「土地分類、貸款申請流程、如何提升過件率」


1. 在申辦貸款時,別聽信低利誘惑,衝動向非法單位辦理,一定要尋求專業合法的單位辦理,以免掉進不肖的黑心業者的圈套。 
2. 提醒您在簽訂契約時應詳細了解內容再簽立,勿隨意簽下空白契約和本票,以免造成終身遺憾。 
3. 本所為政府立案代書,擁有頂尖的代書團隊及專業的律師顧問,提供您安全的借貸平台,唯有合法的代書才能給您合法的利率。 
4. 本所以誠信保密為服務宗旨,針對客戶的相關資料及文件會妥善管理,辦理全程絕對保密,讓您安心放心週轉。

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Authorized and Recommended Vaccines A COVID‑19 vaccine is a vaccine intended to provide acquired immunity against severe acute respiratory syndrome coronavirus 2 (SARS‑CoV‑2), the virus causing coronavirus disease 2019 (COVID‑19). Prior to the COVID‑19 pandemic, there was an established body of knowledge about the structure and function of coronaviruses causing diseases like severe acute respiratory syndrome (SARS) and Middle East respiratory syndrome (MERS), which enabled accelerated development of various vaccine technologies during early 2020. On 10 January 2020, the SARS-CoV-2 genetic sequence data was shared through GISAID, and by 19 March, the global pharmaceutical industry announced a major commitment to address COVID-19. Currently, three vaccines are authorized and recommended in the United States to prevent COVID-19: Pfizer-BioNTech Moderna Johnson & Johnson / Janssen Different COVID-19 Vaccines The best COVID-19 vaccine is the first one that is available to you. Do not wait for a specific brand. All currently authorized and recommended COVID-19 vaccines: CDC does not recommend one vaccine over another. Vaccine Brand Name Who Can Get this Vaccine How Many Shots You Will Need When Are You Fully Vaccinated? Pfizer-BioNTech People 12 years and older 2 shots Given 3 weeks (21 days) apart 2 weeks after your second shot Moderna People 18 years and older 2 shots Given 4 weeks (28 days) apart 2 weeks after your second shot Johnson & Johnson’s Janssen People 18 years and older 1 shot 2 weeks after your shot 1. If you have had a severe allergic reaction (anaphylaxis) or an immediate allergic reaction to any ingredient in the vaccine you are scheduled to receive, you should not get that vaccine. If you have been instructed not to get one type of COVID-19 vaccine, you may still be able to get another type. 2. You should get your second shot as close to the recommended 3-week or 4-week interval as possible. However, your second shot may be given up to 6 weeks (42 days) after the first dose, if necessary. Pfizer-BioNTech COVID-19 Vaccine Overview and Safety General Information Name: BNT162b2 Manufacturer: Pfizer, Inc., and BioNTech Type of Vaccine: mRNA Number of Shots: 2 shots, 21 days apart How Given: Shot in the muscle of the upper arm Does NOT Contain: Eggs, preservatives, latex Full List of Ingredients [PDF – 6 pages] Who Should Get Vaccinated The Pfizer-BioNTech vaccine is recommended for people aged 12 years and older. Who Should NOT Get Vaccinated If you have had a severe allergic reaction (anaphylaxis) or an immediate allergic reaction, even if it was not severe: to any ingredient in an mRNA COVID-19 vaccine (such as polyethylene glycol), you should not get an mRNA COVID-19 vaccine.* or after getting the first dose of the vaccine, you should not get a second dose of either of the mRNA COVID-19 vaccines. An allergic reaction is considered severe when a person needs to be treated with epinephrine or EpiPen© or if they must go to the hospital. An immediate allergic reaction means a reaction within 4 hours of getting vaccinated, including symptoms such as hives, swelling, or wheezing (respiratory distress). If you aren’t able to get an mRNA COVID-19 vaccine, you may still be able to get a different type of COVID-19 vaccine. Possible Side Effects In the arm where you got the shot: Pain Redness Swelling Throughout the rest of your body: Tiredness Headache Muscle pain Chills Fever Nausea These side effects usually start within a day or two of getting the vaccine. Side effects might affect your ability to do daily activities, but they should go away in a few days. Moderna COVID-19 Vaccine Overview and Safety General Information Name: mRNA-1273 Manufacturer: ModernaTX, Inc. Type of Vaccine: mRNA Number of Shots: 2 shots, one month (28 days) apart How Given: Shot in the muscle of the upper arm Does NOT Contain: Eggs, preservatives, latex Full List of Ingredients [PDF – 6 pages] Who Should Get Vaccinated The Moderna vaccine is recommended for people aged 18 years and older. Who Should NOT Get Vaccinated If you have had a severe allergic reaction (anaphylaxis) or an immediate allergic reaction, even if it was not severe: to any ingredient in an mRNA COVID-19 vaccine (such as polyethylene glycol), you should not get an mRNA COVID-19 vaccine.* or after getting the first dose of the vaccine, you should not get a second dose of either of the mRNA COVID-19 vaccines. An allergic reaction is considered severe when a person needs to be treated with epinephrine or EpiPen©or if they must go to the hospital. An immediate allergic reaction means a reaction within 4 hours of getting vaccinated, including symptoms such as hives, swelling, or wheezing (respiratory distress). If you aren’t able to get an mRNA COVID-19 vaccine, you may still be able to get a different type of COVID-19 vaccine. Possible Side Effects In the arm where you got the shot: Pain Redness Swelling Throughout the rest of your body: Tiredness Headache Muscle pain Chills Fever Nausea These side effects usually start within a day or two of getting the vaccine. Side effects might affect your ability to do daily activities, but they should go away in a few days. Johnson & Johnson’s Janssen COVID-19 Vaccine Overview and Safety Johnson & Johnson’s Janssen COVID-19 Vaccine: CDC and FDA have recommended that use of Johnson & Johnson’s Janssen (J&J/Janssen) COVID-19 Vaccine resume in the United States, effective April 23, 2021. However, women younger than 50 years old especially should be aware of the rare risk of blood clots with low platelets after vaccination, and that other COVID-19 vaccines are available where this risk has not been seen. If you received a J&J/Janssen vaccine, here is what you need to know. Read the CDC/FDA statement. General Information Name: JNJ-78436735 Manufacturer: Janssen Pharmaceuticals Companies of Johnson & Johnson Type of Vaccine: Viral Vector Number of Shots: 1 shot How Given: Shot in the muscle of the upper arm Does NOT Contain: Eggs, preservatives, latex Full List of Ingredients [PDF – 6 pages] Who Should Get Vaccinated The J&J/Janssen vaccine is recommended for people aged 18 years and older. Who Should NOT Get Vaccinated If you have had a severe allergic reaction (anaphylaxis) or an immediate allergic reaction—even if it was not severe—to any ingredientexternal icon in the J&J/Janssen COVID-19 vaccine (such as polysorbate), you should not get the J&J/Janssen COVID-19 vaccine. An allergic reaction is considered severe when a person needs to be treated with epinephrine or EpiPen© or if they must go to the hospital. Experts refer to severe allergic reactions as anaphylaxis. An immediate allergic reaction means a reaction within 4 hours of getting vaccinated, including symptoms such as hives, swelling, or wheezing (respiratory distress). If you aren’t able to get the J&J/Janssen COVID-19 vaccine, you may still be able to get a different type of COVID-19 vaccine. Possible Side Effects In the arm where you got the shot: Pain Redness Swelling Throughout the rest of your body: Tiredness Headache Muscle pain Chills Fever Nausea These side effects usually start within a day or two of getting the vaccine. Side effects might affect your ability to do daily activities, but they should go away in a few days. Fainting After Vaccination Fainting (syncope) and other events that may be related to anxiety like rapid breathing, low blood pressure, numbness, or tingling can happen after getting any vaccine. Although uncommon, these events are not unexpected, and they are generally not serious. According to information from  the Vaccine Adverse Event Reporting System (VAERS),there have been 653 reports of fainting events(fainting and near-fainting) among nearly 8 million doses of J&J/Janssen vaccine administered in the United States in March and April 2021. This translates to a rate of about 8 fainting events for every 100,000 doses of the J&J/Janssen COVID-19 vaccine given. These events occurred during the recommended 15-minute wait after vaccination. It’s not clear at this time whether these events were associated with the vaccine or with anxiety, possibly related to preexisting concerns some people who chose to get the one-dose J&J/Janssen vaccine may have about needles or shots. By comparison, the rate of fainting after flu vaccination in 2019-2020 was 0.05 per 100,000 doses. Vaccines in Phase 3 Clinical Trials As of February 27, 2021, large-scale (Phase 3) clinical trials are in progress or being planned for two COVID-19 vaccines in the United States: AstraZeneca COVID-19 vaccine Novavax COVID-19 vaccine​ Learn more about U.S. COVID-19 vaccine clinical trials, including vaccines in earlier stages of development. This page will be updated as additional information is available. COVID-19 Vaccines for Children and Teens Although fewer children have been infected with COVID-19 compared to adults, children can: Be infected with the virus that causes COVID-19 Get sick from COVID-19 Spread COVID-19 to others. CDC recommends everyone 12 years and older should get a COVID-19 vaccination to help protect against COVID-19. Widespread vaccination is a critical tool to help stop the pandemic. Getting your child or teen vaccinated can bring you one step closer to enjoying the activities you miss. Children 12 years and older are able to get the Pfizer-BioNTech COVID-19 Vaccine.