室內裝修好幫手:內政部房屋修繕貸款(內政部營建署房屋修繕補助)

由 Mike Tsai 於 一, 2008/06/23 - 12:09pm 發表

經濟不景氣,如果想要透過住宅改造來解決家中的住宅問題。但幾十萬的修繕費用又造成家中資金運用的壓力時,或許可以考慮申請內政部的房屋修繕低利貸款。


內政部房屋修繕貸款以補助年所得最高不超過145萬(台北縣市,其他縣市往下調降,高雄地區105萬元,其他省轄市96萬元 )的家庭為主,屋齡需在十年以上。

申請通過者可以用最高約1.077的年利率來貸款(現在的郵儲利率為1.125%,by 98/02/20)最多八十萬的修繕貸款(營建署尚有針對其他弱勢族群則為更低的利率,詳見營建署網頁文件中附件五第二類)。而且攤還期限長達十五年,讓有需要的家庭透過此一貸款來解決家中的問題。

這個修繕主要的申請方式如下:

先下載申請書(營建署網頁下載目前無法使用)並備妥所需的相關文件(如房屋的權狀、戶籍謄本等,詳見營建署網頁第五點)

申請人填寫完之後,在申請截止日期前,將你的申請書及相關文件以掛號郵寄或送至你戶籍所在地之直轄市、縣(市)主管機關(各地主管機關名單)

接著你申請的機關會在兩個月內幫你完成審查,確認是否通過申請。

然後重要的來了:審查通過的家庭將由審查機關修繕住宅貸款利息補貼證明

然後你再憑著這個所謂的”補貼證明”在核發下來兩個月期限內去向承辦這個業務的銀行辦理貸款。(承辦銀行名單,文件中附件四)

接著呢,你要在六個月內完成你的住宅改造大業,但別忘了要在室內裝修進行的前後拍照檢附給貸款給你的銀行。

最後你們就可以以很低的利息慢慢還款並享受居家品質的提升了。

而當然你也可以申請銀行自行推出的修繕貸款,額度較高,最多可達數百萬元,但相對的利率也會較高。例如台銀的房屋修繕貸款目前利率為4.368%至4.768%。

最後補充一點:這個貸款96年度的申請期限到6/30為止。97年度的將於7/15號開放申請。

97年度的申請已於98/02/25截止,有興趣申請的版友請密切注意新年度的申請時間!
 

98年度的申請即將開始 , 受理時間從7/15到8/14 ,請洽各地主管機關!

99年度的申請已確認時程 ,是從 7月五號 到 8月 13 號受理第一批,有興趣的板友 可以先下載表格研究並準備相關文件!

營建署99 年度修繕貸款問與答

申請表下載,請按此

 

100 年修繕貸款申請請參考下面網址: 申請時間從 7/5 到 8/15 為止!

http://www.cpami.gov.tw/chinese/index.php?option=com_content&view=article&id=11136&Itemid=5#a2

-------------------------------------------------------

最後,補充一下

修繕補助匯整,可以參考:

修繕補助

 

 

廁所有臭氣問 題,請看宜修網廁所臭氣修繕通

宜修網修繕通: 廁所臭氣哪裡來? 要怎麼解決?

 

 

回應

Re: 室內裝修好幫手:內政部房屋修繕貸款

以下是今天的新聞,今年的修繕低利貸款申請15號就要開始了
雖然說因為前陣子利率調動 因而利率高了點
但其實還是很低的
有修繕需求的朋友不妨考慮去申請

購屋、修繕貸款 利率最低2.192%   2008.07.10

房貸利率看漲,想節省房貸支出,銀行業者昨天,由營建署主辦的購屋、修繕貸款,下周二(15日)起接受申請,因現行利率最低2.192%、最高2.767%,在房貸中最優惠,近來民眾詢問度高。

銀行業者表示,這項由政府補貼利息的97年度購置住宅,及修繕住宅貸款,申貸者只要符合中低收入、單親家庭等條件者,目前利率僅2.192%;已婚或單身滿40歲者,現行利率2.767%。

在貸款額度,銀行主管說,房貸每戶最高可貸220萬元,名額限30,000戶;修繕貸款最高80萬元,名額僅5,000戶。

不過,銀行業者提醒民眾,政府雖公告申請期限是自7月15日起至8月15日止;但依以往經驗,只要還有名額,內政部還是會重新開放給申請,民眾沒有必要因而急著買房子。

在修繕貸款方面,銀行主管說,凡是屋齡超過10年者,就可申請最高80萬、現行利率最低2.192%、最高2.767%的房屋修繕貸款。

http://udn.com/NEWS/STOCK/STO10/4419620.shtml

 

BBS上都找不到這一則新聞

先前我花了很多時間在PTT之類的BBS網站上找尋相關新聞,都找不到資料。還是宜修網專業,提供了修繕貸款的詳細資訊,早知道我也不用讀這篇BBS介紹資料,省去一點時間。 現在房價那麼高,房子真的沒辦法說換就換,老房子住久了總是會有一點問題,漏水、管線老舊、外牆剝落...有預算的話真的要好好修繕一番才是。

Re: BBS上都找不到這一則新聞

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