[{"data":1,"prerenderedAt":99},["ShallowReactive",2],{"chapter-fin_plan_prac-c8":3},{"examName":4,"chapter":5,"questions":10},"理財規劃人員專業能力測驗——理財規劃實務",{"name":6,"sort":7,"count":8,"slug":9},"購屋規劃",8,25,"c8",[11,15,19,23,27,31,35,39,43,48,51,54,57,60,63,66,69,74,77,80,83,86,89,92,95],{"id":12,"qno":8,"question":13,"session":14},"fin_plan_prac-46-025","下列何者非為房貸轉貸之費用？","46",{"id":16,"qno":17,"question":18,"session":14},"fin_plan_prac-46-026",26,"有關房貸轉貸考量之因素，下列敘述何者正確？ A.利率差距 B.鑑價、代償及代書等轉貸費用 C.轉貸額度",{"id":20,"qno":21,"question":22,"session":14},"fin_plan_prac-46-027",27,"有關購屋或租屋之決策，下列哪些為使用淨現值法時需考慮之變數？a.折現率 b.未來各期淨現金流量 c.年限",{"id":24,"qno":25,"question":26,"session":14},"fin_plan_prac-46-028",28,"張先生申請房屋貸款 500 萬元，年利率 3%，貸款期間 20 年，約定採本利平均攤還法按年清償；其於償還第 7期本利和後，因急需資金旋即於原案項下增貸 50 萬元並將貸款期間由原先 20 年延為 25 年，其他條件不變。則至此之後，張先生每期所須償還之本利和為多少？（取最接近值）",{"id":28,"qno":29,"question":30,"session":14},"fin_plan_prac-46-029",29,"阿義目前有 100 萬元現金及每年投資 80 萬元，預計 3 年後要購屋，房貸利率 5%，借期 20 年，投資報酬率 6%，自備款三成，則 3 年後阿義至多有能力買若干金額之房子？（取最接近值）",{"id":32,"qno":33,"question":34,"session":14},"fin_plan_prac-46-030",30,"店面與辦公大樓估價時通常採收益還原法，設若台北市某辦公大樓樓層面積 100 坪，每月淨租金收入為 18 萬元，未來市場投資年收益率 6%，請問其合理總價為何？",{"id":36,"qno":37,"question":38,"session":14},"fin_plan_prac-46-031",31,"小連欲投資購買某店面以供出租，若該店面每年有 50 萬元淨租金收入，假設 15 年後該店面可以當時價格 500萬元出售，以每年投資報酬率 8%設算，小連最高出價金額為多少？（取最接近值）",{"id":40,"qno":41,"question":42,"session":14},"fin_plan_prac-46-032",32,"小周計劃以低利貸款貸 200 萬元，年利率 2.5%，信用貸款 100 萬元，年利率 6%及標會 100 萬元，年利率 8%，共計 400 萬元購屋，請問其平均借款利率為何？",{"id":44,"qno":45,"question":46,"session":47},"fin_plan_prac-47-014",14,"針對房貸負擔，應就下列何者參考數值投保遞減型房貸壽險，萬一保險事故發生，可用理賠金還清貸款？","47",{"id":49,"qno":8,"question":50,"session":47},"fin_plan_prac-47-025","有關不動產估價方法，下列敘述何者錯誤？",{"id":52,"qno":21,"question":53,"session":47},"fin_plan_prac-47-027","有關房屋貸款之敘述，下列何者錯誤？",{"id":55,"qno":25,"question":56,"session":47},"fin_plan_prac-47-028","小方申請房屋貸款 360 萬元，年利率 5%，期間 10 年，採本金平均攤還法按月共分 120 期清償，請問小方第 117期應償還之本利和為多少？",{"id":58,"qno":29,"question":59,"session":47},"fin_plan_prac-47-029","某房地產總價 800 萬元，可貸款 500 萬元，房貸利率 6%，若自備款的機會成本為 4%，請問其購屋年成本為何？",{"id":61,"qno":33,"question":62,"session":47},"fin_plan_prac-47-030","阮小姐目前年收入為 80 萬元，淨資產 150 萬元，計劃於 3 年後購屋。今其除淨資產外，另以年收入之 40%投資基金以籌措購屋自備款，假設年投資報酬率為 5%，則屆時累積之購屋自備款為多少元？（取最接近值）",{"id":64,"qno":37,"question":65,"session":47},"fin_plan_prac-47-031","假設房屋鑑價費用 5,000 元，代償費用 10,000 元，代書費用（包括設定及塗銷費）計 4,500 元，設定規費 6,000元，原有房貸提前清償違約金 15,000 元，土地增值稅 20,000 元，請問某甲計畫辦理房屋轉貸時，其應負擔費用總計為多少？",{"id":67,"qno":41,"question":68,"session":47},"fin_plan_prac-47-032","小儀計畫以勞工首次購屋貸款貸 250 萬元，年利率 3%，信用貸款 100 萬元，年利率 6%及標會 150 萬元，年利率 8%共計 500 萬元購屋，在其他條件相同情形下，請問其平均借款利率為何？",{"id":70,"qno":71,"question":72,"session":73},"fin_plan_prac-48-017",17,"在下列攤還方式下，何者可採年金方式計算？","48",{"id":75,"qno":17,"question":76,"session":73},"fin_plan_prac-48-026","有關契稅，下列敘述何者正確？",{"id":78,"qno":21,"question":79,"session":73},"fin_plan_prac-48-027","某甲從事傳銷業，常有額外收入來源，欲貸款購屋且希望利息費用能盡量低，則他應選擇的房貸型態為何？",{"id":81,"qno":25,"question":82,"session":73},"fin_plan_prac-48-028","有關抵利型房貸，下列敘述何者錯誤？",{"id":84,"qno":29,"question":85,"session":73},"fin_plan_prac-48-029","小張有一市價 1,200 萬元的房屋，想在 10 年後換購目前市價 2,000 萬元的別墅，假設房價每年以 3%成長，請問 10 年後換屋應補的房價為多少？（四捨五入至萬元）",{"id":87,"qno":33,"question":88,"session":73},"fin_plan_prac-48-030","小王向銀行辦理房屋貸款 400 萬元，貸款年率 6%，期限 20 年，按年本利平均攤還，請問每年須償還銀行本利金額多少元？（取最接近值）",{"id":90,"qno":37,"question":91,"session":73},"fin_plan_prac-48-031","小鄭申請房屋貸款 300 萬元，年利率 6%，期間 10 年，採本利平均攤還法按年清償，請問小鄭於償還第 4 期本息款後，其未清償貸款本金尚餘多少？（取最接近值）",{"id":93,"qno":41,"question":94,"session":73},"fin_plan_prac-48-032","店面與辦公大樓估價時通常採收益還原法，若台北市某辦公大樓樓層面積 150 坪，每月淨租金收入為 16 萬元，未來市場投資年收益率皆為 5%，請問其合理總價為何？",{"id":96,"qno":97,"question":98,"session":73},"fin_plan_prac-48-038",38,"小王申請房屋貸款 400 萬元，寬限期 2 年，採 1 年期平均定儲利率加碼 2%浮動計息之指數型房貸（假設 1 年期平均定儲利率為 1.725%，一年浮動調整一次），請問小王第一年應償還之貸款利息為多少？",1783434647117]