[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-23-020":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_adv_prac","進階授信人員專業能力測驗——授信實務","c4",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"credit_adv_prac-23-020","23",20,"有關消費者貸款本息攤還方式，在利率不變之情況下，下列敘述何者正確？",[13,14,15,16],"本息平均攤還，後期利息繳得多，而本金還得少","本金平均攤還，每期攤還利息相同","繳費初期本息平均攤還較本金平均攤還金額高","本息平均攤還，每期攤還金額不變",3,"消費者授信",1,"本息平均攤還以年金公式求出固定金額，每期繳款總額不變，其中利息隨本金餘額下降而遞減、償還本金逐期遞增，故 (D) 正確而 (A) 顛倒。以本金 120 萬元、月利率 0.5%、12 期試算：每期固定繳 103,279.72 元，第 1 期利息 6,000 元、還本 97,279.72 元，第 12 期利息僅 513.83 元。同條件下本金平均攤還每期還本 10 萬元，第 1 期繳 106,000 元、第 12 期繳 100,500 元，可見 (B) 利息遞減而非相同，(C) 初期反是本金平均攤還繳得多。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-019","有關消費者貸款之特性，下列敘述何者錯誤？",19,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-021","有關個人房屋貸款業務之投保事項，下列敘述何者正確？",21,{"id":32,"question":33,"qno":34},"credit_adv_prac-23-022","有關銀行辦理汽車貸款，下列敘述何者錯誤？",22,{"id":36,"question":37,"qno":38},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",23,{"id":40,"question":41,"qno":42},"credit_adv_prac-23-024","消費者貸款不符合核貸標準須再送往總行核貸者，如有超過成數規定、借款人信用有瑕疵等，稱之為何？",24,{"id":44,"question":45,"qno":26},"credit_adv_prac-24-019","依主管機關規定，有關信用卡業務之敘述，下列何者錯誤？",1785170290358]