[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-23-023":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-23-023","23",23,"下列何者為「逆向抵押貸款」？",[13,14,15,16],"修繕貸款","抵利型房貸","法拍屋貸款","以房養老貸款",3,"消費者授信",1,"一般房屋貸款是先撥一筆本金，再由借款人逐期償還，債務餘額隨時間遞減；逆向抵押貸款的現金流方向剛好相反，高齡者以自有住宅設定抵押後，由銀行按月給付生活費用，債務餘額隨給付累積而逐月遞增，待借款人身故或契約屆期，再以處分房屋的價金清償，國內即以「以房養老」貸款的名稱推出，故 (D) 正確。(A) 修繕貸款是一次撥貸供裝修使用的消費性貸款。(B) 抵利型房貸是以存款餘額折抵計息本金以節省利息。(C) 法拍屋貸款只是擔保品來自法院拍賣標的，三者都是正向的傳統房貸架構。","easy",[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-23-020","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？",20,{"id":32,"question":33,"qno":34},"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":36,"question":37,"qno":38},"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":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？",1785170290400]