[{"data":1,"prerenderedAt":38},["ShallowReactive",2],{"q-credit_adv_prac-24-021":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","c7",{"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-24-021","24",21,"將擔保品土地與建物之價值以合併方式計算出，再乘以貸放成數，即為放款值，此合併鑑價法較適用於下列何者？",[13,14,15,16],"獨棟透天厝","廠房","別墅","公寓、大樓",3,"授信擔保品估價",1,"公寓、大樓屬區分所有建物，基地由全體區分所有權人按應有部分持分共有，單一戶的土地持分無法脫離房屋單獨處分，市場成交的也是房地合一的一個總價，因此把土地與建物價值合併計算後再乘上貸放成數求得放款值，最貼近實際變現情形，故 (D) 正確。(A) 獨棟透天厝與 (C) 別墅通常是完整一筆土地加上其上建物，房地可分別處分，實務習慣分別評估，建物還要另計耐用年限折舊。(B) 廠房坐落工業用地，建物有特殊結構與附屬設備，合併計價容易高估建物的變現價值。","medium",[23,27,31,34],{"id":24,"question":25,"qno":26},"credit_adv_prac-23-047","不動產估價師應用成本法估價時，勘估標的之總成本中，應包括下列何項成本及費用？ A.營造或施工費 B.規劃設計費 C.廣告費、銷售費、管理費 D.稅捐及其他負擔 E.資本利息、開發或建築利潤",47,{"id":28,"question":29,"qno":30},"credit_adv_prac-23-048","「指按工程概算項目逐項比較勘估標的與比較標的或標準建物之差異，並依工程價格及工程數量比率進行調整，以求取勘估標的營造或施工費」為下列何種估價方法？",48,{"id":32,"question":33,"qno":10},"credit_adv_prac-25-021","有關銀行辦理抵押權設定應行注意事項，下列敘述何者錯誤？",{"id":35,"question":36,"qno":37},"credit_adv_prac-25-022","有關有價證券（含股票）貸款業務，下列敘述何者正確？",22,1785170290885]