[{"data":1,"prerenderedAt":38},["ShallowReactive",2],{"q-credit_adv_prac-25-021":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-25-021","25",21,"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？",[13,14,15,16],"設定金額應於抵押權設定契約書載明","一般金融機構皆以設定第一順位抵押權為主","最高限額抵押權一般以借款金額加二成為設定金額","最高限額抵押權之存續期限，實務上設定年限大多為五十年",3,"授信擔保品估價",1,"依民法規定，最高限額抵押權得約定確定債權的期日，但該期日自設定時起不得逾三十年，實務上金融機構多直接設定三十年，不可能出現五十年的存續期限，故 (D) 錯誤。(A) 設定金額是抵押權所擔保債權的上限，必須在抵押權設定契約書載明並辦妥登記才生效力。(B) 第一順位抵押權在拍賣分配時優先受償，銀行原則上只承作第一順位；若為次順位，須先扣除前順位金額評估可貸空間。(C) 為涵蓋本金以外的利息、遲延利息、違約金及實行抵押權費用，實務上以借款金額加二成作為設定金額。","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-24-021","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？",{"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？",22,1785170291331]