[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-credit_adv_prac-25-023":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-25-023","25",23,"下列何種房貸還本付息方式，借款人於本金、利率相同情況下，第一期償付金額最少？",[13,14,15,16],"借款期間二十年，按月攤還本金","借款期間二十年，按月攤還本息","借款期間三十年，按月攤還本金","借款期間三十年，按月攤還本息",3,"消費者授信",1,"以本金一百萬元、年利率二%試算第一期償付金額。按月攤還本金者為本金÷期數＋當月利息：二十年是 1000000÷240＋1666.67＝5833.33 元，三十年是 1000000÷360＋1666.67＝4444.44 元。按月攤還本息者採年金公式 P×i÷(1－(1＋i) 的負 n 次方)：二十年為 5058.83 元，三十年為 3696.19 元。可見期數愈長每期分攤愈少，而本息平均攤還法把前期本金往後遞延，首期負擔又低於本金平均攤還法，兩項效果疊加，以 (D) 三十年按月攤還本息的第一期金額最少。","medium",[23,27,31,35,39,42],{"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":10},"credit_adv_prac-23-023","下列何者為「逆向抵押貸款」？",{"id":43,"question":44,"qno":45},"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？",24,1785170291353]