[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-45-067":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"credit_prac","初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_prac-45-067","45",67,"老王以其新購五層公寓之二樓建物作為購屋貸款之擔保品，該建物坪數為 40 坪，土地持分 1\u002F4，買賣價格為每坪 NT$50萬元，若貸放成數為買賣價格之八成，請問合併鑑價之放款值為新臺幣多少元？",[13,14,15,16],"400 萬元","800 萬元","1,600 萬元","2,000 萬元",2,"消費者授信",1,"合併鑑價指土地與建物合併按成交總價認定放款值,不必再把土地持分單獨拆算一次。買賣總價為每坪五十萬元乘以四十坪,等於二千萬元;貸放成數為八成,故放款值為 2,000 萬元 × 80% = 1,600 萬元,即 (C)。(A) 四百萬元約當總價的兩成,等於把貸放成數用反了。(B) 八百萬元係誤將坪數減半或另按土地持分四分之一分開計價所得,與合併鑑價的作法不符。(D) 二千萬元是尚未乘上貸放成數的買賣總價本身,直接當成放款值等於全額融資,不符八成的題示條件。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"credit_prac-45-031","金融機構辦理消費者貸款需要有良好的行銷策略，一般而言下列何者不屬於行銷策略的 4P 要素？",31,{"id":28,"question":29,"qno":30},"credit_prac-45-055","銀行在辦理中古車的汽車貸款時，對同一中古車的鑑價應採用下列何項金額為宜？",55,{"id":32,"question":33,"qno":34},"credit_prac-45-056","有關股票及有價證券貸款，下列敘述何者錯誤？",56,{"id":36,"question":37,"qno":38},"credit_prac-45-057","有關股票貸款維持率之控管，下列何者錯誤？",57,{"id":40,"question":41,"qno":42},"credit_prac-45-058","有關汽車貸款之敘述，下列何者錯誤？",58,{"id":44,"question":45,"qno":46},"credit_prac-45-059","房屋貸款辦理最高限額抵押權設定時，一般以借款金額加幾成為設定金額？",59,1785146813609]