[{"data":1,"prerenderedAt":47},["ShallowReactive",2],{"q-credit_prac-46-061":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-46-061","46",61,"有關房屋貸款同額轉貸，下列何者無法顯示借款人對房屋「捨棄意願」低？",[13,14,15,16],"房屋為借款人自住","房屋裝潢花費相當金額","房屋設有第二順位抵押權","原房屋貸款其已繳納相當金額的本金及利息",2,"消費者授信",1,"同額轉貸最怕借款人繳不下去時乾脆棄屋，審核時要找出讓他捨不得放棄房屋的因素。(C)房屋設有第二順位抵押權，代表借款人已把剩餘的擔保價值再度變現，自有權益比重下降，一旦房價下跌，棄屋的實際損失反而有限，不但顯示不出捨棄意願低，還是應提高警覺的負面訊號。(A)自住房屋一旦喪失即無處居住，另覓住所的成本與不便都高。(B)已投入可觀裝潢費用，這筆支出無法隨屋帶走，放棄等於全數泡湯。(D)已繳納相當本息代表累積不少自有權益，棄屋等於把過去的付出一併賠掉。","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？",59,1785146814311]