[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s2-10-031":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"senior_fin_s2","高齡金融規劃顧問師資格測驗——第二節","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"senior_fin_s2-10-031","10",31,"有關中央銀行 113 年 10 月 09 日公布「中央銀行對金融機構辦理不動產抵押貸款業務規定」（以下簡稱本規定）之協處措施，下列敘述何者錯誤？",[13,14,15,16],"自然人因繼承取得之房屋及房貸，不計入「本規定」之房屋數及房貸戶數","自然人有房屋者，因有實質換屋需求，經與承貸金融機構切結約定後，新申辦之第 1 戶或第 2 戶購屋貸款，得排除「本規定」之適用","自然人申辦財政部青年安心成家購屋優惠貸款，不受「本規定」第 1 戶購屋貸款及第 2 戶購屋貸款限制","自然人申辦購屋貸款雖屬高價住宅貸款，仍可排除適用「本規定」",3,"高齡金融相關商品",1,"央行不動產抵押貸款規定的協處措施只放寬「非投機性」的購屋需求，(D) 所稱高價住宅貸款並不在排除之列——高價住宅本就是選擇性信用管制的核心標的，成數受限且無寬限期，不因協處措施而豁免，故 (D) 錯誤而為本題答案。(A) 因繼承取得的房屋與承受的房貸屬非自願取得，央行明定不計入房屋數與房貸戶數。(B) 有實質換屋需求者，只要與承貸金融機構切結於一定期間內出售原屋，新申辦的第 1 戶或第 2 戶購屋貸款可排除適用。(C) 財政部青年安心成家購屋優惠貸款屬政策性貸款，央行明示不受第 1 戶、第 2 戶購屋貸款限制。","hard",[23,27,31,35,39,42],{"id":24,"question":25,"qno":26},"senior_fin_s2-10-029","有關小額終老保險的敘述，下列何者正確？",29,{"id":28,"question":29,"qno":30},"senior_fin_s2-10-030","有關實支實付型與日額型的敘述，下列何者正確？",30,{"id":32,"question":33,"qno":34},"senior_fin_s2-10-049","重大疾病保險的保障範圍通常包含下列哪一項？",49,{"id":36,"question":37,"qno":38},"senior_fin_s2-10-050","減額繳清保險會造成下列何種現象？",50,{"id":40,"question":41,"qno":26},"senior_fin_s2-8-029","採用第六回經驗生命表計算出來死亡保險的保費金額，會比用第五回經驗生命表算出來的保費金額高或低？",{"id":43,"question":44,"qno":30},"senior_fin_s2-8-030","有關長期照顧保險，約定範圍包含生理功能障礙及認知功能障礙，其對於障礙之定義，並不包括下列何者？",1784944958743]