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宣導 林燕玉 - 人事室 | 2017-08-25 | 點閱數： 998

主旨：104年至107年「貼心相貸」-全國公教員工消費性貸款，經公開徵選由臺灣土地銀行股份有限公司(以下簡稱土地銀行)承作，請同仁參考運用。
說明：
一、「貼心相貸」-全國公教員工消費性貸款(以下簡稱本貸款)，原由臺灣中小企業銀行依約承作至104年6月30日止，經重行辦理公開徵選金融機構承作後，由土地銀行獲選接續為公教同仁提供服務，辦理期間自104年7月1日至107年6月30日止，為期3年。
二、本貸款相關規定如下：
(一)貸款對象：中央及地方各機關、公立學校及公營事業員工(含育嬰留職停薪人員、連續服務滿1年之約聘僱人員)。
(二)貸款利率：依中華郵政2年期定期儲金機動利率加0.505%(目前為1.880%)。
(三)相關費用：一次手續費(開辦費)新臺幣(以下同)1,000元，及票信查詢費每人次100元。
(四)貸款期限：最長為7年。
(五)貸款額度：借款人加計其他金融機構同性質貸款，合計每月應攤還本息之金額不得超過每月俸給總額三分之一，且於全體金融機構之無擔保債務歸戶後之總餘額，除以月平均收入，不得超過22倍。
(六)保證責任：借款人借款金額逾80萬元者，應提供不動產擔保或自行覓妥1位一般保證人，該一般保證人需由中央及地方各機關、公立學校或公營事業機構員工(由機關、學校、公營事業機構出具在職證明書)且符合授信標
準之人員擔任，並附一般保證責任。
三、辦理方式：請洽土地銀行各分行辦理，查詢網址:http://www.landbank.com.tw/ ，洽詢電話：02-2314-6633或0800-231-590。
四、其他：
(一)本貸款係徵選最優惠貸款條件之金融機構，轉介予公教員工，貸款資金由金融機構自行籌措，利息由借款人負擔，本總處不負補貼之責。
(二)如因本貸款發生任何糾紛，應依契約及相關法令規定解決，本總處不涉入處理。
(三)本貸款係由土地銀行負貸款風險，並於上開貸款期限及貸款額度內，依借款人條件評估其核貸期限、額度，爰土地銀行就本貸款具有准駁及核定期限、額度之權利。
 

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XOOPS Boot 使用 0.012 秒來載入。
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XOOPS output init 使用 0.020 秒來載入。
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Page rendering 使用 0.003 秒來載入。