<p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="mso-bidi-font-size: 12.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">經濟日報【楊筱筠】</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">土地銀行下半年將拚都更市場，根據內部規劃，未來擬推出更新委員會都更放款設計，讓住戶組成的更新委員會可跳過建商直接與銀行接觸，以欲都更大樓信託抵押，完成貸款，進而完成大樓都更。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">土銀也是國內針對都更商機，推出新方案的第二家公股行庫。土銀主管指出，過去都市更新自主更新案例，一般都是建商當實施者，也就是通常是建商向銀行融資，但土銀研擬的新方案，讓更新委員會直接向銀行接觸借貸，再委託營造廠更新大樓。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">土銀主管解釋，一般房貸信託流程，客戶必須備齊自備款，但假設是住戶組成的更新委員會，常會面臨各住戶自備款金額不同，甚至有些住戶沒有能力準備自備款，土銀希望研擬新方案，更新委員會將土地信託給銀行，不但能分散銀行貸款風險，也能完成大樓都更。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">不過，土銀主管也指出，銀行也可能遭遇都更大樓無法順利興建完成的風險，目前正進行風險研擬，希望能在確保銀行貸款下，協助自家大樓都更的更新委員會完成目標。</span></p> <p class="MsoNormal" style="margin-top: 9.0pt; mso-para-margin-top: .5gd; text-align: justify; text-justify: inter-ideograph; line-height: 23.0pt; mso-line-height-rule: exactly;"><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">此外，台灣銀行</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi;" lang="EN-US">6</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">月初推出老屋重建條例方案，符合</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi;" lang="EN-US">30</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">年以上的老屋或鑑定為危險的建築，就可以申請，最高可獲得全額貸款，利率最低</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi;" lang="EN-US">2.3%</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">，喊出備妥</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi;" lang="EN-US">1,000</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">億元優惠貸款銀彈，協助危險及老舊建物加速重建，提供重建總戶數上看</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: 'Arial',sans-serif; mso-fareast-font-family: 微軟正黑體; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi;" lang="EN-US">2</span><span style="font-size: 13.0pt; mso-bidi-font-size: 11.0pt; font-family: '微軟正黑體',sans-serif; mso-ascii-font-family: Arial; mso-hansi-font-family: Arial;">萬戶。</span></p>