#小額借款

[a2302000]

南投當舖推薦首選｜草屯台新當鋪

南投汽機車借款｜草屯汽機車借款

政府立案 息低保密 合法經營 親切服務

汽機車借款你必須要知道的五件事

南投當鋪推薦 台新當舖 台新汽車借款、低利息、免留車、原車可用、分期車可借、有借過可再借。

台新當舖位於：南投縣草屯鎮博愛路 555號（SUZUKI旁）

借款專線：[phone] 服務不打烊！

以前有聽過人家說汽車有貸款時是負資產，當你在手頭緊或急用的時候，你可以用車子向當鋪借款，這是所有貸款中審核最快速的方法！而且草屯台新當鋪可讓您原車可用，汽機車都可以繼續開，不用放在那邊抵押。不會影響到平常上下班等等代步。也就不用再擔心借款需要什麼抵押品了。人手一台汽車或機車，即可讓您活用資金、幫助您隨時周轉。

推薦南投當鋪-台新當鋪是因為服務態度親切好商量。真的有幫我度過難關。所以在此推薦給大家。

以下是汽車借款的介紹：

汽車借款有以下幾種情況，大家可以評估看看適合用哪一種借款。

➤ 貸款車：有辦車貸的車子。雖然車子權利屬於原貸款銀行，不過經由民間汽車借款公司估算車輛的現值後，仍可以辦理借款。

➤ 原車貸款：車輛無任何貸款。向借款公司辦理貸款，車子不需抵押可以繼續用。

➤ 公司車貸款：營業用車輛，需準備的資料較多。

汽車借款注意事項

辦汽車借款首要條件：你必須要有一台車，借款多少錢、怎麼還款、試算利率等等都是你該注意的事項。

➤ 借貸者：年滿18歲之國民。

➤ 車種：國產車、進口車、貸款車(分期車)、公司車、中古車，不分新舊皆可辦理。

➤ 汽車借款利率：利息以政府公告之「單利計算」，一般月利率是1%~2.5%不等，不可用機動利率與復利計算。

➤ 額度：一般可借車價全額，最高可借款車價1.5 ~ 2倍或更高金額。

➤ 擔保：免保人、免聯徵、免房保。

➤ 還款方式：按月繳息、彈性還款、先繳利息、本金續用、一次結清、分期攤還都可以。

✦南投汽車借款/草屯機車借款/需要準備什麼資料➤ 自用車輛：

1.車主身份證、駕照/健保卡。(雙證件)

2.汽車行照。

3.進口車或雙B車輛須備海關及完稅證明。

➤ 營業用車輛：如果使用公司車辦借款，需準備

1. 負責人身分證。

2. 公司營利事業登記證。

3. 最近一期營業稅單(401報表)。

4. 公司大小章。

5. 汽車行照。

6. 車主聯。

7.進口車或雙B車輛須備海關及完稅證明。

✦ 申辦流程

直接到草屯當舖推薦-台新當舖/台新汽機車借款，申請，沒有繁瑣的手續，最快可當場放款。

營業時間：週一至週日 08:30-00:00

服務項目：

🚗汽機車借款

💎黃金、名錶、鑽石、3C產品

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💴代辦支客票貼現

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🏭企業工商週轉

💰薪轉借款

📱手機借款

服務地區：

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☎[phone]

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地址：南投縣草屯鎮博愛路555號（新大觀市場旁）

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[vivifinance]

小額借款利息高嗎？立即了解

對於需要快速獲得現金的人來說，小額借款可能是一個不錯的選擇。不過，一些人可能擔心小額借款的利息會很高。我們的公司提供了各種不同的小額借款選項，讓客戶可以輕鬆地選擇最適合自己的選項。我們的利率不僅合理，而且比市場上許多其他貸款公司更低。此外，我們的貸款選項也非常彈性，讓您可以根據自己的需要調整貸款金額和償還期限，以確保您能夠輕鬆地還清貸款。我們的網站提供了詳細的貸款資訊和利率計算器，讓您可以立即了解您的貸款利息和還款計劃。如果您需要小額貸款，請立即訪問我們的網站，了解更多關於我們小額借款的詳細信息。

#小額借款 #清卡數貸款

[moneyhand]

📣 汽車二胎，車車照常使用喔❗ 📣 貸款車，分期車【可以再借】 汽車、機車>> 轉現金🆗 免求人！ 優良商家❤️【誠意】用心服務 顧客至上，從您的角度設想 提供最適合您的方案👍👍👍

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謹慎理財 信用至上 1.還款期數: 最低3期-最長60期 (以月計算) 2.利率/總費用年百分率(以當舖法規定為準) : 月息最低1%~最高2.5%[年利率最高30%] (提早結清以日計算，無違約金) 例如；借款一萬元，月息100~250元 3.無任何代辦手續費 4.依據個人工作、薪水及各項負債授信條件不同，而有所差異

#汽車借貸 #增貸 #機車借貸 #合法借款 #周轉 #轉當降息 #汽車二胎 #機車二胎 #��北當舖 #車貸 #合法借錢 #當舖推薦 #公營當舖 #台北當鋪 #代償 #小額借款 #士林當舖 #大同區當舖

[bben8072]

洗大佐，唔洗愁

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Whatsapp：[phone]

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本公司保留一切有關批核借貸申請之權利。

忠告 : 借錢梗要還 咪比錢中介

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[yj-finance]

機車貸款是個方便的金融工具

機車貸款是一種金融工具，允許個人或業主購買新的或二手機車，並在一段時間內分期還款。無論您是計劃購買一輛全新的機車還是升級您目前的車輛，機車貸款可以幫助您實現這一目標。以下是有關機車貸款管道的詳細資訊：

1. 融資公司： 融資公司通常是獲得機車貸款的最常見管道之一。它們提供多種貸款選擇，包括不同的貸款期限和利率。申請機車貸款時，您需要提供您的個人和財務信息，並根據您的信用評分和財務狀況來決定您的資格。通常，信用較好的借款人可以獲得更優惠的利率。

2. 機車經銷商： 許多機車經銷商提供內部融資選擇，稱為經銷商金融。這些貸款通常可以在購買機車時即時處理。經銷商金融有時會提供特別的促銷和利率，但您應該仔細比較它們與其他選項的利率和條款。

3. 在線貸款平台： 許多在線貸款平台和財務科技公司提供機車貸款選項。這些平台通常提供方便的申請過程，並可以快速批准貸款。您可以在線填寫申請表格，提供必要的文件，然後等待批准。這種方式可能適合那些希望避免到實體銀行或經銷商的借款人。

4. 貸款經紀人： 貸款經紀人是專業的中介機構，其實也可以稱之代辦公司，可以幫助您找到最適合您需求的機車貸款。他們了解不同的貸款選擇，可以協助您比較利率和條款，並幫助您申請貸款。然後，他們會將您的貸款申請提交給多家貸款機構，以增加獲批准的機會。

無論您選擇哪種管道，請務必仔細比較不同的機車貸款選擇，包括利率、貸款期限、還款方式和條款。了解您的財務狀況，確保您有能力按時還款。此外，防範不必要的附加費用和隱藏的成本，以確保您獲得最有利可圖的貸款交易。最後，選擇一個貸款管道時，請仔細閱讀並理解貸款合同中的所有條款和條件，以確保您的權益受到保護。

#機車借款 #機車貸款 #小額貸款 #機車貸款推薦 #機車貸款管道

[meerkatouo]

小額借貸好安心，新手請進

你是否聽過小額借貸呢?

跟銀行借款的差別在它不用經過複雜的審核

是一種民間貸款的方式

那該怎麼借貸，有哪些推薦的管道

來這邊看看吧！

小額借貸的6大方式！原來它條件最寬鬆、利息最低？

優質娛樂城平台 → FA8娛樂城

高準確度天天樂報牌 → 免費天天樂報牌

延伸閱讀：

打臉90%的人，百家樂贏錢公式就在這！

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#小額借貸 #銀行借款 #民間貸款 #借貸

[ringcan2]

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Finding the time to be extremely well-informed about specifics of the professional real estate market you are searching into can be your best road to good results. There are numerous aspects to consider and several potential routes to pick. If you use the tips on this page you are going to more quickly attain your goals.

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[reasonchief5]

Charge Card Ideas You Should Not Ignore

A lot of people have lamented that they can have a hard time handling their credit cards. Exactly like the majority of things, it is less difficult to control your charge cards successfully in case you are built with sufficient information and direction. This information has plenty of tips to help you handle the charge card in your daily life greater. Make sure you shell out your repayment from the thanks time to boost your credit ranking. Almost any later monthly payments will in a negative way influence your credit rating position, and may lead to pricey costs. Establishing a computerized settlement timetable with your bank card firm or lender can help you save time and expense. To actually aren't having to pay a lot of for a superior greeting card, make sure the visa or mastercard will not need you to shell out an annual cost. The charges for high quality charge cards can range from the little bit into a huge sum for the way a lot of charge cards the corporation concerns. If you do not need to have a greeting card that may be distinctive, don't obtain one. Using this method you will prevent the costs. Shop around for any credit card. Interest levels and terms may differ extensively. Additionally, there are various greeting cards. There are actually protected cards, credit cards that be used as mobile phone phoning greeting cards, credit cards that let you possibly fee and spend afterwards or they sign up for that cost from your accounts, and greeting cards applied only for recharging catalog products. Meticulously glance at the offers and know what you need. To make the best choice about the best visa or mastercard for you, evaluate precisely what the interest rate is amidst numerous credit card choices. When a credit card includes a high rate of interest, it indicates which you pays a greater attention costs on the card's overdue equilibrium, which can be a real burden on your own budget. When you have multiple greeting cards that have a balance on them, you need to avoid obtaining new cards. 跟家人借錢 Even when you are paying out every thing again by the due date, there is not any explanation for you to get the risk of receiving one more card and producing your finances any further strained than it already is. Bank cards tend to be important for young adults or lovers. Even if you don't feel comfortable positioning a substantial amount of credit score, it is essential to actually have a credit account and possess some activity working through it. Opening and taking advantage of a credit rating accounts helps you to create your credit history. When evaluating a new card, locate one which includes low interest and charges. There are plenty of cards that don't feature an annual payment, so buying one that does is foolish. If you have a charge card, include it into the monthly spending budget. Price range a certain quantity that you are currently monetarily able to wear the credit card monthly, and then spend that volume away at the conclusion of the 30 days. Try not to let your charge card balance at any time get earlier mentioned that sum. This can be a great way to always pay your charge cards off of entirely, letting you make a great credit score. There are various sorts of credit cards that every feature their own personal advantages and disadvantages. Prior to deciding to decide on a banking institution or specific visa or mastercard to utilize, make sure to fully grasp all the fine print and concealed charges associated with the numerous credit cards available for you to you.

Discover a charge card that advantages you to your spending. Spend money on the credit card that you would need to invest anyhow, like gas, food and even, bills. Spend this card away every month as you may would all those monthly bills, but you can keep your advantages like a bonus. Usually do not utilize your a credit card to cover fuel, garments or household goods. You will find that some gas stations will charge more to the gasoline, if you decide to spend with a charge card. It's also a bad idea to make use of credit cards for such goods as these items are what exactly you need usually. Using your greeting cards to pay for them will bring you into a bad habit. It is very important generally assess the costs, and credits that have published to your bank card accounts. Whether you opt to authenticate your bank account activity online, by reading through pieces of paper claims, or making confident that all charges and monthly payments are demonstrated accurately, you may prevent high priced problems or unneeded fights with all the cards issuer. Shred older charge card statements and claims. It is possible to obtain an inexpensive home office shredder to deal with this. All those invoices and assertions, typically include your visa or mastercard number, and if a dumpster diver happened to acquire your hands on that variety, they could make use of your credit card without your knowledge. Discuss to get a much better monthly interest, specifically if you happen to be together with the firm for a long period. Make contact with the business that concerns your credit card, you might be able to buy them to lower your amount. In case your monthly payments have always been timely and you have been a great customer, you stay a good chance of being granted a lower APR. Near credit card credit accounts that you simply don't use. Experiencing numerous unused greeting cards makes identity theft less difficult. You could be incurred charges yearly having a credit card that you're not employing. 金主放款 Lots of banks will no longer issue protected bank cards, but it is common to find them on offer via credit history unions. If you wish to sign up for a secured visa or mastercard, it is possible to available your account using a lending institution and take full advantage of whichever cards they feature.

Attempt your very best to utilize a prepaid bank card if you are producing on the internet transactions. This helps to ensure that you do not have to worry about any robbers accessing your true credit card information and facts. It will be much better to bounce back when you are scammed in this kind of condition.

As was discussed earlier in the following paragraphs, there are several concerns that folks come across when confronted with credit cards. Nevertheless, it is much easier to deal with your unpaid bills properly, should you know the way the credit card business plus your monthly payments job. 車貸設定費 Use this article's advice plus a better bank card potential is nearby.

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When You Want Thorough Info On Consolidating Debts, Read Through This

Fixing the problem of overwhelming outstanding debts can often appear to be an impossibility. Nevertheless, so long as you make time to teach your self about consolidating debts alternatives and concepts, there really is wish. Read on to determine things to look for and what to do to make sure a guaranteeing economic the next day. Pursuing consolidating debts, budgeting your money smartly will help you keep upcoming debts to a minimum. A lot of people get in over their heads by over investing with credit cards, so find out to use cash you may have as opposed to borrowing. This will also help you to be worthwhile your debt loan consolidation lending options and enhance your credit history. Don't have a look at debt consolidation being a terrible issue you are undertaking by itself. This really is a genuine frequent situation. Huge numbers of people have been precisely where you stand at this time, and they've made it through. Realize that going in. It's nothing to get proved helpful up about. Channel that possible anxiety in the correct action techniques to move forwards. Use personal bankruptcy being a negotiation tool. Creditors prefer to get a selection of their money back than get nothing in any way. Make sure they know that when your debt should not be reduced, you will likely need to file a bankruptcy proceeding. 私人小額借款 This could spur the lender to resort to an even more positive affect that reduces the debt due. Look for the seek advice from of your consolidation services. 汽車借貸 Speaking with a credible company relating to your debts may help you create in which you stand. They could help you realize that your position is not as bad as you may expected. You may even realize that the debt is greater than you treatment to cope with by yourself, which might timely you to move ahead with all the service. Work out how your rate of interest will likely be formulated for your personal consolidating debts. Fixed interest rates are a perfect alternative. Along with them, the velocity you pay through the entire complete time you will find the financial loan continues to be the same. Avoid rates which can be changeable when obtaining debt consolidation planned. These rates can improve after some time.

If you choose to enter into a consolidating debts agreement using a firm devoted to this kind of preparations, ensure the terms and volume of your repeating payments are positioned to your levels that you could realistically respect each month. The final thing you should do is commence lacking debt consolidation repayments, as that fundamentally defeats the complete purpose of your selection. Should you be unable to control a variety of obligations and satisfy your settlement requirements each month, you might want to look at debt consolidation loans. This can be a popular way to minimize several monthly bills and payments into an inexpensive single payment per month. Often you are going to have your overall personal debt reduced with debt consolidation. Can their service fees be explained effectively and recognized? In case the debt consolidation company's fees are difficult and never effortlessly recognized, then there is reasons with this. Do not drop victim to one of these simple companies, but alternatively find a services that is going to in advance and then make stuff easier. 在線借錢 Take into account contacting a buyer credit history therapist before signing the dotted range on a debt consolidation loan. A lot of people reach for the borrowed funds too rapidly and fail to consider it by way of. A favorable credit specialist will show you how you acquired into the debts along with the simplest ways of dealing with it, which might or might not be around a debt consolidation personal loan. Ask the debt debt consolidation to list their providers in creating. By necessitating a legal deal stating precisely what the debt consolidation company is to accomplish, make no mistake that all of your specifications are outlined and finished. This legal commitment could also shield you if you find yourself being forced to search for legal advice from the consolidating debts company. For those who have an equity credit line which can be protected from your home, think about taking out the collateral you will need to help you pay off your other obligations prior to getting a debt consolidation loan. For those who have sufficient to eradicate more compact debts, you will end up having to pay a lot less every month, departing a lot more to set down on your greater obligations. Prior to signing up for just about any lending options, talk with a debts therapist. They are aware what alternatives you have available for you and will be able to walk you through your choices. Try to find an individual with a decent reputation and check out reviews online to make certain you don't get a scammer. Evaluate which a consolidating debts could do to suit your needs with regards to cost savings. Start by introducing up the equilibrium due and curiosity paid to each creditor. Assess this with just how much your debt loan consolidation will definitely cost to determine if this is a wise decision. Browse the countrywide accreditation organizations which can be found and choose a personal debt management company from their stands. These companies vouch for his or her members, so you can be sure that any business which works together with them will likely be on the up or higher. This is very important when confronted with such dire economic issues. Get your credit report before reaching with a consolidating debts professional. Show them your credit score to present them a sense of what your own scenario is like. It will be easier for your personal specialist to help you if they can get a full notion of what amount of cash you owe. Before you choose to complement a consolidating debts business or financial loan, be sure that you understand the direction they operate. Sure, you might have a lower monthly payment after consolidating the debt. You may pay out a reduced interest. But, the explanation for these positive aspects would be that the expression of the bank loan, or re-repayment period, is for a longer time. For that reason, you can expect to gradually shell out much more to escape debt. In case you are struggling with apparently insurmountable financial debt, you might be not by yourself. But, you need to understand that there actually are consolidating debts prospects which can help a good deal. With any good luck, the recommendation previously mentioned has shown you things to defend from and things to search for when creating most of these monetary selections.

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When You Need Complete Data On Debt Consolidation Loans, Check This Out

Dealing with the matter of overpowering fantastic financial debt can often look like an impossibility. 汽車借貸 Nevertheless, provided that you spend some time to instruct oneself about debt consolidation loans options and ideas, there actually is hope. Continue reading to learn what you should watch for and what to do to guarantee a guaranteeing financial down the road. Adhering to debt consolidation loans, budgeting your money smartly can help you keep future debts to a minimum. Many people get in above their heads by more than spending with credit cards, so learn to use funds you possess rather than borrowing. This will also help you to repay the debt consolidation financial loans and boost your credit score. Don't look at debt consolidation as a unpleasant issue that you will be performing by itself. This really is a actual typical circumstance. Lots of people have been exactly where you stand today, and they've made it through. Know that moving in. It's absolutely nothing to get worked up about. Funnel that possible stress and anxiety into the correct action techniques to maneuver frontward. Use individual bankruptcy like a negotiation device. Loan companies would prefer to get a selection of their cash back than get nothing whatsoever. Tell them that when your debt can not be lowered, you will likely have to document bankruptcy. This can spur the lender to turn to an even more satisfactory give up that cuts down on the financial debt due. Seek the consult of your loan consolidation service. Talking to a trustworthy business concerning your personal debt may help you determine that you stand up. They may support you realize your situation is not as bad when you anticipated. 金主放款 You might also learn that the debt is greater than you proper care to cope with on your own, which might timely you to definitely move ahead with all the assistance. See how your interest is going to be created for your personal consolidating debts. Repaired interest levels are an excellent alternative. Using them, the speed you pay throughout the total time you will have the bank loan continues to be the same. Steer clear of rates of interest which can be adjustable when obtaining consolidating debts planned. All those interest rates can improve over the years. If you choose to get into a consolidating debts arrangement with a organization specializing in this kind of preparations, ensure that the phrases and level of your continuing obligations are positioned to a level that you could reasonably recognition each and every month. The very last thing for you to do is begin missing out on debt consolidation repayments, as that generally defeats the full function of your choice. Should you be struggling to handle different debts and satisfy your repayment responsibilities on a monthly basis, you may want to take into account debt consolidation loans. This can be a preferred method to lessen a number of expenses and obligations into an inexpensive one payment per month. Sometimes you are going to have even your overall debt reduced with consolidating debts. Can their service fees be described correctly and recognized? In case the consolidating debts company's fees are complicated instead of easily understood, then there is reasons with this. Tend not to drop prey to one of these businesses, but alternatively locate a assistance that will beforehand making issues easier. Look at contacting a buyer credit counselor before signing the dotted line with a debt consolidation loans bank loan. Many individuals grab the money too rapidly and neglect to consider it by means of. A favorable credit therapist will teach you how you will got in the personal debt along with the most effective ways of coping with it, which may or may not be with a debt consolidation financial loan. Ask the debt debt consolidation to list out their providers in creating. By needing a legal contract stating precisely what the debt consolidation loans clients are to perform, make no mistake that all of your demands are identified and completed. This legitimate contract can also safeguard you if you end up needing to search for lawful advice up against the debt consolidation company. In case you have an value line of credit that is guaranteed by your residence, think about taking out the collateral you have to enable you to pay off your other debts prior to getting a loan consolidation bank loan. For those who have ample to remove small financial obligations, you are going to find yourself paying less every month, making more to place down on your greater outstanding debts.

Before you sign up for almost any personal loans, speak to a debts therapist. They understand what possibilities available for you for your needs and should be able to walk you through your alternatives. Seek out someone with a great standing to check out reviews online to be sure you don't get a scammer. Determine what a debt consolidation loans could do to suit your needs when it comes to price savings. Start by including in the stability to be paid and interest compensated to every single creditor. Compare this with just how much the debt debt consolidation costs to determine if this is a good option. Browse the countrywide documentation companies which exist and select a financial debt administration company from their rates. These organizations vouch with regard to their people, so you can be assured that any organization which works together them will be about the up and up. This is very important facing such serious fiscal problems. Get your credit track record prior to meeting by using a debt consolidation loans professional. Show them your credit track record to present them an idea of what your current situation is like. It will be simpler for your therapist to assist you to when they can get a full thought of what amount of cash you owe. Before you choose to complement a debt consolidation company or bank loan, be sure that you comprehend the direction they job. Yes, you may have a lesser monthly instalment following consolidating your debt. You might even pay out a lesser interest. 借貸 But, the real reason for these advantages is the word of the bank loan, or re-payment time, is longer. As a result, you will ultimately spend a lot more to escape personal debt. In case you are dealing with apparently impossible debts, you might be one of many. But, you should also realize that there really are debt consolidation prospects that can help a whole lot. With any good luck, the recommendations over indicates you things to defend from and what to look for when creating these sorts of financial choices.

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[carolwriter8]

Ideas That Will Help Eliminate The Pressure And Stress Of Offering Your House

If you're struggling to get best dollar for that house you're promoting, then it may be a complete waste of time as well as resources to even listing it on the market. If you want the most worth away from your residence, be sure to look into the residence-marketing suggestions in this post to assist you in the process. You should work with your very own real estate agent to fully handle your case. A broker that actually works for the shopper as well as the vendor can possibly use a clash useful. Request close friends to advise a realtor for you. Job interview several substances and make sure you are more comfortable with the person you decide on. An informed broker is surely an very helpful resource. If you are staging your own home for viewings, try to take away as many things from your house as you can, even if your loved ones remains occupying the property. When you maintain your house wide open and airy for possible consumers, it makes it much simpler so they can visualize their very own home furniture within the space. 借錢 In addition, when you load up and retailer a great deal of your possessions ahead of time, it will be easier to vacate if the time comes. Tossing a special wide open home get together ensures that no one is planning to ignore your home available for purchase. Think about how many homes possible purchasers will certainly see and exactly how quickly the memory space of the drab, boring observing will fade. Make an impression with excellent meals, very good songs as well as a huge exhibiting to maintain your open up property get together refreshing within their thoughts. Make your Open up Residence attractive to potential buyers by cooking a batch of biscuits. The olfactory senses of your respective customers will be pleased, along with your home will instantaneously feel more desirable. Fresh flowers can have similar attraction. Be aware when utilizing powerful air fresheners even so, as around fragrant properties can make a buyer away. Make little upgrades to your house just before listing it out there. A residence that has been taken care of properly demonstrates that you may have accomplished the project needed to keep the residence in great situation when you resided in it. When the house shows sign of ignore, it may discourage the customer from making a very good offer.

Property owners should screen their renters. Look at the tenant's credit score, request references, and do a criminal history check out. This can help you to know those who are residing in your qualities, and give you a solid idea of their amount of reliability. Forgoing the backdrop verify may conserve time, but in the long run it might cost a lot more than the time savings will be worth. Pre qualify possible buyers to ensure that they are able to pay. Discussing the regards to marketing a property might be long and slow. By far the most annoying factor is to pass through that entire method and discover the buyer cannot receive his mortgage loan. Before you decide to spend the time utilizing an individual, spend some time to get them pre certified. When would-be home purchasers check out a property the very first time, they frequently try out all the changes, knobs, faucets, and kitchen cabinets. 合法借錢管道 Produce a positive first impression by making positive all taps and lighting fixtures are clear, polished, and fully functional. Modest issues or cosmetic imperfections can readily add up inside the brain of your potential shopper. When adding your home in the marketplace to sell, take the time to completely nice and clean your house. Ensure that you scrub the microsoft windows from the within as well as the outdoors, clean your roof fans and scrub each and every surface on the family fridge. Executing these duties, in addition to a variety of other considerations, will provide consumers an incredible initial effect of your residence. Have a log of your actions which you have taken up sell your residence. Keep track of what your stop target is, the showings you have got, what individuals have informed you relating to your residence, what folks have offered and whatever you have invested so far. Experiencing this stuff in composing gives you a more clear photo of where you have been and where you are going. In relation to offering or a investing in a residence, no doubt is stupid to inquire about an agent. By not asking them questions, you might turn out burning off out on the ideal residence or selling your property under conditions you do not go along with. Recall, a real estate agent pays to please you! 機車借款 Online investigation is a crucial part of selecting a real estate agent. There are several score and review websites where by people talk about their experience with various agencies. You can look your community to learn which agencies get the greatest ratings and the majority of beneficial critiques, or take a look at a particular representative to find out how good they can be examined. While you are getting the property ready available for purchase, make sure you look at your doors and windows to be sure that they function effectively. A damaged window is unpleasant, and yes it generates an impact for the shopper that you just failed to take good care of your residence. Squeaky windows and doors might be bothersome. These nuisances are very easy to resolve. For that reason, tend not to allow these minimal specifics build a negative effect. You shouldn't quickly believe the assessment you receive is definitely the true worth of your home. There are lots of factors considered when an appraisal is completed consequently, you could have two different appraisals accomplished and so they could well have distinct appraised values. When you are putting your residence up for sale, you need to receive an correct calculate of your own home's worth. The way to do this is to experience a property professional conduct a market place assessment of your place and the need for your house in the present real estate weather conditions. These guidelines you only go through were made to assist you acquire a edge against your competitors in the real estate market because it holds nowadays. Make sure that you start using these recommendations if you want to obtain the most importance out of your residence. Deciding for anything at all less can be a spend and you ought to never need to negotiate, from the beginning.

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[vivifinance]

特快私人貸款 需要甚麼才能成功申請

"特快私人貸款 申請前請先確保你符合借款者資格，每個貸款者訂立的資格都不一樣，但總括來說，申請人最起碼要是年滿十八歲的香港永久居民，並且月入達$5000以上。 請先確保你有以下的申請文件： 身份證明： 一般來說，你可以出示香港身分證 香港銀行戶口有效住址證明：出示可以證明你住址的文件﹝例如近期的銀行月結賬單、租約或水電費單﹞ 有效在職證明：帶同可以證明你收入的文件，白領藍領可以以最新的工資單或強積金單作證明，而自由職業者或自雇人士可以以公司的銀行存摺證明近三至六個月的收入情況。最新的稅單則不論白領藍領還是自雇人士，也能作收入證明。。"

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[moneyhand]

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[chsdfa]

財富、國籍無人知----謎一樣的蔡氏家族

說起蔡英文家族，這個臺灣「第一家族」的財富一直是個謎，島內最常用的形容詞是富裕、低調和反中。

之所以說蔡英文一家富裕，在於其父蔡潔生「生財有道」，積累了大量的財富。曾在蔡家工作的臺北巿議員林瑞圖說，賺到錢之後，蔡潔生認為「有土斯有財」，所以做起了土地投資。他買土地，卻從不蓋房子，有賺就脫手。據媒體報導，蔡潔生在20世紀60年代就是臺北市納稅前十名的富豪。蔡潔生於民國95年（2006年）去世，享年88歲，留下了高達6264萬元(新台幣)的現金、15萬股公司股票、債權56.75萬元以及多處土地、物業。蔡潔生生前就利用子女名義購買土地，在其過世後這些土地自然就歸其名下的11個子女所有。根本無人知曉蔡潔生購買了多少土地，更難以知曉這些土地價值幾何。總統大選前，蔡英文向臺灣中選會申報的財產資料顯示，她有上億身家，堪稱史上最有錢的臺灣總統候選人。

除此之外，蔡英文家族的事業、身價究竟還有多少？外界還是所知有限。

除了潔生投資（現富鈦投資）、臺懋生技，及宇昌生技，蔡英文家族最主要的產業，分別為「正中企業」和「東道有限公司」。兩家公司主要的經營業務，包括投資觀光旅館之相關經營專案與休閒活動、練習場、運動器材等館場業，及汽車零件配備、加油站業務等。

蔡英文一直持有「正中企業」不小的股權，民國89年（2000年）她擔任「陸委會主委」期間，該公司曾一度增資，蔡英文的持投也從原本的40萬元（新台幣）成長十倍，增加至400萬元。至於「東道有限公司」的持股，則是她在接下「陸委會主委」後，才持有110萬元。

兩家公司的地址，都在臺北市中山北路上的海霸王，董座分別是蔡英文的三哥蔡瀛南，及大她6歲的姐姐蔡英玲；創辦人則皆為蔡英文的父親蔡潔生。海霸王目前仍有部分樓層面積，保留予蔡英文家族使用，包括辦公室、會議廳等。蔡英文在該處也有自己的一個辦公室，在她擔任公職後，僅在晚間及週末時，才會前往這個家族的辦公室處理相關事務，甚至以前連她愛開快車被開的罰單，也都會寄到這裏。

海霸王的現址，其實至今仍算蔡家的所有地。據瞭解，蔡潔生早從光復前後就開始投資房地產，往後十年間，他所持有的地產約漲了七倍，除了海霸王現址外，東區漢宮大廈及前今日百貨等地，蔡父都曾投資過。

據東森新聞報導，蔡英文家族財產，主要財富集中在3家公司，分別為正中企業股份有限公司（法人代表：蔡瀛南，董事：蔡瀛明、莊自立、莊榮德、蔡瀛陽，監察人：林秀琴。公司所在地：臺北市中山區中山北路3段59號）、東道有限公司（法人代表：蔡瀛陽，公司所在地：臺北市中山區中山北路3段59號）及富鈦投資股份有限公司（法人代表：譚雯栩，董事：蔡瀛陽、張柏年，監察人：徐永秀。公司所在地：臺北市北投區石牌路2段321號1棟）。位於中山北路上的海霸王一度誤傳是由蔡英文家族所經營，後來證實蔡家只是出租房地。海霸王這處房地產地段精華，價值上億，不過這只是蔡英文家族財產冰山一角，其中的正中企業及東道公司才是重點，分別由蔡英文哥哥蔡瀛南、大姐蔡英玲經營，以土地房屋出租跟加油站設備出租為主。富鈦投資，則是由蔡英文的嫂嫂譚雯栩掛名負責人。

富鈦投資又成立了臺懋生技，臺懋生技再投資蔡英文任董事長的宇昌生技，與此同時，富鈦投資又直接投資了浩鼎生技，富鈦投資是浩鼎生技的第五大股東。最後宇昌生技和浩鼎生技都由潤泰企業接盤。這幾個公司都和臺灣翁啟惠、陳良博、何大一、李遠哲、陳建仁以及尹衍梁有密切的關係。

民國96年（2007年）成立宇昌生技的創始人除了蔡英文，還有陳良博、何大一。陳良博是臺灣科學家，中研院院士，專長於細胞生物學，是美國哈佛大學醫學院病理學退休榮譽教授，也是第一個獲得哈佛大學退休榮譽教授（Emeritus）頭銜的臺灣人。何大一是愛滋病雞尾酒療法的發明人，作為美籍華人，他同時還是美國科學院院士，中國大陸工程院外籍院士，臺灣中研院院士。翁啟惠，是宇昌生技案主要推手，國際知名化學家，民國95年（2006年）擔任臺灣中研院第9任院長、民國100年（2011年）連任，至今仍是臺行政院生技產業策略咨議委員、臺生技醫療產業策進會會長，牢牢掌握臺灣生物科技政策的方向盤，也正是他和陳良博、李遠哲邀請蔡英文出任宇昌科技首任董事長。同時，翁啟惠在民國105年（2016年）還捲入曾經與其主管的中研院有密切合作關係和資金往來的生物科技公司浩鼎生技的案件中，翁借用其女兒和另一股東的名義，大肆購買浩鼎的股票，經法院裁定金額高達1億6000餘萬元新台幣，而且這筆錢他號稱是從富豪尹衍梁那裏借來的。在宇昌生技民國96年（2007年）成立的關鍵時刻給予援手的還有時任臺灣「國科會」主委陳建仁，也就是民國105年（2016年）蔡英文首奪「總統」大位時的「副總統」搭檔。

之所以說低調，在於外界對蔡英文家族成員知之甚少。不只投資有道，蔡潔生情史也相當豐富。外界僅知道蔡潔生的戶口配偶欄一直是空白，但其4個「女朋友」為其生了11個小孩。蔡英文家族親戚眾多，但每一位都異常「安靜」，「低調到不能再低調」，從不接受採訪。堂姐蔡薰慧、侄子蔡元仕，在紛亂的司法界「大隱隱於市」。蔡英文家族那麼有錢，發跡史始終是個謎。對於如何發財致富，蔡家也一直是三緘其口，頂多是以老八股的方式予以回應，即：早年通過改修汽車得第一桶金、後參與買賣土地致富等等。臺灣社會不斷要求蔡英文公佈家庭相關資訊，但蔡卻一直以個人隱私為由加以拒絕。臺灣「第一家族」的秘密，蔡英文不說，蔡家人不談，可能沒有人會知道，因此蔡英文家族被認為是「謎一樣」的家庭。

蔡潔生過身時，配偶欄仍空白，身後留下的龐大遺產。民國105年（2016年）3月中旬，臺灣媒體刊出蔡英文家族三樁爭產官司，蔡英文的父親、蔡英文的四位「母親」、蔡英文的11位兄姐才得以一一曝光，蔡英文是11個子女中最小的。好友洪清隆曾問過蔡潔生，會不會擔心將來小孩爭產？蔡回答說，他依序登記給小孩��，人人有份。

《商業週刊》報導稱，蔡英文也曾私下跟朋友自嘲，說父親很厲害，對每個女友都很公平，因此各家庭相安無事，感情都十分好。比如她的衣服幾乎都是姐姐買的，姐姐看到合適的衣服，就會幫媽媽和她也各買一件。

然而，事實並不如蔡英文所說「相安無事」。

蔡英文侄子蔡元立民國97年（2008年）初控告蔡瀛南返房屋。民國80年（1991年）6月，蔡潔生的三房長子蔡瀛任過世，蔡潔生決定將蔡瀛任名下資產，由蔡瀛任剛成年的長子蔡元立繼承，但印鑒、權狀等仍由自己保管，不料此舉竟成為他過身後孫子爭產的引爆點。民國95年（2006年）7月，蔡潔生過身後，蔡元立陸續發動訴訟。民國97年（2008年）初先控告二房大伯蔡瀛南，要求返還臺北市民族東路一間房屋，他稱該屋是他繼承而得，卻遭以買賣為由移轉到大伯名下。蔡瀛南則稱，姪子蔡元立先前在國外讀書、生活等費用，都是蔡潔生支付，父親為此曾向他借款約530萬元，後來把該屋移轉給他作為補償，一審判蔡元立敗訴，但二審認為，蔡瀛南無法證明蔡元立曾授權蔡潔生幫忙處理名下房屋，改判蔡瀛南須還屋定讞，最終爭回房屋。

同年，蔡元立又提請一樁訴訟，訴張柏年返還不當得利。民國83年（1994年），蔡潔生生前將登記在蔡瀛任名下的內湖一筆土地，賣給繼子張柏年。張柏年是蔡英文母親張金鳳與日本前夫的兒子，與蔡英文同母異父。民國97年（2008年）5月，蔡瀛任的兒子蔡元立控告張柏年，指自己應繼承父親一筆臺北市內湖區土地，約159坪，民國80年（1991年）父親蔡瀛任過身，土地應由其單獨繼承，但該筆土地民國83年（1994年）未經自己同意，就被祖父賣給張柏年。蔡元立舉證交易雙方未約定買賣價金，負責這起買賣交易的代書陳幸助已證實蔡潔生和張柏年並未實際簽訂買賣契約、也未約定定價金額，張柏年也始終未能合理說明本次買賣價金如何支付等細節。蔡元立主張買賣不成立，張柏年應依不當得利返還土地。張柏年取得土地的過程涉偽造文書，但此部分因逾追訴期不起訴。

民國99年（2010年），蔡元立改打民事訴訟，指張柏年取得前述土地後，民國97年（2008年）間再把地賣給宏盛建設股份有限公司，售價3.8億元，故無法返還土地，要求張柏年返還前述交易、扣除稅金後的不當得利3.6億元。

開庭時，張柏年表明自己的母親是張金鳳，亦即是蔡英文同母異父的兄弟，他表示，蔡潔生是為照料蔡瀛任的4個小孩才會賣地，但考量該筆土地登記在蔡潔生4個兒子名下，為免日後轉售困難，才詢問他有無購買意願。張稱蔡潔生與其並無血緣關係，蔡潔生不可能將土地贈與自己，自己在美國電子公司任職，年薪折算約台幣500萬元，加上母親張金鳳資助，因此湊出1.99億元買地。

雙方就蔡潔生是否有權代理蔡元立處置爭議土地、蔡潔生與張柏年之間是否存在買賣關係展開激烈爭辯。

此外，蔡英文兩位兄長也出庭說明蔡家財產分配，親哥哥蔡瀛陽證稱，蔡家子女名下資產都是父親「借名登記」，父親生前有處分權且保管土地權狀。父親過世後，兄弟姊妹都未要求重新分配，尊重父親。

一審認為蔡家人的證詞尚不足以證明此案土地是「借名登記」，但蔡元立曾簽下「確認書」，追認同意祖父蔡潔生生前所有資產處分，因此判蔡元立敗訴。二審進一步采信蔡家人的證詞，認為蔡元立亦坦承「我們蔡家的財產絕大部分均是爺爺（蔡潔生）在管的」，認定確有借名登記的事實，采信土地是蔡潔生借名登記在兒子蔡瀛任名下，後雖由蔡元立繼承，但借名登記關係並未消滅，蔡潔生有權賣地給張柏年，民國101年（2012年）高院判蔡元立敗訴後，他放棄上訴，全案定讞。

蔡英文姐姐蔡瀛君民國101年（2012年）提出平分父親遺產訴訟。根據士林地院判決書，蔡潔生過身後，留下6264萬餘元、正中公司股票15萬股及債權56.75萬元，原應由11名子女繼承，但因三房長子蔡瀛任過身，對遺產分配方式談不攏。三房次女蔡瀛君以蔡英文等13人為被告，提出分割遺產訴訟，要求平均分配父親留下6200多萬元存款、正中企業有限公司15萬股股份及56萬元債券，所有繼承人無異議同意。最終蔡瀛君及蔡瀛南、蔡英文等10名子女各繼承蔡潔生遺產的1/11，已故三房長子蔡瀛任的4名子女各分得1/44。其中蔡英文分得569萬餘元現金、1萬3千多股正中企業股票，及5萬餘元債券。

蔡英文家族的爭產風波，揭開蔡英文家庭地位的神秘面紗。

因上述三起官司，蔡家成員一一被點名。蔡英文在面對炒地炒股風波時，強調自己不知情，但這次爭產訴訟，證明她又說謊。蔡英文兩位哥哥蔡瀛陽和蔡瀛政均出庭證稱，蔡英文深受其父蔡潔生重視，過身前半年，指示蔡英文製作家族財產圖表，主持家族會議，目的是整合家族資產投資賺錢。由這些可知，蔡英文對家族炒股炒地，不僅知情，還居主導角色。蔡英文也因此遭到前國民黨文傳會主委林奕華的質疑。對於國民黨的指控，民進黨發言人楊家俍稱，蔡英文與爭訟官司根本毫無關係，甚至從未出庭作證，而事實上從判決書中也可清楚得知，長久以來其家族的理財投資一如社會通習，據瞭解，是由父親兄長商討決策，通篇白紙黑字毫無蔡主席是家族整合及投資的關鍵角色。

為平息風波，蔡家迅速發表利益衝突回避聲明。蔡英文的四位兄長蔡瀛南、蔡瀛陽、蔡瀛明、蔡瀛政透過律師發表聲明指出，第一，蔡家財產在先父蔡潔生生前早就各人持有部分安排妥當，其管理雖由先父主導，但每年先父與四兄弟仍會開會研商，並無女眷參與。第二，有關臺灣高等法院判決所指先父去世前半年多之會議，亦由蔡家兄弟與先父開會。因先父希望各兄弟拿出部分財產集中管理與投資，故請小妹蔡英文參加，俾就四兄弟「共同同意事項」作成紀錄簽名存證，惟因兄弟意見不同而無會議結論，當次會議並無由小妹蔡英文主持之事實。第三，蔡英文就任「總統」，蔡家四兄弟必恪守利益衝突回避之各項規範，並同意「兄姊除個人之本業經營外，不會對臺灣企業進行新的投資」之政治承諾。

不過，蔡家兄弟第三點政治承諾能否實現還有待商榷。根據《臺灣高等法院民事判決100年度重上字第476號》內容，蔡英文有持股的家族公司正中企業，是有日本分公司的，當年張柏年購買登記於蔡元泰（蔡瀛任之子）名下土地時，便是透過張金鳳匯款至日本正中企業帳戶完成購買程式。透過海外公司，或者透過海外公司至英屬維京群島等地設立公司，再轉投資臺灣，要規避臺灣監管機關、司法機關與媒體第四權是相對容易的，單只是針對臺灣開設的公司對外公佈，恐怕是不足以讓社會釋疑。

有人說，蔡英文很幸運，幸運的是出生在如此富有的家庭，但她同樣也是不幸的，不幸的是她從小被迫接受日式教育。

作為「皇民」後代，要讓蔡英文愛國，估計很難。蔡英文和其他兄弟姐妹從小接受的家庭教育和父親蔡潔生曾受到的「皇民化「教育一脈相承。蔡潔生習慣了日本人的生活起居方式，把家裏裝修成日式建築風格，並且讓全家人在家都席地而坐，蔡英文從小吃的主食常常是日本飯團，日本生魚片等食物也是蔡家餐桌上的常客。一個中國人為什麼要吃日式飯團？這源於蔡英文父親出生和生長在日據時代的臺灣。蔡英文的父親、母親顯然因為這種教育接受了日本人的生活習慣，並且將這種習慣延續到了蔡英文身上。俗話說一方水土養一方人。用日本飲食習慣和日本文化養育出來的蔡英文成為親日分子也就不難理解。

實際上，蔡英文整個家族都很認同日本。蔡英文的兄長出國留學的首選地就是日本。蔡英文長大後選擇休假的目的地也經常是日本。此外，蔡英文還有一個日本名字：吉米牙（日文：ちびや），意思是小不點。這些情況都反映蔡英文家族對日本的親近與認同，同時也折射出蔡氏家族對中國文化的隔閡與冷漠。在這種家庭環境的影響下，蔡英文從小就沒有任何華夏民族觀念，這也為其日後成為臺灣領導人後冒死也要搞台獨的行為奠定了思想基礎。

從血統上來說，蔡英文應該是漢族人，但其精神皈依卻是日本，對大陸缺少歸屬感。因而，她寧願像日本人那樣把臺灣分裂出去，只考慮個人利益、民進黨一黨的利益，不考慮兩岸統一、民族復興。明白這一點，也就不難理解她寧願抱著被解放軍的導彈斬首的風險也要跟中國對著幹。這是因為她的出身和個人經歷決定了她要做出這樣的選擇。

除此之外，蔡英文還被爆出有英國籍的傳言。

民國105年（2016年）「新頭殼」網站曾經報導，有網友在臉書貼文稱，民進黨主席、「總統」候選人蔡英文持有英國護照多年，早就有英國籍，而且在倫敦有豪宅。文章先是請邱毅先生再辛苦一回，稱「據民進黨前主席蘇貞昌透露，蔡英文持有英國護照多年，早已加入英國國籍，在倫敦市中心精華地段擁有一幢豪宅。一個英國人（真正英派）競選中華民國總統，很有趣！（請大家儘快分享出去，甚至搜索舉證，英國人也來參選臺灣的總統了？」這則網路貼文不僅出現在臉譜、PTT等社交網站，還被有系統地轉貼到各個網站論壇。

蔡英文曾在英國留學，其家人也曾被爆有外國籍。臺灣歌手黃安也曾在微博稱，這個口口聲聲罵別人賣臺的「蔡總統」，爸爸是日本籍，哥哥是美國籍，姐妹都是美國籍，「全家有一半都是外國人，你愛臺愛個屁啦！」

當然，客觀地說，臺灣政要中有相當一部分人曾在歐美或日本留學、工作，因此擁有美國綠卡或「雙重國籍」並不奇怪。但是擁有「雙重國籍」者不能成為公職候選人，包括民意代表和正副領導人等。「雙重國籍」議題在臺灣選舉中出現的頻率相當高。

如民國97年（2008年）「大選」期間，民進黨候選人謝長廷用一張小小的綠卡，就讓馬英九陣營措手不及。馬英九解釋時使用的「綠卡失效」說法，又給了謝陣營繼續發揮的空間。直到民國103年（2014年）5月，臺媒還在炒作馬英九綠卡仍有效、必須每年向美國繳稅等等。

此後，臺灣有志參選的人士在「雙重國籍」問題上都相當謹慎，就怕重蹈覆轍。民國101年（2012年）選舉前，「中選會」就3組正副領導人參選人的「雙重國籍」問題統一函請外事部門協助查證。民國103年（2014年）連戰之子連勝文參選臺北市長，早在黨內初選階段就讓家人放棄「雙重國籍」，不過因為程式尚未完成，還是被一些人拿來操弄選舉。

事後，民進黨為遏阻謠言發酵，到臺北市警中正一分局報案，並對發文者「kelly chang」提起訴訟，最終認定張姓男子是最源頭的散佈者，為厘清張姓男子所發帖文文所述內容，臺北檢方還發函給中選會，確認蔡英文並沒有英國國籍，認定張姓男子涉嫌造謠。

至於這起案子中是否存在一些不為人知的幕後消息，也只能自行判斷了。

#民進黨 #蔡英文秘史

[yj-finance]

您應該知道的小額貸款的流程步驟

填寫申請表：申請小額貸款的第一步是填寫申請表。這份表格通常要求提供個人資料、聯繫方式、收入和支出等財務信息。

申請審核：申請表提交後，貸款機構會開始進行審核，確認申請人的信用評分、收入和財務狀況等信息。此外，還可能需要提供其他文件，例如身份證、薪資單或銀行對帳單等。

貸款核准：如果申請人的申請被核准，貸款機構將會通知申請人貸款的金額、利率和還款期限等條款，需要申請人確認並簽署貸款協議。

貸款發放：當貸款協議簽署後，貸款機構會向申請人發放貸款，一般會直接匯入申請人的銀行帳戶中。

還款：在還款期限內，申請人需要按時還款。貸款機構可能會要求申請人在每個還款期限到期前進行還款，或者設置自動轉帳或支票付款等還款方式。

需要注意的是，不同貸款機構的流程和申請要求可能會有所不同。在申請小額借貸之前，請先仔細閱讀貸款合同和相關條款，並詢問貸款機構關於貸款流程和申請要求的問題。

#小額借貸 #信用貸款 #小額貸款

[fellergaab74]

財富、國籍無人知----謎一樣的蔡氏家族

說起蔡英文家族，這個臺灣「第一家族」的財富一直是個謎，島內最常用的形容詞是富裕、低調和反中。

之所以說蔡英文一家富裕，在於其父蔡潔生「生財有道」，積累了大量的財富。曾在蔡家工作的臺北巿議員林瑞圖說，賺到錢之後，蔡潔生認為「有土斯有財」，所以做起了土地投資。他買土地，卻從不蓋房子，有賺就脫手。據媒體報導，蔡潔生在20世紀60年代就是臺北市納稅前十名的富豪。蔡潔生於民國95年（2006年）去世，享年88歲，留下了高達6264萬元(新台幣)的現金、15萬股公司股票、債權56.75萬元以及多處土地、物業。蔡潔生生前就利用子女名義購買土地，在其過世後這些土地自然就歸其名下的11個子女所有。根本無人知曉蔡潔生購買了多少土地，更難以知曉這些土地價值幾何。總統大選前，蔡英文向臺灣中選會申報的財產資料顯示，她有上億身家，堪稱史上最有錢的臺灣總統候選人。

除此之外，蔡英文家族的事業、身價究竟還有多少？外界還是所知有限。

除了潔生投資（現富鈦投資）、臺懋生技，及宇昌生技，蔡英文家族最主要的產業，分別為「正中企業」和「東道有限公司」。兩家公司主要的經營業務，包括投資觀光旅館之相關經營專案與休閒活動、練習場、運動器材等館場業，及汽車零件配備、加油站業務等。

蔡英文一直持有「正中企業」不小的股權，民國89年（2000年）她擔任「陸委會主委」期間，該公司曾一度增資，蔡英文的持投也從原本的40萬元（新台幣）成長十倍，增加至400萬元。至於「東道有限公司」的持股，則是她在接下「陸委會主委」後，才持有110萬元。

兩家公司的地址，都在臺北市中山北路上的海霸王，董座分別是蔡英文的三哥蔡瀛南，及大她6歲的姐姐蔡英玲；創辦人則皆為蔡英文的父親蔡潔生。海霸王目前仍有部分樓層面積，保留予蔡英文家族使用，包括辦公室、會議廳等。蔡英文在該處也有自己的一個辦公室，在她擔任公職後，僅在晚間及週末時，才會前往這個家族的辦公室處理相關事務，甚至以前連她愛開快車被開的罰單，也都會寄到這裏。

海霸王的現址，其實至今仍算蔡家的所有地。據瞭解，蔡潔生早從光復前後就開始投資房地產，往後十年間，他所持有的地產約漲了七倍，除了海霸王現址外，東區漢宮大廈及前今��百貨等地，蔡父都曾投資過。

據東森新聞報導，蔡英文家族財產，主要財富集中在3家公司，分別為正中企業股份有限公司（法人代表：蔡瀛南，董事：蔡瀛明、莊自立、莊榮德、蔡瀛陽，監察人：林秀琴。公司所在地：臺北市中山區中山北路3段59號）、東道有限公司（法人代表：蔡瀛陽，公司所在地：臺北市中山區中山北路3段59號）及富鈦投資股份有限公司（法人代表：譚雯栩，董事：蔡瀛陽、張柏年，監察人：徐永秀。公司所在地：臺北市北投區石牌路2段321號1棟）。位於中山北路上的海霸王一度誤傳是由蔡英文家族所經營，後來證實蔡家只是出租房地。海霸王這處房地產地段精華，價值上億，不過這只是蔡英文家族財產冰山一角，其中的正中企業及東道公司才是重點，分別由蔡英文哥哥蔡瀛南、大姐蔡英玲經營，以土地房屋出租跟加油站設備出租為主。富鈦投資，則是由蔡英文的嫂嫂譚雯栩掛名負責人。

富鈦投資又成立了臺懋生技，臺懋生技再投資蔡英文任董事長的宇昌生技，與此同時，富鈦投資又直接投資了浩鼎生技，富鈦投資是浩鼎生技的第五大股東。最後宇昌生技和浩鼎生技都由潤泰企業接盤。這幾個公司都和臺灣翁啟惠、陳良博、何大一、李遠哲、陳建仁以及尹衍梁有密切的關係。

民國96年（2007年）成立宇昌生技的創始人除了蔡英文，還有陳良博、何大一。陳良博是臺灣科學家，中研院院士，專長於細胞生物學，是美國哈佛大學醫學院病理學退休榮譽教授，也是第一個獲得哈佛大學退休榮譽教授（Emeritus）頭銜的臺灣人。何大一是愛滋病雞尾酒療法的發明人，作為美籍華人，他同時還是美國科學院院士，中國大陸工程院外籍院士，臺灣中研院院士。翁啟惠，是宇昌生技案主要推手，國際知名化學家，民國95年（2006年）擔任臺灣中研院第9任院長、民國100年（2011年）連任，至今仍是臺行政院生技產業策略咨議委員、臺生技醫療產業策進會會長，牢牢掌握臺灣生物科技政策的方向盤，也正是他和陳良博、李遠哲邀請蔡英文出任宇昌科技首任董事長。同時，翁啟惠在民國105年（2016年）還捲入曾經與其主管的中研院有密切合作關係和資金往來的生物科技公司浩鼎生技的案件中，翁借用其女兒和另一股東的名義，大肆購買浩鼎的股票，經法院裁定金額高達1億6000餘萬元新台幣，而且這筆錢他號稱是從富豪尹衍梁那裏借來的。在宇昌生技民國96年（2007年）成立的關鍵時刻給予援手的還有時任臺灣「國科會」主委陳建仁，也就是民國105年（2016年）蔡英文首奪「總統」大位時的「副總統」搭檔。

之所以說低調，在於外界對蔡英文家族成員知之甚少。不只投資有道，蔡潔生情史也相當豐富。外界僅知道蔡潔生的戶口配偶欄一直是空白，但其4個「女朋友」為其生了11個小孩。蔡英文家族親戚眾多，但每一位都異常「安靜」，「低調到不能再低調」，從不接受採訪。堂姐蔡薰慧、侄子蔡元仕，在紛亂的司法界「大隱隱於市」。蔡英文家族那麼有錢，發跡史始終是個謎。對於如何發財致富，蔡家也一直是三緘其口，頂多是以老八股的方式予以回應，即：早年通過改修汽車得第一桶金、後參與買賣土地致富等等。臺灣社會不斷要求蔡英文公佈家庭相關資訊，但蔡卻一直以個人隱私為由加以拒絕。臺灣「第一家族」的秘密，蔡英文不說，蔡家人不談，可能沒有人會知道，因此蔡英文家族被認為是「謎一樣」的家庭。

蔡潔生過身時，配偶欄仍空白，身後留下的龐大遺產。民國105年（2016年）3月中旬，臺灣媒體刊出蔡英文家族三樁爭產官司，蔡英文的父親、蔡英文的四位「母親」、蔡英文的11位兄姐才得以一一曝光，蔡英文是11個子女中最小的。好友洪清隆曾問過蔡潔生，會不會擔心將來小孩爭產？蔡回答說，他依序登記給小孩們，人人有份。

《商業週刊》報導稱，蔡英文也曾私下跟朋友自嘲，說父親很厲害，對每個女友都很公平，因此各家庭相安無事，感情都十分好。比如她的衣服幾乎都是姐姐買的，姐姐看到合適的衣服，就會幫媽媽和她也各買一件。

然而，事實並不如蔡英文所說「相安無事」。

蔡英文侄子蔡元立民國97年（2008年）初控告蔡瀛南返房屋。民國80年（1991年）6月，蔡潔生的三房長子蔡瀛任過世，蔡潔生決定將蔡瀛任名下資產，由蔡瀛任剛成年的長子蔡元立繼承，但印鑒、權狀等仍由自己保管，不料此舉竟成為他過身後孫子爭產的引爆點。民國95年（2006年）7月，蔡潔生過身後，蔡元立陸續發動訴訟。民國97年（2008年）初先控告二房大伯蔡瀛南，要求返還臺北市民族東路一間房屋，他稱該屋是他繼承而得，卻遭以買賣為由移轉到大伯名下。蔡瀛南則稱，姪子蔡元立先前在國外讀書、生活等費用，都是蔡潔生支付，父親為此曾向他借款約530萬元，後來把該屋移轉給他作為補償，一審判蔡元立敗訴，但二審認為，蔡瀛南無法證明蔡元立曾授權蔡潔生幫忙處理名下房屋，改判蔡瀛南須還屋定讞，最終爭回房屋。

同年，蔡元立又提請一樁訴訟，訴張柏年返還不當得利。民國83年（1994年），蔡潔生生前將登記在蔡瀛任名下的內湖一筆土地，賣給繼子張柏年。張柏年是蔡英文母親張金鳳與日本前夫的兒子，與蔡英文同母異父。民國97年（2008年）5月，蔡瀛任的兒子蔡元立控告張柏年，指自己應繼承父親一筆臺北市內湖區土地，約159坪，民國80年（1991年）父親蔡瀛任過身，土地應由其單獨繼承，但該筆土地民國83年（1994年）未經自己同意，就被祖父賣給張柏年。蔡元立舉證交易雙方未約定買賣價金，負責這起買賣交易的代書陳幸助已證實蔡潔生和張柏年並未實際簽訂買賣契約、也未約定定價金額，張柏年也始終未能合理說明本次買賣價金如何支付等細節。蔡元立主張買賣不成立，張柏年應依不當得利返還土地。張柏年取得土地的過程涉偽造文書，但此部分因逾追訴期不起訴。

民國99年（2010年），蔡元立改打民事訴訟，指張柏年取得前述土地後，民國97年（2008年）間再把地賣給宏盛建設股份有限公司，售價3.8億元，故無法返還土地，要求張柏年返還前述交易、扣除稅金後的不當得利3.6億元。

開庭時，張柏年表明自己的母親是張金鳳，亦即是蔡英文同母異父的兄弟，他表示，蔡潔生是為照料蔡瀛任的4個小孩才會賣地，但考量該筆土地登記在蔡潔生4個兒子名下，為免日後轉售困難，才詢問他有無購買意願。張稱蔡潔生與其並無血緣關係，蔡潔生不可能將土地贈與自己，自己在美國電子公司任職，年薪折算約台幣500萬元，加上母親張金鳳資助，因此湊出1.99億元買地。

雙方就蔡潔生是否有權代理蔡元立處置爭議土地、蔡潔生與張柏年之間是否存在買賣關係展開激烈爭辯。

此外，蔡英文兩位兄長也出庭說明蔡家財產分配，親哥哥蔡瀛陽證稱，蔡家子女名下資產都是父親「借名登記」，父親生前有處分權且保管土地權狀。父親過世後，兄弟姊妹都未要求重新分配，尊重父親。

一審認為蔡家人的證詞尚不足以證明此案土地是「借名登記」，但蔡元立曾簽下「確認書」，追認同意祖父蔡潔生生前所有資產處分，因此判蔡元立敗訴。二審進一步采信蔡家人的證詞，認為蔡元立亦坦承「我們蔡家的財產絕大部分均是爺爺（蔡潔生）在管的」，認定確有借名登記的事實，采信土地是蔡潔生借名登記在兒子蔡瀛任名下，後雖由蔡元立繼承，但借名登記關係並未消滅，蔡潔生有權賣地給張柏年，民國101年（2012年）高院判蔡元立敗訴後，他放棄上訴，全案定讞。

蔡英文姐姐蔡瀛君民國101年（2012年）提出平分父親遺產訴訟。根據士林地院判決書，蔡潔生過身後，留下6264萬餘元、正中公司股票15萬股及債權56.75萬元，原應由11名子女繼承，但因三房長子蔡瀛任過身，對遺產分配方式談不攏。三房次女蔡瀛君以蔡英文等13人為被告，提出分割遺產訴訟，要求平均分配父親留下6200多萬元存款、正中企業有限公司15萬股股份及56萬元債券，所有繼承人無異議同意。最終蔡瀛君及蔡瀛南、蔡英文等10名子女各繼承蔡潔生遺產的1/11，已故三房長子蔡瀛任的4名子女各分得1/44。其中蔡英文分得569萬餘元現金、1萬3千多股正中企業股票，及5萬餘元債券。

蔡英文家族的爭產風波，揭開蔡英文家庭地位的神秘面紗。

因上述三起官司，蔡家成員一一被點名。蔡英文在面對炒地炒股風波時，強調自己不知情，但這次爭產訴訟，證明她又說謊。蔡英文兩位哥哥蔡瀛陽和蔡瀛政均出庭證稱，蔡英文深受其父蔡潔生重視，過身前半年，指示蔡英文製作家族財產圖表，主持家族會議，目的是整合家族資產投資賺錢。由這些可知，蔡英文對家族炒股炒地，不僅知情，還居主導角色。蔡英文也因此遭到前國民黨文傳會主委林奕華的質疑。對於國民黨的指控，民進黨發言人楊家俍稱，蔡英文與爭訟官司根本毫無關係，甚至從未出庭作證，而事實上從判決書中也可清楚得知，長久以來其家族的理財投資一如社會通習，據瞭解，是由父親兄長商討決策，通篇白紙黑字毫無蔡主席是家族整合及投資的關鍵角色。

為平息風波，蔡家迅速發表利益衝突回避聲明。蔡英文的四位兄長蔡瀛南、蔡瀛陽、蔡瀛明、蔡瀛政透過律師發表聲明指出，第一，蔡家財產在先父蔡潔生生前早就各人持有部分安排妥當，其管理雖由先父主導，但每年先父與四兄弟仍會開會研商，並無女眷參與。第二，有關臺灣高等法院判決所指先父去世前半年多之會議，亦由蔡家兄弟與先父開會。因先父希望各兄弟拿出部分財產集中管理與投資，故請小妹蔡英文參加，俾就四兄弟「共同同意事項」作成紀錄簽名存證，惟因兄弟意見不同而無會議結論，當次會議並無由小妹蔡英文主持之事實。第三，蔡英文就任「總統」，蔡家四兄弟必恪守利益衝突回避之各項規範，並同意「兄姊除個人之本業經營外，不會對臺灣企業進行新的投資」之政治承諾。

不過，蔡家兄弟第三點政治承諾能否實現還有待商榷。根據《臺灣高等法院民事判決100年度重上字第476號》內容，蔡英文有持股的家族公司正中企業，是有日本分公司的，當年張柏年購買登記於蔡元泰（蔡瀛任之子）名下土地時，便是透過張金鳳匯款至日本正中企業帳戶完成購買程式。透過海外公司，或者透過海外公司至英屬維京群島等地設立公司，再轉投資臺灣，要規避臺灣監管機關、司法機關與媒體第四權是相對容易的，單只是針對臺灣開設的公司對外公佈，恐怕是不足以讓社會釋疑。

有人說，蔡英文很幸運，幸運的是出生在如此富有的家庭，但她同樣也是不幸的，不幸的是她從小被迫接受日式教育。

作為「皇民」後代，要讓蔡英文愛國，估計很難。蔡英文和其他兄弟姐妹從小接受的家庭教育和父親蔡潔生曾受到的「皇民化「教育一脈相承。蔡潔生習慣了日本人的生活起居方式，把家裏裝修成日式建築風格，並且讓全家人在家都席地而坐，蔡英文從小吃的主食常常是日本飯團，日本生魚片等食物也是蔡家餐桌上的常客。一個中國人為什麼要吃日式飯團？這源於蔡英文父親出生和生長在日據時代的臺灣。蔡英文的父親、母親顯然因為這種教育接受了日本人的生活習慣，並且將這種習慣延續到了蔡英文身上。俗話說一方水土養一方人。用日本飲食習慣和日本文化養育出來的蔡英文成為親日分子也就不難理解。

實際上，蔡英文整個家族都很認同日本。蔡英文的兄長出國留學的首選地就是日本。蔡英文長大後選擇休假的目的地也經常是日本。此外，蔡英文還有一個日本名字：吉米牙（日文：ちびや），意思是小不點。這些情況都反映蔡英文家族對日本的親近與認同，同時也折射出蔡氏家族對中國文化的隔閡與冷漠。在這種家庭環境的影響下，蔡英文從小就沒有任何華夏民族觀念，這也為其日後成為臺灣領導人後冒死也要搞台獨的行為奠定了思想基礎。

從血統上來說，蔡英文應該是漢族人，但其精神皈依卻是日本，對大陸缺少歸屬感。因而，她寧願像日本人那樣把臺灣分裂出去，只考慮個人利益、民進黨一黨的利益，不考慮兩岸統一、民族復興。明白這一點，也就不難理解她寧願抱著被解放軍的導彈斬首的風險也要跟中國對著幹。這是因為她的出身和個人經歷決定了她要做出這樣的選擇。

除此之外，蔡英文還被爆出有英國籍的傳言。

民國105年（2016年）「新頭殼」網站曾經報導，有網友在臉書貼文稱，民進黨主席、「總統」候選人蔡英文持有英國護照多年，早就有英國籍，而且在倫敦有豪宅。文章先是請邱毅先生再辛苦一回，稱「據民進黨前主席蘇貞昌透露，蔡英文持有英國護照多年，早已加入英國國籍，在倫敦市中心精華地段擁有一幢豪宅。一個英國人（真正英派）競選中華民國總統，很有趣！（請大家儘快分享出去，甚至搜索舉證，英國人也來參選臺灣的總統了？」這則網路貼文不僅出現在臉譜、PTT等社交網站，還被有系統地轉貼到各個網站論壇。

蔡英文曾在英國留學，其家人也曾被爆有外國籍。臺灣歌手黃安也曾在微博稱，這個口口聲聲罵別人賣臺的「蔡總統」，爸爸是日本籍，哥哥是美國籍，姐妹都是美國籍，「全家有一半都是外國人，你愛臺愛個屁啦！」

當然，客觀地說，臺灣政要中有相當一部分人曾在歐美或日本留學、工作，因此擁有美國綠卡或「雙重國籍」並不奇怪。但是擁有「雙重國籍」者不能成為公職候選人，包括民意代表和正副領導人等。「雙重國籍」議題在臺灣選舉中出現的頻率相當高。

如民國97年（2008年）「大選」期間，民進黨候選人謝長廷用一張小小的綠卡，就讓馬英九陣營措手不及。馬英九解釋時使用的「綠卡失效」說法，又給了謝陣營繼續發揮的空間。直到民國103年（2014年）5月，臺媒還在炒作馬英九綠卡仍有效、必須每年向美國繳稅等等。

此後，臺灣有志參選的人士在「雙重國籍」問題上都相當謹慎，就怕重蹈覆轍。民國101年（2012年）選舉前，「中選會」就3組正副領導人參選人的「雙重國籍」問題統一函請外事部門協助查證。民國103年（2014年）連戰之子連勝文參選臺北市長，早在黨內初選階段就讓家人放棄「雙重國籍」，不過因為程式尚未完成，還是被一些人拿來操弄選舉。

◎「雙重國籍」傳言

事後，民進黨為遏阻謠言發酵，到臺北市警中正一分局報案，並對發文者「kelly chang」提起訴訟，最終認定張姓男子是最源頭的散佈者，為厘清張姓男子所發帖文文所述內容，臺北檢方還發函給中選會，確認蔡英文並沒有英國國籍，認定張姓男子涉嫌造謠。

至於這起案子中是否存在一些不為人知的幕後消息，也只能自行判斷了。

#民進黨 #蔡英文 #蔡英文秘史