1.房貸寬限期的好處
買房子時可以跟銀行要求1-5年的房貸寬限期，銀行會視客戶的財力狀況來決定要不要給？給多長？在寬限期期間，每個月只需繳還房貸利息即可，可能一個月繳幾千元或一萬出頭，不會增加負擔，可以維持原本的生活，又有自己的房子，何樂而不為？
2.房貸寬限期的壞處
寬限期一過，每月加上還本金，月付金會突然暴漲好幾倍，經濟壓力會突然變大，這是最大的缺點，到底差別有多少呢？以下做個比較就可以看出來。
- 前三年本金寬限期，每月繳款金額為1667元，第四年開始繳本金，月付金則變為5786元。
- 分20年本息攤還，沒有寬限期，則每月繳款金額5059元。
- 前三年本金寬限期，每月繳款金額為16667元，第四年起繳本金，月付金則變為57865元。
- 分20年本息攤還，沒有寬限期，則每月繳款金額為50588元。
這樣應該就可以感覺出寬限期的差別：寬限期中，繳款很輕鬆，寬限期一過，本息攤還的繳款金額，會造成繳款壓力很大。
所以買房辦貸款後，應擬定長期的還款規劃，有寬限期不一定比較好，將貸款負擔，壓在月收入的30~40%，會是最好的規劃。
但是近年來房價飆漲，對於買房已經是一件非常不可能的任務了，所以銀行也漸漸針對市場需求，推出30年甚至40年期的房貸，就是想要降低年輕人購屋後的繳款壓力，促使年輕人有能力買房，並繳得起房貸，提供3~5年的寬限期，更是誘使成交的一大誘人手段，但提醒您：一定要評估自己的繳款能力，寬限期過後的本息攤還金額，是否負擔得起？
3.二胎房貸也有寬限期嗎？
辦一順位房貸(一胎房貸)，每家銀行都能提供寬限期，但二胎房貸就沒這回事了，因為二胎房貸承作風險本身就比較高，全台灣大概只有不到10家銀行有辦理，不但給的額度不高，更不可能有寬限期，市面上目前唯一有提供二胎房貸寬限期的，只有好事貸企業的子公司：好事貸(股)有限公司。
好事貸公司從2017年開始辦理二胎房貸業務，案件量持續成長，好事貸公司也不斷調整貸放條件，終於在2020年推出二胎房貸「有寬限期」專案，只要符合以下其中一個條件，就能申請兩年寬限期：
- 職業為律師、會計師、建築師、醫師
- 公教人員或年薪大於80萬的上班族
- 自營商，且公司設立超過五年，資本額大於500萬
- 申貸金額大於200萬
不管是買房子還是理財型房貸、增貸、青年創業貸款、轉貸，甚至申請二胎房貸，都應該謹慎評估自己的還款能力，寬限期是助力還是阻力，其實掌握在自己手上。
相關文章:房貸寬限期
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