[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_prac-47-025":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_prac","理財規劃人員專業能力測驗——理財規劃實務","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_prac-47-025","47",25,"有關不動產估價方法，下列敘述何者錯誤？",[13,14,15,16],"成本法之每建坪單價＝單位總成本－土地建坪價格－建物建坪建造成本","市場比較法需考慮地段、屋齡與議價係數之調整","收益還原法之房屋總價＝房租淨收入 × 市場投資收益率","一般估價公司多用市場比較法做住宅估價",2,"購屋規劃",1,"本題要選出錯誤敘述。收益還原法（收益法）以不動產未來可產生的淨收益資本化為現值，房屋總價＝房租淨收入÷市場投資收益率，是以收益除以還原利率而非相乘，故（C）敘述為錯誤即正解；若照題目相乘會使收益率愈高、估價愈高，與資本化邏輯相反。（A）成本法以重建成本推算單價、（B）市場比較法須就地段、屋齡與議價係數作調整、（D）住宅估價實務多採市場比較法，三項敘述皆符合估價原理。掌握三大估價法各自的適用情境與公式方向，才能避免此類方向性錯誤，故本題選（C）。","medium",[23,26,30,34,38,42],{"id":24,"question":25,"qno":10},"fin_plan_prac-46-025","下列何者非為房貸轉貸之費用？",{"id":27,"question":28,"qno":29},"fin_plan_prac-46-026","有關房貸轉貸考量之因素，下列敘述何者正確？ A.利率差距 B.鑑價、代償及代書等轉貸費用 C.轉貸額度",26,{"id":31,"question":32,"qno":33},"fin_plan_prac-46-027","有關購屋或租屋之決策，下列哪些為使用淨現值法時需考慮之變數？a.折現率 b.未來各期淨現金流量 c.年限",27,{"id":35,"question":36,"qno":37},"fin_plan_prac-46-028","張先生申請房屋貸款 500 萬元，年利率 3%，貸款期間 20 年，約定採本利平均攤還法按年清償；其於償還第 7期本利和後，因急需資金旋即於原案項下增貸 50 萬元並將貸款期間由原先 20 年延為 25 年，其他條件不變。則至此之後，張先生每期所須償還之本利和為多少？（取最接近值）",28,{"id":39,"question":40,"qno":41},"fin_plan_prac-46-029","阿義目前有 100 萬元現金及每年投資 80 萬元，預計 3 年後要購屋，房貸利率 5%，借期 20 年，投資報酬率 6%，自備款三成，則 3 年後阿義至多有能力買若干金額之房子？（取最接近值）",29,{"id":43,"question":44,"qno":45},"fin_plan_prac-46-030","店面與辦公大樓估價時通常採收益還原法，設若台北市某辦公大樓樓層面積 100 坪，每月淨租金收入為 18 萬元，未來市場投資年收益率 6%，請問其合理總價為何？",30,1787293952089]