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There are always unpredictable things in life, and it is inevitable to encounter urgent needs for money. People can borrow through six legal channels, including credit card cash advance, personal credit loan, auto loan (original car financing), real estate loan, policy loan, and pawn shop loan. Among them, housing loans in real estate loans accounted for the bulk. Housing loans can be further divided into first lien loan and second lien loan, and most people who apply for second lien loan are for short-term capital turnover. When choosing an institution to apply for, most of them will consider whether the loan amount that can be approved by the institution meets its own needs. The applicable loan amount differs from various institutes. This research will collect the data of a private case company to understand the main influencing factors of applying for a second lien loan and take this opportunity to illustrate consumers who have a second lien loan.
This study randomly selects 300 cases in recent years from a case company, of which 155 cases have not been submitted for analysis, and 145 cases have been submitted for analysis. The analysis results show that there is a significant difference in the degree of education, with the highest proportion of colleges and universities; the occupation is the most significant result of self-employment; in terms of income, there is a significant difference in whether or not to undertake a job; There is a significant difference in the levy score of more than 500 points; the mortgaged houses of the lender are the building and mansion, the most significant; the municipality have the highest proportion of the target location; In terms of housing use, whether it is for self-use or self-occupation is more significant; in terms of data sources, the proportion of intelligence and information is the highest. From this result, we can draw a consumer image of Taiwan's second lien loan borrowers.
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