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完整借貸流程：合法的借貸會先有免費諮詢讓您了解貸款方案，而不是草率簽約，等您了解方案後再決定要不要申辦，確定申辦後會開始審核條件、評估可貸利率及額度、再來對保及簽約、最後撥款，會有一套完整的程序，不會隨便就簽約、也不會要求繳交身分證�
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關於土地貸款利率行情整理如下表，一般來說，建地類型的利率行情相對較穩定，工業用地、林地、山坡地，用來抵押申辦貸款的利率則通常比較差。但最終的利率與額度還是以銀行的核貸結果為準：記住！合法的貸款代辦公司都能免費諮詢，諮詢滿意後再申辦，�
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「刷卡換現金」業者會和持卡人約在大賣場碰面，確認持卡人的身份之後，由持卡人向大賣場刷信用卡購買商品，再把商品賣給「刷卡換現金」業者，從業者手上拿到現金。銀行、合法借貸公司等機構絕對不會要求你提交身份證件或銀行存摺作為貸款獲批的條件。�
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