<html><body><h1 style="line-height:1.38;margin-bottom:6pt;margin-top:20pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">對多數人來說，還清房貸不只是結束一段長期的財務承擔，更是邁向完整產權擁有的重要里程碑。但你知道嗎？就算貸款已經繳清，只要抵押權仍在地政登記簿上，就代表這間房子「法律上」還不是完全屬於你。</span></span></h1><h1 style="line-height:1.38;margin-bottom:6pt;margin-top:20pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">R.TUBE地產頻道，將從最基本的「<strong>什麼是塗銷</strong>」開始，帶你逐步釐清抵押權塗銷的概念、條件與申請流程，幫助你安心完成這最後一哩路。</span></span></h1><p> </p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:20pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>什麼是塗銷？</strong></span></span></h2><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">「塗銷」這個詞，聽起來或許有些生硬，其實它的意思就是「抹除登記」。</span></span></p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">當你在房屋上設定過某些權利（像是抵押權），而這些權利已經失效或消滅時，就需要透過「塗銷登記」，正式將這些權利從不動產登記簿上移除，讓產權回到最純粹的狀態。</span></span></p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"> </p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">常見的原因包括權利拋棄、混同、終止、存續期間屆滿、債務清償、撤銷權的行使或法院的確定判決等。塗銷的法律意義在於，當權利消滅後，透過塗銷登記將該權利自不動產登記簿上移除，恢復不動產的完整性，避免未來交易時產生糾紛或影響價值</span><span style="font-family:Arial,sans-serif;font-size:11pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">。</span></span></p><p style="line-height:1.38;margin-bottom:0pt;margin-top:0pt;" dir="ltr"> </p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:20pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>常見的塗銷情況有哪些？</strong></span></span></h2><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權塗銷</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：房貸還清後，將銀行的抵押權撤除。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>地上權塗銷</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：土地使用權終止後塗銷登記。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>租賃權塗銷</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：租期結束、雙方解約後移除租賃權。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>其他權利塗銷</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：如役權、典權、永佃權等，於權利消滅時一併處理。</span></span></li></ul><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">而在眾多類型中，「抵押權塗銷」最常出現在買賣流程中，因此我們將聚焦於這個主題，說明相關條件、資格與申請步驟。</span></span></p><figure class="image"><img style="aspect-ratio:1248/832;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/94d3823d-bba8-401b-8d28-faafd97a5fc2.png" width="1248" height="832" alt="抵押權塗銷的申請條件與資格"></figure><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:20pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權塗銷的申請條件與資格</strong></span></span></h2><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">許多人以為貸款繳完，抵押權就會自動消除。其實不是，只有當抵押權「已經依法消滅」，並完成塗銷登記，才能視為真正結束。</span></span></h2><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押權塗銷的主要條件是「抵押權已經消滅」，常見原因包括債務清償（如房貸繳清）、權利拋棄、混同（抵押權人與抵押人合而為一）、存續期間屆滿、撤銷權的行使或法院確定判決等。</span></span></h2><p> </p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>常見抵押權消滅的原因包括：</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">房貸清償完畢（最常見）</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">債權人放棄抵押權</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押人與抵押權人合併為同一人（混同）</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">存續期間屆滿未續約</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">經法院判決撤銷或塗銷</span></span></li></ul><p> </p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>申請人資格通常為：</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">不動產所有權人（即借款人）</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押權人（如銀行）</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">其他利害關係人（如繼承人）</span></span></li></ul><h2 style="line-height:1.38;margin-bottom:6pt;margin-top:18pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若是向金融機構貸款，多數銀行會於貸清後主動提供塗銷文件，但仍需你主動送件申請。若為私人借貸，則須抵押權人親自到場或提供印鑑證明核對身分。</span></span></h2><p> </p><figure class="image"><img style="aspect-ratio:1248/832;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/19c463d7-3441-4bb1-b913-da3cb70a28e5.png" width="1248" height="832" alt="抵押權塗銷所需文件與申請流程"></figure><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:20pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權塗銷所需文件與申請流程</strong></span></span></h2><h1 style="line-height:1.38;margin-bottom:6pt;margin-top:6pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">在申請抵押權塗銷的整個流程中，有幾個重要步驟和細節需要特別注意，才能確保申請順利完成。</span></span></h1><p> </p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>申請前準備</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">確認抵押權是否已消滅，是第一步。這可以透過以下文件確認：</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押權塗銷同意書</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">債務清償證明書</span></span></li></ul><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">接著準備以下文件：</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">土地登記申請書與登記清冊</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">他項權利證明書（登記當時由地政機關核發）</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">申請人身分證明文件</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押權人印鑑證明或親自出面核對身分（金融機構者若已備查可免）</span></span><br> </li></ul><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權塗銷申請方式選擇</strong></span></span></h3><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">在文件準備好後，你可根據自身情況選擇下列方式辦理：</span></span></p><ol style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>臨櫃申請：</strong>親自前往不動產所在地地政事務所</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>跨所申請：</strong>同縣市內可在任一地政事務所辦理</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>跨縣市申請：</strong>若抵押權人為金融機構，可在全台任一所辦理</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>跨縣市代收：</strong>於任一登記機關送件，由其郵寄至所在地辦理</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:decimal;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>網路申請</strong>：若由地政士或律師代理，可透過「內政部數位櫃台」線上辦理</span></span></li></ol><h3 style="line-height:1.38;margin-bottom:2pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>注意事項提醒：</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若有文件遺失，應先補件或請銀行補發證明</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">抵押權人若為私人，務必親自出面或檢附印鑑證明</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">塗銷完成後，記得再次確認謄本內容，確認抵押權已正式塗銷</span></span></li></ul><p> </p><p> </p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:20pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>如何確認抵押權已經解除</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">房貸繳清後，雖然心中如釋重負，但這並不代表整個流程就結束了。想讓自己的不動產真正恢復「乾淨」的狀態，抵押權的塗銷確認是最後一個流程。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">想知道抵押權是否已經正式解除，可以從以下幾個面向確認：</span></span></p><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>第一步：</strong></span></span></h3><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">最直接的方法是向地政事務所申請最新的不動產謄本（又稱土地建物謄本）。完成塗銷登記後，謄本上的「他項權利」欄位中，原本的抵押權記錄會被劃除，或加註「</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>已塗銷</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">」字樣。這代表該筆抵押權已不具法律效力，不動產也正式回到可自由處分的狀態。</span></span></p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>第二步：</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若無法親自到地政事務所辦理，也可以透過地政機關的「</span></span><a style="text-decoration:none;" href="https://ep.land.nat.gov.tw/EpaperDoc/MainNew" rel="ugc"><span style="background-color:transparent;color:#1155cc;"><span style="-webkit-text-decoration-skip:none;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre-wrap;"><u>線上查詢系統</u></span></span></a><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">」輸入不動產資料，查詢抵押權是否已塗銷。這個方式簡便又快速，非常適合平日工作繁忙的屋主。</span></span></p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>第三步：</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">提醒您，塗銷的前提，是您已取得銀行或貸款機構出具的「</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>清償證明</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">」或「</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權塗銷同意書</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">」。這些文件不僅是向地政事務所申請塗銷的必要條件，也是一份「債務已結清」的明確佐證。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">最後一步，即使已完成塗銷登記，也建議您再次聯絡銀行或金融機構，確認他們內部系統已同步完成結案，避免未來因資訊未更新而產生誤會或糾紛。</span></span></p><h2><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>⚠️小提醒⚠️</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:0pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">不動產交易、申請新貸款，甚至繼承分割時都會牽涉到謄本內容，務必確認「抵押權」已消除，讓日後使用更無後顧之憂。</span></span></p><p> </p><h2 style="line-height:1.7999999999999998;margin-bottom:6pt;margin-top:14pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>塗銷費用與處理時間</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">很多人以為塗銷一定要花上一大筆錢，其實多數情況下並不會有額外登記規費。</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">地政事務所本身不收塗銷登記規費。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若您委託地政士或代書協助申辦，市價約落在 2,000 元上下（依地區而略有不同）。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若遇權利人失聯或產生爭議，可能需透過訴訟解決，相關的律師費與裁判費則會依案件複雜程度而有所不同。</span></span></li></ul><h3><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>辦理時間方面：</strong></span></span></h3><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">文件齊全的情況下，地政事務所通常可以在一小時內完成塗銷登記，並更新謄本資料。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">若資料不齊或有特殊情況，例如需補件、法院判決文件尚未出具，則處理時間可能拉長至數天或數週。</span></span></li></ul><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">⚠️</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>小提醒</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：建議提早準備、一次備齊文件，避免反覆奔波補件。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"> </p><h2 style="line-height:1.7999999999999998;margin-bottom:6pt;margin-top:14pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>該不該申請塗銷？這樣判斷最清楚</strong></span></span></h2><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">通常情況下，只要債務已經</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>清償完畢</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">、</span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>抵押權消滅</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">，就應主動辦理塗銷。否則登記簿上仍顯示該筆抵押權，未來若要出售、繼承或再貸款，都可能受到限制或引發糾紛。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">但也有例外。有些情況下，選擇不立即塗銷，其實反而更具策略性與實用性，常見原因包括：</span></span></p><ul style="margin-bottom:0;margin-top:0;padding-inline-start:48px;"><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>增加房屋安全性</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：抵押權存在可讓詐騙集團無法輕易進行非法過戶或冒名交易。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>未來貸款彈性</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：若短期內可能再度向同一家銀行貸款，保留抵押權可免去重新設定的費用與手續。</span></span></li><li style="background-color:transparent;color:#000000;font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;list-style-type:disc;text-decoration:none;vertical-align:baseline;white-space:pre;" dir="ltr" aria-level="1"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>節省成本</strong></span><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">：塗銷會產生代書費，若非必要，可延後處理，避免當下支出。</span></span></li></ul><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">💡如果短期內沒有轉售計畫，且未來可能有資金調度需求，暫不塗銷抵押權，反而是一種更具彈性與安全性的做法。</span></span></p><figure class="image"><img style="aspect-ratio:1248/832;" src="https://r-tube.s3.ap-northeast-1.amazonaws.com/editor/ee23d61a-17c9-40fb-abe2-99ba013cee5c.png" width="1248" height="832" alt="抵押權塗銷常見問題與注意事項"></figure><h2 style="line-height:1.7999999999999998;margin-bottom:6pt;margin-top:14pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:16pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>常見問題與注意事項</strong></span></span></h2><h3 style="line-height:1.7999999999999998;margin-bottom:4pt;margin-top:14pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong> Q1：房貸還清後，銀行會主動辦理塗銷嗎？</strong></span></span></h3><p style="line-height:1.7999999999999998;margin-bottom:0pt;margin-top:14pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">不會。抵押權塗銷需由借款人主動申請，銀行不會自動處理。</span></span></p><h3 style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>Q2：私人抵押權塗銷需要印鑑證明嗎？</strong></span></span></h3><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">是的，非金融機構者需附印鑑證明，或抵押權人親自到場核對身份。</span></span></p><h3 style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:13.999999999999998pt;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;"><strong>Q3：塗銷未完成會影響什麼？</strong></span></span></h3><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">未完成塗銷將影響未來買賣、貸款、贈與或繼承，甚至降低房屋評價。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"> </p><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">還清房貸，是財務任務的結束，也是真正擁有房產的起點。塗銷登記，看似只是行政程序，卻關係著您不動產的完整性與交易自由。無論是為了未來的轉售規劃，還是想確保財產安全，建議您在繳清貸款後，詳細檢視是否需要辦理塗銷。</span></span></p><p style="line-height:1.7999999999999998;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span style="font-family:Arial,sans-serif;font-size:12pt;font-style:normal;font-variant:normal;font-weight:400;text-decoration:none;vertical-align:baseline;white-space:pre-wrap;">如果對流程有任何疑問，別急著一個人摸索，諮詢地政士或專業律師，能讓你少走許多彎路。</span></span></p><p style="line-height:1.38;margin-bottom:12pt;margin-top:12pt;" dir="ltr"><span style="background-color:transparent;color:#000000;"><span 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