{"id":25793,"date":"2022-12-05T16:02:24","date_gmt":"2022-12-05T08:02:24","guid":{"rendered":"https:\/\/www.1myfinance.com\/%e6%9c%aa%e5%88%86%e7%b1%bb\/%e7%94%b3%e8%af%b7%e8%b4%b7%e6%ac%be%e5%89%8d%e5%ba%94%e6%a3%80%e6%9f%a5%e7%9a%84-5-%e4%bb%b6%e4%ba%8b\/"},"modified":"2022-12-06T21:06:35","modified_gmt":"2022-12-06T13:06:35","slug":"%e7%94%b3%e8%af%b7%e8%b4%b7%e6%ac%be%e5%89%8d%e5%ba%94%e6%a3%80%e6%9f%a5%e7%9a%84-5-%e4%bb%b6%e4%ba%8b","status":"publish","type":"post","link":"https:\/\/www.1myfinance.com\/zh-hans\/%e6%9c%aa%e5%88%86%e7%b1%bb\/%e7%94%b3%e8%af%b7%e8%b4%b7%e6%ac%be%e5%89%8d%e5%ba%94%e6%a3%80%e6%9f%a5%e7%9a%84-5-%e4%bb%b6%e4%ba%8b\/","title":{"rendered":"\u4e94(5)\u4ef6\u7533\u8bf7\u8d37\u6b3e\u524d\u5e94\u68c0\u67e5\u7684\u4e8b"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u50cf\u7533\u8bf7\u8d37\u6b3e\u8fd9\u6837\u7684\u91cd\u5927\u8d22\u52a1\u51b3\u5b9a\u4f3c\u4e4e\u4ee4\u4eba\u671b\u800c\u751f\u754f\u3002\u00a0<\/span><span style=\"font-weight: 400;\">\u5728\u8fd9\u7bc7\u535a\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u8ba8\u8bba\u7533\u8bf7\u8d37\u6b3e\u524d\u5e94\u68c0\u67e5\u7684\u4e94\u4ef6\u4e8b\u3002 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7ee7\u7eed\u9605\u8bfb\u4ee5\u4e86\u89e3\u66f4\u591a\u4fe1\u606f\uff01<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>1. \u5229\u7387 <\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u5229\u7387\u662f<\/span><b>\u8d37\u65b9\u4e3a\u501f\u51fa\u4e00\u5b9a\u6570\u91cf\u7684\u94b1\u800c\u6536\u53d6\u7684\u8d39\u7528<\/b><span style=\"font-weight: 400;\">. \u8fd9\u5c06\u5e2e\u52a9\u60a8\u4f30\u7b97\u5728\u8d37\u6b3e\u671f\u9650\u5185\u60a8\u5c06\u652f\u4ed8\u591a\u5c11\u5229\u606f\u3002 \u5229\u7387\u901a\u5e38\u4ee5\u6bcf\u5e74\u767e\u5206\u6bd4 (APR) \u8868\u793a\u3002 <\/span><\/p>\n<p>\u57281MyFinance\uff0c KL Selangor\u7684\u5feb\u901f\u8d37\u6b3e\u53ef\u4ee5\u63d0\u4f9b\u4f4e\u81f31.5%\u7684\u5229\u7387\uff0c\u9ad8\u6279\u51c6\u7387<span style=\"font-weight: 400;\">. \u4f60\u53ef\u4ee5 <\/span><b>1\u5c0f\u65f6\u5185\u62ff\u5230\u94b1<\/b><span style=\"font-weight: 400;\"> \u7533\u8bf7\u8fc7\u7a0b\u5f88\u7b80\u5355\u3002 \u53ea\u9700\u00a0<\/span><b>3\u5206\u949f\u586b\u5199\u8868\u683c<\/b><span style=\"font-weight: 400;\">\uff0c\u7136\u540e\u5c31\u5b8c\u6210\u7533\u8bf7\u4e86\u3002<\/span><b>\u65e0\u62bc\u91d1\u3001\u7533\u8bf7\u8d39\u6216\u9690\u85cf\u8d39\u7528<\/b><span style=\"font-weight: 400;\">\uff0c\u7edd\u5bf9\u503c\u5f97\u4fe1\u8d56\uff01<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>2. \u60a8\u7684\u6536\u5165\u548c\u652f\u51fa<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u8fd9\u4e00\u6b65\u662f\u5fc5\u4e0d\u53ef\u5c11\u7684\uff0c\u56e0\u4e3a<\/span><b>\u5982\u679c\u4f60\u7684\u8d22\u52a1\u72b6\u51b5\u4e0d\u4f73<\/b><span style=\"font-weight: 400;\">\uff0c\u90a3\u4e48<\/span><b>\u6682\u65f6\u63a8\u8fdf\u8d37\u6b3e\u53ef\u80fd\u4f1a\u66f4\u597d<\/b><span style=\"font-weight: 400;\">. \u4e00\u65e6\u6e05\u695a\u5730\u4e86\u89e3\u4e86\u60a8\u7684\u60c5\u51b5\uff0c\u60a8\u5c31\u53ef\u4ee5\u81ea\u4fe1\u5730\u8ba1\u7b97\u60a8\u672a\u6765\u7684\u8d22\u52a1\u72b6\u51b5\u3002 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6559\u4f60\u4e00\u62db\u8ba1\u7b97\u4f60\u7684\u751f\u6d3b\u8d39\u7528\uff0c<\/span><b>\u4ece\u4f60\u7684\u6708\u85aa\u4e2d\u6263\u9664<\/b><span style=\"font-weight: 400;\">. <\/span><b>\u51cf\u53bb\u4efb\u4f55\u989d\u5916\u8d39\u7528<\/b><span style=\"font-weight: 400;\">\uff0c\u4f8b\u5982\u507f\u8fd8\u8d37\u6b3e\u3002 \u7136\u540e <\/span><b>\u5c06\u7ed3\u679c\u9664\u4ee5 12<\/b><span style=\"font-weight: 400;\"> \u83b7\u53d6\u60a8\u7684\u6bcf\u6708\u9884\u7b97\u3002 \u8fd9\u4f1a\u8ba9\u4f60\u4e86\u89e3\u4f60\u80fd\u8d1f\u62c5\u5f97\u8d77\u4ec0\u4e48\uff0c\u4e0d\u80fd\u8d1f\u62c5\u4ec0\u4e48\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>3. \u8d37\u6b3e\u79cd\u7c7b<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u9664\u6b64\u4e4b\u5916\uff0c\u60a8\u5fc5\u987b\u8003\u8651\u60a8\u60f3\u8981\u7684\u8d37\u6b3e\u7c7b\u578b\u3002 \u4e2a\u4eba\u8d37\u6b3e\u7684\u7279\u70b9\u3001\u5229\u7387\u548c\u6761\u6b3e\u5404\u4e0d\u76f8\u540c\u3002 \u4e00\u4e9b\u6700\u5e38\u89c1\u7684\u4e2a\u4eba\u8d37\u6b3e\u7c7b\u578b\u662f\u6709\u62c5\u4fdd\u7684\u4e2a\u4eba\u8d37\u6b3e\u548c\u65e0\u62c5\u4fdd\u7684\u4e2a\u4eba\u8d37\u6b3e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6709\u62c5\u4fdd\u7684\u4e2a\u4eba\u8d37\u6b3e\u9700\u8981\u5171\u540c\u7b7e\u7f72\u4eba\u3002 \u5b83\u7c7b\u4f3c\u4e8e\u4f20\u7edf\u7684\u623f\u5c4b\u62b5\u62bc\u8d37\u6b3e\uff0c\u53ea\u662f\u5b83\u4ee5\u8d37\u6b3e\u7533\u8bf7\u4eba\u7684\u4e2a\u4eba\u8d22\u4ea7\u4e3a\u62b5\u62bc\u3002 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u76f8\u53cd\uff0c\u65e0\u62b5\u62bc\u4e2a\u4eba\u8d37\u6b3e\u662f\u4e00\u79cd\u6ca1\u6709\u62b5\u62bc\u54c1\u62c5\u4fdd\u7684\u8d37\u6b3e\u3002 \u5b83\u4e0e\u4fe1\u7528\u5361\u7684\u4e0d\u540c\u4e4b\u5904\u5728\u4e8e\uff0c\u60a8\u501f\u5165\u7684\u662f\u7279\u5b9a\u91d1\u989d\u7684\u6b3e\u9879\uff0c\u5e76\u4e14\u60a8\u5fc5\u987b\u6309\u7167\u9884\u5148\u5b89\u6392\u7684\u65f6\u95f4\u8868\u8fd8\u6b3e\u3002 \u8d37\u6b3e\u91d1\u989d\u5206\u4e3a\u7b49\u989d\u7684\u6bcf\u6708\u4ed8\u6b3e\uff0c\u60a8\u5fc5\u987b\u5728\u6307\u5b9a\u671f\u9650\u5185\u652f\u4ed8\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>4. \u4fe1\u7528\u8bc4\u5206<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4fe1\u7528\u8bc4\u5206\u662f\u6839\u636e\u60a8\u7684\u4fe1\u7528\u4e60\u60ef\u5206\u914d\u7ed9\u60a8\u7684\u6570\u5b57\u3002 \u60a8\u7684\u4fe1\u7528\u4e60\u60ef\u5305\u62ec\u60a8\u6b20\u7684\u94b1\u6570\u4ee5\u53ca\u8d37\u65b9\u4f7f\u7528\u5b83\u6765\u786e\u5b9a\u60a8\u627f\u62c5\u7684\u98ce\u9669\u7684\u9891\u7387\u3002 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u60a8\u7684\u4fe1\u7528\u8bc4\u5206\u8d8a\u9ad8\uff0c\u60a8\u9762\u4e34\u7684\u98ce\u9669\u5c31\u8d8a\u5c0f\u3002 \u56e0\u6b64\uff0c\u8fd9\u5c06\u5e2e\u52a9\u60a8\u786e\u5b9a\u60a8\u662f\u5426\u83b7\u5f97\u4e86\u4e2a\u4eba\u6216\u5546\u4e1a\u8d37\u6b3e\u7684\u6279\u51c6\u3002<\/span><\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\" wp-image-25808\" src=\"https:\/\/www.1myfinance.com\/wp-content\/uploads\/2022\/12\/handshake-close-up-executives-300x200.jpg\" alt=\"\" width=\"739\" height=\"492\" srcset=\"https:\/\/www.1myfinance.com\/wp-content\/uploads\/2022\/12\/handshake-close-up-executives-300x200.jpg 300w, https:\/\/www.1myfinance.com\/wp-content\/uploads\/2022\/12\/handshake-close-up-executives-1024x683.jpg 1024w, https:\/\/www.1myfinance.com\/wp-content\/uploads\/2022\/12\/handshake-close-up-executives-768x512.jpg 768w, https:\/\/www.1myfinance.com\/wp-content\/uploads\/2022\/12\/handshake-close-up-executives.jpg 1500w\" sizes=\"(max-width: 739px) 100vw, 739px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">\u90a3\u4e48\uff0c\u4fe1\u7528\u5206\u6570\u4f4e\u600e\u4e48\u529e\uff1f<\/span><\/p>\n<p>\u9605\u8bfb\u8fd9\u7bc7\u6587\u7ae0\uff08\u53ef\u80fd\u5f71\u54cd\u60a8\u7684<strong><a href=\"https:\/\/www.1myfinance.com\/zh-hans\/%e6%9c%aa%e5%88%86%e7%b1%bb\/%e5%bd%b1%e5%93%8d%e6%82%a8%e7%9a%84%e4%bf%a1%e7%94%a8%e8%af%84%e5%88%86%e7%9a%84-5-%e4%b8%aa%e4%b8%bb%e8%a6%81%e5%9b%a0%e7%b4%a0\/\">\u4fe1\u7528\u8bc4\u5206<\/a><\/strong><span style=\"font-weight: 400;\">\u7684 5 \u4e2a\u56e0\u7d20<\/span><span style=\"font-weight: 400;\">). \u5b83\u5c06\u6559\u60a8\u5982\u4f55\u63d0\u9ad8\u4fe1\u7528\u8bc4\u5206\u5e76\u589e\u52a0\u83b7\u5f97\u6279\u51c6\u7684\u673a\u4f1a\u3002 <\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>5. \u4f60\u7684\u503a\u52a1<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6700\u540e\u4e00\u4e2a\u91cd\u8981\u7684\u8003\u8651\u56e0\u7d20\u662f\u68c0\u67e5\u60a8\u9700\u8981\u878d\u8d44\u591a\u5c11\u94b1\uff0c\u4ee5\u53ca\u662f\u5426\u6709\u5176\u4ed6\u53ef\u7528\u7684\u8d44\u91d1\u6765\u6e90\uff0c\u4f8b\u5982\u670b\u53cb\u6216\u5bb6\u4eba\u7684\u8d37\u6b3e\u3002 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e00\u65e6\u505a\u597d\u4e86\u8fd9\u4e9b\u8003\u8651\u5e76\u5b8c\u6210\u4e86\u6240\u6709\u5fc5\u8981\u7684\u51c6\u5907\u5de5\u4f5c\uff0c\u7533\u8bf7\u8d37\u6b3e\u5c31\u53d8\u5f97\u7b80\u5355\u591a\u4e86\uff01<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u50cf\u7533\u8bf7\u8d37\u6b3e\u8fd9\u6837\u7684\u91cd\u5927\u8d22\u52a1\u51b3\u5b9a\u4f3c\u4e4e\u4ee4\u4eba\u671b\u800c\u751f\u754f\u3002\u00a0\u5728\u8fd9\u7bc7\u535a\u6587\u4e2d\uff0c\u6211\u4eec\u5c06\u8ba8\u8bba\u7533\u8bf7\u8d37\u6b3e\u524d\u5e94\u68c0\u67e5\u7684\u4e94\u4ef6\u4e8b\u3002 \u7ee7\u7eed\u9605\u8bfb\u4ee5 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25790,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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