{"id":1226,"date":"2020-05-27T05:32:09","date_gmt":"2020-05-26T21:32:09","guid":{"rendered":"https:\/\/valueinmind.co\/?p=1226"},"modified":"2023-08-25T10:10:13","modified_gmt":"2023-08-25T02:10:13","slug":"what-is-a-personal-loan","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/what-is-a-personal-loan\/","title":{"rendered":"\u500b\u4eba\u8cb8\u6b3e\u77e5\u591a\u5c11\uff1f | \u7528\u5f97\u597d\u5c31\u662f\u4e00\u500b\u597d\u7684\u6295\u8cc7\uff0c\u7528\u5f97\u4e0d\u597d\u5247\u662f\u4e00\u5834\u60e1\u5922"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1226\" class=\"elementor elementor-1226\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c8ca43f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c8ca43f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b7a869b\" data-id=\"3b7a869b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5af1330 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"5af1330\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor-pro - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-table-of-contents .elementor-toc__header-title{color:var(--header-color)}.elementor-widget-table-of-contents.elementor-toc--collapsed .elementor-toc__toggle-button--collapse,.elementor-widget-table-of-contents:not(.elementor-toc--collapsed) .elementor-toc__toggle-button--expand{display:none}.elementor-widget-table-of-contents .elementor-widget-container{min-height:var(--box-min-height);border:var(--box-border-width,1px) solid var(--box-border-color,#9da5ae);border-radius:var(--box-border-radius,3px);background-color:var(--box-background-color);transition:min-height .4s;overflow:hidden}.elementor-toc__header{display:flex;align-items:center;justify-content:space-between;padding:var(--box-padding,20px);background-color:var(--header-background-color);border-bottom:var(--separator-width,1px) solid var(--box-border-color,#9da5ae)}.elementor-toc__header-title{font-size:18px;margin:0;color:var(--header-color);flex-grow:1}.elementor-toc__toggle-button{cursor:pointer;display:inline-flex}.elementor-toc__toggle-button i{color:var(--toggle-button-color)}.elementor-toc__toggle-button svg{height:1em;width:1em;fill:var(--toggle-button-color)}.elementor-toc__spinner-container{text-align:center}.elementor-toc__spinner{font-size:2em}.elementor-toc__spinner.e-font-icon-svg{height:1em;width:1em}.elementor-toc__body{padding:var(--box-padding,20px);max-height:var(--toc-body-max-height);overflow-y:auto}.elementor-toc__body::-webkit-scrollbar{width:7px}.elementor-toc__body::-webkit-scrollbar-thumb{background-color:#babfc5;border-radius:10px}.elementor-toc__list-wrapper{list-style:none;padding:0}.elementor-toc__list-item{margin-bottom:.5em}.elementor-toc__list-item.elementor-item-active{font-weight:700}.elementor-toc__list-item .elementor-toc__list-wrapper{margin-top:.5em;margin-inline-start:var(--nested-list-indent,1em)}.elementor-toc__list-item-text{transition-duration:var(--item-text-transition-duration)}.elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}.elementor-toc__list-item-text-wrapper{display:flex;align-items:center}.elementor-toc__list-item-text-wrapper:before,.elementor-toc__list-item-text-wrapper i{margin-inline-end:8px;color:var(--marker-color)}.elementor-toc__list-item-text-wrapper svg{margin-inline-end:8px;fill:var(--marker-color);height:var(--marker-size,.5em);width:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration);transition-duration:var(--item-text-transition-duration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\t\u6587\u7ae0\u5f88\u9577\uff0c\u4f60\u53ef\u4ee5\u5f9e\u9019\u88e1\u8df3\u8f49\u81f3\u4f60\u60f3\u770b\u7684\u6a19\u984c\t\t\t<\/h4>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__5af1330\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__5af1330\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__5af1330\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac6a1cf elementor-widget elementor-widget-text-editor\" data-id=\"ac6a1cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"text-align: left;\">\u5728\u4f60\u53ea\u6709\u5c11\u91cf\u73fe\u91d1\u3001\u6c92\u6709\u5b58\u6b3e\u3001\u6c92\u6709\u4efb\u4f55\u503c\u9322\u7684\u6771\u897f\u53ef\u4ee5\u8b8a\u8ce3\u3001\u6c92\u6709\u89aa\u4eba\u670b\u53cb\u9858\u610f\u501f\u9322\u7d66\u4f60\u3001\u4f46\u662f\u4f60\u53c8\u5728\u77ed\u6642\u9593\u5167\u9700\u8981\u7528\u5230\u4e00\u7b46\u9322\u7684\u6642\u5019\uff0c\u4f60\u53ef\u4ee5\u600e\u9ebd\u8fa6\uff1f<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1233 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u600e\u9ebd\u8fa6.png\" alt=\"\u4f60\u61c9\u8a72\u8981\u600e\u9ebd\u8fa6\uff1f\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u600e\u9ebd\u8fa6.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u600e\u9ebd\u8fa6-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u600e\u9ebd\u8fa6-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u500b\u4eba\u8cb8\u6b3e (personal loan) \u662f\u4e00\u500b\u5e6b\u52a9\u4f60\u66ab\u6642\u7de9\u89e3\u7d93\u6fdf\u56f0\u5883\u7684\u5de5\u5177\u3002<\/p><p>\u7576\u4f60\u501f\u4e86\u500b\u4eba\u8cb8\u6b3e\uff0c\u4f60\u53ef\u4ee5\u81ea\u884c\u6c7a\u5b9a\u5982\u4f55\u4f7f\u7528\u90a3\u7b46\u9322\u3002\u4f60\u80fd\u5920\u7528\u4f86\u652f\u4ed8\u5404\u7a2e\u500b\u4eba\u7684\u8cbb\u7528\uff0c\u5982\uff1a\u7d50\u5a5a\u3001\u88dd\u4fee\u623f\u5b50\u3001\u91ab\u85e5\u8cbb\u3001\u8cb7\u5c08\u696d\u8a2d\u5099\u3001\u4fee\u8eca\u6216\u652f\u4ed8\u65e5\u5e38\u8cbb\u7528\u7b49\u7b49\u3002<\/p><p>\u60f3\u901a\u904e\u500b\u4eba\u8cb8\u6b3e\u53d6\u5f97\u8cc7\u91d1\u5468\u8f49\uff0c\u4f46\u662f\u5c0d\u500b\u4eba\u8cb8\u6b3e\u4e0d\u592a\u719f\u6089\uff0c\u4e0d\u77e5\u9053\u5982\u4f55\u7533\u8acb\uff0c\u7533\u8acb\u8cbb\u7528\uff0c\u61c9\u4e0d\u61c9\u8a72\u501f\u6b3e\u7b49\u7b49\u3002<\/p><p>\u4eca\u5929\u9019\u7bc7\u6587\u7ae0\u6211\u5c31\u4f86\u70ba\u5927\u5bb6\u89e3\u91cb\u300c\u500b\u4eba\u8cb8\u6b3e\u300d\u4ee5\u53ca\u60f3\u8981\u501f\u6b3e\u7684\u6ce8\u610f\u4e8b\u9805\u3002\u6587\u7ae0\u5167\u5bb9\u6703\u5305\u542b\u4ee5\u4e0b\u5e7e\u500b\u90e8\u5206\uff1a<\/p><ul><li>\u500b\u4eba\u8cb8\u6b3e\u548c\u666e\u901a\u8cb8\u6b3e\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1f<\/li><li>\u500b\u4eba\u8cb8\u6b3e\u7684\u5169\u5927\u985e\u578b<\/li><li>\u54ea\u88e1\u53ef\u4ee5\u501f\u500b\u4eba\u8cb8\u6b3e\uff1f<\/li><li>\u500b\u4eba\u8cb8\u6b3e\u7533\u8acb\u689d\u4ef6\u53ca\u6279\u51c6\u6642\u9593<\/li><li>\u500b\u4eba\u8cb8\u6b3e\u7684\u5229\u606f\u8207\u8cbb\u7528<\/li><li>\u500b\u4eba\u8cb8\u6b3e\uff0c\u503c\u5f97\u55ce\uff1f<\/li><li>\u9084\u6b3e\u80fd\u529b\u4e0d\u8db3\uff0c\u6709\u4ec0\u9ebc\u8fa6\u6cd5\uff1f<\/li><\/ul><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u8207\u666e\u901a\u8cb8\u6b3e\u6709\u4ec0\u9ebd\u4e0d\u540c\uff1f<\/span><\/h2><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1234 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6709\u4ec0\u9ebd\u4e0d\u540c.png\" alt=\"\u500b\u4eba\u8cb8\u6b3e\u8207\u666e\u901a\u8cb8\u6b3e\u6709\u4ec0\u9ebd\u4e0d\u540c\uff1f\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6709\u4ec0\u9ebd\u4e0d\u540c.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6709\u4ec0\u9ebd\u4e0d\u540c-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6709\u4ec0\u9ebd\u4e0d\u540c-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h3><span style=\"color: #62c3c9;\">\u8cb8\u6b3e\u7528\u9014<\/span><\/h3><p>\u500b\u4eba\u8cb8\u6b3e\u53ef\u4ee5\u652f\u4ed8\u4f60\u7684\u4efb\u4f55\u4e00\u7a2e\u500b\u4eba\u82b1\u8cbb\u3002<\/p><p>\u5e02\u9762\u4e0a\u7684\u666e\u901a\u8cb8\u6b3e\uff0c\u5982\u8eca\u8cb8 (car loan)\u3001\u751f\u610f\u8cb8\u6b3e (business loan)\u53ca\u623f\u5c4b\u8cb8\u6b3e (housing loan) \u662f\u4e0d\u80fd\u7528\u5728\u8d85\u51fa\u9650\u5b9a\u7bc4\u570d\u7684\u7528\u9014\u3002<\/p><p>\u8eca\u8cb8\u5c31\u53ea\u80fd\u7528\u4f86\u652f\u4ed8\u8cb7\u8eca\u7684\u8cbb\u7528\uff1b\u751f\u610f\u8cb8\u6b3e\u5c31\u53ea\u80fd\u7528\u5728\u751f\u610f\u4e0a\u7684\u958b\u92b7\uff1b\u623f\u5c4b\u8cb8\u6b3e\u5c31\u53ea\u80fd\u7528\u4f86\u652f\u4ed8\u8cb7\u623f\u5b50\u7684\u8cbb\u7528\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u8cb8\u6b3e\u516c\u53f8\u7684\u98a8\u96aa<\/span><\/h3><p>\u6bd4\u8d77\u8eca\u8cb8\u3001\u623f\u5c4b\u8cb8\u6b3e\u53ca\u751f\u610f\u8cb8\u6b3e\uff0c\u94f6\u884c\u6216\u8cb8\u6b3e\u516c\u53f8 (lender) \u5728\u767c\u653e\u500b\u4eba\u8cb8\u6b3e\u4e2d\u6240\u8981\u627f\u64d4\u7684\u98a8\u96aa\u8f03\u9ad8\u3002<\/p><p>\u63db\u53e5\u8a71\u8aaa\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u7121\u6cd5\u5f9e\u501f\u6b3e\u4eba (borrower) \u7d22\u56de\u8cb8\u6b3e\u6b3e\u984d\u7684\u6a5f\u7387\u6703\u66f4\u9ad8\u3002<\/p><p>\u70ba\u4ec0\u9ebd\u6703\u9019\u6a23\u5462\uff1f<\/p><p>\u56e0\u70ba\u500b\u4eba\u8cb8\u6b3e\u53ef\u4ee5\u88ab\u7528\u65bc\u652f\u4ed8\u4efb\u4f55\u4e00\u7a2e\u82b1\u8cbb\u3002\u501f\u6b3e\u4eba\u6709\u53ef\u80fd\u5728\u6c92\u6709\u505a\u597d\u8ca1\u52d9\u898f\u5283\u7684\u60c5\u6cc1\u4e0b\uff0c\u6beb\u7121\u7bc0\u5236\u5730\u628a\u501f\u4f86\u7684\u9322\u63ee\u970d\u6389\u3002\u501f\u6b3e\u4eba\u4e5f\u6709\u53ef\u80fd\u628a\u9322\u7528\u5728\u975e\u6cd5\u7684\u4ea4\u6613\u4e0a\uff0c\u88ab\u902e\u6355\u7684\u6642\u5019\uff0c\u5c31\u7121\u6cd5\u9084\u50b5\u4e86\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u8cb8\u6b3e\u6b3e\u984d<\/span><\/h3><p>\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u4e00\u822c\u4e0a\u4e0d\u6703\u5728\u500b\u4eba\u8cb8\u6b3e\u4e0a\u501f\u51fa\u592a\u591a\u7684\u9322\uff0c\u4ee5\u4fbf\u4fdd\u8b77\u81ea\u5df1\u3002\u842c\u4e00\u6536\u4e0d\u56de\u90a3\u7b46\u9322\uff0c\u5b83\u5011\u6240\u9762\u81e8\u7684\u8667\u640d\u4e5f\u4e0d\u6703\u592a\u591a\u3002<\/p><p>\u901a\u904e\u500b\u4eba\u8cb8\u6b3e\uff0c\u4f60\u53ef\u4ee5\u501f\u5230\u4e0d\u5c11\u904eRM1000\u53ca\u6700\u9ad8\u53ef\u80fd\u9054\u5230RM300,000\u800c\u5df2\u3002<\/p><p>\u7136\u800c\uff0c\u4f60\u80fd\u5920\u901a\u904e\u666e\u901a\u8cb8\u6b3e\u501f\u5230\u9060\u9060\u8d85\u904e\u500b\u4eba\u8cb8\u6b3e\u7684\u9322\u3002\u4f8b\u5982\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u53ef\u5728\u751f\u610f\u8cb8\u6b3e\u4e2d\u767c\u653e\u7684\u8cb8\u6b3e\u6b3e\u984d\u9ad8\u90545\u767e\u842c\u4ee4\u5409\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u6240\u9700\u7684\u6587\u4ef6<\/span><\/h3><p>\u76f8\u8f03\u65bc\u666e\u901a\u8cb8\u6b3e\uff0c\u4f60\u5728\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u7684\u6642\u5019\u9700\u8981\u6e96\u5099\u7684\u6587\u4ef6\u8f03\u5c11\u3002\u4e00\u822c\u4e0a\uff0c\u4f60\u53ea\u9700\u8981\u6e96\u5099\uff1a<\/p><ul><li>\u6c34\u96fb\u55ae<\/li><li>3\u500b\u6708\u85aa\u6c34\u55ae<\/li><li>3\u500b\u6708\u9280\u884c\u5e33\u55ae<\/li><li>\u516c\u7a4d\u91d1 (EPF) Statement<\/li><li>\u8eab\u4efd\u8b49 (IC) \u7b49\u7b49<\/li><\/ul><p>\u6ce8\uff1a\u6bcf\u5bb6\u9280\u884c\u53ca\u8cb8\u6b3e\u516c\u53f8\u6709\u4e0d\u540c\u7684\u7533\u8acb\u6587\u4ef6\u9700\u6c42\u3002<\/p><p>\u7533\u8acb\u8eca\u8cb8\u3001\u623f\u5c4b\u8cb8\u6b3e\u53ca\u751f\u610f\u8cb8\u6b3e\u6240\u9700\u7684\u6587\u4ef6\u5c31\u6c92\u6709\u90a3\u9ebd\u7c21\u55ae\u4e86\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u511f\u9084\u8cb8\u6b3e\u7684\u671f\u9650<\/span><\/h3><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1236\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9084\u6b3e\u671f\u9650.png\" alt=\"\u4e0d\u540c\u7684\u9280\u884c\u53ca\u8cb8\u6b3e\u516c\u53f8\u6709\u4e0d\u540c\u7684\u511f\u9084\u8cb8\u6b3e\u671f\u9650\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9084\u6b3e\u671f\u9650.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9084\u6b3e\u671f\u9650-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u9084\u6b3e\u671f\u9650-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u8cb8\u6b3e\u7684\u689d\u6b3e (Terms) \u6703\u96a8\u8457\u501f\u6b3e\u4eba\u7684\u8cb8\u6b3e\u76ee\u7684\uff0c\u4f86\u505a\u51fa\u8abf\u6574\u3002<\/p><p>\u500b\u4eba\u8cb8\u6b3e\u4e00\u822c\u4e0a\u90fd\u662f\u77ed\u671f\u8cb8\u6b3e\u3002\u4f60\u5fc5\u9808\u5728\u77ed\u671f\u5167\uff08\u4e0d\u8d85\u904e10\u5e74\uff09\u628a\u9023\u672c\u5e36\u5229\u628a\u8cb8\u6b3e\u9084\u6e05\u3002<\/p><p>\u666e\u901a\u8cb8\u6b3e\u5247\u6709\u77ed\u671f\u8cb8\u6b3e\u548c\u9577\u671f\u8cb8\u6b3e\uff08\u598230\u5e74\uff09\u5169\u7a2e\u9078\u64c7\u3002<\/p><p>\u8207\u5927\u591a\u6578\u8cb8\u6b3e\u4e00\u6a23\uff0c\u4f60\u5fc5\u9808\u6bcf\u500b\u6708\u511f\u9084\u500b\u4eba\u8cb8\u6b3e\u3002\u81f3\u65bc\u6bcf\u6708\u9084\u6b3e\u6578\u984d\u53ca\u78ba\u5207\u7684\u9084\u6b3e\u671f\u9650\uff0c\u5c31\u8996\u4f60\u6240\u501f\u8cb8\u7684\u6578\u984d\u800c\u5b9a\u4e86\u3002<span style=\"color: #181818; font-family: 'Noto Sans TC', sans-serif; font-size: 1rem; font-weight: 500;\">\u00a0<\/span><\/p><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u7684\u7a2e\u985e<\/span><\/h2><h6>\u00a0<\/h6><p>\u500b\u4eba\u8cb8\u6b3e\u4e3b\u8981\u5206\u70ba<strong>\u7121\u64d4\u4fdd\u8cb8\u6b3e (unsecured loan)<\/strong> \u548c<strong>\u64d4\u4fdd\u8cb8\u6b3e (secured loan)<\/strong>\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"521\" class=\"wp-image-1237\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5169\u7a2e\u9078\u64c7.png\" alt=\"\u500b\u4eba\u8cb8\u6b3e\u6709\u5169\u7a2e\uff1a\u7121\u64d4\u4fdd\u8cb8\u6b3e\u548c\u64d4\u4fdd\u8cb8\u6b3e\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5169\u7a2e\u9078\u64c7.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5169\u7a2e\u9078\u64c7-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5169\u7a2e\u9078\u64c7-768x513.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><h3><span style=\"color: #62c3c9;\">\u7121\u64d4\u4fdd\u8cb8\u6b3e (unsecured loan)<\/span><\/h3><p>\u5982\u679c\u4f60\u7533\u8acb\u7684\u662f\u7121\u64d4\u4fdd\u8cb8\u6b3e\uff0c\u4f60\u4e0d\u9700\u8981\u627e\u4e00\u500b\u64d4\u4fdd\u4eba\u4f86\u70ba\u4f60\u505a\u64d4\u4fdd\uff0c\u4e5f\u4e0d\u5fc5\u5411\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u62b5\u62bc\u4efb\u4f55\u8cc7\u7522\u3002<\/p><p>\u7531\u65bc\u6c92\u6709\u64d4\u4fdd\u4eba\u6216\u4efb\u4f55\u8cc7\u7522\u4f5c\u70ba\u62b5\u62bc\uff0c\u4f60\u5728\u7533\u8acb\u7121\u64d4\u4fdd\u8cb8\u6b3e\u6642\u6240\u9762\u81e8\u7684\u7a0b\u5e8f\u6703\u6bd4\u8f03\u8907\u96dc\u3002<\/p><p>\u4f60\u5fc5\u9808\u5411\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u8b49\u660e\u4f60\u662f\u6709\u80fd\u529b\u511f\u9084\u8cb8\u6b3e\u7684\uff0c\u6240\u4ee5\u4f60\u5fc5\u9808\u63d0\u4f9b\u66f4\u52a0\u8a73\u7d30\u7684\u6587\u4ef6\u3001\u6216\u6e96\u5099\u66f4\u591a\u7684\u6587\u4ef6\u4f86\u8b49\u660e\u81ea\u5df1\u7684\u8ca1\u52d9\u72c0\u6cc1\u826f\u597d\u7b49\u7b49\u3002<\/p><p>\u7531\u65bc\u7121\u64d4\u4fdd\u8cb8\u6b3e\u5c0d\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u7684\u98a8\u96aa\u8f03\u9ad8\uff0c\u6240\u4ee5\u9019\u985e\u578b\u7684\u8cb8\u6b3e\u5229\u606f\u4e5f\u76f8\u5c0d\u8f03\u9ad8\u3002<\/p><p>\u6b64\u5916\uff0c\u4f60\u4e00\u5b9a\u8981\u5728\u6bcf\u500b\u6708\u6309\u6642\u9084\u6b3e\u3002\u5982\u679c\u4f60\u9072\u9084\u6b3e\uff0c\u4f60\u7684\u500b\u4eba\u4fe1\u7528\u53ef\u80fd\u6703\u88ab\u5f71\u97ff\u3002<\/p><p>\u82e5\u4f60\u7684\u500b\u4eba\u4fe1\u7528\u4e0d\u597d\uff0c\u4f60\u5728\u672a\u4f86\u53ef\u80fd\u6703\u9762\u81e8\u8cb8\u6b3e\u7533\u8acb\u88ab\u62d2\u7d55\u7684\u60c5\u6cc1\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u64d4\u4fdd\u8cb8\u6b3e (secured loan)\u00a0<\/span><\/h3><p>\u5728\u64d4\u4fdd\u8cb8\u6b3e (secured loan) \uff0c\u4f60\u5fc5\u9808\u5411\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u63d0\u4f9b\u8cc7\u7522\u4f5c\u70ba\u62b5\u62bc\uff0c\u6216\u627e\u4f86\u64d4\u4fdd\u4eba(guarantor) \u70ba\u4f60\u505a\u64d4\u4fdd\uff0c\u4ee5\u78ba\u4fdd\u4f60\u4e00\u5b9a\u6703\u9084\u6e05\u50b5\u52d9\u3002<\/p><p>\u5982\u679c\u4f60\u5728\u501f\u4e86\u64d4\u4fdd\u8cb8\u6b3e\u5f8c\u6c92\u6709\u9084\u50b5\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u5c07\u6703\u552e\u51fa\u4f60\u6240\u62b5\u62bc\u7684\u8cc7\u7522\uff0c\u6216\u8005\u662f\u8981\u6c42\u64d4\u4fdd\u4eba\u4f86\u5e6b\u4f60\u511f\u9084\u4f60\u6240\u6b20\u4e0b\u7684\u50b5\u52d9\u3002<\/p><p>\u9019\u6a23\u4e00\u4f86\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u80fd\u5920\u5f9e\u591a\u7a2e\u6e20\u9053\u4f86\u7d22\u56de\u4f60\u6240\u501f\u8cb8\u7684\u6b3e\u984d\uff0c\u501f\u8cb8\u98a8\u96aa\u8f03\u4f4e\u3002<\/p><p>\u6240\u4ee5\uff0c\u64d4\u4fdd\u8cb8\u6b3e\u7684\u5be9\u6838\u7a0b\u5e8f\u6bd4\u7121\u64d4\u4fdd\u8cb8\u6b3e\u7684\u66f4\u5bec\u677e\uff0c\u8b93\u4f60\u66f4\u5bb9\u6613\u3001\u5728\u66f4\u77ed\u7684\u6642\u9593\u5167\u5c31\u80fd\u5920\u7372\u5f97\u8cb8\u6b3e\u3002<\/p><p>\u6b64\u5916\uff0c\u64d4\u4fdd\u8cb8\u6b3e\u7684\u5229\u606f\u4e5f\u6bd4\u7121\u64d4\u4fdd\u8cb8\u6b3e\u4f86\u5f97\u4f4e\u3002<\/p><h4>\u64d4\u4fdd\u4eba\u7684\u98a8\u96aa<\/h4><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"522\" class=\"wp-image-1238\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u98a8\u96aa.png\" alt=\"\u505a\u64d4\u4fdd\u4eba\u7684\u98a8\u96aa\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u98a8\u96aa.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u98a8\u96aa-300x201.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u98a8\u96aa-768x514.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5c0d\u65bc\u64d4\u4fdd\u4eba\u4f86\u8aaa\uff0c\u5e6b\u4eba\u505a\u64d4\u4fdd\u6709\u4e00\u5b9a\u7684\u98a8\u96aa\uff0c\u5c31\u7b97\u5c0d\u65b9\u662f\u4f60\u719f\u8b58\u7684\u670b\u53cb\u6216\u89aa\u4eba\u3002<\/p><p>\u5982\u679c\u6709\u4e00\u5929\uff0c\u4f60\u7684\u670b\u53cb\u554f\u4f60\u80fd\u4e0d\u80fd\u5920\u5e6b\u4ed6\u505a\u64d4\u4fdd\u4eba\uff0c\u5728\u4f60\u7b54\u61c9\u5c0d\u65b9\u4e4b\u524d\uff0c\u4f60\u5fc5\u9808\u6e05\u695a\u77e5\u9053\uff0c\u5230\u5e95\u5c0d\u65b9\u662f\u5426\u771f\u7684\u6709\u80fd\u529b\u511f\u9084\u8cb8\u6b3e\u3002<\/p><p>\u7576\u7136\uff0c\u5982\u679c\u4f60\u77ad\u89e3\u5c0d\u65b9\u7684\u9084\u8cb8\u8a08\u5283\u8d8a\u591a\u3001\u8d8a\u8a73\u7d30\uff0c\u5c0d\u4f60\u6240\u627f\u64d4\u7684\u98a8\u96aa\u5247\u8f03\u4f4e\u3002<\/p><p>\u5982\u679c\u501f\u6b3e\u4eba\u7121\u6cd5\u511f\u9084\u8cb8\u6b3e\uff0c\u8eab\u70ba\u64d4\u4fdd\u4eba\u7684\u4f60\uff0c\u5c31\u5fc5\u9808\u627f\u64d4\u5c0d\u65b9\u7684\u50b5\u52d9\uff0c\u5e6b\u4ed6\u9084\u50b5\u3002\u6240\u4ee5\u5728\u4f60\u7b54\u61c9\u5c0d\u65b9\u6210\u70ba\u64d4\u4fdd\u4eba\u4e4b\u524d\uff0c\u8acb\u4f60<a href=\"https:\/\/www.sinchew.com.my\/content\/content_506086.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u5148\u4e09\u601d<\/a>\uff01<\/p><h2><span style=\"color: #3b7aab;\">\u4f60\u53ef\u4ee5\u53bb\u54ea\u88e1\u501f\u500b\u4eba\u8cb8\u6b3e\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u5e02\u9762\u4e0a\u6709\u8d85\u904e24\u5bb6\u88ab\u570b\u5bb6\u9280\u884c\u627f\u8a8d\u4e26\u76e3\u7763\u7684\u9280\u884c\u6216\u4e2d\u5c0f\u578b\u8cb8\u6b3e\u516c\u53f8\uff0c\u63d0\u4f9b\u4e0d\u540c\u5229\u7387\u548c\u512a\u60e0\u4f86\u5e6b\u52a9\u501f\u6b3e\u4eba\u89e3\u6c7a\u77ed\u66ab\u7684\u91d1\u9322\u9700\u6c42\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1240\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5404\u5927\u9280\u884c.png\" alt=\"\u5e02\u9762\u4e0a\u6709\u8d85\u904e24\u5bb6\u88ab\u570b\u5bb6\u9280\u884c\u627f\u8a8d\u4e26\u76e3\u7763\u7684\u9280\u884c\u6216\u4e2d\u5c0f\u578b\u8cb8\u6b3e\u516c\u53f8\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5404\u5927\u9280\u884c.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5404\u5927\u9280\u884c-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5404\u5927\u9280\u884c-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u4f60\u53ef\u4ee5\u5728\u5404\u5927\u9280\u884c\u5982<a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/loans\/personal\/personal_loan.page?\" target=\"_blank\" rel=\"noreferrer noopener\">Maybank<\/a>\u3001<a href=\"https:\/\/www.cimb.com.my\/en\/personal\/day-to-day-banking\/financing\/personal-financing.html\" target=\"_blank\" rel=\"noreferrer noopener\">CIMB Bank<\/a>\u3001<a href=\"https:\/\/www.pbebank.com\/Personal-Banking.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Public Bank<\/a>\u3001<a href=\"https:\/\/www.hlb.com.my\/en\/personal-banking\/loans\/personal-loan\/personal-loan.html\" target=\"_blank\" rel=\"noreferrer noopener\">Hong Leong Bank<\/a>\u7b49\u7b49\uff0c\u4ee5\u53ca\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u5982\u00a0<a href=\"https:\/\/jcl.my\/\" target=\"_blank\" rel=\"noopener\">JCL<\/a>\u3001<a href=\"https:\/\/www.mbsbbank.com\/consumer-banking\/financing\/personal-financing-i\" target=\"_blank\" rel=\"noopener\">MBSB<\/a>\u7b49\u7b49\u505a\u51fa\u500b\u4eba\u8cb8\u6b3e\u7684\u7533\u8acb\u3002<\/p><p>\u5982\u4eca\uff0c\u79d1\u6280\u767c\u9054\uff0c\u6211\u5011\u4e5f\u4e0d\u5fc5\u89aa\u81ea\u5230\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u53bb\u7533\u8acb\u8cb8\u6b3e\u4e86\u3002\u53ea\u8981\u6e96\u5099\u597d\u6240\u9700\u7684\u6587\u4ef6\uff0c\u4f60\u4e5f\u53ef\u4ee5\u5728\u7db2\u4e0a\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u3002<\/p><p>\u4f60\u53ef\u4ee5\u5230\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u7684\u7db2\u7ad9\u53bb\u641c\u5c0b\u6709\u95dc\u500b\u4eba\u8cb8\u6b3e\u7684\u9801\u9762\uff0c\u76f4\u63a5\u5728\u90a3\u88e1\u8fa6\u7406\u500b\u4eba\u8cb8\u6b3e\u3002<\/p><p>\u6216\u8005\uff0c\u4f60\u53ef\u4ee5\u5230\u4e00\u4e9b\u63d0\u4f9b\u500b\u4eba\u8cb8\u6b3e\u6bd4\u8f03\u670d\u52d9\u7684\u7db2\u7ad9\uff0c\u5982<a href=\"https:\/\/ringgitplus.com\/en\/personal-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">ringgitplus<\/a>\uff0c<a href=\"https:\/\/www.imoney.my\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\">imoney<\/a>\uff0c<a href=\"https:\/\/www.comparehero.my\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\">comparehero<\/a>\u53ca<a href=\"https:\/\/loanstreet.com.my\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\">loanstreet<\/a>\uff0c\u5728\u6bd4\u8f03\u4e86\u6240\u6709\u9078\u9805\u4ee5\u5f8c\uff0c\u518d\u7533\u8acb\u4f60\u8a8d\u70ba\u6700\u9069\u5408\u4f60\u7684\u516c\u53f8\u4ee5\u9032\u884c\u500b\u4eba\u8cb8\u6b3e\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u5411\u9280\u884c\u501f\u500b\u4eba\u8cb8\u6b3e\u7684\u597d\u8655\u8207\u58de\u8655<\/span><\/h3><p>\u9280\u884c\u5728\u5be9\u6279\u8cb8\u6b3e\u7533\u8acb\u7684\u65b9\u9762\u6703\u6709\u8f03\u591a\u7684\u9650\u5236\uff0c\u4e5f\u76f8\u5c0d\u6bd4\u8f03\u56b4\u683c\u3002\u4f60\u9700\u8981\u63d0\u4f9b\u8f03\u591a\u7684\u6587\u4ef6\u4ee5\u8b49\u660e\u4f60\u7684\u9084\u6b3e\u80fd\u529b\u3002<\/p><p>\u6b64\u5916\uff0c\u9280\u884c\u4e5f\u6703\u958b\u51fa\u4e00\u4e9b\u689d\u4ef6\u5982\uff1a\u4f60\u7684\u500b\u4eba\u4fe1\u7528\u5831\u544a (CCRIS) \u5fc5\u9808\u6709\u826f\u597d\u7684\u8a18\u9304\u3001\u4e0d\u80fd\u6709\u904e\u591a\u5176\u5b83\u7684\u8cb8\u6b3e (commitment)\u3001\u4e0d\u80fd\u6709\u7279\u5225\u95dc\u6ce8\u6236\u53e3 (special attention account) \u7b49\u7b49\u3002<\/p><p>\u4f46\u662f\uff0c\u5411\u9280\u884c\u501f\u500b\u4eba\u8cb8\u6b3e\u7684\u597d\u8655\u662f\uff1a\u8f03\u4f4e\u7684\u5229\u606f\u6536\u8cbb\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u5411\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u501f\u500b\u4eba\u8cb8\u6b3e\u7684\u597d\u8655\u8207\u58de\u8655<\/span><\/h3><p>\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u5728\u5be9\u6279\u500b\u4eba\u8cb8\u6b3e\u65b9\u9762\u7684\u9650\u5236\u5c31\u6bd4\u8f03\u5c11\uff0c\u6240\u4ee5\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u53ef\u4ee5\u6210\u70ba\u6211\u5011\u201c\u6c92\u6709\u5176\u5b83\u9078\u64c7\u4e4b\u4e0b\u7684\u9078\u64c7\u201d\uff0c\u4e5f\u5c31\u662f\u6c92\u6709\u8fa6\u6cd5\u4e0b\u7684\u8fa6\u6cd5\u4e86\u3002<\/p><p>\u5982\u679c\u88ab\u9280\u884c\u62d2\u7d55\u4e86\uff0c\u4f60\u53ef\u4ee5\u5411\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u8cb8\u6b3e\uff0c\u56e0\u70ba\u5b83\u5011\u4e0d\u50cf\u9280\u884c\u90a3\u9ebd\u56b4\u683c\u3002<\/p><p>\u96d6\u7136\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u5728\u5be9\u6279\u65b9\u9762\u6bd4\u8f03\u5bec\u677e\uff0c\u4f46\u5b83\u5011\u7d22\u53d6\u7684\u5229\u606f\u4e5f\u6703\u6bd4\u9280\u884c\u9ad8\u51fa\u5f88\u591a\u3002\u5982\u679c\u4f60\u4e0d\u6309\u6642\u9084\u9322\uff0c\u5229\u606f\u9084\u6703\u589e\u52a0\uff0c\u5c0e\u81f4\u4f60\u8d8a\u6b20\u8d8a\u591a\u9322\u3002<\/p><p>\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u662f\u53d7\u5230\u6cd5\u5f8b\u7d04\u675f\u7684\uff0c\u6240\u4ee5\u5b83\u5011\u53ea\u80fd\u5920\u900f\u904e\u6b63\u7576\u65b9\u5f0f\u4f86\u6536\u53d6\u50b5\u52d9\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u6709\u5176\u5b83\u65b9\u6cd5\u501f\u5230\u500b\u4eba\u8cb8\u6b3e\u55ce\uff1f<\/span><\/h3><p>\u5e02\u5834\u4e0a\u4e5f\u6709\u4e00\u5927\u5806\u4e0d\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\uff0c\u7c21\u7a31\u201c\u5927\u8033\u7abf\u201d\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1241\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5343\u842c\u4e0d\u8981.png\" alt=\"\u5343\u842c\u4e0d\u8981\u5411\u4e0d\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u8cb8\u6b3e\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5343\u842c\u4e0d\u8981.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5343\u842c\u4e0d\u8981-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5343\u842c\u4e0d\u8981-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5728\u9019\u88e1\u63d0\u9192\u5927\u5bb6\uff0c\u5343\u842c\u4e0d\u8981\u5411\u4e0d\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u8cb8\u6b3e\uff0c\u56e0\u70ba\u5b83\u5011\u7684\u5229\u606f\u8d85\u9ad8\uff0c\u8b93\u4f60\u5230\u6700\u5f8c\u80cc\u8ca0\u7121\u6cd5\u60f3\u8c61\u7684\u5de8\u6b3e\u3002<\/p><p>\u6b64\u5916\uff0c\u5b83\u5011\u53ef\u80fd\u6703\u7528\u4e0d\u5408\u6cd5\u7684\u624b\u6bb5\u8ffd\u50b5\uff0c\u5982\u6f51\u7d05\u6f06\u3001\u9396\u9580\u3001\u653e\u706b\u3001\u6050\u5687\u7b49\u7b49\uff0c\u8b93\u4f60\u89ba\u5f97\u751f\u547d\u53d7\u5230\u5a01\u8105\uff0c\u5929\u5929\u90fd\u5fc5\u9808\u64d4\u9a5a\u53d7\u6015\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u7533\u8acb\u689d\u4ef6<\/span><\/h2><h6>\u00a0<\/h6><p>\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u5982\u679c\u8981\u5411\u9280\u884c\u6216\u5408\u6cd5\u7684\u8cb8\u6b3e\u516c\u53f8\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\uff0c\u6709\u4ec0\u9ebd\u689d\u4ef6\u5462\uff1f<\/p><p>\u5982\u679c\u4f60\u7b26\u5408\u4ee5\u4e0b\u7684\u689d\u4ef6\uff0c\u5c31\u80fd\u5920\u643a\u5e36\u76f8\u95dc\u6587\u4ef6\u53bb\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u4e86\uff1a<\/p><ul><li>\u99ac\u4f86\u897f\u4e9e\u4eba<\/li><li>\u64c1\u6709\u7a69\u5b9a\u7684\u5de5\u4f5c<\/li><li>\u85aa\u6c34\u81f3\u5c11\u6709RM1,000<\/li><li>\u4ecb\u65bc18\u523060\u6b72<\/li><\/ul><p>\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4e0d\u540c\u7684\u8cb8\u6b3e\u516c\u53f8\u6709\u4e0d\u540c\u7684\u500b\u4eba\u8cb8\u6b3e\u7533\u8acb\u689d\u4ef6\u3002<\/p><p>\u5728\u7533\u8acb\u8cb8\u6b3e\u4e4b\u524d\uff0c\u5efa\u8b70\u4f60\u53bb\u7b97\u4e00\u7b97\u81ea\u5df1\u7684\u511f\u50b5\u6bd4\u7387 (Debt Service Ratio\uff0c\u7c21\u7a31DSR) \uff0c\u4ee5\u9810\u6e2c\u81ea\u5df1\u662f\u5426\u64c1\u6709\u511f\u9084\u50b5\u52d9\u7684\u80fd\u529b\u3002<\/p><p>\u4f60\u53ef\u4ee5\u5229\u7528\u4ee5\u4e0b\u7684\u65b9\u7a0b\u5f0f\u8a08\u7b97\u4f60\u7684DSR\uff1a<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"312\" class=\"wp-image-1243\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Debt-Service-Ratio-DSR-formula.png\" alt=\"\u511f\u50b5\u6bd4\u7387\uff0cDebt Service Ratio (DSR)\u7684\u7b97\u6cd5\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Debt-Service-Ratio-DSR-formula.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Debt-Service-Ratio-DSR-formula-300x120.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Debt-Service-Ratio-DSR-formula-768x307.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5047\u8a2d\u5c0f\u7de8\u6708\u85aa\u662fRM3,000\uff0c\u6bcf\u500b\u6708\u5fc5\u9808\u652f\u4ed8\u7e3d\u5171RM1,000\u7684\u50b5\u52d9\uff08\u8eca\u8cb8\u548c\u4fe1\u7528\u5361\u5e33\u55ae\uff09\uff0c\u6240\u4ee5\u5c0f\u7de8\u7684DSR\u8a08\u7b97\u5982\u4e0b\uff1a<\/p><p>DSR = RM1,000 \/ RM3,000 X 100% = 33.33%<\/p><p>\u4e00\u822c\u4e0a\uff0c\u6700\u826f\u597d\u7684DSR\u662f\u4e0d\u8d85\u904e40%\uff0c\u800c\u6700\u58de\u7684\u6253\u7b97\u662f60%\u4ee5\u4e0a\u3002<\/p><p>\u5728\u8cb8\u6b3e\u4e4b\u524d\uff0c\u5148\u5c07\u4f60\u5728\u8cb8\u6b3e\u904e\u5f8c\u6bcf\u500b\u6708\u9700\u8981\u511f\u9084\u7684\u6578\u984d\u627e\u51fa\u4f86\uff0c\u52a0\u4e0a\u672c\u8eab\u6bcf\u500b\u6708\u5c31\u5df2\u7d93\u5728\u511f\u9084\u7684\u50b5\u52d9\u6578\u984d\uff0c\u518d\u7b97\u51fa\u4f60\u7684DSR\u3002\u53ea\u8981DSR\u662f\u5728\u9069\u7576\u7684\u7bc4\u570d\u4e4b\u5167\uff0c\u90a3\u5c31\u53ef\u4ee5\u653e\u5fc3\u8cb8\u6b3e\u3002<\/p><p>\u5047\u8a2d\u5c0f\u7de8\u4eca\u5929\u8981\u5411\u9280\u884c\u501f\u4e00\u500bRM10,000\u7684\u8cb8\u6b3e\uff0c\u52067\u5e74\u9084\uff0c\u6bcf\u500b\u6708\u9700\u8981\u9084RM160\uff0c\u90a3\u5c0f\u7de8\u7684DSR\u8a08\u7b97\u5982\u4e0b\uff1a<\/p><p>DSR = RM1,160 \/ RM3,000 X 100% = 38.67%<\/p><p>\u7531\u65bcDSR\u4ecd\u5c11\u65bc40%\uff0c\u6240\u4ee5\u5c0f\u7de8\u53ef\u4ee5\u7533\u8acb\u9019\u500b\u8cb8\u6b3e\uff0c\u6bcf\u500b\u6708\u4e0d\u6703\u88ab\u50b5\u52d9\u58d3\u5f97\u5598\u4e0d\u904e\u6c23\uff0c\u4e5f\u80fd\u5920\u6309\u6642\u9084\u6b3e\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u9700\u8981\u591a\u4e45\u7684\u6642\u9593\u88ab\u6279\u51c6\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u4eca\u6642\u4eca\u65e5\u7684\u8cb8\u6b3e\u516c\u53f8\u7684\u624b\u7e8c\u6bd4\u4ee5\u524d\u5feb\u4e86\u8a31\u591a\uff0c\u53ea\u8981\u4f60\u6709\u9f4a\u5168\u7684\u6587\u4ef6\u548c\u826f\u597d\u4fe1\u7528\u8a18\u9304\uff0c\u4f60\u751a\u81f3\u53ef\u4ee5\u5728\u77ed\u77ed48\u500b\u5c0f\u6642\u5167\u5c31\u7372\u5f97\u8cb8\u6b3e\u4e86\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u7684\u5229\u606f\u600e\u9ebd\u7b97\uff1f<\/span><\/h2><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"438\" class=\"wp-image-1246\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u7b97\u500b\u4eba\u8cb8\u6b3e\u5229\u606f.png\" alt=\"\u500b\u4eba\u8cb8\u6b3e\u7684\u5229\u606f\u600e\u9ebd\u7b97\uff1f\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u7b97\u500b\u4eba\u8cb8\u6b3e\u5229\u606f.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u7b97\u500b\u4eba\u8cb8\u6b3e\u5229\u606f-300x168.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u8a08\u7b97\u500b\u4eba\u8cb8\u6b3e\u5229\u606f-768x431.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u73fe\u5728\u7684\u7db2\u7d61\u8cc7\u8a0a\u767c\u9054\uff0c\u4f60\u53ef\u4ee5\u8f15\u6613\u5730\u5728\u7db2\u4e0a\u627e\u5230\u500b\u4eba\u8cb8\u6b3e\u7684\u8cc7\u8a0a\u3002<\/p><p>\u4e0d\u540c\u7684\u9280\u884c\u63d0\u4f9b\u4e0d\u540c\u7684\u8cb8\u6b3e\u5229\u606f\uff0c\u7576\u7136\u4e5f\u6709\u4e0d\u540c\u7684\u8cb8\u6b3e\u689d\u4ef6\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u501f\u8cb8\u4f8b\u5b50<\/span><\/h3><p>\u5047\u8a2d\u4f60\u4eca\u5929\u60f3\u8981\u501f\u4e00\u500bRM10,000\u7684\u500b\u4eba\u8cb8\u6b3e\uff0c\u52065\u5e74\u511f\u9084\uff0c\u90a3\u4f60\u4e00\u500b\u6708\u9700\u8981\u9084\u591a\u5c11\u9322\u5462\uff1f<\/p><p>\uff08\u4ee5\u4e0b\u7684\u8cc7\u6599\u4f86\u6e90\u65bc2020\u5e745\u670826\u65e5\u53d6\u81ea<a href=\"https:\/\/www.comparehero.my\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\">Comparehero<\/a>\uff09<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"147\" class=\"wp-image-1244\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Bank-Rakyat-Personal-Loan.png\" alt=\"Bank Rakyat\u500b\u4eba\u8cb8\u6b3e\u7684\u8cc7\u8a0a\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Bank-Rakyat-Personal-Loan.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Bank-Rakyat-Personal-Loan-300x57.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/Bank-Rakyat-Personal-Loan-768x145.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5982\u679c\u4f60\u5411Bank Rakyat Malaysia\u7533\u8acb\u8cb8\u6b3e\uff0c\u5b83\u7684\u5229\u606f\u70ba3.27%\uff0c\u4f60\u4e00\u500b\u6708\u5247\u5fc5\u9808\u9084RM194\u3002<\/p><p>5\u5e74\u4e0b\u4f86\uff0c\u4f60\u4e00\u5171\u9084\u4e86RM11,635\uff0c\u5176\u4e2d\u9084\u4e0d\u5305\u62ec\u5370\u82b1\u7a05\u3001\u624b\u7e8c\u8cbb\u53ca\u5176\u5b83\u8cbb\u7528\u3002<\/p><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"152\" class=\"wp-image-1245\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/JCL-Personal-Loan.png\" alt=\"JCL\u500b\u4eba\u8cb8\u6b3e\u7684\u8cc7\u8a0a\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/JCL-Personal-Loan.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/JCL-Personal-Loan-300x58.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/JCL-Personal-Loan-768x150.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5982\u679c\u4f60\u5411\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8<a href=\"https:\/\/jcl.my\/\" target=\"_blank\" rel=\"noopener\">JCL<\/a>\u7533\u8acb\u8cb8\u6b3e\uff0c\u5b83\u7684\u5229\u606f\u70ba12%\uff0c\u4f60\u4e00\u500b\u6708\u5247\u5fc5\u9808\u9084RM267\u3002<\/p><p>5\u5e74\u4e0b\u4f86\uff0c\u4f60\u4e00\u5171\u9084\u4e86RM16,000\uff0c\u5176\u4e2d\u9084\u4e0d\u5305\u62ec\u5370\u82b1\u7a05\u3001\u624b\u7e8c\u8cbb\u53ca\u5176\u5b83\u8cbb\u7528\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u5176\u5b83\u8cbb\u7528<\/span><\/h2><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"473\" class=\"wp-image-1251\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5176\u5b83\u8d39\u7528.png\" alt=\"\u500b\u4eba\u8cb8\u6b3e\u7684\u5176\u5b83\u8cbb\u7528\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5176\u5b83\u8d39\u7528.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5176\u5b83\u8d39\u7528-300x182.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u5176\u5b83\u8d39\u7528-768x466.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u96d6\u7136\u500b\u4eba\u8cb8\u6b3e\u7684\u4e3b\u8981\u8cbb\u7528\u662f\u5229\u606f\u8cbb\u7528\uff0c\u4f46\u5176\u5be6\u9084\u6709\u5176\u5b83\u96b1\u85cf\u8cbb\u7528\uff0c\u5982\uff1a\u624b\u7e8c\u8cbb\u3001\u5370\u82b1\u7a05\u3001\u63d0\u524d\u9084\u6b3e\u8cbb\u7528\u3001\u5ef6\u9072\u9084\u6b3e\u8cbb\u7528\u3002<\/p><p><strong>\u624b\u7e8c\u8cbb (processing fees<\/strong>) \u5c31\u662f\u5728\u8fa6\u7406\u8cb8\u6b3e\u904e\u7a0b\u4e2d\u6240\u7522\u751f\u7684\u8cbb\u7528\u3002\u901a\u5e38\u9280\u884c\u53ca\u5408\u6cd5\u8cb8\u6b3e\u516c\u53f8\u90fd\u6703\u6536\u53d6\u4e00\u5b9a\u7684\u624b\u7e8c\u8cbb\u3002<\/p><p><strong>\u5370\u82b1\u7a05 (stamping fees)<\/strong> \u5247\u662f\u4e00\u500b\u8a8d\u8b49\u8cbb\u7528\uff0c\u4e5f\u5c31\u662f\u8aaa\u9280\u884c\u53ca\u8cb8\u6b3e\u516c\u53f8\u501f\u51fa\u53bb\u7684\u8cb8\u6b3e\u662f\u5408\u6cd5\u7684\uff0c\u4e26\u4e14\u53d7\u5230\u653f\u5e9c\u8a8d\u8b49\u3002\u6240\u4ee5\uff0c\u5b83\u5011\u6703\u5411\u4f60\u6536\u53d6\u5370\u82b1\u7a05\u3002<\/p><p>\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u5370\u82b1\u7a05\u901a\u5e38\u662f\u8cb8\u6b3e\u7e3d\u984d\u76840.5%\uff0c\u4e5f\u5c31\u662f\u6bcf\u501fRM1,000\uff0c\u8cb8\u6b3e\u516c\u53f8\u5c31\u6703\u6536\u53d6RM5\u7684\u5370\u82b1\u7a05\u3002\u4f46\u662f\uff0c\u4e5f\u6709\u4e9b\u8cb8\u6b3e\u516c\u53f8\u9078\u64c7\u4e0d\u5411\u501f\u6b3e\u4eba\u6536\u53d6\u5370\u82b1\u7a05\u3002<\/p><p>\u5982\u679c\u4f60\u60f3\u8981\u5728\u8cb8\u6b3e\u671f\u9650\u7d50\u675f\u4e4b\u524d\u9084\u6e05\u8cb8\u6b3e\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u6703\u5411\u4f60\u6536\u53d6\u4e00\u500b<strong>\u63d0\u524d\u9084\u6b3e\u8cbb (early repayment charges)<\/strong>\uff0c\u56e0\u70ba\u4f60\u6c92\u6709\u6839\u64da\u539f\u672c\u8a02\u4e0b\u7684\u671f\u9650\u4f86\u9084\u9322\u3002<\/p><p>\u5982\u679c\u4f60\u6c92\u6709\u5728\u6307\u5b9a\u7684\u671f\u9650\u5167\u9084\u9322\uff0c\u62d6\u6b20\u500b\u4eba\u8cb8\u6b3e\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u6703\u5411\u4f60\u6536\u53d6\u4e00\u500b<strong>\u5ef6\u9072\u4ed8\u6b3e\u8cbb\u7528(late payment charge)<\/strong>\u3002\u6bcf\u5bb6\u9280\u884c\u53ca\u8cb8\u6b3e\u516c\u53f8\u6536\u53d6\u7684\u8cbb\u7528\u90fd\u4e0d\u4e00\u6a23\uff0c\u901a\u5e38\u90fd\u662f\u6839\u64da\u7279\u5b9a\u7684\u5df4\u4ed9\u7387\u4f86\u5b9a\u3002<\/p><p>\u6240\u4ee5\uff0c\u5927\u5bb6\u4e0d\u8981\u8a8d\u70ba\u500b\u4eba\u8cb8\u6b3e\u7684\u8cbb\u7528\u5c31\u53ea\u662f\u5229\u606f\u6536\u8cbb\u90a3\u9ebd\u7c21\u55ae\u800c\u5df2\uff0c\u5176\u5be6\u5b83\u9084\u6709\u5176\u5b83\u96b1\u85cf\u7684\u8cbb\u7528\u7684\u3002<\/p><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/MjHCbtqxpSQ\" width=\"560\" height=\"500\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><h2><span style=\"color: #3b7aab;\">\u500b\u4eba\u8cb8\u6b3e\u503c\u4e0d\u503c\u5f97\u501f\u5462\uff1f<\/span><\/h2><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-1248\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7591\u60d1.png\" alt=\"\u500b\u4eba\u8cb8\u6b3e\u5230\u5e95\u503c\u4e0d\u503c\u5f97\u501f\u5462\uff1f\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7591\u60d1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7591\u60d1-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u7591\u60d1-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u500b\u4eba\u8cb8\u6b3e\u503c\u4e0d\u503c\u5f97\u501f\uff0c\u9019\u500b\u7b54\u6848\u56e0\u4eba\u800c\u7570\u3002<\/p><p>\u6709\u4e9b\u4eba\u89ba\u5f97\u500b\u4eba\u8cb8\u6b3e\u7684\u5229\u606f\u592a\u9ad8\uff0c\u4e0d\u503c\u5f97\u501f\uff1b\u6709\u4e9b\u4eba\u5247\u8a8d\u70ba\u500b\u4eba\u8cb8\u6b3e\u80fd\u5920\u8aaa\u5e6b\u52a9\u4ed6\u5011\u5b8c\u6210\u5922\u60f3\u3002<\/p><h3><span style=\"color: #62c3c9;\">\u5224\u65b7\u503c\u4e0d\u503c\u5f97\u7684\u5c0f\u6280\u5de7<\/span><\/h3><p>\u5728\u9019\u88e1\u7d66\u4f60\u4e00\u500b\u5c0f\u6280\u5de7\uff0c\u8b93\u4f60\u5728\u501f\u500b\u4eba\u8cb8\u6b3e\u4e4b\u524d\uff0c\u5224\u65b7\u9019\u9805\u8cb8\u6b3e\u5c0d\u4f60\u4f86\u8aaa\u5230\u5e95\u503c\u4e0d\u503c\u5f97\uff1a<\/p><p>\u5728\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\u524d\uff0c\u8acb\u4f60\u5148\u60f3\u4e00\u60f3\uff0c\u4f60\u6240\u8981\u82b1\u8cbb\u7684\u4e8b\u9805\uff0c\u80fd\u5426\u5728\u4ee5\u5f8c\u70ba\u4f60\u5e36\u4f86\u8d85\u904e\u8cb8\u6b3e\u53ca\u8cb8\u6b3e\u5229\u606f\u7684\u6536\u76ca\u3002<\/p><p>\u5047\u8a2d\u4eca\u5929\u4f60\u501f\u4e86RM10,000\uff0c\u52a0\u4e0a\u5229\u606f\uff0c\u5206\u671f\u4ed8\u6b3e\uff0c\u4f60\u4e00\u5171\u9700\u8981\u511f\u9084\u7684\u6b3e\u984d\u70baRM12,000\u3002<\/p><p><strong>\u60c5\u6cc1 A<\/strong> &#8211; \u5f9e\u5c0f\u5230\u5927\uff0c\u4f60\u5f88\u64c5\u9577\u8b1b\u7b11\u8a71\uff0c\u4e5f\u6709\u53bb\u4e0a\u904e\u5c08\u696d\u7684\u559c\u5287\u8868\u6f14\u8ab2\u3002\u70ba\u4e86\u628a\u641e\u7b11\u7576\u6210\u4e00\u500b\u4e8b\u696d\uff0c\u4f60\u7528\u9019\u7b46RM10,000\u8cb7\u4e86\u7c21\u55ae\u7684\u651d\u5f71\u5668\u6750\uff0c\u5e6b\u52a9\u4f60\u9304\u88fd\u641e\u7b11\u5f71\u7247\uff0c\u4e0a\u50b3\u5230\u7db2\u4e0a\u3002\u7531\u65bc\u4f60\u7684\u5f71\u7247\u5f88\u6709\u610f\u601d\uff0c\u7372\u5f97\u5927\u8846\u7684\u559c\u611b\uff0c\u8b93\u4f60\u5728\u5e7e\u5e74\u5167\u5c31\u8fc5\u901f\u8d70\u7d05\u3002\u4f60\u5f9e\u690d\u5165\u5ee3\u544a\u3001\u63a5\u4ee3\u8a00\u53ca\u51fa\u5e2d\u5546\u696d\u6d3b\u52d5\u4e2d\u8cfa\u53d6\u7684\u5229\u6f64\u9060\u9060\u8d85\u904e\u4e86\u4f60\u501f\u8cb8\u7684RM10,000\u53ca\u8cb8\u6b3e\u7684\u5229\u606f\u3002<\/p><p><strong>\u60c5\u6cc1 B<\/strong> &#8211; \u8eab\u908a\u7684\u670b\u53cb\u7d93\u5e38\u53bb\u65c5\u884c\uff0c\u4f60\u975e\u5e38\u5730\u7fa1\u6155\uff0c\u4e5f\u5f88\u60f3\u53bb\u3002\u70ba\u4e86\u8b93\u81ea\u5df1\u986f\u5f97\u9ad8\u4eba\u4e00\u7b49\uff0c\u4f60\u6c7a\u5b9a\u8981\u53bb\u6b50\u6d32\u73a9\u5169\u500b\u661f\u671f\u3002\u7531\u65bc\u4f60\u76ee\u524d\u6c92\u6709\u80fd\u529b\u652f\u4ed8\u6602\u8cb4\u7684\u65c5\u8cbb\uff0c\u4f60\u5c31\u5411\u9280\u884c\u501f\u4e86RM10,000\uff0c\u518d\u52a0\u4e0a\u4e00\u4e9b\u4e4b\u524d\u7684\u5132\u84c4\uff0c\u5c31\u6210\u529f\u53bb\u4e86\u6b50\u6d32\u65c5\u884c\uff0c\u4e5f\u6210\u529f\u8b93\u670b\u53cb\u5011\u90fd\u7fa1\u6155\u4f60\u3002<\/p><p>\u5f88\u986f\u7136\u7684\uff0c\u60c5\u6cc1 A \u662f\u4e00\u500b\u503c\u5f97\u501f\u8cb8\u7684\u60c5\u6cc1\uff0c\u56e0\u70ba\u4f60\u5229\u7528\u500b\u4eba\u8cb8\u6b3e\u4f86\u5e6b\u52a9\u4f60\u5275\u9020\u66f4\u591a\u7684\u6536\u5165\u3002<\/p><p>\u5982\u679c\u662f\u60c5\u6cc1 B\uff0c\u5c31\u4e0d\u662f\u9019\u9ebd\u4e00\u56de\u4e8b\u4e86\u3002\u4f60\u4f7f\u7528\u4e86\u500b\u4eba\u8cb8\u6b3e\u53bb\u65c5\u884c\uff0c\u5728\u4eab\u6a02\u7684\u540c\u6642\u4e5f\u6eff\u8db3\u4e86\u81ea\u5df1\u7684\u865b\u69ae\u5fc3\u3002\u65c5\u884c\u56de\u4f86\u4ee5\u5f8c\uff0c\u7559\u7d66\u4f60\u7684\u5c31\u662f\u5e7e\u5e74\u5fc5\u9808\u511f\u9084\u7684\u50b5\u52d9\u3002\u4e00\u6642\u7684\u5feb\u6a02\u63db\u4f86\u5e7e\u5e74\u7684\u50b5\u52d9\uff0c\u4e00\u9ede\u90fd\u4e0d\u503c\u5f97\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u6c92\u6709\u9322\u9084\u8cb8\u6b3e\u600e\u9ebd\u8fa6\uff1f<\/span><\/h2><h6>\u00a0<\/h6><div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-1247\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6c92\u6709\u9322-1.png\" alt=\"\u6c92\u6709\u9322\u9084\u8cb8\u6b3e\u600e\u9ebd\u8fa6\uff1f\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6c92\u6709\u9322-1.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6c92\u6709\u9322-1-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/05\/\u6c92\u6709\u9322-1-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><\/div><p>\u5728\u4f60\u7121\u6cd5\u511f\u9084\u8cb8\u6b3e\u7684\u60c5\u6cc1\u4e0b\uff0c\u64d4\u4fdd\u8cb8\u6b3e\u548c\u7121\u64d4\u4fdd\u8cb8\u6b3e\u6709\u4e0d\u540c\u7684\u8655\u7406\u65b9\u6cd5\u3002<\/p><p>\u5982\u679c\u4f60\u501f\u7684\u662f\u64d4\u4fdd\u8cb8\u6b3e\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u53ef\u4ee5\u9078\u64c7\u8ce3\u6389\u4f60\u5148\u524d\u62b5\u62bc\u7684\u8cc7\u7522\uff0c\u7528\u9019\u88e1\u6240\u5f97\u7684\u7684\u9322\u511f\u9084\u4f60\u6240\u6b20\u4e0b\u7684\u50b5\u6b3e\u3002<\/p><p>\u5982\u679c\u5728\u8ce3\u4e86\u4f60\u6240\u62b5\u62bc\u7684\u8cc7\u7522\uff0c\u9084\u662f\u4e0d\u5920\u511f\u9084\u50b5\u52d9\u7684\u6642\u5019\uff0c\u4f60\u5c31\u5fc5\u9808\u60f3\u8fa6\u6cd5\u9084\u90a3\u7b46\u4f59\u984d\u3002<\/p><p>\u6b64\u5916\uff0c\u9280\u884c\u6216\u8cb8\u6b3e\u516c\u53f8\u4e5f\u53ef\u4ee5\u5f37\u5236\u4f60\u7684\u64d4\u4fdd\u4eba\u4f86\u5e6b\u4f60\u9084\u6e05\u8cb8\u6b3e\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u9084\u4e0d\u8d77\u8cb8\u6b3e\uff0c\u4f60\u7684\u8cc7\u7522\u4e0d\u4f46\u6703\u88ab\u5f37\u5236\u552e\u8ce3\uff0c\u800c\u4e14\u9084\u53ef\u80fd\u6703\u9023\u7d2f\u5230\u64d4\u4fdd\u4eba\u3002<\/p><p>\u53e6\u4e00\u65b9\u9762\uff0c\u5982\u679c\u662f\u7121\u64d4\u4fdd\u8cb8\u6b3e\u7684\u8a71\uff0c\u96d6\u7136\u8cb8\u6b3e\u516c\u53f8\u4e5f\u62ff\u4f60\u6c92\u8fa6\u6cd5\uff0c\u4f46\u4f60\u7684\u500b\u4eba\u4fe1\u7528\u80af\u5b9a\u6703\u53d7\u5230\u5f71\u97ff\u3002<\/p><p>\u63db\u53e5\u8a71\u8aaa\uff0c\u82e5\u4f60\u4e0b\u4e00\u6b21\u60f3\u8981\u8cb8\u6b3e\uff08\u4e0d\u7ba1\u662f\u8eca\u8cb8\u3001\u623f\u5c4b\u8cb8\u6b3e\u9084\u662f\u751f\u610f\u8cb8\u6b3e\uff09\uff0c\u5f88\u5927\u53ef\u80fd\u90fd\u4e0d\u6703\u7372\u5f97\u6279\u51c6\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u5982\u679c\u9084\u6b3e\u80fd\u529b\u4e0d\u8db3\uff0c\u9084\u6709\u5176\u5b83\u8fa6\u6cd5\u55ce\uff1f<\/span><\/h2><h6>\u00a0<\/h6><p>\u7533\u8acb\u4e86\u500b\u4eba\u8cb8\u6b3e\u5f8c\uff0c\u5efa\u8b70\u4f60\u76e1\u91cf\u5728\u6700\u77ed\u7684\u6642\u9593\u5167\u9084\u6e05\u5b83\u3002<\/p><p>\u5982\u679c\u771f\u7684\u6c92\u6709\u80fd\u529b\u6309\u6642\u511f\u9084\uff0c\u4f60\u53ef\u4ee5\u7533\u8acb<strong>\u8cb8\u6b3e\u91cd\u7d44 (restructure)<\/strong> \u53ca<strong>\u8cb8\u6b3e\u6539\u671f (reschedule) <\/strong>\u3002<\/p><p>\u8cb8\u6b3e\u91cd\u7d44\u53ca\u6539\u671f\u80fd\u5920\u8b93\u4f60\u8207\u8cb8\u6b3e\u516c\u53f8\u5546\u91cf\u6bcf\u500b\u6708\u9700\u8981\u511f\u9084\u7684\u6578\u984d\uff0c\u62c9\u9577\u4f60\u511f\u9084\u8cb8\u6b3e\u7684\u671f\u9650\u3002<\/p><p>\u76e1\u91cf\u722d\u53d6\u5c0d\u4f60\u6709\u5229\u7684\u689d\u4ef6\uff0c\u4f46\u662f\u5343\u842c\u4e0d\u8981\u4e0d\u9084\u9322\u3002<\/p><p>\u8cc7\u7522\u88ab\u5f37\u5236\u552e\u51fa\u662f\u5c0f\u4e8b\uff0c\u4f46\u662f\u82e5\u9023\u7d2f\u5230\u64d4\u4fdd\u4eba\uff0c\u8b93\u4f60\u7684\u500b\u4eba\u4fe1\u8b7d\u7834\u7522\uff0c\u4ee5\u5f8c\u4f60\u5c31\u5f88\u96e3\u518d\u501f\u5230\u8cb8\u6b3e\u4e86\u3002<\/p><h2><span style=\"color: #3b7aab;\">\u7e3d\u7d50<\/span><\/h2><h6>\u00a0<\/h6><p>\u5982\u679c\u4f60\u5584\u7528\u500b\u4eba\u8cb8\u6b3e\u4f86\u70ba\u4f60\u5275\u9020\u66f4\u591a\u6536\u76ca\uff0c\u90a3\u9019\u662f\u4e00\u9805\u597d\u7684\u6295\u8cc7\u3002<\/p><p>\u5982\u679c\u4f60\u6feb\u7528\u5b83\uff0c\u53c8\u7121\u6cd5\u9084\u50b5\uff0c\u4f60\u5c31\u6703\u843d\u5230\u4fe1\u7528\u7834\u7522\u7684\u7d50\u679c\uff0c\u5c0e\u81f4\u7522\u696d\u88ab\u8b8a\u8ce3\uff0c\u751a\u81f3\u9023\u7d2f\u4f60\u7684\u64d4\u4fdd\u4eba\u3002<\/p><p>\u5982\u679c\u4f60\u66fe\u7d93\u7533\u8acb\u904e\u500b\u4eba\u8cb8\u6b3e\uff0c\u53c8\u6216\u8005\u6b63\u5728\u7533\u8acb\u500b\u4eba\u8cb8\u6b3e\uff0c\u8acb\u4f60\u5728\u4ee5\u4e0b\u7559\u8a00\uff0c\u5206\u4eab\u4f60\u7684\u7d93\u6b77\u3002<\/p><blockquote><p><strong><a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-accounting-handbook\/\">\u60f3\u958b\u59cb\u7406\u8ca1\u4f46\u662f\u4e0d\u77e5\u9053\u5f9e\u4f55\u958b\u59cb\u4e0b\u624b\uff0c\u6b61\u8fce\u4f60\u9818\u53d6\u6211\u5011\u514d\u8cbb\u7684\u300a\u6700\u5168\u624b\u5e33\u672c\u300b\uff0c\u5c31\u80fd\u5b78\u6703\u5982\u4f55\u6b63\u78ba\u7406\u8ca1\uff0c\u907f\u514d\u4ee5\u5f8c\u9047\u5230\u8ca1\u52d9\u5371\u6a5f\u3002<\/a><\/strong><\/p><\/blockquote><pre><strong>\u3010\u5ef6\u4f38\u95b1\u8b80\u3011<\/strong><\/pre><ol><li><a href=\"https:\/\/valueinmind.co\/zh\/5-saving-habits-causing-you-spend-more\/\" target=\"_blank\" rel=\"noopener\"><span data-sheets-value=\"{\" data-sheets-userformat=\"{\">\u4f60\u77e5\u9053\u90195\u500b\u7701\u9322\u5c0f\u5999\u62db\uff0c\u53cd\u800c\u8b93\u4f60\u82b1\u66f4\u591a\u9322\u55ce\uff1f<\/span><\/a><\/li><li><a href=\"https:\/\/valueinmind.co\/4-essential-steps-to-manage-your-money\/\" target=\"_blank\" rel=\"noopener\"><span data-sheets-value=\"{\" data-sheets-userformat=\"{\">\u7b2c\u4e00\u4efd\u85aa\u6c34\u5c31\u8981\u9019\u6a23\u7528\uff01\u8077\u5834\u65b0\u4eba\u544a\u5225\u6708\u5149\u65cf\u76844\u5927\u6280\u5de7\uff01<\/span><\/a><\/li><li><a href=\"https:\/\/valueinmind.co\/should-i-withdraw-money-from-epf-i-sinar\/\" target=\"_blank\" rel=\"noopener\"><span data-sheets-value=\"{\" data-sheets-userformat=\"{\">i-Sinar\u7b2c\u4e00\u6236\u53e3\u958b\u653e\u5168\u6c11\u7533\u8acb\u63d0\u6b3e\uff01\u6211\u61c9\u8a72\u628a\u9322\u62ff\u51fa\u4f86\u55ce\uff1f<\/span><\/a><\/li><\/ol><h2>\u00a0<\/h2><h2><span style=\"color: #3b7aab;\">\u514d\u8cac\u8072\u660e<\/span><\/h2><p>\u6b64\u6587\u7ae0\u5167\u5bb9\u50c5\u4f5c\u70ba\u6559\u5b78\u3001\u5206\u4eab\u53ca\u53c3\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u5c08\u696d\u7684\u6295\u8cc7\u5efa\u8b70\u3002\u7531\u65bc\u500b\u4eba\u7684\u60c5\u6cc1\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u806f\u4fc2\u6211\u5011\u6216\u54a8\u8a62\u4f60\u7684\u7406\u8ca1\u898f\u5283\u5e2b\u4ee5\u53d6\u5f97\u5c08\u696d\u7684\u5efa\u8b70\u3002<\/p><p>[tqb_quiz id=&#8217;1482&#8242;]<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u6587\u7ae0\u5f88\u9577\uff0c\u4f60\u53ef\u4ee5\u5f9e\u9019\u88e1\u8df3\u8f49\u81f3\u4f60\u60f3\u770b\u7684\u6a19\u984c \u5728\u4f60\u53ea\u6709\u5c11\u91cf\u73fe\u91d1\u3001\u6c92\u6709\u5b58\u6b3e\u3001\u6c92\u6709\u4efb\u4f55\u503c\u9322\u7684\u6771\u897f\u53ef\u4ee5\u8b8a\u8ce3\u3001\u6c92\u6709\u89aa\u4eba\u670b\u53cb [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":13918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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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