{"id":4749,"date":"2020-11-24T10:06:00","date_gmt":"2020-11-24T02:06:00","guid":{"rendered":"https:\/\/valueinmind.co\/?p=4749"},"modified":"2023-08-25T09:41:37","modified_gmt":"2023-08-25T01:41:37","slug":"3-mistakes-you-want-to-avoid-first-time-buying-a-house","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/3-mistakes-you-want-to-avoid-first-time-buying-a-house\/","title":{"rendered":"\u623f\u5c4b\u7d93\u7d00\u7e3d\u7d504\u5e74\u7684\u8ce3\u623f\u7d93\u9a57\uff1a\u201c\u6211\u9047\u898b\u7684\u8cb7\u623f\u65b0\u624b\u5e7e\u4e4e\u90fd\u6703\u72af\u4e0b\u90193\u500b\u932f\u8aa4\uff01\u201d\uff5c\u8cb7\u623f\u65b0\u624b\u5fc5\u8b80"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4749\" class=\"elementor elementor-4749\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e4b9c3c elementor-section-boxed elementor-section-height-default 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srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u4e0d\u77e5\u9053.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u4e0d\u77e5\u9053-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u4e0d\u77e5\u9053-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" 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class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-4757 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8003\u616e\u7684\u56e0\u7d20\u4e0d\u4e00\u6a23.png\" alt=\"\u8003\u616e\u7684\u56e0\u7d20\u4e0d\u4e00\u6a23\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8003\u616e\u7684\u56e0\u7d20\u4e0d\u4e00\u6a23.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8003\u616e\u7684\u56e0\u7d20\u4e0d\u4e00\u6a23-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8003\u616e\u7684\u56e0\u7d20\u4e0d\u4e00\u6a23-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" 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class=\"wp-block-quote\"><p>\u5f88\u591a\u6642\u5019\uff0c\u67d0\u500b\u6a13\u76e4\u53ef\u4ee5\u6eff\u8db3\u81ea\u5df1\u7684\u5c45\u4f4f\u9700\u6c42\uff0c\u5c31\u7121\u6cd5\u6709\u597d\u7684\u79df\u91d1\u56de\u5831\uff1b\u79df\u91d1\u56de\u5831\u7387\u4e0d\u932f\u7684\uff0c\u53c8\u4e0d\u4e00\u5b9a\u7b26\u5408\u81ea\u5df1\u7684\u9700\u6c42\u3002<\/p><\/blockquote><p>\u623f\u5b50\u7684\u50f9\u683c\u5f80\u5f80\u662f\u96e2\u5e02\u4e2d\u5fc3\u8d8a\u9060\uff0c\u6bcf\u4e00\u65b9\u5c3a\u7684\u50f9\u683c\u8d8a\u4fbf\u5b9c\u3002\u623f\u5b50\u7a7a\u9593\u5927\uff0c\u4f4f\u7684\u8212\u670d\uff0c\u8ab0\u90fd\u559c\u6b61\u3002\u80fd\u4f4f\u57281000\u65b9\u5c3a\u7684\u623f\u5b50\uff0c\u8ab0\u6703\u9078\u64c7\u4f4f600\u65b9\u5c3a\u7684\u623f\u5b50\u5462\uff1f\u6240\u4ee5\u8003\u616e\u8cb7\u623f\u7684\u7a2e\u7a2e\u56e0\u7d20\uff0c\u5c31\u8981\u5728\u5730\u9ede\u3001\u4ea4\u901a\u3001\u623f\u5b50\u7684\u7a7a\u9593\u4e4b\u9593\u53d6\u5f97\u5e73\u8861\u3002\u5728\u9019\u6a23\u7684\u8003\u91cf\u4e0b\uff0c\u5206\u6e05\u695a\u662f\u8981\u81ea\u4e3b\u9084\u662f\u6295\u8cc7\uff0c\u6703\u662f\u6700\u660e\u667a\u7684\u9078\u64c7\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"567\" class=\"wp-image-4758 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6700\u660e\u667a\u7684\u9078\u64c7.png\" alt=\"\u6700\u660e\u667a\u7684\u9078\u64c7\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6700\u660e\u667a\u7684\u9078\u64c7.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6700\u660e\u667a\u7684\u9078\u64c7-300x218.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6700\u660e\u667a\u7684\u9078\u64c7-768x558.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h6>\u00a0<\/h6><p>\u90a3\u9019\u7b2c\u4e00\u9053\u554f\u984c\u5c31\u96e3\u5012\u6211\u4e86\u3002\u6211\u60f3\u8cb7\u623f\u5b50\u4f86\u81ea\u4f4f\uff0c\u4f46\u662f\u5982\u679c\u53ef\u4ee5\u79df\u5f97\u51fa\u53bb\uff0c\u6211\u4e5f\u6703\u60f3\u8981\u79df\u51fa\u53bb\u8cfa\u623f\u79df\u7684\uff0c\u5927\u4e0d\u4e86\u81ea\u5df1\u5c31\u7e7c\u7e8c\u4f4f\u5728\u73fe\u5728\u4f4f\u7684\u5730\u65b9\u3002\u6240\u4ee5\uff0c\u8cb7\u623f\u81ea\u4f4f\u9084\u662f\u6295\u8cc7\uff0c\u6211\u662f\u771f\u7684\u9084\u6c92\u60f3\u597d\u7684\u3002<\/p><h2><strong><span style=\"color: #262262;\">\u554f\u984c #2 \u4f60\u662f\u4e0d\u662f\u628a\u4f60\u81ea\u5df1\u4f4f\u7684\u623f\u5b50\u7576\u4f5c\u201c\u6295\u8cc7\u201d\u4f86\u770b\uff1f\u5176\u5be6\u4f60\u77e5\u9053\u4f60\u662f\u5728\u201c\u6d88\u8cbb\u201d\u55ce\uff1f<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>Summer\u99ac\u4e0a\u5c31\u548c\u6211\u5206\u4eab\u5979\u9047\u904e\u7684\u771f\u5be6\u6848\u4f8b\uff1a<\/p><p>\u5979\u8a8d\u8b58\u4e00\u5c0d\u5e74\u8f15\u7684\u592b\u5a66\uff0c\u5e74\u9f61\u662f\u5927\u7d0430\u591a\u5d57\u5de6\u53f3\uff0c\u7537\u7684\u662f\u91ab\u5b78\u5c08\u696d\u4eba\u58eb\uff0c\u5973\u7684\u662f\u570b\u969b\u4f01\u696d\u92b7\u552e\u4eba\u54e1\uff0c\u525b\u7d50\u5a5a\u4e0d\u4e45\u9084\u6c92\u6709\u5b69\u5b50\u3002\u4ed6\u5011\u7684\u5922\u60f3\u5c31\u662f\u64c1\u6709\u4e00\u9593\u534a\u7368\u7acb\u5f0f\u6d0b\u623f (Semi-D)\uff0c\u6709\u5ead\u5712\uff0c\u6709\u5927\u53a8\u623f\u548c\u5ba2\u5ef3\u3002\u5169\u4eba\u90fd\u662f\u8a8d\u771f\u52aa\u529b\u5de5\u4f5c\u7684\u9ad8\u6536\u5165\u65cf\u7fa4\uff0c\u60f3\u8981\u64c1\u6709\u81ea\u5df1\u5922\u60f3\u7684\u5bb6\u4e5f\u5408\u60c5\u5408\u7406\u3002\u6700\u5f8c\uff0c\u4ed6\u5011\u9078\u64c7\u5728PJ \u5340\u8cb7\u4e86\u4e00\u9593\u670920\u5e74\u5c4b\u9f61\u7684\u534a\u7368\u7acb\u5f0f\u6d0b\u623f\uff0c\u5e0c\u671b\u5728\u90a3\u88e1\u5efa\u7acb\u500b\u7f8e\u9e97\u5bb6\u5712\uff0c\u9918\u751f\u90fd\u5728\u90a3\u88e1\u6e21\u904e\u3002<\/p><p>\u7531\u65bc\u9019\u9593\u6d0b\u623f\u670920\u5e74\u7684\u5c4b\u9f61\uff0c\u53ef\u60f3\u800c\u77e5\uff0c\u4ed6\u5011\u8981\u82b1\u5f88\u5927\u7b46\u7684\u8cbb\u7528\u505a\u88dd\u4fee\u548c\u6dfb\u8cfc\u65b0\u5bb6\u5177\u3002\u800c\u4e14\u4ed6\u5011\u662f\u4ee5\u201c\u5c07\u6703\u662f\u4e00\u8f29\u5b50\u7684\u5bb6\u201d\u7684\u6982\u5ff5\u53bb\u7ffb\u65b0\uff0c\u6240\u4ee5\u5e0c\u671b\u4e00\u5207\u7528\u6599\u90fd\u662f\u597d\u7684\u3001\u8010\u7528\u7684\u8cea\u91cf\uff0c\u50f9\u9322\u80af\u5b9a\u4e0d\u83f2\u3002\u55ae\u55ae\u8acb\u4eba\u91cd\u65b0\u8a02\u9020\u65b0\u7684\u53a8\u623f\u548c\u7761\u623f\u7684\u6ae5\u6ac3\u5c31\u5df2\u7d93\u82b1\u4e8610\u842c\u99ac\u5e63\uff0c\u9084\u6c92\u6709\u8a08\u7b97\u91cd\u6574\u96fb\u6c34\u7ba1\u548c\u623f\u5b50\u683c\u5c40\u7684\u82b1\u8cbb\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-4759 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u82b1\u8cbb.png\" alt=\"\u82b1\u8cbb\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u82b1\u8cbb.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u82b1\u8cbb-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u82b1\u8cbb-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h6>\u00a0<\/h6><p>\u6bcf\u4e00\u6b21\u898b\u5230\u9019\u4f4d\u670b\u53cb\u90fd\u89ba\u5f97\u4ed6\u5f88\u7d2f\uff0c\u56e0\u70ba\u6642\u9593\u90fd\u82b1\u5728\u76e3\u7763\u5de5\u7a0b\u3001\u8207\u8a2d\u8a08\u5e2b\u8a0e\u8ad6\u6539\u4e86\u7121\u6578\u6b21\u7684\u88dd\u4fee\u5716\u4ee5\u53ca\u5728\u6dd8\u5bf6\u8cb7\u5bb6\u5177\u548c\u5efa\u7bc9\u6750\u6599\uff08\u70ba\u4e86\u8981\u7701\u4e0b\u4e00\u9ede\u8cbb\u7528\uff09\u3002\u81f3\u65bc\u5de5\u4f5c\u65b9\u9762\uff0c\u4ed6\u5011\u80af\u5b9a\u4e0d\u80fd\u9b06\u61c8\uff0c\u56e0\u70ba\u7576\u521d\u8cfc\u8cb7\u623f\u5b50\u4ed8\u7684\u9996\u671f\u9322\u3001\u5f8b\u5e2b\u8cbb\u548c\u5370\u82b1\u7a05\u5df2\u7d93\u82b1\u53bb\u4e86\u4ed6\u5011\u5927\u90e8\u5206\u7684\u5132\u84c4\u4e86\uff0c\u63a5\u4e0b\u4f86\u5fc5\u9808\u66f4\u52aa\u529b\u8cfa\u9322\u53bb\u7dad\u6301\u9019\u9593\u5bb6\u6bcf\u500b\u6708\u7684\u4f9b\u671f\u548c\u88dd\u4fee\u8cbb\u7528\u3002<\/p><p>\u7576Summer\u554f\u4ed6\u5011\uff1a\u201c\u62ff\u90a3\u9ebd\u591a\u9322\u82b1\u5728\u88dd\u4fee\u548c\u6bcf\u500b\u6708\u7684\u4f9b\u671f\uff0c\u503c\u5f97\u55ce\uff1f\u201d\u4ed6\u5011\u56de\u7b54\u8aaa\uff0c\u9019\u9593\u5bb6\u6703\u662f\u4ed6\u5011\u6700\u503c\u9322\u7684\u8cc7\u7522\u3002Summer\u5f88\u9707\u9a5a\uff0c\u56e0\u70ba\u8cfc\u8cb7\u4e00\u9593\u81ea\u5df1\u4f4f\u7684\u623f\u5b50\uff0c\u6839\u672c\u4e0d\u5c6c\u65bc\u54ea\u9580\u5b50\u7684\u6295\u8cc7\uff0c\u800c\u662f\u5c6c\u65bc\u6d88\u8cbb\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-4760 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u9707\u9a5a.png\" alt=\"\u9707\u9a5a\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u9707\u9a5a.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u9707\u9a5a-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u9707\u9a5a-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h6>\u00a0<\/h6><p>\u5c0f\u623f\u5b50\u5c31\u662f\u5c0f\u6d88\u8cbb\uff0c\u5927\u623f\u5b50\u5c31\u662f\u5927\u6d88\u8cbb\u3002\u9019\u9593\u623f\u5b50\u662f\u8cc7\u7522\u6c92\u6709\u932f\uff0c\u623f\u7522\u6703\u96a8\u8457\u6642\u9593\u589e\u503c\u3002\u53ef\u662f\u4e0d\u7ba1\u81ea\u5df1\u4f4f\u7684\u623f\u5b50\u672a\u4f86\u5347\u503c\u6709\u591a\u9ad8\uff0c\u90fd\u8207\u4f60\u7121\u95dc\uff0c\u96e3\u9053\u4f60\u6703\u56e0\u70ba\u4f60\u7684\u623f\u5b50\u589e\u503c\u4e86\u5f88\u591a\uff0c\u5c31\u8ce3\u5c4b\u5957\u5229\uff0c\u518d\u91cd\u65b0\u8cb7\u500b\u5c0f\u623f\u5b50\u4f86\u4f4f\u55ce\uff1f\u76f8\u4fe1\u6c92\u6709\u4eba\u6703\u9019\u9ebc\u505a\u3002<\/p><p>\u81ea\u4f4f\u7684\u623f\u5b50\u9802\u591a\u53ea\u662f\u6700\u5f8c\u4e00\u6839\u6551\u547d\u7684\u7a3b\u8349\u3002\u9664\u975e\u662f\u7dca\u6025\u9700\u8981\u9322\u548c\u5225\u7121\u5176\u4ed6\u9078\u64c7\u7684\u60c5\u6cc1\u4e0b\uff0c\u4efb\u8ab0\u4e5f\u4e0d\u6703\u8ce3\u6389\u81ea\u5df1\u5c45\u4f4f\u7684\u623f\u5b50\u3002<\/p><p>\u7576\u7136\uff0c\u8ffd\u6c42\u81ea\u5df1\u7684\u5922\u60f3\u662f\u6c92\u6709\u932f\uff0c\u64c1\u6709\u4e00\u9593\u81ea\u5df1\u7684 dream house \u662f\u4e00\u9593\u5f88\u5e78\u798f\u7684\u4e8b\u3002\u4f46\u662f\uff0c\u5982\u679c\u4ee5\u4e00\u500b\u6295\u8cc7\u8005\u7684\u89d2\u5ea6\u53bb\u770b\uff0c\u82b1\u8cbb\u7684\u91d1\u9322\u548c\u6642\u9593\u7684\u4ee3\u50f9\u5f88\u5927\u3002\u6211\u5e0c\u671b\u7b2c\u4e00\u6b21\u8cb7\u623f\u5b50\u4e4b\u524d\u7684\u4eba\uff0c\u641e\u6e05\u695a\u4ec0\u9ebd\u662f\u6295\u8cc7\u3001\u4e0d\u8981\u7528\u5e7e\u5341\u842c\u3001\u751a\u81f3\u5e7e\u767e\u842c\u4f86\u63db\u4e00\u500b\u60b2\u75db\u7684\u201c\u6295\u8cc7\u201d\u7d93\u9a57\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-4761 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u60b2\u75db\u7684\u6295\u8cc7\u7d93\u71df.png\" alt=\"\u60b2\u75db\u7684\u201c\u6295\u8cc7\u201d\u7d93\u9a57\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u60b2\u75db\u7684\u6295\u8cc7\u7d93\u71df.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u60b2\u75db\u7684\u6295\u8cc7\u7d93\u71df-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u60b2\u75db\u7684\u6295\u8cc7\u7d93\u71df-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h6>\u00a0<\/h6><p>\u5176\u5be6\uff0c\u6211\u662f\u60f3\u8457\uff0c\u5982\u679c\u6211\u80fd\u5920\u628a\u623f\u9593\u79df\u51fa\u53bb\uff0c\u90a3\u9019\u6a23\u5c31\u7b97\u662f\u6295\u8cc7\uff1b\u4f46\u662f\u6211\u5c31\u6c92\u6709\u60f3\u904e\u8981\u9760\u81ea\u4f4f\u7684\u623f\u5b50\u4f86\u8cfa\u9322\uff0c\u56e0\u70ba\u6211\u662f\u4e0d\u6703\u8ce3\u6389\u81ea\u5df1\u4f4f\u7684\u623f\u5b50\u7684\uff08\u9664\u975e\u4ee5\u5f8c\u8cfa\u4e86\u5f88\u591a\u9322\uff0c\u8981\u63db\u4e00\u9593\u66f4\u5927\u7684\u623f\u5b50\uff0c\u624d\u6703\u8ce3\u6389\uff09\u3002\u6240\u4ee5\u6211\u7b97\u662f\u904e\u4e86\u9019\u4e00\u95dc\u5427\u3002<\/p><h2><strong><span style=\"color: #262262;\">\u554f\u984c #3 \u4f60\u505a\u597d\u4e86\u7406\u8ca1\u898f\u5283\u7684\u6e96\u5099\u4e86\u55ce\uff1f\u4f60\u6709\u591a\u5c11\u4fe1\u5fc3\uff0c\u9280\u884c\u6703\u6279\u51c6\u4f60\u7684\u623f\u8cb8\uff1f<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u7576\u8cb7\u623f\u524d\u7684\u529f\u8ab2\u90fd\u505a\u597d\u4e86\uff0c\u77e5\u9053\u54ea\u4e9b\u623f\u5b50\u9069\u5408\u81ea\u5df1\u4e86\uff0c\u63a5\u4e0b\u4f86\u770b\u5f97\u662f\uff0c\u5411\u9280\u884c\u8cb8\u6b3e\u5230\u5e95\u80fd\u4e0d\u80fd\u904e\u4e0d\u904e\u95dc\u4e86\u3002<\/p><p>\u5b78\u6821\u6c92\u6709\u6559\u904e\u8cb8\u6b3e\u8cb7\u623f\u5b50\u7684\u4e8b\uff0c\u5f88\u591a\u8cb7\u623f\u5c0f\u767d\u5728\u9280\u884c\u8cb8\u6b3e\u7684\u8def\u4e0a\u8dcc\u8dcc\u649e\u649e\u624d\u5b78\u6703\u7684\u3002Summer\u5927\u7565\u548c\u6211\u8aaa\u4e86\u5982\u4f55\u8a08\u7b97\u6536\u5165\u4f86\u770b\u53ef\u4ee5\u8cb8\u6b3e\u591a\u5c11\u9322\u7684\u623f\u5b50\uff0c\u4f46\u662f\u6211\u5c31\u4e0d\u5728\u9019\u88e1\u8aaa\u4e86\uff0c\u56e0\u70ba\u9019\u500b\u96a8\u4fbf\u5728\u7db2\u4e0a\u641c\u4e00\u4e0b\uff0c\u90fd\u6703\u6709<a href=\"https:\/\/www.google.com\/search?q=house+loan+calculator&amp;oq=house+loan&amp;aqs=chrome.0.0i433i457j69i57j0l3j69i60l3.1581j1j7&amp;sourceid=chrome&amp;ie=UTF-8\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e00\u5806\u8a08\u7b97\u6a5f<\/a>\u5e6b\u4f60\u8a08\u7b97\u3002<\/p><p>\u5979\u548c\u6211\u5206\u4eab\u4e86\u5979\u7684\u9867\u5ba2\u5e38\u9047\u5230\u7684\u623f\u8cb8\u4e0d\u88ab\u6279\u51c6\u7684\u60c5\u6cc1\uff1a<\/p><ul><li>\u4fe1\u7528\u8a55\u5206\u4e0d\u597d\u6216\u6c92\u6709\u4fe1\u7528\u8a18\u9304\u3001<\/li><li>\u50b5\u52d9\u9ad8\uff08\u5305\u62ec\u8eca\u8cb8\u3001\u500b\u4eba\u8cb8\u6b3e\u3001\u4fe1\u7528\u5361\u8d85\u984d\uff09\u3001<\/li><li>\u6536\u5165\u5c11\uff0c\u800c\u5c0e\u81f4\u623f\u8cb8\u4e0d\u88ab\u6279\u51c6\u7684\u60c5\u6cc1\u3002<\/li><\/ul><h3><span style=\"color: #009aff;\">\u4fe1\u7528\u8a55\u5206\u4e0d\u597d \/ \u6c92\u6709\u4fe1\u7528\u8a18\u9304<\/span><\/h3><h6>\u00a0<\/h6><p>\u5728\u99ac\u4f86\u897f\u4e9e\uff0c\u5404\u5927\u9280\u884c\u90fd\u662f\u901a\u904e<a href=\"https:\/\/creditbureau.bnm.gov.my\/central-credit-reference-information-system-ccris-\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e2d\u592e\u4fe1\u8cb8\u53c3\u8003\u8cc7\u8a0a\u7cfb\u7d71\u5831\u544a (CCRIS Report) <\/a>\u4e2d\u7684\u4fe1\u7528\u8a55\u5206\uff08<a href=\"https:\/\/creditbureau.bnm.gov.my\/documents\/43172\/44411\/Credit_Report_Sample.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u64ca\u6b64\u8655<\/a>\u67e5\u770bCCRIS\u5831\u544a\u6a23\u672c\uff09\uff0c\u4f86\u770b\u51fa\u8cb8\u6b3e\u7533\u8acb\u8005\u5c0d\u8ca1\u52d9\u7ba1\u7406\u7684\u614b\u5ea6\uff0c\u4f8b\u5982\uff1a\u662f\u5426\u6709\u6e96\u6642\u9084\u9280\u884c\u7684\u8cb8\u6b3e\u3001\u662f\u5426\u6709\u6e96\u6642\u9084\u6559\u80b2\u8cb8\u6b3e (PTPTN)\u3001\u4fe1\u7528\u5361\u662f\u5426\u6709\u4f7f\u7528\u8d85\u984d\u3001\u76ee\u524d\u6240\u80cc\u8ca0\u7684\u50b5\u52d9\u6709\u591a\u5c11\u7b49\u7b49\u3002<\/p><p>Summer\u7684\u5ba2\u6236\u9762\u81e8\u5230\u6700\u5e38\u898b\u7684\u4fe1\u7528\u554f\u984c\u662f\uff1a<strong>\u6c92\u6709\u6e96\u6642\u9084\u6559\u80b2\u8cb8\u6b3e (PTPTN) \u800c\u88ab\u5217\u5165\u9ed1\u540d\u55ae\u3002<\/strong><\/p><p>\u4f60\u9084\u4e86\u4f60\u7684PTPTN\u4e86\u55ce\uff1f(\u5982\u679c\u4f60\u4e0d\u77e5\u9053\u600e\u6a23\u9084\uff0c<a href=\"https:\/\/rojaklah.com\/2019\/08\/05\/payptptnsw050819\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u64ca\u6b64\u8655<\/a>\u67e5\u770bPTPTN\u9084\u6b3e\u6559\u5b78\uff09\u6211\u500b\u4eba\u662f\u6c92\u6709\u501fPTPTN\uff0c\u6240\u4ee5\u6211\u4e0d\u6703\u9762\u81e8\u5230\u9019\u500b\u554f\u984c\u3002<\/p><p>\u7b2c\u4e8c\u5e38\u898b\u4fe1\u7528\u554f\u984c\u662f\uff1a<strong>\u6c92\u6709\u4fe1\u7528\u8a18\u9304\uff0c\u6c92\u6709\u8eca\u8cb8\u3001\u500b\u4eba\u8cb8\u6b3e\u3001\u4e5f\u6c92\u6709\u4e00\u5f35\u4fe1\u7528\u5361\u8a18\u9304\u3002<\/strong><\/p><p>\u525b\u525b\u597d\uff0c\u6211\u5c31\u662f\u5979\u8aaa\u7684\u9762\u5c0d\u7b2c\u4e8c\u5e38\u898b\u554f\u984c\u7684\u4eba\u4e86\u3002<\/p><p>\u5979\u5efa\u8b70\uff0c\u50cf\u6211\u9019\u6a23\u5b8c\u5168\u6c92\u6709\u8cb8\u6b3e\u8a18\u9304\u7684\u4eba\uff0c<strong>\u9810\u5148\u5728\u8a08\u5283\u8cb7\u623f\u5b506\u81f312\u500b\u6708\u524d\uff0c\u7533\u8acb\u4e00\u5f35\u4fe1\u7528\u5361\u4f86\u7528\u3002<\/strong>\u5e73\u6642\u53ef\u4ee5\u5728\u6dfb\u6cb9\u6642\u6216\u4e0a\u7db2\u8cfc\u7269\u6642\u5237\u4e00\u5237\uff0c\u4e26\u4e14\u6e96\u6642\u652f\u4ed8\u4fe1\u7528\u5361\u5e33\u55ae\uff08\u4e0d\u77e5\u9053\u8981\u7533\u8acb\u600e\u6a23\u7684\u4fe1\u7528\u5361\uff0c\u53ef\u4ee5<a href=\"https:\/\/valueinmind.co\/zh\/blog\/how-to-choose-a-credit-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9ede\u9019\u88e1<\/a>\uff09\u3002\u6709\u4e86\u826f\u597d\u7684\u4fe1\u8cb8\u8a18\u9304\uff0c\u9280\u884c\u5c31\u6703\u5b89\u5fc3\u628a\u9322\u501f\u7d66\u4f60\u8cb7\u623f\u5b50\u4e86\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"519\" class=\"wp-image-4762 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8cb8\u6b3e\u6210\u529f.png\" alt=\"\u6279\u51c6\u8cb8\u6b3e\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8cb8\u6b3e\u6210\u529f.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8cb8\u6b3e\u6210\u529f-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u8cb8\u6b3e\u6210\u529f-768x511.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h3><strong><span style=\"color: #009aff;\">\u64c1\u6709\u5f88\u591a\u50b5\u52d9<\/span><\/strong><\/h3><p>\u518d\u4f86\uff0c\u9280\u884c\u6703\u4f9d\u64da\u50b5\u52d9\u4f54\u7e3d\u6536\u5165\u7684\u6bd4\u4f8b\uff0c\u4f86\u8a55\u4f30\u501f\u8cb8\u7533\u8acb\u8005\u7684\u511f\u9084\u8cb8\u6b3e\u80fd\u529b\u3002\u7c21\u55ae\u4f86\u8aac\uff0c\u5982\u679c\u4f60\u672c\u8eab\u7684\u50b5\u52d9\u6709\u5f88\u591a\uff0c\u9280\u884c\u4e5f\u6703\u64d4\u5fc3\u4f60\u9084\u4e0d\u8d77\u623f\u8cb8\uff0c\u6240\u4ee5\u5c31\u4e0d\u6703\u6279\u51c6\u623f\u5c4b\u8cb8\u6b3e\u7684\u7533\u8acb\u3002<\/p><p>Summer\u8aaa\uff0c\u5979\u7684\u9867\u5ba2\u8eab\u4e0a\u6700\u5e38\u898b\u7684\u50b5\u52d9\u662f<strong>\u8eca\u8cb8\u548c\u500b\u4eba\u8cb8\u6b3e<\/strong>\u3002<\/p><p>\u66fe\u7d93\uff0cSummer\u6709\u4e00\u4f4d\u9867\u5ba2\u662f\u88dc\u7fd2\u8001\u5e2b\uff0c\u60f3\u8981\u8cb7\u4e00\u595755\u842c\u4ee4\u5409\u7684\u516c\u5bd3\u3002\u5979\u6bcf\u6708\u7684\u51c0\u6536\u5165\u5927\u7d044\u5343\u4ee4\u5409\u3002\u56e0\u70ba\u5979\u8cb7\u4e86\u4e00\u8f1b\u9032\u53e3\u8eca\uff0c\u6bcf\u500b\u6708\u8981\u652f\u4ed81200\u4ee4\u5409\u7684\u8eca\u8cb8\uff0c\u6240\u4ee5\u9280\u884c\u62d2\u7d55\u4e86\u5979\u7684\u623f\u5c4b\u8cb8\u6b3e\u7533\u8acb\u3002<\/p><blockquote class=\"wp-block-quote\"><p>\u9019\u4e0d\u7981\u8b93Summer\u60f3\u8d77\u6211\u5011\u8001\u7956\u5b97\u7684\u4e00\u53e5\u8a71\uff1a\u8863\u98df\u4f4f\u884c\u3002\u5148\u8981\u6709\u8863\u670d\u3001\u98df\u7269\u3001\u5c45\u4f4f\u7684\u5730\u65b9\u3001\u6700\u5f8c\u624d\u5230\u4ea4\u901a\u5de5\u5177\u3002<\/p><\/blockquote><p>Summer\u8a8d\u70ba\u4e0d\u662f\u4e0d\u53ef\u4ee5\u8cb7\u8eca\uff0c\u53ea\u662f\u5982\u679c\u4f60\u6709\u8a08\u5283\u8981\u8cb7\u623f\u5b50\u800c\u66ab\u6642\u6536\u5165\u6709\u9650\uff0c\u5efa\u8b70\u5148\u8cb7\u4e00\u8f1b\u672c\u5730\u8eca\u4ee3\u6b65\u6216\u642d\u96fb\u53ec\u8eca\u3002\u7562\u7adf<strong>\u8cb7\u8eca\u540e\u8cb7\u623f\u96e3\uff0c\u8cb7\u623f\u540e\u8cb7\u8eca\u6613<\/strong>\u3002<\/p><h6>\u00a0<\/h6><h3><strong><span style=\"color: #009aff;\">\u6536\u5165\u6709\u9650\uff0c\u8cb7\u4e0d\u8d77\u623f\u5b50<\/span><\/strong><\/h3><h6>\u00a0<\/h6><p>Summer\u8aaa\uff0c\u7576\u623f\u8cb8\u7533\u8acb\u8005\u7684\u4fe1\u8cb8\u8a18\u9304\u826f\u597d\uff0c\u4e5f\u6c92\u6709\u904e\u591a\u7684\u50b5\u52d9\uff0c\u53ef\u662f\u9280\u884c\u4f9d\u7136\u4e0d\u6279\u51c6\u623f\u8cb8\u7684\u7533\u8acb\uff0c\u90a3\u5c31\u662f\u7533\u8acb\u8005\u6536\u5165\u4e0d\u9054\u6a19\u7684\u554f\u984c\u4e86\u3002<\/p><figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"780\" height=\"520\" class=\"wp-image-4763 aligncenter\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6536\u5165\u4e0d\u9054\u6a19.png\" alt=\"\u6536\u5165\u4e0d\u9054\u6a19\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6536\u5165\u4e0d\u9054\u6a19.png 780w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6536\u5165\u4e0d\u9054\u6a19-300x200.png 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2020\/11\/\u6536\u5165\u4e0d\u9054\u6a19-768x512.png 768w\" sizes=\"(max-width: 780px) 100vw, 780px\" \/><\/figure><h6>\u00a0<\/h6><p>\u7576\u53e3\u888b\u4e0d\u5920\u6df1\u7684\u6642\u5019\uff0c\u5c31\u5f97\u60f3\u8fa6\u6cd5\u589e\u52a0\u6536\u5165\uff0c\u5c31\u662f\u90a3\u9ebd\u7c21\u55ae\u7c97\u66b4\u3002<\/p><p>\u5982\u679c\u8981\u589e\u52a0\u6536\u5165\uff0c\u53ef\u4ee5\u901a\u904e\u5b78\u7fd2\u65b0\u6280\u80fd\u3001\u505a\u517c\u8077\u3001\u5411\u8001\u95c6\u8981\u6c42\u5347\u8077\u52a0\u85aa\u3001\u958b\u59cb\u6295\u8cc7\u7b49\u7b49\u3002\u65b9\u6cd5\u6709\u5f88\u591a\uff0c\u53ea\u8981\u627e\u51fa\u9069\u5408\u81ea\u5df1\uff0c\u53c8\u771f\u7684\u80fd\u5920\u589e\u52a0\u6536\u5165\u7684\u5c31\u53ef\u4ee5\u4e86\u3002<\/p><h2><strong><span style=\"color: #009aff;\">\u606d\u559c\u4f60\u5728\u8cb7\u623f\u4e4b\u524d\uff0c\u770b\u4e86\u9019\u7bc7\u6587\u7ae0\uff0c\u63a5\u4e0b\u4f86\u8cb7\u623f\u5c31\u4e0d\u6703\u72af\u4e0b\u9019\u4e9b\u65b0\u624b\u90fd\u6703\u72af\u7684\u932f\u8aa4\u4e86\uff01<\/span><\/strong><\/h2><h6>\u00a0<\/h6><p>\u807d\u5b8c\u5979\u9019\u4e9b\u89e3\u91cb\uff0c\u6211\u624d\u660e\u767d\uff0c\u539f\u4f86\u6211\u96e2\u8cb7\u623f\u9084\u6709\u4e00\u6bb5\u8ddd\u96e2\u3002\u6211\u5fc5\u9808\u8981\u5148\u60f3\u597d\u5230\u5e95\u8cb7\u623f\u662f\u8981\u81ea\u4f4f\u9084\u662f\u8981\u6295\u8cc7\uff0c\u4e5f\u5fc5\u9808\u505a\u597d\u8ca1\u52d9\u898f\u5283\uff0c\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u8cb8\u8a18\u9304\uff0c\u624d\u958b\u59cb\u53bb\u60f3\u623f\u5b50\u7684\u4e8b\u60c5\u3002<\/p><p>\u6211\u4e5f\u5f88\u6176\u5e78\u81ea\u5df1\u5728\u8cb7\u623f\u4e4b\u524d\uff0c\u53ef\u4ee5\u5148\u5f9eSummer\u9019\u88e1\u807d\u5230\u9019\u4e9b\u5efa\u8b70\uff0c\u5426\u5247\u8cb7\u623f\u5c0d\u6211\u4f86\u8aaa\u56f0\u96e3\u91cd\u91cd\uff0c\u641e\u4e0d\u597d\u9084\u6703\u6210\u70ba\u6211\u4eba\u751f\u4e2d\u6700\u5927\u7684\u7169\u60f1\u3002<\/p><p>\u60f3\u8981\u8cb7\u623f\u7684\u4f60\uff0c\u56de\u7b54\u4e86\u4ee5\u4e0a\u7684\u4e09\u9053\u554f\u984c\u4e86\u55ce\uff1f<\/p><p>\u95dc\u65bc\u8cb7\u623f\uff0c\u4f60\u6709\u4ec0\u9ebc\u60f3\u554f\u7684\u55ce\uff1f\u4f60\u53ef\u4ee5\u5728\u4e0b\u9762\u7559\u8a00\uff0c\u6211\u53ef\u4ee5\u5e6b\u4f60\u554fSummer\u5594\u3002<\/p><blockquote><p class=\"p1\"><a href=\"https:\/\/valueinmind.co\/zh\/free-resources\/free-publications\/financial-investment-4-tips\/\"><span class=\"s1\"><b>\u60f3\u8981\u5b78\u7fd2\u5982\u4f55\u6295\u8cc7\uff1f\u99ac\u4e0a\u4e0b\u8f09\u514d\u8cbb\u7684\u300a<\/b><\/span><span class=\"s1\"><b>\u6295\u8cc7\u5165\u9580\u653b\u7565\u300b\uff0c\u5e6b\u52a9\u4f60\u5b78\u7fd2\u6295\u8cc7\u7684\u95dc\u9375\uff0c\u6210\u70ba\u6295\u8cc7\u8d0f\u5bb6\uff01<\/b><\/span><\/a><\/p><\/blockquote><p>\u4f86\u770b\u770bSpark\u5c0d\u61c9\u8a72\u8cb7\u4e0d\u8cb7\u623f\u7684\u89c0\u9ede\uff1a<\/p><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/5PRueH-GpAw\" width=\"560\" height=\"500\" frameborder=\"0\" 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