{"id":51229,"date":"2023-11-16T09:00:00","date_gmt":"2023-11-16T01:00:00","guid":{"rendered":"https:\/\/valueinmind.co\/?p=51229"},"modified":"2023-11-16T09:37:45","modified_gmt":"2023-11-16T01:37:45","slug":"malaysia-government-housing-scheme-and-loan","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/malaysia-government-housing-scheme-and-loan\/","title":{"rendered":"\u30102023\u5e74\u3011\u8d2d\u4e70\u653f\u5e9c\u5c4b\u5b50\/\u53ef\u8d1f\u62c5\u623f\u5c4b\u4e0d\u53ef\u9519\u8fc7\u76846\u4e2a\u623f\u5c4b\u8d37\u6b3e\u548c\u4e70\u623f\u4f18\u60e0\u653f\u7b56\uff01"},"content":{"rendered":"\n<p>\u524d\u4e24\u7bc7\u6587\u7ae0\uff0c\u6211\u4eec\u548c\u5927\u5bb6\u5206\u4eab\u4e86\u653f\u5e9c\u7684\u53ef\u8d1f\u62c5\u623f\u5c4b\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5c3d\u7ba1\u653f\u5e9c\u5c4b\u5b50\u7684\u623f\u4ef7\u5df2\u7ecf\u975e\u5e38\u5ec9\u5b9c\uff0c\u4f46\u8981\u4e00\u6b21\u6027\u63d0\u53d6\u4e70\u623f\u6b3e\uff0c\u5bf9\u6536\u5165\u4f4e\u5fae\u7684 B40 \u7fa4\u4f53\u8fd8\u662f\u6709\u4e00\u5b9a\u7684\u96be\u5ea6\uff0c\u66f4\u4f55\u51b5\u8fd9\u5927\u7b14\u7684\u63d0\u6b3e\u8fd8\u6709\u53ef\u80fd\u6253\u4e71\u6211\u4eec\u7684\u8ba1\u5212\uff0c\u5f71\u54cd\u65e5\u5e38\u751f\u6d3b\u3002\u4eca\u5929\u4e00\u4e0b\u5b50\u53d6\u51fa\u597d\u51e0\u5341\u4e07\uff0c\u660e\u5929\u3001\u4e0b\u4e2a\u6708\u5982\u679c\u53d1\u751f\u4ec0\u4e48\u610f\u5916\uff0c\u6839\u672c\u6ca1\u6709\u591a\u4f59\u7684\u94b1\u5468\u8f6c\u5e94\u4ed8\uff0c\u5e94\u5bf9\u98ce\u9669\u65f6\u5c31\u4f1a\u975e\u5e38\u8106\u5f31\u3002<\/p>\n\n\n\n<p>\u8fd9\u65f6\uff0c\u8d37\u6b3e\u662f\u6700\u597d\u7684\u51fa\u8def\uff01<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u4e00\u822c\u4e0a\u4f4e\u6536\u5165\u4eba\u7fa4\u56e0\u4e3a\u85aa\u6c34\u6536\u5165\u4e0d\u8fbe\u6807\u5f88\u96be\u7533\u8bf7\u5230\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\u3002\u8fd9\u6837\u4e00\u6765\uff0c\u4fe1\u7528\u62a5\u544a\u7684\u8bc4\u5206\u5c31\u4f1a\u6bd4\u8f83\u4f4e\uff0c\u94f6\u884c\u62c5\u5fc3\u94b1\u501f\u51fa\u53bb\u4e86\uff0c\u65e0\u6cd5\u6536\u56de\u6765\uff0c\u6240\u4ee5\u4ece\u94f6\u884c\u501f\u5230\u94b1\u6839\u672c\u5c31\u662f\u96be\u4e0a\u52a0\u96be\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u8003\u8651\u5230\u8fd9\u79cd\u60c5\u51b5\uff0c\u653f\u5e9c\u4e5f\u9488\u5bf9\u9996\u8d2d\u65cf\u63d0\u4f9b\u4e00\u7cfb\u5217\u7684\u623f\u5c4b\u8d37\u6b3e\u4ee5\u53ca\u4e70\u623f\u7684\u4f18\u60e0\u653f\u7b56\u3002\u8fd9\u4e9b\u8d37\u6b3e\u7684\u597d\u5904\u662f\u6536\u5165\u95e8\u69db\u7684\u8981\u6c42\u548c\u5229\u7387\u6bd4\u8f83\u4f4e\uff0c\u751a\u81f3\u8fd8\u53ef\u4ee5\u8ba9\u6211\u4eec\u514d\u4ed8\u5934\u671f\u6b3e\u3002\u63a5\u4e0b\u6765\uff0c\u6211\u4eec\u5c06\u5728\u4ee5\u4e0b\u4e00\u4e00\u63a2\u8ba8\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u5f55<\/h2><nav><ul><li class=\"\"><a href=\"#\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212-skim-jaminan-kredit-perumahan-sjkp-housing-credit-guarantee-scheme\">\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212 Skim Jaminan Kredit Perumahan (SJKP) \/ Housing Credit Guarantee Scheme<\/a><ul><li class=\"\"><a href=\"#\u666e\u901a\u7684-skim-jaminan-kredit-perumahan-sjkp\">\u666e\u901a\u7684 Skim Jaminan Kredit Perumahan (SJKP)<\/a><\/li><li class=\"\"><a href=\"#skim-sjkp-madani\">Skim SJKP &#8211; MADANI<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u4eba\u6c11\u623f\u5c4b\u8ba1\u5212-bsn-my-home\">\u4eba\u6c11\u623f\u5c4b\u8ba1\u5212 BSN MyHome\u00a0<\/a><ul><li class=\"\"><a href=\"#bsn-my-home-\uff08-program-perumahan-rakyat\uff09\">BSN MyHome \uff08Program Perumahan Rakyat\uff09<\/a><\/li><li class=\"\"><a href=\"#bsn-my-home\uff08-hartanah-kediaman\uff09\">BSN MyHome\uff08Hartanah Kediaman\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u5148\u79df\u540e\u4e70\u8ba1\u5212-skim-sewa-untuk-miliki-rent-to-own\uff08-rto\uff09\">\u5148\u79df\u540e\u4e70\u8ba1\u5212 Skim Sewa Untuk Miliki \/ Rent-to-Own\uff08RTO\uff09<\/a><ul><li class=\"\"><a href=\"#maybank-houz-key\">Maybank HouzKEY<\/a><\/li><li class=\"\"><a href=\"#skim-smart-sewa\">Skim Smart Sewa<\/a><\/li><li class=\"\"><a href=\"#\u4eba\u6c11\u7ec4\u5c4b\u8ba1\u5212-\uff08-program-perumahan-rakyat\uff0c-ppr\uff09\">\u4eba\u6c11\u7ec4\u5c4b\u8ba1\u5212 \uff08Program Perumahan Rakyat\uff0cPPR\uff09<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#rumah-belia-madani\uff08-rbm\uff09\">Rumah Belia Madani\uff08RBM\uff09<\/a><\/li><li class=\"\"><a href=\"#i-miliki-\u5370\u82b1\u7a0e\u8c41\u514d\">i-Miliki \u5370\u82b1\u7a0e\u8c41\u514d<\/a><\/li><li class=\"\"><a href=\"#2021-\u5e74\u8d22\u653f\u9884\u7b97\u6848\u5370\u82b1\u7a0e\u8c41\u514d\">2021\u5e74\u8d22\u653f\u9884\u7b97\u6848\u5370\u82b1\u7a0e\u8c41\u514d<\/a><\/li><li class=\"\"><a href=\"#\u603b\u7ed3\">\u603b\u7ed3<\/a><\/li><li class=\"\"><a href=\"#\u5ef6\u4f38\u9605\u8bfb\">\u5ef6\u4f38\u9605\u8bfb<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d23\u58f0\u660e\">\u514d\u8d23\u58f0\u660e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212-skim-jaminan-kredit-perumahan-sjkp-housing-credit-guarantee-scheme\"><strong>\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212 Skim Jaminan Kredit Perumahan (SJKP) \/ Housing Credit Guarantee Scheme<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1042\" height=\"355\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP.webp\" alt=\"SJKP\" class=\"wp-image-51239\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP.webp 1042w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP-300x102.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP-1024x349.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP-768x262.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/SJKP-750x256.webp 750w\" sizes=\"(max-width: 1042px) 100vw, 1042px\" \/><\/figure>\n\n\n\n<p>\u653f\u5e9c\u5ba3\u5e03<a href=\"https:\/\/www.enanyang.my\/%E8%A6%81%E9%97%BB\/%E7%AC%AC%E4%B8%80%E9%97%B4%E6%88%BF%E5%B1%8B%E8%AE%A1%E5%88%92%E4%B8%8B%E6%9C%88%E8%B5%B7%E5%8F%96%E6%B6%88-%E9%A6%96%E8%B4%AD%E6%97%8F%E4%B8%8D%E5%86%8D%E5%85%8D%E5%A4%B4%E6%9C%9F\" target=\"_blank\" rel=\"noopener\">2023\u5e744\u67081\u65e5\u53d6\u6d88<\/a>\u6211\u7684\u7b2c\u4e00\u95f4\u623f\u5c4b\u8ba1\u5212 Skim Rumah Pertamaku \/ My First Home Scheme\u8ba1\u5212\uff0c\u610f\u5473\u7740\u6211\u4eec\u4e0d\u518d\u4eab\u6709\u8d37\u6b3e\u9ad8\u8fbe 110%\uff0c\u514d\u4ed8\u5934\u671f\u6b3e\uff08Down Payment\uff09\u7684\u798f\u5229\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u4e0d\u7528\u614c\uff01\u5927\u9a6c\u623f\u5c4b\u4e0e\u5730\u65b9\u653f\u5e9c\u90e8\u95e8\uff08Kementerian Pembangunan Kerajaan Tempatan\uff0cKPKT\uff09\u8fd8\u63a8\u51fa\u4e86<a href=\"https:\/\/www.sjkp.com.my\/\" target=\"_blank\" rel=\"noopener\">\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212 \uff08Skim Jaminan Kredit Perumahan (SJKP) \/ Housing Credit Guarantee Scheme\uff09<\/a>\u6765\u53d6\u4ee3\u6211\u7684\u7b2c\u4e00\u95f4\u623f\u5c4b\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u9a6c\u6765\u897f\u4e9a\u653f\u5e9c\u5728 2007 \u5e74 9 \u6708\u5411\u4e0b\u8bae\u9662\u63d0\u4ea4\u4f9b\u5e94\u6cd5\u6848\uff08Rang Undang-Undang Perbekalan 2008\uff09\u65f6\uff0c\u610f\u8bc6\u5230\u90a3\u4e9b\u6ca1\u6709\u56fa\u5b9a\u6536\u5165\u7684\u4eba\uff0c\u5982\u519c\u6c11\u548c\u5c0f\u5546\u4eba\uff0c\u96be\u4ee5\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\u6765\u8d2d\u4e70\u623f\u5b50\u3002<\/p>\n\n\n\n<p>\u4e3a\u6b64\uff0c\u653f\u5e9c\u4e8e 2007 \u5e74 12 \u6708 6 \u65e5\u6210\u7acb\u4e86 Syarikat Jaminan Kredit Perumahan Berhad\u3002\u8fd9\u662f\u4e00\u5bb6\u7531\u8d22\u653f\u90e8\u5168\u8d44\u62e5\u6709\u7684\u516c\u53f8\uff0c\u4ee5\u4fdd\u8bc1\u53c2\u4e0e\u8fd9\u9879\u8ba1\u5212\u7684\u91d1\u878d\u673a\u6784\u6216\u94f6\u884c\u63d0\u4f9b\u623f\u5c4b\u8d37\u6b3e\u7684\u4fbf\u5229\u3002<\/p>\n\n\n\n<p>2023\u5e74\u8d22\u653f\u9884\u7b97\u6848\uff0c\u653f\u5e9c\u5ba3\u5e03\u63a8\u51fa\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212 \uff08SJKP\uff09\uff0c\u4e3a<strong>\u6ca1\u6709\u56fa\u5b9a\u6536\u5165\u6216\u8005\u6ca1\u6709\u85aa\u6c34\u5355\u8bc1\u660e\u6536\u5165\u7684\u7fa4\u4f53<\/strong>\uff0c\u5982\uff1a\u81ea\u7531\u804c\u4e1a\u8005\uff08Freelancer\uff09\u3001\u5c0f\u8d29\u3001\u519c\u6c11\u3001Grab\u53f8\u673a\u7b49\u5728\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50\u65f6\u63d0\u4f9b\u6700\u9ad8 RM 500,000 \u7684\u8d37\u6b3e\u62c5\u4fdd\uff08\u622a\u81f32023\u5e74\uff09\u3002\u8fd9\u610f\u5473\u7740\u6211\u4eec\u5c06\u4e0d\u7528\u81ea\u884c\u51c6\u5907\u5934\u671f\u6b3e\u3002<\/p>\n\n\n\n<p>\u8fd9\u9879\u8ba1\u5212\u5171\u67092\u79cd\u8d37\u6b3e\u8ba1\u5212\uff0c\u4e00\u4e2a\u662f\u666e\u901a\u7684 SJKP\uff0c\u53e6\u4e00\u4e2a\u5219\u662f Skim SJKP &#8211; MADANI\u3002\u4e0b\u9762\u4e3a\u4f60\u7b80\u8ff0\u8fd9\u9879\u8ba1\u5212\u7684\u62c5\u4fdd\u878d\u8d44\u91d1\u989d\u4ee5\u53ca\u6761\u4ef6\u7b49\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u666e\u901a\u7684-skim-jaminan-kredit-perumahan-sjkp\" style=\"color:#009bff\"><a href=\"https:\/\/www.sjkp.com.my\/skim-my\/skim-hcgs\" target=\"_blank\" rel=\"noopener\"><strong>\u666e\u901a\u7684 Skim Jaminan Kredit Perumahan (SJKP)<\/strong><\/a><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u91d1\u989d\uff1a<\/strong>\u6700\u9ad8 RM 500,000\uff08\u5305\u62ec\u672c\u91d1\u3001\u623f\u5c4b\u4fdd\u9669\uff0c\u5982\uff1aMRTA\/MRTT\/LTHO\u3001\u5f8b\u5e08\u8d39\u548c\u8bc4\u4f30\u8d39\uff09\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u653f\u5e9c\u5728\u6700\u65b0\u76842024\u5e74\u8d22\u653f\u9884\u7b97\u4e2d\uff0c<a href=\"https:\/\/www.orientaldaily.com.my\/news\/nation\/2023\/11\/03\/608181\" target=\"_blank\" rel=\"noopener\">\u63d0\u9ad8\u4e86 SJKP \u8ba1\u5212\u7684\u62c5\u4fdd\u91d1\u989d\u81f3100\u4ebf\u4ee4\u5409<\/a>\uff0c\u9884\u6599\u60e0\u53ca4\u4e07\u540d\u501f\u8d37\u4eba\u3002<\/p>\n\n\n\n<p><strong>\u62c5\u4fdd\u8303\u56f4\uff1a<\/strong>\u8d85\u8fc7\u878d\u8d44\u91d1\u989d\uff08\u6700\u9ad8 RM 500,000\uff09100%\u7684\u8d44\u91d1\u62c5\u4fdd\uff08\u5305\u62ec\u672c\u91d1\u3001\u623f\u5c4b\u4fdd\u9669\uff0c\u5982\uff1aMRTA\/MRTT\/LTHO\u3001\u5f8b\u5e08\u8d39\u548c\u8bc4\u4f30\u8d39\uff09<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"skim-sjkp-madani\" style=\"color:#009bff\"><a href=\"https:\/\/www.sjkp.com.my\/skim-my\/skim-sjkp-madani\" target=\"_blank\" rel=\"noopener\"><strong>Skim SJKP &#8211; MADANI<\/strong><\/a><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u91d1\u989d\uff1a<\/strong>\u6700\u9ad8 RM 360,000\uff08\u5305\u62ec\u623f\u4ef7\u7684100%\u3001\u623f\u5c4b\u4fdd\u9669\uff0c\u5982\uff1aMRTA\/MRTT\/LTHO\u3001\u5f8b\u5e08\u8d39\u3001\u8bc4\u4f30\u8d39\u3001\u88c5\u4fee\u8d39\u548c\u8d2d\u4e70\u5bb6\u5c45\u7684\u8d39\u7528\uff09\u3002<\/p>\n\n\n\n<p><strong>\u62c5\u4fdd\u8303\u56f4\uff1a<\/strong>\u6700\u9ad8\u53ef\u8fbe\u623f\u5c4b\u4ef7\u683c\u7684120%\uff0c\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul>\n<li>\u6700\u9ad8\u53ef\u8fbe\u623f\u4ef7\u7684100%<\/li>\n\n\n\n<li>\u623f\u5c4b\u4fdd\u9669\uff08MRTA\/MRTT\/LTHOT\uff09\u3001\u5f8b\u5e08\u8d39\u3001\u4f30\u4ef7\u8d39\u3001\u88c5\u4fee\u8d39\u548c\u5bb6\u5177\u8d2d\u4e70\u8d39\u6700\u9ad8\u53ef\u8fbe\u623f\u4ef7\u7684 20%<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\u867d\u7136\u4e24\u9879\u8ba1\u5212\u5728\u8d37\u6b3e\u91d1\u989d\u548c\u8d44\u91d1\u4fdd\u969c\u4e0a\u7684\u91d1\u989d\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u5374\u62e5\u6709\u4ee5\u4e0b\u5171\u540c\u7279\u70b9\u3002<\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u671f\u9650\uff1a<\/strong>\u6700\u957f 35 \u5e74\u6216\u76f4\u81f3\u8d37\u6b3e\u671f\u9650\u7ed3\u675f\u53c8\u6216\u8005\u7533\u8bf7\u4eba\u5e74\u6ee165\u5c81\uff0c\u89c6\u4e4e\u4f55\u8005\u4e3a\u3002\u8fd9\u9879\u8ba1\u5212\u5141\u8bb8 Pinjaman Perumahan Dua Generasi\u3002\u4ec0\u4e48\u662f Pinjaman Perumahan Dua Generasi\uff1f<\/p>\n\n\n\n<ul>\n<li>\u501f\u6b3e\u4eba\u7533\u8bf7\u7684\u4f4f\u623f\u8d37\u6b3e\u671f\u9650\u4e3a40\u5e74\u6216\u4ee5\u4e0a\uff0c\u8fd9\u7edd\u5bf9\u8d85\u8fc7\u4e86\u501f\u6b3e\u4eba\u7684\u9000\u4f11\u5e74\u9f84\u3002<\/li>\n\n\n\n<li>\u501f\u6b3e\u4eba\u53ef\u4ee5\u5728\u8fbe\u5230\u9000\u4f11\u5e74\u9f84\u65f6\u4f7f\u7528 EPF \u50a8\u84c4\u4e00\u6b21\u6027\u4ed8\u6b3e\u6765\u7ed3\u6e05\u8d37\u6b3e\u4f59\u989d\u3002<\/li>\n\n\n\n<li>\u5f53\u501f\u6b3e\u4eba\u65e0\u6cd5\u5de5\u4f5c\u4e14\u4ecd\u6709\u8d37\u6b3e\u4f59\u989d\u65f6\uff0c\u501f\u6b3e\u4eba\u7684\u5b50\u5973\uff08\u7b2c\u4e8c\u4ee3\uff09\u53ef\u4ee5\u7ee7\u7eed\u8fd8\u6b3e\uff0c\u76f4\u81f3\u8d37\u6b3e\u5b8c\u6210\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u5229\u7387\uff1a<\/strong>\u89c6\u94f6\u884c\u800c\u5b9a\u3002\u4ee5\u4e0b\u662f\u8fd9\u9879\u8ba1\u5212\u7684<a href=\"https:\/\/www.sjkp.com.my\/institusi-kewangan\" target=\"_blank\" rel=\"noopener\">\u5408\u4f5c\u94f6\u884c<\/a>\uff1a<\/p>\n\n\n\n<p>1.\u9996\u8981\u5408\u4f5c\u94f6\u884c<\/p>\n\n\n\n<ul>\n<li>Agro Bank<\/li>\n\n\n\n<li>Bank Islam<\/li>\n\n\n\n<li>Bank Muamalat<\/li>\n\n\n\n<li>Bank Rakyat<\/li>\n\n\n\n<li>BSN<\/li>\n\n\n\n<li>MBSB Bank<\/li>\n\n\n\n<li>RHB Bank<\/li>\n<\/ul>\n\n\n\n<p>2.\u5176\u4ed6\u94f6\u884c<\/p>\n\n\n\n<ul>\n<li>Affin Bank Berhad<\/li>\n\n\n\n<li>Affin Islamic Bank Berhad<\/li>\n\n\n\n<li>Alliance Bank Malaysia Berhad<\/li>\n\n\n\n<li>Alliance Islamic Bank Malaysia Berhad<\/li>\n\n\n\n<li>AmBank (M) Berhad<\/li>\n\n\n\n<li>AmBank Islamic Berhad<\/li>\n\n\n\n<li>Hong Leong Bank Berhad<\/li>\n\n\n\n<li>Hong Leong Islamic Bank Berhad<\/li>\n\n\n\n<li>Malayan Banking Berhad<\/li>\n\n\n\n<li>Maybank Islamic Berhad<\/li>\n<\/ul>\n\n\n\n<p><strong>\u9002\u5408\u7533\u8bf7\u8fd9\u9879\u8ba1\u5212\u7684\u623f\u5c4b\u7c7b\u578b\uff1a<\/strong>\u653f\u5e9c\u6216\u79c1\u4eba\u53d1\u5c55\u5546\u5efa\u9020\u7684\u623f\u5b50\u7686\u6709\u8d44\u683c\u7533\u8bf7\uff0c\u5982\uff1a\u653f\u5e9c\u7684\u5ec9\u4ef7\u623f\u5c4b\uff08Rumah Kos Rendah\uff09\u548c\u4e2d\u4ef7\u623f\u5c4b\uff08Rumah Kos Sederhana\uff09\u3001\u94f6\u884c\u7684\u62cd\u5356\u623f\u5c4b\uff08Rumah Lelong\uff09\u3001\u53d1\u5c55\u5546\u6b63\u5728\u5efa\u9020\u4e2d\u7684\u623f\u5c4b\u3001\u5df2\u7ecf\u5b8c\u5de5\u7684\u65b0\u623f\u5c4b\u6216\u4e8c\u624b\u623f\u5c4b\u3002\u5982\u679c\u4f60\u6709\u4e00\u5757\u571f\u5730\uff0c\u60f3\u8981\u81ea\u5efa\u623f\u5b50\u5219\u4e0d\u7b26\u5408\u8fd9\u9879\u8ba1\u5212\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u8981\u7533\u8bf7\u8fd9\u9879\u8ba1\u5212\u4ec5\u9650\u81ea\u4f4f\u7528\u9014\uff0c\u4e0d\u80fd\u628a\u8d37\u6b3e\u8d2d\u4e70\u7684\u623f\u5c4b\u7528\u6765\u505a\u751f\u610f\u3002\u5982\u679c\u4f60\u8ba1\u5212\u628a\u7528\u8fd9\u9879\u8ba1\u5212\u8d2d\u4e70\u7684\u623f\u5c4b\u5356\u6389\uff0c\u5219\u9700\u8981\u5f81\u6c42\u94f6\u884c\u7684\u7edf\u4e00\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.sjkp.com.my\/skim-my\/kelayakan\" target=\"_blank\" rel=\"noopener\"><strong>\u7533\u8bf7\u6761\u4ef6<\/strong><\/a><strong>\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>18\u5c81\u4ee5\u4e0a<\/li>\n\n\n\n<li>\u65e0\u56fa\u5b9a\u6536\u5165\u3001\u81ea\u96c7\u4eba\u58eb\u6216\u62e5\u6709\u56fa\u5b9a\u6536\u5165<\/li>\n\n\n\n<li>\u4ec5\u9650\u9996\u8d2d\u65cf\uff0c\u5373\u7b2c\u4e00\u6b21\u8d2d\u4e70\u623f\u5c4b<\/li>\n\n\n\n<li>\u7533\u8bf7\u4eba\u6240\u6709\u8d37\u6b3e\u7684\u8fd8\u6b3e\u603b\u989d\u4e0d\u8d85\u8fc7\u6bcf\u6708\u603b\u6536\u5165\u768465%<\/li>\n\n\n\n<li>\u6700\u8fd1 12 \u4e2a\u6708\u5185\u7684 <a href=\"https:\/\/valueinmind.co\/zh\/what-is-ccris-and-ctos\/\">CCRIS \u4fe1\u7528\u62a5\u544a<\/a>\u6ca1\u6709\u7559\u4e0b\u8d85\u8fc7 2 \u4e2a\u6708\u7684\u903e\u671f\u4e0d\u8fd8\u6b3e\u8bb0\u5f55<\/li>\n\n\n\n<li>24\u4e2a\u6708\u5185\u65e0\u5176\u4ed6\u4e0d\u826f\u4fe1\u7528\u8bb0\u5f55<\/li>\n<\/ul>\n\n\n\n<p><strong>\u7533\u8bf7\u65b9\u6cd5\uff1a<\/strong><\/p>\n\n\n\n<p>1.<a href=\"https:\/\/www.sjkp.com.my\/en\/hcgs\/documents-to-fis\" target=\"_blank\" rel=\"noopener\">\u51c6\u5907\u4ee5\u4e0b\u6587\u4ef6<\/a>\uff1a<\/p>\n\n\n\n<ul>\n<li>\u4e70\u5356\u534f\u8bae\uff08Sales &amp; Purchase Agreement\uff09\/\u8ba2\u5355\uff08Booking Sheet\uff09\/\u5934\u671f\u6b3e\u6536\u636e\uff08Down Payment Receipt\uff09<\/li>\n\n\n\n<li>\u6700\u8fd1 6 \u4e2a\u6708\u7684\u94f6\u884c\u5bf9\u8d26\u5355\uff08\u5982\u6709\uff09<\/li>\n\n\n\n<li>\u6700\u65b0\u6240\u5f97\u7a0e\u7533\u62a5\u8868\/ EPF \u62a5\u8868<\/li>\n\n\n\n<li>\u5c31\u4e1a\u8bc1\u660e\uff08\u5982\u6709\uff09<\/li>\n\n\n\n<li>\u7533\u8bf7\u4eba\u8eab\u4efd\u8bc1\u590d\u5370\u4ef6<\/li>\n\n\n\n<li>\u5546\u4e1a\u6267\u7167\u3001\u6e14\u6c11\u767b\u8bb0\u5361\u6216\u51fa\u79df\u8f66\u8bb8\u53ef\u8bc1\uff08\u4ee5\u9002\u7528\u8005\u4e3a\u51c6\uff09<\/li>\n\n\n\n<li>\u7531 JKKK \u6216 A \u7c7b\u653f\u5e9c\u516c\u52a1\u5458\u3001Penghulu\/Ketua Kampung \u6216\u94f6\u884c\u5206\u884c\u7ecf\u7406\u8ba4\u8bc1\u7684\u6536\u5165\u6765\u6e90\u58f0\u660e\u4e66<\/li>\n<\/ul>\n\n\n\n<p>2.\u628a\u8fd9\u4e9b\u6587\u4ef6\u643a\u5e26\u5230\u6709\u53c2\u4e0e SJKP \u8ba1\u5212\u7684\u94f6\u884c\uff08\u53ef\u53c2\u7167\u5229\u7387\u4e00\u680f\u7684\u5408\u4f5c\u94f6\u884c\uff09\u3002\u6362\u8a00\u4e4b\uff0c\u8fd9\u9879\u8ba1\u5212\u53ea\u80fd\u7ebf\u4e0b\u7533\u8bf7\u3002<\/p>\n\n\n\n<p>3.\u7533\u8bf7\u901a\u8fc7\u540e\uff0c\u94f6\u884c\u4f1a\u628a \u8d37\u6b3e\u732e\u8bae\u4e66 Offer Letter\uff08LO\uff09\u53d1\u7ed9\u7533\u8bf7\u8005\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4eba\u6c11\u623f\u5c4b\u8ba1\u5212-bsn-my-home\"><strong>\u4eba\u6c11\u623f\u5c4b\u8ba1\u5212 BSN MyHome&nbsp;<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/BSN.webp\" alt=\"BSN\" class=\"wp-image-51241\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/BSN.webp 1000w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/BSN-300x180.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/BSN-768x461.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/BSN-750x450.webp 750w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>BSN MyHome \u662f\u7531\u56fd\u6c11\u50a8\u84c4\u94f6\u884c\uff08Bank Simpanan Nasional\uff0cBSN\uff09\u6240\u63a8\u51fa\u7684\u623f\u5c4b\u8d37\u6b3e\u8ba1\u5212\u3002MyHome \u8d37\u6b3e\u8ba1\u5212\u4e00\u5171\u5206\u4e3a\u4ee5\u4e0b2\u79cd\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"bsn-my-home-\uff08-program-perumahan-rakyat\uff09\" style=\"color:#009bff\"><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Loans\/bsn-myhome-ppr?lang=ms-MY\" target=\"_blank\" rel=\"noopener\"><strong>BSN MyHome \uff08Program Perumahan Rakyat\uff09<\/strong><\/a><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8fd9\u9879\u8ba1\u5212\u65e8\u5728\u5e2e\u52a9<strong>\u6ca1\u6709\u56fa\u5b9a\u6536\u5165\u6216\u81ea\u96c7\u4eba\u58eb\u901a\u8fc7\u8d37\u6b3e\u8d2d\u4e70\u5230\u623f\u5b50<\/strong>\u3002\u6839\u636e\u8d37\u6b3e\u91d1\u989d\uff0c\u8d37\u6b3e\u671f\u9650\u4ee5\u53ca\u623f\u5b50\u7c7b\u578b\uff08\u5efa\u597d VS \u5efa\u9020\u4e2d\uff09\u7684\u4e0d\u540c\uff0c\u8d37\u6b3e\u7684\u5229\u7387\u4e5f\u6709\u6240\u4e0d\u540c\u3002\u5f53\u4e2d\uff0c\u8d37\u6b3e\u5229\u7387\u6700\u4f4e\u7684\u662f\u8fd8\u5728\u5efa\u9020\u4e2d\u7684\u623f\u5b50\uff0c\u59342\u5e74\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u4e0b\u8868\u4e3a\u4f60\u5398\u6e05\u53ef\u4ee5\u501f\u5230\u7684\u8d37\u6b3e\u91d1\u989d\u3001\u8d37\u6b3e\u671f\u9650\u4ee5\u53ca\u8d37\u6b3e\u5229\u7387\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u8d37\u6b3e\u91d1\u989d<\/strong><\/td><td><strong>\u8d37\u6b3e\u5e74\u9650<\/strong><\/td><td><strong>\u5df2\u5efa\u597d\u623f\u5c4b\u7684\u8d37\u6b3e\u5229\u7387<\/strong><\/td><td><strong>\u8fd8\u5728\u5efa\u9020\u4e2d\u7684\u623f\u5c4b\u8d37\u6b3e\u5229\u7387<\/strong><\/td><\/tr><tr><td>RM 100,000 \u4ee5\u4e0b<\/td><td>35\u5e74<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 3.85%= 6.85%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 3.85%= 6.85%<\/td><\/tr><tr><td>RM 100,000 &#8211; RM 300,000<\/td><td>1 -2 \u5e74<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 2.05%= 5.05%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.80%= 4.80%<\/td><\/tr><tr><td><\/td><td>\u63a5\u4e0b\u6765\u51e0\u5e74<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 2.05%= 5.05%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 2.05%= 5.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u62c5\u4fdd\u8303\u56f4\uff1a<\/strong>\u8d37\u6b3e\u9ad8\u8fbe 100%\uff08\u5305\u62ec\u623f\u5c4b\u4fdd\u9669\uff1aMRTA \/ MRTT &amp; LTHOT\uff09<\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u671f\u9650\uff1a<\/strong>\u6700\u957f\u53ef\u8fbe35\u5e74<\/p>\n\n\n\n<p><strong>\u9002\u5408\u7533\u8bf7\u8fd9\u9879\u8ba1\u5212\u7684\u623f\u5c4b\u7c7b\u578b\uff1a<\/strong>\u8fd9\u9879\u8ba1\u5212\u4ec5\u9650\u9996\u8d2d\u65cf\u7684\u7b2c\u4e00\u95f4\u623f\u5b50\uff0c\u5e76\u4e14\u53ea\u80fd\u7528\u4f5c\u81ea\u4f4f\u7528\u9014\u3002\u623f\u5b50\u9700\u662f\u5ec9\u4ef7\u623f\u5c4b\uff08Rumah Kos Rendah\uff09\u6216\u4e2d\u4ef7\u623f\u5c4b\uff08Rumah Kos Sederhana\uff09\u3002<\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>18-60\u5c81<\/li>\n\n\n\n<li>\u6bcf\u6708\u6536\u5165\u6700\u4f4e RM 1,500<\/li>\n\n\n\n<li>\u9700\u8bc1\u660e\u6536\u5165\u6765\u6e90\uff08\u4e00\u822c\u4e0a\u53ef\u8bf7JKKK \u6216 A \u7c7b\u653f\u5e9c\u516c\u52a1\u5458\u3001Penghulu\/Ketua Kampung \u6216\u94f6\u884c\u5206\u884c\u7ecf\u7406\u516c\u8bc1\uff09<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"bsn-my-home\uff08-hartanah-kediaman\uff09\" style=\"color:#009bff\"><a href=\"https:\/\/www.bsn.com.my\/PersonalBanking\/Loans\/bsn-myhome-residential?lang=ms-MY&amp;csrt=17283236086462750214\" target=\"_blank\" rel=\"noopener\"><strong>BSN MyHome\uff08Hartanah Kediaman\uff09<\/strong><\/a><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8fd9\u9879\u8d37\u6b3e\u8ba1\u5212\u662f\u4e3a\u4e86\u8d2d\u4e70\u5df2\u7ecf\u5efa\u597d\u7684\u65b0\u623f\u5c4b\u3001\u6b63\u5728\u5efa\u9020\u5f00\u53d1\u7684\u4f4f\u5b85\u3001\u518d\u878d\u8d44\uff08Refinance\uff09\u7684\u6c11\u4f17\u63d0\u4f9b\u9ad8\u8fbe95%\u7684\u8d37\u6b3e\uff0c\u610f\u5473\u7740\u6211\u4eec\u53ea\u9700\u51c6\u5907\u6700\u5c115%\u7684\u5934\u671f\u6b3e\uff08Down Payment\uff09\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u8d37\u6b3e\u91d1\u989d<\/strong><\/td><td><strong>NON-FEC \u5229\u7387<\/strong><\/td><td><strong>FEC \u5229\u7387<\/strong><\/td><\/tr><tr><td>RM 100,000 \u4ee5\u4e0b<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 3.85%= 6.85%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 3.85%= 6.85%<\/td><\/tr><tr><td>RM 100,000 &#8211; RM 300,000<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.45%= 4.45%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.60%= 4.60%<\/td><\/tr><tr><td>RM 300,000 &#8211; RM 500,000<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.35%= 4.35%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.50%= 4.50%<\/td><\/tr><tr><td>RM 500,000 \u4ee5\u4e0a<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.25%= 4.25%<\/td><td>\u57fa\u7840\u5229\u7387\uff08<a href=\"https:\/\/www.bsn.com.my\/page\/interest-rates\" target=\"_blank\" rel=\"noopener\">KAS<\/a>\u622a\u81f32023\u5e74\u662f3%\uff09 + 1.40%= 4.40%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u4e00\u822c\u4e0a\uff0c\u5bf9\u4e8e\u9996\u5957\u623f\u548c\u7b2c\u4e8c\u5957\u623f\u7684\u4e70\u5bb6\uff0c\u4f1a\u6709\u4e00\u9879\u8d22\u52a1\u5165\u95e8\u6210\u672c (Financial Entry Cost\uff0cFEC) \uff0c\u5373\u8d37\u6b3e\u91d1\u989d\u9ad8\u8fbe\u623f\u5c4b\u8d2d\u4e70\u4ef7\u683c\u7684 90% + 10%\uff085% MRTA \u623f\u5c4b\u4fdd\u9669 + 5% \u6cd5\u5f8b\u8d39\u548c\u623f\u4ea7\u8bc4\u4f30\u8d39\uff09\u3002<\/p>\n\n\n\n<p>\u5bf9\u4e8e\u7b2c\u4e8c\u5957\u623f\u5b50\u4e4b\u540e\u7684\u623f\u5b50\uff0c\u5219\u6ca1\u6709\u8d22\u52a1\u5165\u95e8\u6210\u672c\uff08Non-FEC\uff09\uff0c\u8d37\u6b3e\u989d\u5ea6\u662f\u623f\u5c4b\u4ef7\u683c\u7684 90% + 5% MRTA\uff08\u623f\u5c4b\u4fdd\u9669\uff09\u3002<\/p>\n\n\n\n<p>\u5bf9\u4e8e\u6ca1\u6709\u4fdd\u9669\u7684\u8d37\u6b3e\uff0c\u5219\u4f1a\u5728\u4e0a\u8ff0\u5229\u7387\u7684\u57fa\u7840\u4e0a\u52a0\u6536 0.15%\u3002<\/p>\n\n\n\n<p><strong>\u9002\u5408\u7533\u8bf7\u8fd9\u9879\u8ba1\u5212\u7684\u623f\u5c4b\u7c7b\u578b\uff1a<\/strong>\u5df2\u7ecf\u5efa\u597d\u6216\u6b63\u5728\u5efa\u9020\u7684\u4f4f\u5b85<\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>21\u5c81\u4ee5\u4e0a\uff0c\u5f53\u8d37\u6b3e\u671f\u9650\u7ed3\u675f\u65f6\u5e74\u9f84\u4e0d\u8d85\u8fc770\u5c81<\/li>\n\n\n\n<li>\u62e5\u6709\u56fa\u5b9a\u6536\u5165\uff0c\u9700\u51c6\u5907\u8eab\u4efd\u8bc1\u590d\u5370\u4ef6\u3001\u6700\u8fd13\u4e2a\u6708\u7684\u85aa\u6c34\u5355\u539f\u4ef6\u548c\u590d\u5370\u4ef6\u3001\u6700\u8fd1 3 \u4e2a\u6708\u7684\u94f6\u884c\u5bf9\u8d26\u5355\u3001\u8fc7\u53bb 6 \u4e2a\u6708\u7684\u94f6\u884c\u5bf9\u8d26\u5355\uff08\u5176\u4ed6\u6536\u5165\uff09\u3001\u6700\u65b0\u7684\u516c\u79ef\u91d1\u58f0\u660e\u3001\u5c31\u4e1a\u8bc1\u660e\u3001Borang J \/\u6700\u65b0\u6240\u5f97\u7a0e\u7533\u62a5\u8868\u6765\u8bc1\u660e\u81ea\u5df1\u6709\u6bcf\u6708\u8fd8\u6b3e\u7684\u80fd\u529b<\/li>\n\n\n\n<li>\u8bc1\u660e\u81ea\u5df1\u62e5\u6709\u76f8\u5173\u623f\u4ea7\uff0c\u9700\u51c6\u5907\u4e70\u5356\u534f\u8bae\u548c\u623f\u5730\u4ea7\u6587\u4ef6\u7684\u526f\u672c\u4ee5\u53ca\u5728\u94f6\u884c\u6ce8\u518c\u7684\u8bc4\u4f30\u5e08\u51fa\u5177\u7684\u8bc4\u4f30\u62a5\u544a\u526f\u672c<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5148\u79df\u540e\u4e70\u8ba1\u5212-skim-sewa-untuk-miliki-rent-to-own\uff08-rto\uff09\"><strong>\u5148\u79df\u540e\u4e70\u8ba1\u5212 Skim Sewa Untuk Miliki \/ Rent-to-Own\uff08RTO\uff09<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5148\u79df\u540e\u4e70\u8ba1\u5212\u662f\u5728 2020 \u5e74\u9884\u7b97\u6848\u5ba3\u5e03\u7684\u3002<\/p>\n\n\n\n<p>\u5148\u79df\u540e\u4e70\u8ba1\u5212\uff0c\u987e\u540d\u601d\u4e49\u5c31\u662f\u5982\u679c\u4f60\u770b\u4e2d\u4e86\u67d0\u5957\u623f\u5b50\uff0c\u4f60\u53ef\u4ee5\u548c\u53d1\u5c55\u5546\u7b7e\u8ba2\u5408\u7ea6\u79df\u4e0b\u623f\u5b50\u3002\u79df\u8d41\u671f\u9650\u4e00\u822c\u662f\u6211\u4eec\u548c\u53d1\u5c55\u5546\u5546\u8ba8\u7684\uff0c\u5927\u7ea6\u662f5-20\u5e74\u3002\u5f53\u79df\u7ea6\u5230\u671f\u540e\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u4e70\u4e0b\u8fd9\u5957\u623f\u5b50\uff0c\u6216\u9009\u62e9\u7ec8\u6b62\u5408\u7ea6\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e48\u505a\u7684\u597d\u5904\u662f\u6211\u4eec\u53ef\u4ee5\u4ee5<strong>0\u6210\u672c\u6765\u5c1d\u8bd5\u8fd9\u5957\u623f\u5b50\u7a76\u7adf\u5408\u4e0d\u5408\u610f<\/strong>\u3002\u8fd9\u91cc\u76840\u6210\u672c\u6307\u7684\u662f\u6211\u4eec\u4e0d\u9700\u8981\u652f\u4ed8\u4efb\u4f55\u5934\u671f\u6b3e\u3002\u5b83\u7684\u64cd\u4f5c\u539f\u7406\u662f\u8fd9\u6837\u7684\uff0c\u5728\u786e\u5b9a\u79df\u4e0b\u623f\u5b50\u65f6\u6211\u4eec\u9700\u8981\u652f\u4ed8\u4e00\u7b14\u4fdd\u8bc1\u91d1\uff0c\u653e\u5fc3\u8fd9\u7b14\u94b1\u662f\u53ef\u4ee5\u9000\u6362\u7684\uff0c\u5c31\u76f8\u5f53\u4e8e\u6211\u4eec\u79df\u623f\u65f6\u7ed9\u623f\u4e1c\u4ea4\u7684\u5b9a\u91d1\u4e00\u6837\u3002\u4e4b\u540e\u6bcf\u4e2a\u6708\u4e5f\u9700\u8981\u6309\u65f6\u4ea4\u8fd8\u79df\u91d1\u3002\u8fd9\u4e9b\u79df\u91d1\u5c31\u4f1a\u7b97\u8fdb\u6211\u4eec\u4ee5\u540e\u4e70\u623f\u7684\u91d1\u989d\u5f53\u4e2d\uff0c\u8fd9\u6837\u4e00\u6765\uff0c\u5f53\u6211\u4eec\u6709\u80fd\u529b\u4e70\u4e0b\u623f\u5b50\u65f6\uff0c\u5c31\u53ef\u4ee5\u514d\u53bb\u5934\u671f\u6b3e\u7684\u538b\u529b\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f60\u9009\u62e9\u4e0d\u4e70\u4e0b\u623f\u5b50\uff0c\u5c31\u4f1a\u635f\u5931\u79df\u91d1\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5148\u79df\u540e\u4e70\u8fd8\u53ef\u4ee5\u8ba9\u6211\u4eec<strong>\u9501\u5b9a\u623f\u4ef7<\/strong>\u3002\u4e00\u4e9b\u623f\u5b50\u53ef\u80fd\u4f1a\u56e0\u4e3a\u5468\u906d\u8bbe\u65bd\u7684\u63d0\u5347\uff0c\u5bfc\u81f4\u623f\u4ef7\u4e5f\u968f\u4e4b\u4e0a\u5347\u3002\u4f46\u662f\uff0c\u5982\u679c\u52a0\u5165\u5148\u79df\u540e\u4e70\u8ba1\u5212\uff0c\u65e0\u8bba\u623f\u4ef7\u5982\u4f55\u98d9\u5347\uff0c\u6211\u4eec\u4f9d\u7136\u53ef\u4ee5\u6839\u636e\u5f53\u521d\u5408\u540c\u7b7e\u8ba2\u4e0b\u7684\u4ef7\u683c\u8d2d\u4e70\uff0c\u4e0d\u7528\u62c5\u5fc3\u9700\u8981\u51c6\u5907\u66f4\u591a\u8d44\u91d1\u3002\u53cd\u4e4b\uff0c\u5373\u4f7f\u623f\u4ef7\u4e0b\u8dcc\uff0c\u6211\u4eec\u4e5f\u4e0d\u80fd\u8d81\u4f4e\u4ef7\u8d2d\u4e70\uff0c\u4f9d\u7136\u9700\u8981\u5c65\u884c\u5408\u540c\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5728\u79df\u8d41\u671f\u95f4\uff0c\u7531\u4e8e\u623f\u5b50\u4ea7\u6743\u8fd8\u4e0d\u5c5e\u4e8e\u4f60\uff0c\u6240\u4ee5\u6211\u4eec\u6ca1\u6709\u8d44\u683c\u5bf9\u623f\u5b50\u8fdb\u884c\u4efb\u4f55\u88c5\u4fee\u3002\u540c\u65f6\uff0c\u5982\u679c\u6211\u4eec\u6ca1\u6709\u51c6\u65f6\u8fd8\u623f\u79df\uff0c\u6211\u4eec\u6709\u53ef\u80fd\u56e0\u4e3a\u6bc1\u7ea6\u800c\u5931\u53bb\u623f\u5b50\u3002<\/p>\n\n\n\n<p>\u53c2\u4e0e\u5148\u79df\u540e\u4e70\u8ba1\u5212\u7684\u673a\u6784\u67093\u4e2a\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"maybank-houz-key\" style=\"color:#009bff\"><a href=\"https:\/\/www.maybank2own.com\/portal\/\" target=\"_blank\" rel=\"noopener\"><strong>Maybank HouzKEY<\/strong><\/a><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1563\" height=\"616\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY.webp\" alt=\"Maybank HouzKEY\" class=\"wp-image-51243\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY.webp 1563w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-300x118.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-1024x404.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-768x303.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-1536x605.webp 1536w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-750x296.webp 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Maybank-HouzKEY-1140x449.webp 1140w\" sizes=\"(max-width: 1563px) 100vw, 1563px\" \/><\/figure>\n\n\n\n<p><strong>\u8d37\u6b3e\u91d1\u989d\uff1a<\/strong>\u63d0\u4f9b100%\u7684\u8d37\u6b3e\u91d1\u989d\uff0c\u610f\u5473\u7740\u6211\u4eec\u4e0d\u7528\u81ea\u5df1\u4ed8\u5934\u671f\u6b3e\u3002\u5982\u679c\u623f\u5b50\u8fd8\u5728\u5efa\u9020\u5f53\u4e2d\uff0c\u66f4\u4e0d\u7528\u4ed8\u4efb\u4f55\u6b3e\u9879\u3002<\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u671f\u9650\uff1a<\/strong>\u6700\u4f4e5\u5e74\uff0c\u8fd95\u5e74\u88ab\u89c6\u4e3a\u521d\u59cb\u8d37\u6b3e\u671f\uff0c\u6211\u4eec\u53ef\u4ee5\u9009\u62e9\u5ef6\u957f30\u5e74\u81f3\u6700\u957f35\u5e74\u6216\u76f4\u81f3\u8d37\u6b3e\u4eba\u5e74\u6ee170\u5c81\uff0c\u89c6\u4f55\u8005\u4e3a\u5148\u3002<\/p>\n\n\n\n<p><strong>\u8d37\u6b3e\u5229\u7387\uff1a<\/strong><\/p>\n\n\n\n<p>\u5728\u521d\u59cb\u8d37\u6b3e\u671f\u5185\uff08\u99965\u5e74\uff09\uff0c\u6211\u4eec\u7684\u8d37\u6b3e\u5229\u7387\u662f\u6839\u636e\u6d3b\u52a8\u4fc3\u9500\u5229\u7387\uff08campaign rate\uff09\u6765\u8ba1\u7b97\u6bcf\u6708\u8fd8\u6b3e\u7684\u91d1\u989d\u3002<\/p>\n\n\n\n<p>5\u5e74\u540e\uff0c\u5373\u7b2c6\u5e74\u8d77\uff0c\u5982\u679c\u6211\u4eec\u9009\u62e9\u5ef6\u957f\u8d37\u6b3e\u671f\u9650\uff0c\u8d37\u6b3e\u5229\u7387\u5219\u6839\u636e\u666e\u901a\u5229\u7387\uff08profit rate\uff09\u6765\u8ba1\u7b97\u6211\u4eec\u6bcf\u6708\u7684\u8fd8\u6b3e\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u6211\u4eec\u80fd\u83b7\u5f97\u4ec0\u4e48\u6837\u7684\u6d3b\u52a8\u4fc3\u9500\u5229\u7387\uff08campaign rate\uff09\u548c\u666e\u901a\u5229\u7387\uff08profit rate\uff09\u662f\u6839\u636e<a href=\"https:\/\/valueinmind.co\/zh\/what-is-ccris-and-ctos\/\">\u4fe1\u7528\u62a5\u544a<\/a>\u8bc4\u4f30\u7684\uff0c\u4e0d\u540c\u7684\u8d37\u6b3e\u8005\u53ef\u80fd\u6709\u4e0d\u540c\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><\/td><td><strong>\u76ee\u524d\u7684\u5229\u7387<\/strong><\/td><td><strong>\u76ee\u524d\u5229\u7387 +1%<\/strong><\/td><td><strong>\u76ee\u524d\u5229\u7387 +2%<\/strong><\/td><\/tr><tr><td><strong>\u666e\u901a\u5229\u7387\uff08profit rate\uff09<\/strong><\/td><td>4.35%<\/td><td>5.35%<\/td><td>6.35%<\/td><\/tr><tr><td><strong>\u6d3b\u52a8\u4fc3\u9500\u5229\u7387\uff08campaign rate\uff09<\/strong><\/td><td>3.915%<\/td><td>4.815%<\/td><td>5.715%<\/td><\/tr><tr><td><strong>\u6bcf\u6708\u8fd8\u6b3e\u91d1\u989d (RM)<\/strong><\/td><td>1,631<\/td><td>2,006<\/td><td>2,381<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u9002\u5408\u7533\u8bf7\u8fd9\u9879\u8ba1\u5212\u7684\u623f\u5c4b\u7c7b\u578b\uff1a<\/strong>\u5fc5\u987b\u5728 Maybank \u7684\u7f51\u9875\u5185 <a href=\"https:\/\/www.maybank2own.com\/portal\/12-searchproperty\/s-2\/property_categories-developer_units?n=9\" target=\"_blank\" rel=\"noopener\">https:\/\/www.maybank2own.com\/portal\/12-searchproperty\/s-2\/property_categories-developer_units?n=9<\/a> \u9009\u62e9\u5fc3\u4eea\u7684\u623f\u5b50\u3002<\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>18-70\u5c81<\/li>\n\n\n\n<li>\u7533\u8bf7\u65f6\u4e0d\u80fd\u62e5\u6709\u8d85\u8fc7 1 \u4e2a\u623f\u5c4b\u8d37\u6b3e\uff08\u5305\u62ec HouzKEY \u8d37\u6b3e\uff09\u3002<\/li>\n\n\n\n<li>\u60a8\u6700\u591a\u53ef\u4ee5\u4e0e\u4e09\u540d\u62c5\u4fdd\u4eba\u4e00\u8d77\u7533\u8bf7 HouzKEY\u3002<\/li>\n\n\n\n<li>\u9700\u8981\u627e\u4f60\u76843\u4f4d\u5e74\u9f84\u4ecb\u4e8e 18-70 \u5c81\u4e4b\u95f4\u7684\u76f4\u7cfb\u4eb2\u5c5e\uff0c\u4f8b\u5982\uff1a\u7236\u6bcd\u3001\u5144\u5f1f\u59d0\u59b9\u3001\u914d\u5076\u6216\u5b50\u5973\u6765\u4f5c\u62c5\u4fdd<\/li>\n\n\n\n<li>\u8fd9\u9879\u8d37\u6b3e\u4ec5\u9650\u4f60\u7684\u7b2c\u4e00\u95f4\u6216\u7b2c\u4e8c\u95f4\u623f\u5b50<\/li>\n<\/ul>\n\n\n\n<p><strong>\u7533\u8bf7\u65b9\u6cd5\uff1a<\/strong><\/p>\n\n\n\n<p>1.\u5728<a href=\"https:\/\/www.maybank2own.com\/portal\/login.php?controller=authentication&amp;forceLogout&amp;back=https%3A%2F%2Fwww.maybank2own.com%2Fportal%2Fkotakinabalu%2F5446-bukit-bantayan-residences.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.maybank2own.com\/portal\/login.php?controller=authentication&amp;forceLogout&amp;back=https%3A%2F%2Fwww.maybank2own.com%2Fportal%2Fkotakinabalu%2F5446-bukit-bantayan-residences.html<\/a> \u6ce8\u518c\u8d26\u6237<\/p>\n\n\n\n<p>2.\u7136\u540e\u5728\u4f60\u559c\u6b22\u7684\u623f\u5c4b\u9879\u76ee\u4e2d\uff0c\u70b9\u51fb Register Interest \u6765\u9884\u7ea6\u4e2d\u4ecb\u53bb\u5b9e\u5730\u8003\u5bdf\u623f\u5b50<\/p>\n\n\n\n<p>3.\u786e\u8ba4\u6ee1\u610f\u623f\u5b50\u540e\uff0c\u4f60\u548c\u62c5\u4fdd\u4eba\u90fd\u9700<a href=\"https:\/\/www.maybank2own.com\/portal\/how-it-works\" target=\"_blank\" rel=\"noopener\">\u51c6\u5907\u4ee5\u4e0b\u6587\u4ef6<\/a>\uff1a<\/p>\n\n\n\n<ul>\n<li>\u8eab\u4efd\u8bc1\u590d\u5370\u4ef6<\/li>\n\n\n\n<li>\u6700\u8fd13\u4e2a\u6708\u7684\u85aa\u6c34\u5355<\/li>\n\n\n\n<li>\u6700\u8fd1\u7684EPF\u8868\u5355<\/li>\n\n\n\n<li>\u6700\u8fd13\u4e2a\u6708\u7684\u94f6\u884c\u5bf9\u8d26\u5355\uff0c\u81ea\u96c7\u4eba\u58eb\u5219\u51c6\u59076\u4e2a\u6708\u7684\u5bf9\u8d26\u5355<\/li>\n\n\n\n<li>\u6700\u8fd1\u7684\u62a5\u7a0e\u8bc1\u660e\uff08BE Form \u548c Tax receipt\uff09\uff0c\u81ea\u96c7\u4eba\u58eb\u9700\u51c6\u5907\u8fd12\u5e74\u7684\u62a5\u7a0e\u8bc1\u660e<\/li>\n\n\n\n<li>\u8fd12\u5e74\u7684EA Form\uff0c\u81ea\u96c7\u4eba\u58eb\u9700\u51c6\u5907\u8fd12\u5e74\u7684 SSM search<\/li>\n\n\n\n<li>\u5c31\u4e1a\u8bc1\u660e\u4ee5\u53ca\u5176\u4ed6\u53ef\u4ee5\u589e\u52a0\u4f60\u4fe1\u7528\u8bc4\u5206\u7684\u6587\u4e66<\/li>\n<\/ul>\n\n\n\n<p>4.\u5728\u4f60\u9009\u62e9\u7684\u623f\u4ea7\u9879\u76ee\u70b9\u51fb Apply Now\uff0c\u5e76\u6839\u636e\u6307\u793a\u586b\u5199\u8d44\u6599\u5e76\u63d0\u4ea4\u6587\u4ef6\u3002\u7136\u540e\uff0c\u7f34\u7eb33\u4e2a\u6708\u7684\u62b5\u62bc\u91d1\u3002\u8fd9\u7b14\u62b5\u62bc\u91d1\u662f\u53ef\u4ee5\u88ab\u8d4e\u56de\u7684\u3002<\/p>\n\n\n\n<p>5.\u4e00\u822c\u4e0a\uff0cMaybank \u4f1a\u901a\u8fc7\u7535\u5b50\u90ae\u4ef6\u901a\u77e5\u4f60\u7533\u8bf7\u7ed3\u679c\uff0c\u5e76\u6307\u793a\u4f60\u63a5\u4e0b\u6765\u7684\u6b65\u9aa4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"skim-smart-sewa\" style=\"color:#009bff\"><strong>Skim Smart Sewa<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1216\" height=\"778\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa.webp\" alt=\"Skim Smart Sewa\" class=\"wp-image-51245\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa.webp 1216w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa-300x192.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa-1024x655.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa-768x491.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa-750x480.webp 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Skim-Smart-Sewa-1140x729.webp 1140w\" sizes=\"(max-width: 1216px) 100vw, 1216px\" \/><\/figure>\n\n\n\n<p>\u8fd9\u662f\u96ea\u5170\u83aa\uff08Selangor\uff09\u653f\u5e9c\u5728 Rumah Selangorku \u4e0b\u6240\u63a8\u4ecb\u7684\u8ba1\u5212\uff0c\u4ee5\u4fbf\u4e3a\u65e0\u6cd5\u7533\u8bf7\u5230\u8d37\u6b3e\uff0c\u65e0\u6cd5\u7b79\u96c6\u5934\u671f\u6b3e\u7684\u4f4e\u6536\u5165\u4eba\u7fa4\u5b9e\u73b0\u62e5\u6709\u623f\u5c4b\u7684\u53e6\u4e00\u6761\u8def\u5f84\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u5982\u679c\u60f3\u77e5\u9053 Rumah Selangorku \u7684\u8be6\u60c5\uff0c\u63a8\u8350\u4f60\u9605\u8bfb\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/malaysia-affordable-house-2\/\">\u653f\u5e9c\u5c4b\u5b50\u7533\u8bf72023\uff08\u5dde\u653f\u5e9c\uff09\uff01B40\u548cM40\u4e0d\u80fd\u9519\u8fc7\u768411\u4e2a\u5dde\u653f\u5e9c\u53ef\u8d1f\u62c5\u623f\u5c4b\u8ba1\u5212\uff01<\/a><\/strong><\/p>\n\n\n\n<p><strong>\u79df\u671f\uff1a<\/strong>2-5\u5e74<\/p>\n\n\n\n<p><strong>\u53ef\u9009\u62e9\u7684\u623f\u5c4b\uff1a<\/strong>\u4f60\u53ef\u4ee5\u70b9\u51fb<a href=\"https:\/\/v4.phssb.com\/SmartSewa.html#\" target=\"_blank\" rel=\"noopener\">\u8fd9\u91cc<\/a>\u67e5\u770b\u53ef\u4ee5\u7533\u8bf7\u7684\u623f\u5c4b\u5217\u8868<\/p>\n\n\n\n<p><strong>\u79df\u91d1\uff1a<\/strong>\u6839\u636e\u623f\u5b50\u4e0d\u540c\uff0c\u79df\u91d1\u4e5f\u6709\u6240\u4e0d\u540c\u3002\u5982\u679c\u79df\u7ea6\u7ed3\u675f\uff0c\u6216\u4e2d\u9014\u7ec8\u6b62\uff0c\u4e0d\u60f3\u8d2d\u4e70\u623f\u5b50\u4e86\uff0c\u8fd9\u9879\u8ba1\u5212\u5c06\u4f1a\u8fd4\u8fd8\u4f6030%\u7684\u79df\u91d1\u3002<\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>\u96ea\u5170\u83aa\u5dde\u9009\u6c11<\/li>\n\n\n\n<li>18\u5c81\u4ee5\u4e0a<\/li>\n\n\n\n<li>\u6210\u5a5a\uff0c\u6709\u5bb6\u5ead<\/li>\n\n\n\n<li>\u6839\u636e\u623f\u5b50\u7c7b\u578b\u7684\u4e0d\u540c\uff0c\u5bb6\u5ead\u6708\u6536\u5165\u8981\u6c42\u4e5f\u4e0d\u540c\uff1a<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u623f\u5b50\u7c7b\u578b<\/strong><\/td><td><strong>\u5bb6\u5ead\u6708\u6536\u5165<\/strong><\/td><\/tr><tr><td>A\u7c7b\u578b\u623f\u5c4b \/ \u5ec9\u4ef7\u623f\u5c4b\uff08Rumah Kos Rendah\uff09<\/td><td>\u5c11\u4e8e RM 5,000<\/td><\/tr><tr><td>B,C,D\u7c7b\u578b\u623f\u5c4b \/ \u4e2d\u4f4e\u4ef7\u623f\u5c4b\uff08Rumah Kos Sederhana Rendah\uff09\/ \u4e2d\u4ef7\u623f\u5c4b\uff08Rumah Kos Sederhana\uff09<\/td><td>\u5c11\u4e8e RM 10,000\uff08\u4f18\u5148\u5206\u914d\uff09- \u4e0d\u8d85\u8fc7 RM 15,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul>\n<li>\u7533\u8bf7\u4eba\u5728\u96ea\u5170\u83aa\u5dde\u6ca1\u6709\u4efb\u4f55\u623f\u4ea7\uff1b \u6216\u6709\u4f4f\u6240\uff0c\u4f46\u8ddd\u79bb\u7533\u8bf7\u79df\u8d41\u5730\u70b9\u8d85\u8fc750\u516c\u91cc\uff0c\u4f46\u7533\u8bf7\u4eba\u7684\u5de5\u4f5c\u5730\u70b9\u5fc5\u987b\u572825\u516c\u91cc\u7684\u884c\u7a0b\u8303\u56f4\u5185\u3002<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4eba\u6c11\u7ec4\u5c4b\u8ba1\u5212-\uff08-program-perumahan-rakyat\uff0c-ppr\uff09\" style=\"color:#009bff\"><strong>\u4eba\u6c11\u7ec4\u5c4b\u8ba1\u5212 \uff08Program Perumahan Rakyat\uff0cPPR\uff09<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-1024x576.webp\" alt=\"Program Perumahan Rakyat \u5148\u79df\u540e\u4e70\" class=\"wp-image-51249\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-1024x576.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-300x169.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-768x432.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-750x422.webp 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO-1140x641.webp 1140w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/Program-Perumahan-Rakyat-RTO.webp 1365w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\">\u6211\u4eec\u5728\u4e0a\u4e00\u671f\uff1a<a href=\"https:\/\/valueinmind.co\/zh\/malaysia-affordable-house-1\/\"><strong>\u653f\u5e9c\u5c4b\u5b50\u7533\u8bf72023\uff08\u5168\u56fd\u7248\uff09\uff01B40\u548cM40\u4e0d\u80fd\u9519\u8fc7\u76846\u4e2a\u653f\u5e9c\u53ef\u8d1f\u62c5\u623f\u5c4b\u8ba1\u5212\uff01<\/strong><\/a>\u5df2\u7ecf\u804a\u8fc7\u4e86\u4eba\u6c11\u7ec4\u5c4b\u8ba1\u5212 \uff08Program Perumahan Rakyat\uff0cPPR\uff09\u76842\u79cd\u6a21\u5f0f\u3002<\/p>\n\n\n\n<p>\u5176\u5b9e\u9664\u4e86\u8d2d\u4e70\u7ec4\u5c4b\u5355\u4f4d\uff0c\u6211\u4eec\u8fd8\u53ef\u4ee5\u901a\u8fc7<a href=\"https:\/\/www.kpkt.gov.my\/kpkt\/resources\/user_1\/PROGRAM_UTAMA\/PERUMAHAN\/PERUMAHAN-RENT-TO-OWN.jpg\" target=\"_blank\" rel=\"noopener\">\u5148\u79df\u540e\u4e70<\/a>\u7684\u6a21\u5f0f\u6765\u62e5\u6709\u7ec4\u5c4b\u5355\u4f4d\u3002<\/p>\n\n\n\n<p>\u8fd9\u9879\u8ba1\u5212\u662f\u7ed9\u90a3\u4e9b\u65e0\u6cd5\u5206\u914d\u5230\u653f\u5e9c\u7ec4\u5c4b\u6216\u843d\u9009\uff0c\u4f46\u53c8\u7b26\u5408\u8d44\u683c\u7684\u6c11\u4f17\u53c2\u4e0e\u7684\u3002\u8fd9\u9879\u8ba1\u5212\u5141\u8bb8\u6211\u4eec\u8bd5\u79df2\u5e74\uff0c\u79df\u671f\u6700\u957f25\u5e74\u3002<\/p>\n\n\n\n<p><strong>\u79df\u671f\uff1a<\/strong>\u8bd5\u79df2\u5e74\uff0c\u79df\u671f\u5927\u7ea6\u662f20-25\u5e74<\/p>\n\n\n\n<p><strong>\u79df\u91d1\uff1a<\/strong>\u6bcf\u6708 RM 200 &#8211; RM 250<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rumah-belia-madani\uff08-rbm\uff09\"><strong>Rumah Belia Madani\uff08RBM\uff09<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2023\/05\/23\/govt-committed-to-providing-affordable-homes-for-klang-valley-youth-says-deputy-minister\" target=\"_blank\" rel=\"noopener\">Rumah Belia Madani\uff08RBM\uff09<\/a> \u7684\u524d\u8eab\u662f\u9752\u5e74\u8fc7\u6e21\u623f\u5c4b\u8ba1\u5212\uff08 Youth Transit Housing\uff0cMyTransit\uff09\u3002<\/p>\n\n\n\n<p>\u8fc4\u4eca\u4e3a\u6b62\uff0cKPKT\u5df2\u4e0e\u5f00\u53d1\u5546 BMG Global Sdn Bhd \u7b7e\u7f72\u534f\u8bae\uff0c\u5728\u5409\u9686\u5761 Sentul \u7684 Mukim Batu \u5efa\u90201,048\u4e2a RBM \u623f\u5c4b\u5355\u4f4d\u3002<\/p>\n\n\n\n<p>\u636e\u6089\uff0c\u8fd9\u9879\u8ba1\u5212\u662f\u8ba935\u5c81\u4ee5\u4e0b\u7684\u5e74\u8f7b\u4eba\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\u79df\u7528\u8be5\u5355\u4f4d\uff0c\u76f4\u5230\u4ed6\u4eec\u7ecf\u6d4e\u7a33\u5b9a\u5e76\u6709\u80fd\u529b\u8d2d\u4e70\u81ea\u5df1\u7684\u623f\u5b50\uff0c\u800c\u4e14\u79df\u91d1\u6bd4\u5e02\u4ef7\u4fbf\u5b9c20%\u3002<\/p>\n\n\n\n<p>\u7531\u4e8e\u76ee\u524d\u6ca1\u6709\u66f4\u591a\u6d88\u606f\uff0c\u4ef7\u503c\u601d\u7ef4\u5c06\u5728\u8ba1\u5212\u5f7b\u5e95\u843d\u5b9e\u540e\u4e3a\u4f60\u8ddf\u8fdb\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i-miliki-\u5370\u82b1\u7a0e\u8c41\u514d\"><strong>i-Miliki \u5370\u82b1\u7a0e\u8c41\u514d<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki.webp\" alt=\"i-Miliki\" class=\"wp-image-51247\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki-300x300.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki-150x150.webp 150w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki-768x768.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki-75x75.webp 75w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/i-Miliki-750x750.webp 750w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.kpkt.gov.my\/index.php\/announcements\/view\/98\" target=\"_blank\" rel=\"noopener\">i-Miliki<\/a> \u662f\u9a6c\u6765\u897f\u4e9a\u5c45\u8005\u6709\u5176\u5c4b\u8ba1\u5212\uff08Inisiatif Pemilikan Kediaman Malaysia\uff09\u7684\u4e00\u73af\u3002\u53ea\u8981\u4f60\u662f\u57282022 \u5e74 6 \u6708 1 \u65e5\u81f3 2023 \u5e74 12 \u6708 31 \u65e5\u671f\u95f4\u7b7e\u8ba2\u623f\u5c4b\u4e70\u5356\u5408\u7ea6\uff08Sales and Purchase Agreement\uff0cSPA\uff09 \uff0c\u5c31\u80fd\u591f\u514d\u9664\u4e00\u5b9a\u6bd4\u7387\u7684<a href=\"https:\/\/valueinmind.co\/zh\/costs-of-buying-a-house-in-malaysia\/\">\u4ea7\u6743\u8f6c\u8ba9\u534f\u8bae\u5907\u5fd8\u5f55\uff08Memorandum of Transfer\uff0cMOT\uff09\u5370\u82b1\u7a0e<\/a>\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u623f\u5c4b\u4ef7\u683c<\/strong><\/td><td><strong>\u514d\u9664 MOT \u5370\u82b1\u7a0e<\/strong><\/td><\/tr><tr><td>RM 500,000 \u548c\u4ee5\u4e0b<\/td><td>100%<\/td><\/tr><tr><td>RM 500,001 &#8211; RM 1,000,000<\/td><td>75%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\u5982\u679c\u6211\u4eec\u4e70\u4ef7\u683c RM 500,000 \u4ee5\u4e0b\u7684\u623f\u5b50\uff0c\u53ef\u4ee5\u5b8c\u5168\u4e0d\u7528\u4ed8\u8fd9\u7b14\u5370\u82b1\u7a0e\u3002\u6839\u636e\u8fd9\u9879\u5370\u82b1\u7a0e\u7684\u7a0e\u7387\uff0c\u539f\u672c\u4ef7\u683c RM 500,000 \u7684\u623f\u5b50\u6211\u4eec\u9700\u8981\u4ed82%\u7684\u7a0e\u7387\uff0c\u90a3\u4e48\u73b0\u5728\u6211\u4eec\u5c31\u53ef\u4ee5\u7701\u4e0b RM 500,000&nbsp; X 2% = RM 10,000\u3002<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ff008c\"><strong>\u5173\u4e8e\u5370\u82b1\u7a0e\u7684\u7a0e\u7387\uff0c\u63a8\u8350\u4f60\u9605\u8bfb\uff1a<\/strong><a href=\"https:\/\/valueinmind.co\/zh\/costs-of-buying-a-house-in-malaysia\/\"><strong>\u99ac\u4f86\u897f\u4e9e\u8cb7\u623f\u5230\u5e95\u8981\u82b1\u591a\u5c11\u9322\uff1f\u8981\u51c6\u5099\u768414\u7a2e\u8cbb\u7528\uff01<\/strong><\/a><\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>\u5f00\u53d1\u5546\u9700\u7ed9\u4e88\u81f3\u5c1110%\u7684\u6298\u6263\uff08\u9650\u4ef7\u623f\u9664\u5916\uff09<\/li>\n\n\n\n<li>\u4ec5\u9650\u9996\u8d2d\u65cf\uff0c\u5373\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50<\/li>\n\n\n\n<li>\u4f4f\u5b85\u7c7b\u578b\uff1a\u6392\u5c4b\u3001\u516c\u5bd3\uff08\u666e\u901a\/\u9ad8\u7ea7\/\u670d\u52a1\u5f0f\uff09\u3001\u7ec4\u5c4b\u3001\u548c\u5c0f\u578b\u5bb6\u5ead\u529e\u516c\u5ba4 (SOHO)\u7b49<\/li>\n\n\n\n<li>2022\u5e746\u67081\u65e5\u81f32023\u5e7412\u670831\u65e5\u671f\u95f4\u7b7e\u7f72\u7684\u4e70\u5356\u534f\u8bae\uff08Sales and Purchase Agreement\uff0cSPA\uff09\uff0c\u5e76\u57282023\u5e744\u67081\u65e5\u524d\u5b8c\u6210\u8fc7\u6237<\/li>\n<\/ul>\n\n\n\n<p><strong>\u7533\u8bf7\u65b9\u6cd5\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u4e0b\u8f7d 10% \u623f\u4ef7\u6298\u6263\u786e\u8ba4\u51fd\u548c\u9996\u6b21\u8d2d\u623f\u5ba3\u8a93\u4e66<\/li>\n\n\n\n<li>\u586b\u5199\u6b63\u786e\u7684\u623f\u5c4b\u4ef7\u683c\uff0c\u7279\u522b\u662f\u539f\u4ef7\u4ee5\u53ca\u6298\u6263\u540e\u7684\u4ef7\u683c<\/li>\n\n\n\n<li>\u8d2d\u623f\u8005\u548c\u5f00\u53d1\u5546\u7b7e\u540d<\/li>\n\n\n\n<li>\u5ba3\u8a93\u5b98\u7b7e\u540d<\/li>\n\n\n\n<li>\u51c6\u5907\u5176\u4ed6\u6587\u4ef6\uff1a\u5e7f\u544a\u8bb8\u53ef\u8bc1 (AP) \u526f\u672c\u3001\u4e70\u5356\u534f\u8bae\u526f\u672c\u3001\u571f\u5730\u6279\u7ed9\u4e66\u526f\u672c\uff08Geran Tanah\uff09\u3001\u7533\u8bf7\u4eba\u8eab\u4efd\u8bc1\u590d\u5370\u4ef6<\/li>\n\n\n\n<li>\u5728 <a href=\"https:\/\/stamps.hasil.gov.my\" target=\"_blank\" rel=\"noopener\">https:\/\/stamps.hasil.gov.my<\/a>&nbsp; \u4e0a\u4f2010% \u623f\u4ef7\u6298\u6263\u786e\u8ba4\u51fd\u548c\u9996\u6b21\u8d2d\u623f\u5ba3\u8a93\u4e66\u7b49\u6587\u4ef6<\/li>\n\n\n\n<li>\u4f60\u7684\u7533\u8bf7\u5c06\u572815\u5929\u5185\u88ab\u5904\u7406<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2021-\u5e74\u8d22\u653f\u9884\u7b97\u6848\u5370\u82b1\u7a0e\u8c41\u514d\"><strong>2021\u5e74\u8d22\u653f\u9884\u7b97\u6848\u5370\u82b1\u7a0e\u8c41\u514d<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e.webp\" alt=\"2021\u5e74\u8d22\u653f\u9884\u7b97\u6848\u5370\u82b1\u7a0e\u8c41\u514d\" class=\"wp-image-51251\" style=\"width:500px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e.webp 1200w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e-300x158.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e-1024x538.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e-768x403.webp 768w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e-750x394.webp 750w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/11\/2021\u8d22\u653f\u9884\u7b97\u8c41\u514d\u5370\u82b1\u7a0e-1140x599.webp 1140w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>\u867d\u7136\u653f\u5e9c\u5e76\u6ca1\u6709\u57282024\u5e74\u8d22\u653f\u9884\u7b97\u6848\u63d0\u51fa\u4efb\u4f55\u5370\u82b1\u7a0e\u8c41\u514d\u7684\u653f\u7b56\uff0c\u4f46\u662f\u57282021\u5e74\u8d22\u653f\u9884\u7b97\u6848\u9881\u5e03\u7684\u5370\u82b1\u7a0e\u8c41\u514d\u653f\u7b56\u8fd8\u662f\u4f9d\u7136\u751f\u6548\u7684\u3002<\/p>\n\n\n\n<p>\u8fd9\u9879\u8ba1\u5212\u4ec5\u9650\u9996\u8d2d\u65cf\uff0c\u5373\u7b2c\u4e00\u6b21\u8d2d\u4e70\u623f\u5c4b\u7684\u4eba\u58eb\u4eab\u6709\u3002\u8fd9\u9879\u8ba1\u5212\u6240\u8c41\u514d\u7684\u7684\u5370\u82b1\u7a0e\u67092\u79cd\uff0c\u5206\u522b\u662f\uff1a\u623f\u5c4b\u8d37\u6b3e\u5408\u540c\uff08Loan agreement\uff09\u5370\u82b1\u7a0e\u548c\u4ea7\u6743\u8f6c\u8ba9\u534f\u8bae\u5907\u5fd8\u5f55\uff08Memorandum of Transfer\uff0cMOT\uff09\u5370\u82b1\u7a0e\u3002\u4e24\u8005\u90fd\u662f100%\u514d\u9664\u7684\u3002<\/p>\n\n\n\n<p><strong>\u7533\u8bf7\u6761\u4ef6\uff1a<\/strong><\/p>\n\n\n\n<ul>\n<li>\u5fc5\u987b\u662f\u9a6c\u6765\u897f\u4e9a\u516c\u6c11<\/li>\n\n\n\n<li>\u5fc5\u987b\u662f\u9996\u8d2d\u65cf\uff0c\u6b64\u524d\u4e0d\u66fe\u6709\u4efb\u4f55\u623f\u4ea7\uff08\u65e0\u8bba\u662f\u7ee7\u627f\u3001\u8d60\u4e0e\u6216\u8054\u540d\u6301\u6709\uff09<\/li>\n\n\n\n<li>\u57282021\u5e741\u67081\u65e5\u81f32025\u5e7412\u670831\u65e5\u671f\u95f4\u7b7e\u7f72\u7684\u623f\u5730\u4ea7\u4e70\u5356\u5408\u7ea6\uff08Sale and Purchase Agreement\uff09<\/li>\n\n\n\n<li>\u8d2d\u4e70\u7684\u623f\u5c4b\u4ef7\u683c\u4e0d\u8d85\u8fc7 RM 500,000<\/li>\n\n\n\n<li>\u623f\u5c4b\u7c7b\u578b\u5fc5\u987b\u662f\u4f4f\u5b85\u623f\u5730\u4ea7\uff08residential property\uff09\u3002\u670d\u52a1\u5f0f\u516c\u5bd3\u3001SOHO\u3001SOFO\u548cSOVO\u7684\u623f\u5c4b\u7c7b\u578b\u4e0d\u80fd\u4eab\u6709\u8fd9\u9879\u798f\u5229\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5047\u8bbe\u6211\u4eec\u8d2d\u4e70\u4e00\u5957 RM 300,000&nbsp; \u7684\u623f\u5b50\uff0c\u6839\u636e\u539f\u672c\u7684\u7a0e\u7387\uff1a<\/p>\n\n\n\n<ul>\n<li>\u623f\u5c4b\u8d37\u6b3e\u5408\u540c\uff08Loan agreement\uff09\u5370\u82b1\u7a0e\u7a0e\u7387\u662f0.5%\uff0c\u5373RM 300,000 X 0.5% = RM 1,500\u3002<\/li>\n\n\n\n<li>\u4ea7\u6743\u8f6c\u8ba9\u534f\u8bae\u5907\u5fd8\u5f55\uff08Memorandum of Transfer\uff0cMOT\uff09\u5370\u82b1\u7a0e\u7a0e\u7387\u5728 RM 30,000 \u7684\u6863\u6b21\u662f\u9996 RM 100,000\uff0c\u652f\u4ed81%\u7684\u5370\u82b1\u7a0e\uff0c\u4e5f\u5c31\u662fRM 1,000\uff0c\u4f59\u4e0b\u7684 RM 200,000 \u5219\u9700\u652f\u4ed8 2%\u7684\u5370\u82b1\u7a0e\u5373 RM 4,000 \uff0c\u603b\u5171 RM 5,000\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u56e0\u4e3a\u4e0d\u7528\u652f\u4ed8\u4efb\u4f55\u5370\u82b1\u7a0e\uff0c\u6211\u4eec\u603b\u5171\u53ef\u4ee5\u7701\u4e0b RM 6,500\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u603b\u7ed3\"><strong>\u603b\u7ed3<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u653f\u5e9c\u63a8\u51fa\u7684\u623f\u5c4b\u8d37\u6b3e\u8ba1\u5212\u5bf9\u4e8e\u4f4e\u6536\u5165\u4eba\u7fa4\u771f\u7684\u662f\u83b7\u76ca\u826f\u591a\uff0c\u7279\u522b\u662f\u623f\u5c4b\u501f\u8d37\u62c5\u4fdd\u8ba1\u5212\uff08SJKP\uff09\u975e\u5e38\u503c\u5f97\u63a8\u8350\uff0c\u53ef\u4ee5\u8ba9\u6ca1\u6709\u56fa\u5b9a\u6536\u5165\u7684\u4eba\u7fa4\uff0c\u5728\u4e0d\u7528\u70e6\u607c\u5934\u671f\u6b3e\u7684\u8d1f\u62c5\u4e0b\uff0c\u8f7b\u677e\u83b7\u5f97\u8d37\u6b3e\u3002<\/p>\n\n\n\n<p>\u5176\u4ed6\u623f\u5c4b\u8d37\u6b3e\u867d\u7136\u5177\u6709\u4e00\u5b9a\u7684\u95e8\u69db\uff0c\u4f46\u548c\u5e02\u9762\u4e0a\u94f6\u884c\u7684\u8d37\u6b3e\u5bf9\u6bd4\uff0c\u6536\u5165\u95e8\u69db\u6709\u6240\u964d\u4f4e\uff0c\u8d37\u6b3e\u989d\u5ea6\u4e5f\u8f83\u4e3a\u5408\u7406\uff0c\u80fd\u540e\u51cf\u8f7b\u4e0d\u5c11\u8d1f\u62c5\u3002\u5370\u82b1\u7a0e\u8c41\u514d\u7684\u653f\u7b56\u66f4\u662f\u8ba9\u6211\u4eec\u7701\u4e0b\u4e0d\u5c11\u94b1\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u6709\u4e70\u623f\u7684\u8ba1\u5212\u4e0d\u59a8\u5728\u8ba1\u5212\u63a8\u884c\u7684\u65f6\u95f4\u5185\u8d81\u70ed\u6253\u94c1\uff0c\u8d76\u5feb\u4e70\u623f\u3002\u8fd9\u79cd\u4e70\u623f\u7684\u7701\u94b1\u597d\u5eb7\uff0c\u53ef\u4e0d\u662f\u5e74\u5e74\u6709\u7684~ \u5e0c\u671b\u4ef7\u503c\u601d\u7ef4\u6574\u7406\u7684\u8fd9\u4e9b\u8d37\u6b3e\u548c\u4f18\u60e0\u8ba1\u5212\uff0c\u80fd\u5e2e\u52a9\u4f60\u5728\u4e70\u623f\u7684\u8def\u4e0a\uff0c\u8d8a\u7701\u8d8a\u591a\uff0c\u4e0d\u82b1\u4e00\u4efd\u51a4\u6789\u94b1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5ef6\u4f38\u9605\u8bfb\"><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-affordable-house-1\/\"><strong>\u653f\u5e9c\u5c4b\u5b50\u7533\u8bf72023\uff08\u5168\u56fd\u7248\uff09\uff01B40\u548cM40\u4e0d\u80fd\u9519\u8fc7\u76846\u4e2a\u653f\u5e9c\u53ef\u8d1f\u62c5\u623f\u5c4b\u8ba1\u5212\uff01<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/malaysia-affordable-house-2\/\"><strong>\u653f\u5e9c\u5c4b\u5b50\u7533\u8bf72023\uff08\u5dde\u653f\u5e9c\uff09\uff01B40\u548cM40\u4e0d\u80fd\u9519\u8fc7\u768411\u4e2a\u5dde\u653f\u5e9c\u53ef\u8d1f\u62c5\u623f\u5c4b\u8ba1\u5212\uff01<\/strong><\/a>\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-ccris-and-ctos\/\">\u4ec0\u9ebd\u662fCCRIS &amp; CTOS\uff1f5\u62db\u63d0\u9ad8\u4fe1\u7528\u5206\u6578\uff0c\u6559\u4f60\u5728\u5927\u99ac\u501f\u5230\u9280\u884c\u8cb8\u6b3e<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/things-to-consider-when-buying-a-house-in-malaysia\/\">\u99ac\u4f86\u897f\u4e9e\u9996\u6b21\u8cb7\u623f\u524d\u5fc5\u770b\u768413\u5927\u91cd\u9ede\uff01\u4ec0\u9ebd\u6642\u5019\u8cb7\u623f\u6700\u597d\uff1f\u6c38\u4e45\u5730\u5951\u597d\uff0c\u9084\u662f99\u5e74\u5730\u5951\u597d\uff1f\u623f\u7522\u7d93\u7d00\u548c\u767c\u5c55\u5546\u4e0d\u6703\u544a\u8a34\u4f60\u7684\u79d8\u5bc6<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/costs-of-buying-a-house-in-malaysia\/\">\u99ac\u4f86\u897f\u4e9e\u8cb7\u623f\u5230\u5e95\u8981\u82b1\u591a\u5c11\u9322\uff1f\u8981\u51c6\u5099\u768414\u7a2e\u8cbb\u7528\uff01<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/why-bank-negara-malaysia-increase-overnight-policy-rate\/\">\u77ad\u89e3\u99ac\u4f86\u897f\u4e9e\u570b\u5bb6\u9280\u884c OPR \u5347\u606f\u3001\u964d\u606f\u5982\u4f55\u5f71\u97ff\u666e\u901a\u4eba\u7684\u623f\u8cb8\u548cFD\u5229\u7387\uff01<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u8d23\u58f0\u660e\"><strong>\u514d\u8d23\u58f0\u660e<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b64\u6587\u7ae0\u5185\u5bb9\u4ec5\u4f5c\u4e3a\u6559\u5b66\u3001\u5206\u4eab\u53ca\u53c2\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u4e13\u4e1a\u7684\u6295\u8d44\u5efa\u8bae\u3002\u7531\u4e8e\u4e2a\u4eba\u7684\u60c5\u51b5\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u8054\u7cfb\u4ef7\u503c\u601d\u7ef4\u6216\u54a8\u8be2\u4f60\u7684\u7406\u8d22\u89c4\u5212\u5e08\u4ee5\u53d6\u5f97\u4e13\u4e1a\u7684\u5efa\u8bae\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5bf9\u4e8e B40 \u4f4e\u6536\u5165\u7fa4\u4f53\u6765\u8bf4\uff0c\u5c3d\u7ba1\u653f\u5e9c\u5c4b\u5b50\u4ef7\u683c\u5df2\u7ecf\u975e\u5e38\u5ec9\u5b9c\uff0c\u4f46\u662f\u8981\u51c6\u5907\u5927\u7b14\u7684\u5934\u671f\u6b3e\uff08Down Payment\uff09\u4e5f\u662f\u4e0d\u5c0f\u7684\u8d22\u52a1\u8d1f\u62c5\u3002B40\u7fa4\u4f53\u4e00\u822c\u6ca1\u6709\u56fa\u5b9a\u6536\u5165\uff0c\u6ca1\u6709\u6536\u5165\u8bc1\u660e\u6216\u8005\u85aa\u6c34\u4e0d\u8fbe\u6807\u5bfc\u81f4\u8d37\u6b3e\u88ab\u94f6\u884c\u62d2\u7edd\u3002\u56e0\u6b64\uff0c\u8fd9\u7bc7\u6587\u7ae0\u5c31\u6c47\u96c6\u4e86\u653f\u5e9c\u63d0\u4f9b\u7684\u623f\u5c4b\u8d37\u6b3e\u548c\u4e70\u623f\u7684\u4f18\u60e0\u653f\u7b56\uff0c\u8ba9\u4f60\u4ee5\u4f4e\u95e8\u69db\u7684\u65b9\u5f0f\u83b7\u5f97\u623f\u5c4b\u8d37\u6b3e\uff0c\u514d\u53bb\u5934\u671f\u6b3e\u7684\u70e6\u607c\u3002<\/p>\n","protected":false},"author":62,"featured_media":51254,"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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